Americash Mortgage Lending & HMDA Data, 2012
In 2012, Americash of Costa Mesa, CA reported 4,017 mortgage applications totaling $1.3 billion, up 51% from 2011. The average application was for $323,881, and applicants reported an average income of $143,460. 70% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (664), Santa Ana-Anaheim-Irvine, CA (403) and San Diego-Carlsbad-San Marcos, CA (288) (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 | 4,017 |
| Total Mortgage Loan Application Amount | $1,301,032,000 |
| Average Mortgage Loan Application Amount | $323,881 |
| Highest Mortgage Loan Application Amount | $1,445,000 |
| Average Applicant Income | $143,460 |
| Highest Applicant Income | $1,740,000 |
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Disclosure Act (HMDA) records Americash filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 664 | $ 240,216,000 | $ 361,771 | $ 143,000 |
| Santa Ana-Anaheim-Irvine, CA | 403 | $ 149,678,000 | $ 371,409 | $ 147,000 |
| San Diego-Carlsbad-San Marcos, CA | 288 | $ 101,117,000 | $ 351,100 | $ 147,000 |
| Oakland-Fremont-Hayward, CA | 231 | $ 82,657,000 | $ 357,822 | $ 151,000 |
| Riverside-San Bernardino-Ontario, CA | 180 | $ 49,042,000 | $ 272,455 | $ 126,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 175 | $ 71,621,000 | $ 409,262 | $ 160,000 |
| Houston-Sugar Land-Baytown, TX | 148 | $ 42,756,000 | $ 288,891 | $ 152,000 |
| San Francisco-San Mateo-Redwood City, CA | 132 | $ 56,860,000 | $ 430,757 | $ 170,000 |
| Dallas-Plano-Irving, TX | 118 | $ 32,478,000 | $ 275,237 | $ 157,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 109 | $ 30,411,000 | $ 279,000 | $ 117,000 |
| Seattle-Bellevue-Everett, WA | 109 | $ 33,746,000 | $ 309,596 | $ 135,000 |
| Philadelphia, PA | 101 | $ 30,966,000 | $ 306,594 | $ 150,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 98 | $ 33,323,000 | $ 340,030 | $ 139,000 |
| Chicago-Joliet-Naperville, IL | 81 | $ 23,226,000 | $ 286,740 | $ 154,000 |
| Phoenix-Mesa-Glendale, AZ | 76 | $ 16,656,000 | $ 219,157 | $ 100,000 |
| Austin-Round Rock-San Marcos, TX | 62 | $ 17,415,000 | $ 280,887 | $ 212,000 |
| Edison-New Brunswick, NJ | 61 | $ 20,943,000 | $ 343,327 | $ 148,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 53 | $ 14,911,000 | $ 281,339 | $ 134,245 |
| Denver-Aurora-Broomfield, CO | 52 | $ 13,756,000 | $ 264,538 | $ 117,000 |
| Newark-Union, NJ-PA | 42 | $ 13,194,000 | $ 314,142 | $ 159,000 |
| Fort Worth-Arlington, TX | 39 | $ 9,798,000 | $ 251,230 | $ 129,000 |
| Atlanta-Sandy Springs-Marietta, GA | 32 | $ 8,650,000 | $ 270,312 | $ 168,000 |
| San Antonio-New Braunfels, TX | 29 | $ 7,397,000 | $ 255,068 | $ 164,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 28 | $ 7,110,000 | $ 253,928 | $ 125,000 |
| San Luis Obispo-Paso Robles, CA | 27 | $ 7,435,000 | $ 275,370 | $ 117,000 |
| New York-White Plains-Wayne, NY-NJ | 26 | $ 8,858,000 | $ 340,692 | $ 152,000 |
| Tucson, AZ | 23 | $ 5,222,000 | $ 227,043 | $ 117,000 |
| Santa Rosa-Petaluma, CA | 22 | $ 6,826,000 | $ 310,272 | $ 110,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 19 | $ 7,075,000 | $ 372,368 | $ 140,000 |
| Stockton, CA | 18 | $ 4,509,000 | $ 250,500 | $ 94,000 |
| Pittsburgh, PA | 17 | $ 4,969,000 | $ 292,294 | $ 134,000 |
| Santa Cruz-Watsonville, CA | 17 | $ 7,389,000 | $ 434,647 | $ 152,000 |
| Fresno, CA | 16 | $ 4,391,000 | $ 274,437 | $ 120,000 |
| Bakersfield-Delano, CA | 15 | $ 3,174,000 | $ 211,600 | $ 142,000 |
| Bridgeport-Stamford-Norwalk, CT | 15 | $ 4,841,000 | $ 322,733 | $ 141,000 |
| Trenton-Ewing, NJ | 14 | $ 4,767,000 | $ 340,500 | $ 145,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 13 | $ 3,907,000 | $ 300,538 | $ 167,384 |
| Boulder, CO | 12 | $ 4,920,000 | $ 410,000 | $ 161,000 |
| Colorado Springs, CO | 12 | $ 3,040,000 | $ 253,333 | $ 114,000 |
| Hartford-West Hartford-East Hartford, CT | 12 | $ 3,163,000 | $ 263,583 | $ 119,000 |
| Vallejo-Fairfield, CA | 12 | $ 3,194,000 | $ 266,166 | $ 124,000 |
| Camden, NJ | 11 | $ 2,497,000 | $ 227,000 | $ 119,000 |
| Lake County-Kenosha County, IL-WI | 11 | $ 3,039,000 | $ 276,272 | $ 137,000 |
| Tacoma, WA | 11 | $ 3,007,000 | $ 273,363 | $ 144,000 |
| Flagstaff, AZ | 10 | $ 2,257,000 | $ 225,700 | $ 75,000 |
| Salinas, CA | 10 | $ 4,201,000 | $ 420,100 | $ 171,000 |
| Bremerton-Silverdale, WA | 8 | $ 2,174,000 | $ 271,750 | $ 102,000 |
| Fort Collins-Loveland, CO | 8 | $ 2,403,000 | $ 300,375 | $ 153,000 |
| Harrisburg-Carlisle, PA | 8 | $ 2,075,000 | $ 259,375 | $ 137,000 |
| Modesto, CA | 8 | $ 1,954,000 | $ 244,250 | $ 156,000 |
| Napa, CA | 8 | $ 2,459,000 | $ 307,375 | $ 96,000 |
| New Haven-Milford, CT | 8 | $ 2,055,000 | $ 256,875 | $ 138,000 |
| Spokane, WA | 8 | $ 1,579,000 | $ 197,375 | $ 105,000 |
| Madera-Chowchilla, CA | 7 | $ 1,173,000 | $ 167,571 | $ 126,000 |
| Olympia, WA | 7 | $ 1,856,000 | $ 265,142 | $ 123,000 |
| Amarillo, TX | 6 | $ 898,000 | $ 149,666 | $ 282,000 |
| Merced, CA | 6 | $ 1,109,000 | $ 184,833 | $ 89,000 |
| Prescott, AZ | 6 | $ 1,938,000 | $ 323,000 | $ 87,000 |
| Redding, CA | 6 | $ 1,450,000 | $ 241,666 | $ 147,000 |
| Visalia-Porterville, CA | 6 | $ 1,275,000 | $ 212,500 | $ 81,000 |
| Albuquerque, NM | 5 | $ 1,182,000 | $ 236,400 | $ 89,000 |
| Bellingham, WA | 5 | $ 1,256,000 | $ 251,200 | $ 104,000 |
| Chico, CA | 5 | $ 1,161,000 | $ 232,200 | $ 73,000 |
| Corpus Christi, TX | 5 | $ 1,171,000 | $ 234,200 | $ 123,000 |
| Lancaster, PA | 5 | $ 1,579,000 | $ 315,800 | $ 135,000 |
| Salt Lake City, UT | 5 | $ 1,586,000 | $ 317,200 | $ 130,000 |
| St. Louis, MO-IL | 5 | $ 719,000 | $ 143,800 | $ 97,000 |
| Wenatchee-East Wenatchee, WA | 5 | $ 1,394,000 | $ 278,800 | $ 120,000 |
| York-Hanover, PA | 5 | $ 1,185,000 | $ 237,000 | $ 95,000 |
| Bend, OR | 4 | $ 1,323,000 | $ 330,750 | $ 197,000 |
| Brownsville-Harlingen, TX | 4 | $ 666,000 | $ 166,500 | $ 188,000 |
| Kennewick-Pasco-Richland, WA | 4 | $ 1,141,000 | $ 285,250 | $ 88,000 |
| Ocean City, NJ | 4 | $ 780,000 | $ 195,000 | $ 226,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 3 | $ 940,000 | $ 313,333 | $ 112,000 |
| Jacksonville, FL | 3 | $ 823,000 | $ 274,333 | $ 121,000 |
| Lake Havasu City-Kingman, AZ | 3 | $ 634,000 | $ 211,333 | $ 66,000 |
| Medford, OR | 3 | $ 444,000 | $ 148,000 | $ 55,000 |
| Ogden-Clearfield, UT | 3 | $ 708,000 | $ 236,000 | $ 59,000 |
| Orlando-Kissimmee-Sanford, FL | 3 | $ 546,000 | $ 182,000 | $ 71,000 |
| Port St. Lucie, FL | 3 | $ 673,000 | $ 224,333 | $ 92,000 |
| Scranton--Wilkes-Barre, PA | 3 | $ 993,000 | $ 331,000 | $ 130,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 3 | $ 1,018,000 | $ 339,333 | $ 171,000 |
| Brunswick, GA | 2 | $ 1,076,000 | $ 538,000 | $ 256,000 |
| El Paso, TX | 2 | $ 452,000 | $ 226,000 | $ 113,000 |
| Eugene-Springfield, OR | 2 | $ 298,000 | $ 149,000 | $ 63,000 |
| Greeley, CO | 2 | $ 690,000 | $ 345,000 | $ 109,000 |
| Greenville-Mauldin-Easley, SC | 2 | $ 282,000 | $ 141,000 | $ 90,000 |
| Longview, WA | 2 | $ 437,000 | $ 218,500 | $ 87,000 |
| Pensacola-Ferry Pass-Brent, FL | 2 | $ 387,000 | $ 193,500 | $ 321,000 |
| Provo-Orem, UT | 2 | $ 396,000 | $ 198,000 | $ 80,000 |
| Reading, PA | 2 | $ 384,000 | $ 192,000 | $ 56,000 |
| Santa Fe, NM | 2 | $ 2,087,000 | $ 1,043,500 | $ 247,000 |
| Tampa-St. Petersburg-Clearwater, FL | 2 | $ 649,000 | $ 324,500 | $ 227,000 |
| Abilene, TX | 1 | $ 112,000 | $ 112,000 | $ 113,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 245,000 | $ 245,000 | $ 73,000 |
| Boise City-Nampa, ID | 1 | $ 155,000 | $ 155,000 | $ 51,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 257,000 | $ 257,000 | $ 82,000 |
| Champaign-Urbana, IL | 1 | $ 289,000 | $ 289,000 | $ 171,000 |
| Coeur D'Alene, ID | 1 | $ 154,000 | $ 154,000 | $ 51,000 |
| College Station-Bryan, TX | 1 | $ 106,000 | $ 106,000 | $ 80,000 |
| Corvallis, OR | 1 | $ 199,000 | $ 199,000 | $ 335,000 |
| Davenport-Moline-Rock Island, IA-IL | 1 | $ 124,000 | $ 124,000 | $ 96,000 |
| El Centro, CA | 1 | $ 236,000 | $ 236,000 | $ 166,000 |
| Erie, PA | 1 | $ 110,000 | $ 110,000 | $ 60,000 |
| Grand Forks, ND-MN | 1 | $ 132,000 | $ 132,000 | $ 38,000 |
| Grand Junction, CO | 1 | $ 216,000 | $ 216,000 | $ 176,000 |
| Killeen-Temple-Fort Hood, TX | 1 | $ 234,000 | $ 234,000 | $ 111,000 |
| Logan, UT-ID | 1 | $ 288,000 | $ 288,000 | $ 67,000 |
| Lubbock, TX | 1 | $ 308,000 | $ 308,000 | $ 103,000 |
| Macon, GA | 1 | $ 264,000 | $ 264,000 | $ 0 |
| McAllen-Edinburg-Mission, TX | 1 | $ 228,000 | $ 228,000 | $ 75,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 160,000 | $ 160,000 | $ 99,000 |
| North Port-Bradenton-Sarasota, FL | 1 | $ 275,000 | $ 275,000 | $ 125,000 |
| Norwich-New London, CT | 1 | $ 256,000 | $ 256,000 | $ 126,000 |
| Palm Coast, FL | 1 | $ 175,000 | $ 175,000 | $ 94,000 |
| Panama City-Lynn Haven-Panama City Beach, FL | 1 | $ 175,000 | $ 175,000 | $ 153,000 |
| Peoria, IL | 1 | $ 285,000 | $ 285,000 | $ 102,000 |
| Pueblo, CO | 1 | $ 241,000 | $ 241,000 | $ 125,000 |
| Richmond, VA | 1 | $ 262,000 | $ 262,000 | $ 1,740,000 |
| Salem, OR | 1 | $ 766,000 | $ 766,000 | $ 309,000 |
| Sebastian-Vero Beach, FL | 1 | $ 220,000 | $ 220,000 | $ 90,000 |
| St. George, UT | 1 | $ 353,000 | $ 353,000 | $ 115,000 |
| State College, PA | 1 | $ 258,000 | $ 258,000 | $ 119,000 |
| Waco, TX | 1 | $ 160,000 | $ 160,000 | $ 82,000 |
| Yakima, WA | 1 | $ 254,000 | $ 254,000 | $ 180,000 |
| Youngstown-Warren-Boardman, OH-PA | 1 | $ 160,000 | $ 160,000 | $ 112,000 |
| Yuba City, CA | 1 | $ 296,000 | $ 296,000 | $ 110,000 |
| Yuma, AZ | 1 | $ 265,000 | $ 265,000 | $ 140,000 |
Mortgage Loan Application Detail Totals for Americash in 2012
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 | 3,832 | $1,243,937,000 | $324,000 | $1,445,000 | $143,000 | $1,740,000 |
| Home Purchase | 185 | $57,095,000 | $308,000 | $685,000 | $153,000 | $437,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not Provided | 2,014 | $668,535,000 | $331,000 | $1,445,000 | $147,000 | $1,740,000 |
| White | 1,486 | $465,339,000 | $313,000 | $1,200,000 | $141,000 | $1,488,000 |
| Asian | 328 | $110,993,000 | $338,000 | $870,000 | $142,000 | $536,000 |
| Hispanic | 145 | $43,862,000 | $302,000 | $936,000 | $127,000 | $540,000 |
| Black or African American | 33 | $8,969,000 | $271,000 | $417,000 | $114,000 | $248,000 |
| Native Hawaiian or Other Pacific Islander | 7 | $2,138,000 | $305,000 | $581,000 | $96,000 | $134,000 |
| American Indian or Alaskan Native | 4 | $1,196,000 | $299,000 | $445,000 | $91,000 | $108,000 |
| 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) | 3,996 | $1,294,718,000 | $324,000 | $1,445,000 | $143,000 | $1,740,000 |
| FHA-insured (Federal Housing Administration) | 15 | $4,373,000 | $291,000 | $589,000 | $101,000 | $221,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $1,393,000 | $278,000 | $375,000 | $134,000 | $350,000 |
| VA-guaranteed (Veterans Administration) | 1 | $548,000 | $548,000 | $548,000 | $111,000 | $111,000 |
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 | 2,827 | $913,941,000 | $323,000 | $1,278,000 | $145,000 | $1,226,000 |
| Application Withdrawn By Applicant | 865 | $287,171,000 | $331,000 | $1,445,000 | $145,000 | $1,740,000 |
| Application Denied By Financial Institution | 233 | $71,533,000 | $307,000 | $825,000 | $116,000 | $1,194,000 |
| File Closed For Incompleteness | 88 | $26,834,000 | $304,000 | $780,000 | $140,000 | $650,000 |
| Application Approved But Not Accepted | 4 | $1,553,000 | $388,000 | $511,000 | $122,000 | $158,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 41 | $12,557,000 | $306,000 | $825,000 | $157,000 | $570,000 |
| Debt-To-Income Ratio | 39 | $12,191,000 | $312,000 | $631,000 | $85,000 | $202,000 |
| Other | 30 | $8,839,000 | $294,000 | $675,000 | $170,000 | $1,194,000 |
| Credit History | 9 | $3,511,000 | $390,000 | $625,000 | $90,000 | $164,000 |
| Unverifiable Information | 4 | $1,068,000 | $267,000 | $375,000 | $115,000 | $165,000 |
| Employment History | 4 | $1,250,000 | $312,000 | $399,000 | $138,000 | $187,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $218,000 | $218,000 | $218,000 | $46,000 | $46,000 |
| Credit Application Incomplete | 1 | $546,000 | $546,000 | $546,000 | $300,000 | $300,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Americash's 2012 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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