Americash Mortgage Lending & HMDA Data, 2010
In 2010, Americash of Costa Mesa, CA reported 2,467 mortgage applications totaling $815.2 million, up 40% from 2009. The average application was for $330,442, and applicants reported an average income of $148,246. 70% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (315), Santa Ana-Anaheim-Irvine, CA (211) and Houston-Sugar Land-Baytown, TX (134) (applications in parentheses).
| Mortgage Company & Address | Americash 3080 Bristol Street, Suite 300 Costa Mesa, CA 92626 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 2,467 |
| Total Mortgage Loan Application Amount | $815,202,000 |
| Average Mortgage Loan Application Amount | $330,442 |
| Highest Mortgage Loan Application Amount | $1,916,000 |
| Average Applicant Income | $148,246 |
| Highest Applicant Income | $5,406,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Americash filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Los Angeles-Long Beach-Glendale, CA | 315 | $ 119,879,000 | $ 380,568 | $ 150,000 |
| Santa Ana-Anaheim-Irvine, CA | 211 | $ 85,525,000 | $ 405,331 | $ 152,000 |
| Houston-Sugar Land-Baytown, TX | 134 | $ 35,661,000 | $ 266,126 | $ 155,000 |
| San Diego-Carlsbad-San Marcos, CA | 131 | $ 49,854,000 | $ 380,564 | $ 155,000 |
| Dallas-Plano-Irving, TX | 109 | $ 29,857,000 | $ 273,917 | $ 251,000 |
| Oakland-Fremont-Hayward, CA | 109 | $ 43,990,000 | $ 403,577 | $ 158,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 104 | $ 47,086,000 | $ 452,750 | $ 179,000 |
| Riverside-San Bernardino-Ontario, CA | 83 | $ 23,001,000 | $ 277,120 | $ 125,000 |
| Seattle-Bellevue-Everett, WA | 81 | $ 25,396,000 | $ 313,530 | $ 127,000 |
| Denver-Aurora-Broomfield, CO | 77 | $ 23,400,000 | $ 303,896 | $ 139,000 |
| San Francisco-San Mateo-Redwood City, CA | 71 | $ 34,740,000 | $ 489,295 | $ 197,000 |
| Chicago-Joliet-Naperville, IL | 69 | $ 20,658,000 | $ 299,391 | $ 125,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 63 | $ 17,397,000 | $ 276,142 | $ 121,571 |
| Phoenix-Mesa-Glendale, AZ | 55 | $ 16,551,000 | $ 300,927 | $ 142,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 54 | $ 18,308,000 | $ 339,037 | $ 138,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 53 | $ 14,379,000 | $ 271,301 | $ 105,000 |
| Austin-Round Rock-San Marcos, TX | 49 | $ 13,562,000 | $ 276,775 | $ 145,000 |
| San Antonio-New Braunfels, TX | 44 | $ 10,724,000 | $ 243,727 | $ 120,000 |
| Fort Worth-Arlington, TX | 40 | $ 13,339,000 | $ 333,475 | $ 193,000 |
| Santa Rosa-Petaluma, CA | 20 | $ 6,356,000 | $ 317,800 | $ 99,000 |
| Boulder, CO | 19 | $ 6,231,000 | $ 327,947 | $ 135,000 |
| Tucson, AZ | 18 | $ 4,263,000 | $ 236,833 | $ 97,000 |
| Colorado Springs, CO | 17 | $ 6,118,000 | $ 359,882 | $ 142,000 |
| Hartford-West Hartford-East Hartford, CT | 17 | $ 3,495,000 | $ 205,588 | $ 111,000 |
| Bridgeport-Stamford-Norwalk, CT | 16 | $ 5,476,000 | $ 342,250 | $ 264,000 |
| Miami-Miami Beach-Kendall, FL | 14 | $ 6,694,000 | $ 478,142 | $ 214,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 13 | $ 5,912,000 | $ 454,769 | $ 201,000 |
| Albuquerque, NM | 12 | $ 2,056,000 | $ 171,333 | $ 132,000 |
| Bremerton-Silverdale, WA | 11 | $ 3,498,000 | $ 318,000 | $ 93,000 |
| Lake County-Kenosha County, IL-WI | 11 | $ 3,861,000 | $ 351,000 | $ 153,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 10 | $ 2,127,000 | $ 212,700 | $ 105,800 |
| Orlando-Kissimmee-Sanford, FL | 10 | $ 3,101,000 | $ 310,100 | $ 106,000 |
| Salinas, CA | 10 | $ 3,258,000 | $ 325,800 | $ 94,000 |
| Milwaukee-Waukesha-West Allis, WI | 9 | $ 2,276,000 | $ 252,888 | $ 105,000 |
| New Haven-Milford, CT | 9 | $ 1,681,000 | $ 186,777 | $ 92,000 |
| Salt Lake City, UT | 8 | $ 2,108,000 | $ 263,500 | $ 106,000 |
| Corpus Christi, TX | 7 | $ 1,266,000 | $ 180,857 | $ 128,000 |
| El Paso, TX | 7 | $ 1,605,000 | $ 229,285 | $ 125,000 |
| San Luis Obispo-Paso Robles, CA | 7 | $ 2,893,000 | $ 413,285 | $ 113,000 |
| Stockton, CA | 7 | $ 1,631,000 | $ 233,000 | $ 108,000 |
| Tacoma, WA | 7 | $ 1,591,000 | $ 227,285 | $ 85,000 |
| Tampa-St. Petersburg-Clearwater, FL | 7 | $ 1,588,000 | $ 226,857 | $ 126,000 |
| Bend, OR | 6 | $ 1,261,000 | $ 210,166 | $ 134,000 |
| Eugene-Springfield, OR | 6 | $ 1,327,000 | $ 221,166 | $ 89,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 6 | $ 1,894,000 | $ 315,666 | $ 100,000 |
| Fresno, CA | 6 | $ 2,270,000 | $ 378,333 | $ 109,000 |
| McAllen-Edinburg-Mission, TX | 6 | $ 1,256,000 | $ 209,333 | $ 155,000 |
| Olympia, WA | 6 | $ 1,284,000 | $ 214,000 | $ 81,000 |
| Santa Cruz-Watsonville, CA | 6 | $ 1,898,000 | $ 316,333 | $ 113,000 |
| Boise City-Nampa, ID | 5 | $ 1,751,000 | $ 350,200 | $ 108,000 |
| Cape Coral-Fort Myers, FL | 5 | $ 1,274,000 | $ 254,800 | $ 89,000 |
| Fort Collins-Loveland, CO | 5 | $ 1,273,000 | $ 254,600 | $ 87,000 |
| Spokane, WA | 5 | $ 1,189,000 | $ 237,800 | $ 101,000 |
| Amarillo, TX | 4 | $ 957,000 | $ 239,250 | $ 148,000 |
| Flagstaff, AZ | 4 | $ 822,000 | $ 205,500 | $ 79,000 |
| Kennewick-Pasco-Richland, WA | 4 | $ 864,000 | $ 216,000 | $ 106,000 |
| Ogden-Clearfield, UT | 4 | $ 1,107,000 | $ 276,750 | $ 98,000 |
| Provo-Orem, UT | 4 | $ 972,000 | $ 243,000 | $ 99,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 4 | $ 1,984,000 | $ 496,000 | $ 307,000 |
| Yakima, WA | 4 | $ 602,000 | $ 150,500 | $ 495,000 |
| Yuba City, CA | 4 | $ 645,000 | $ 161,250 | $ 49,000 |
| Bakersfield-Delano, CA | 3 | $ 832,000 | $ 277,333 | $ 139,000 |
| Bellingham, WA | 3 | $ 741,000 | $ 247,000 | $ 108,000 |
| Brownsville-Harlingen, TX | 3 | $ 655,000 | $ 218,333 | $ 190,000 |
| Columbia, SC | 3 | $ 616,000 | $ 205,333 | $ 77,000 |
| Corvallis, OR | 3 | $ 583,000 | $ 194,333 | $ 82,000 |
| Gainesville, FL | 3 | $ 1,093,000 | $ 364,333 | $ 224,000 |
| Greeley, CO | 3 | $ 1,330,000 | $ 443,333 | $ 282,000 |
| Jacksonville, FL | 3 | $ 626,000 | $ 208,666 | $ 122,000 |
| Lubbock, TX | 3 | $ 599,000 | $ 199,666 | $ 217,000 |
| Madera-Chowchilla, CA | 3 | $ 1,044,000 | $ 348,000 | $ 151,000 |
| Madison, WI | 3 | $ 662,000 | $ 220,666 | $ 131,000 |
| Medford, OR | 3 | $ 664,000 | $ 221,333 | $ 100,000 |
| Naples-Marco Island, FL | 3 | $ 1,218,000 | $ 406,000 | $ 282,000 |
| Port St. Lucie, FL | 3 | $ 752,000 | $ 250,666 | $ 105,000 |
| Prescott, AZ | 3 | $ 766,000 | $ 255,333 | $ 68,000 |
| Salem, OR | 3 | $ 1,089,000 | $ 363,000 | $ 203,000 |
| St. Louis, MO-IL | 3 | $ 745,000 | $ 248,333 | $ 142,000 |
| Tallahassee, FL | 3 | $ 641,000 | $ 213,666 | $ 90,000 |
| Tyler, TX | 3 | $ 965,000 | $ 321,666 | $ 167,000 |
| Wenatchee-East Wenatchee, WA | 3 | $ 1,050,000 | $ 350,000 | $ 139,000 |
| Abilene, TX | 2 | $ 236,000 | $ 118,000 | $ 127,000 |
| Appleton, WI | 2 | $ 391,000 | $ 195,500 | $ 61,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 2 | $ 598,000 | $ 299,000 | $ 89,000 |
| Green Bay, WI | 2 | $ 316,000 | $ 158,000 | $ 57,000 |
| Hanford-Corcoran, CA | 2 | $ 947,000 | $ 473,500 | $ 119,000 |
| Lake Havasu City-Kingman, AZ | 2 | $ 512,000 | $ 256,000 | $ 167,000 |
| Laredo, TX | 2 | $ 434,000 | $ 217,000 | $ 200,000 |
| Longview, TX | 2 | $ 388,000 | $ 194,000 | $ 139,000 |
| Norwich-New London, CT | 2 | $ 426,000 | $ 213,000 | $ 64,000 |
| Pensacola-Ferry Pass-Brent, FL | 2 | $ 327,000 | $ 163,500 | $ 129,000 |
| Racine, WI | 2 | $ 500,000 | $ 250,000 | $ 103,000 |
| Santa Fe, NM | 2 | $ 1,659,000 | $ 829,500 | $ 246,000 |
| Sherman-Denison, TX | 2 | $ 475,000 | $ 237,500 | $ 151,000 |
| St. George, UT | 2 | $ 684,000 | $ 342,000 | $ 122,000 |
| Vallejo-Fairfield, CA | 2 | $ 373,000 | $ 186,500 | $ 147,000 |
| Visalia-Porterville, CA | 2 | $ 329,000 | $ 164,500 | $ 110,000 |
| Waco, TX | 2 | $ 520,000 | $ 260,000 | $ 115,000 |
| Anderson, SC | 1 | $ 86,000 | $ 86,000 | $ 31,000 |
| Beaumont-Port Arthur, TX | 1 | $ 274,000 | $ 274,000 | $ 92,000 |
| Bloomington-Normal, IL | 1 | $ 180,000 | $ 180,000 | $ 170,000 |
| Champaign-Urbana, IL | 1 | $ 242,000 | $ 242,000 | $ 63,000 |
| Charleston-North Charleston-Summerville, SC | 1 | $ 110,000 | $ 110,000 | $ 80,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 1 | $ 211,000 | $ 211,000 | $ 74,000 |
| Coeur D'Alene, ID | 1 | $ 268,000 | $ 268,000 | $ 53,000 |
| College Station-Bryan, TX | 1 | $ 320,000 | $ 320,000 | $ 199,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 166,000 | $ 166,000 | $ 201,000 |
| Davenport-Moline-Rock Island, IA-IL | 1 | $ 156,000 | $ 156,000 | $ 99,000 |
| Eau Claire, WI | 1 | $ 220,000 | $ 220,000 | $ 68,000 |
| Farmington, NM | 1 | $ 171,000 | $ 171,000 | $ 81,000 |
| Grand Junction, CO | 1 | $ 155,000 | $ 155,000 | $ 41,000 |
| Greenville-Mauldin-Easley, SC | 1 | $ 396,000 | $ 396,000 | $ 127,000 |
| Janesville, WI | 1 | $ 163,000 | $ 163,000 | $ 70,000 |
| Longview, WA | 1 | $ 108,000 | $ 108,000 | $ 73,000 |
| Midland, TX | 1 | $ 209,000 | $ 209,000 | $ 84,000 |
| Modesto, CA | 1 | $ 277,000 | $ 277,000 | $ 90,000 |
| Mount Vernon-Anacortes, WA | 1 | $ 262,000 | $ 262,000 | $ 49,000 |
| Ocala, FL | 1 | $ 321,000 | $ 321,000 | $ 101,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 98,000 | $ 98,000 | $ 19,000 |
| Pueblo, CO | 1 | $ 223,000 | $ 223,000 | $ 107,000 |
| Punta Gorda, FL | 1 | $ 407,000 | $ 407,000 | $ 60,000 |
| San Angelo, TX | 1 | $ 260,000 | $ 260,000 | $ 209,000 |
| Sebastian-Vero Beach, FL | 1 | $ 270,000 | $ 270,000 | $ 124,000 |
| Sheboygan, WI | 1 | $ 227,000 | $ 227,000 | $ 133,000 |
| Tulsa, OK | 1 | $ 150,000 | $ 150,000 | $ 56,000 |
| Wausau, WI | 1 | $ 132,000 | $ 132,000 | $ 71,000 |
| Yuma, AZ | 1 | $ 192,000 | $ 192,000 | $ 134,000 |
Mortgage Loan Application Detail Totals for Americash in 2010
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing | 2,392 | $788,133,000 | $329,000 | $1,916,000 | $147,000 | $5,406,000 |
| Home Purchase | 75 | $27,069,000 | $360,000 | $1,031,000 | $188,000 | $1,000,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 1,682 | $557,129,000 | $331,000 | $1,916,000 | $155,000 | $5,406,000 |
| Not Provided | 449 | $153,091,000 | $340,000 | $1,500,000 | $138,000 | $840,000 |
| Asian | 186 | $63,231,000 | $339,000 | $898,000 | $149,000 | $1,368,000 |
| Hispanic | 123 | $33,958,000 | $276,000 | $1,295,000 | $104,000 | $486,000 |
| Black or African American | 13 | $3,571,000 | $274,000 | $796,000 | $117,000 | $204,000 |
| Native Hawaiian or Other Pacific Islander | 8 | $2,394,000 | $299,000 | $438,000 | $146,000 | $307,000 |
| American Indian or Alaskan Native | 6 | $1,828,000 | $304,000 | $365,000 | $123,000 | $184,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 2,443 | $807,797,000 | $330,000 | $1,916,000 | $149,000 | $5,406,000 |
| FHA-insured (Federal Housing Administration) | 22 | $6,760,000 | $307,000 | $720,000 | $81,000 | $196,000 |
| VA-guaranteed (Veterans Administration) | 2 | $645,000 | $322,000 | $475,000 | $123,000 | $166,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 1,721 | $525,773,000 | $305,000 | $1,130,000 | $150,000 | $5,406,000 |
| Application Withdrawn By Applicant | 350 | $138,539,000 | $395,000 | $1,916,000 | $154,000 | $1,000,000 |
| Application Denied By Financial Institution | 275 | $103,354,000 | $375,000 | $1,597,000 | $129,000 | $1,020,000 |
| Application Approved But Not Accepted | 120 | $46,046,000 | $383,000 | $1,704,000 | $158,000 | $563,000 |
| File Closed For Incompleteness | 1 | $1,490,000 | $1,490,000 | $1,490,000 | $313,000 | $313,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 5 | $1,552,000 | $310,000 | $410,000 | $62,000 | $88,000 |
| Collateral | 2 | $837,000 | $418,000 | $625,000 | $128,000 | $185,000 |
| Other | 2 | $915,000 | $457,000 | $800,000 | $235,000 | $390,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Americash's 2010 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Americash's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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