Americash Mortgage Lending & HMDA Data, 2014
In 2014, Americash of Costa Mesa, CA reported 1,970 mortgage applications totaling $738.8 million, down 30% from 2013. The average application was for $375,001, and applicants reported an average income of $141,987. 43% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (333), Riverside-San Bernardino-Ontario, CA (181) and Anaheim-Santa Ana-Irvine, CA (161) (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 | 1,970 |
| Total Mortgage Loan Application Amount | $738,752,000 |
| Average Mortgage Loan Application Amount | $375,001 |
| Highest Mortgage Loan Application Amount | $1,911,000 |
| Average Applicant Income | $141,987 |
| Highest Applicant Income | $1,546,000 |
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Disclosure Act (HMDA) records Americash filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 333 | $ 132,890,000 | $ 399,069 | $ 130,000 |
| Riverside-San Bernardino-Ontario, CA | 181 | $ 60,697,000 | $ 335,342 | $ 131,000 |
| Anaheim-Santa Ana-Irvine, CA | 161 | $ 68,388,000 | $ 424,770 | $ 143,000 |
| Oakland-Hayward-Berkeley, CA | 113 | $ 51,075,000 | $ 451,991 | $ 150,000 |
| San Diego-Carlsbad, CA | 103 | $ 44,346,000 | $ 430,543 | $ 149,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 87 | $ 42,955,000 | $ 493,735 | $ 169,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 69 | $ 29,544,000 | $ 428,173 | $ 150,855 |
| Phoenix-Mesa-Scottsdale, AZ | 63 | $ 21,967,000 | $ 348,682 | $ 200,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 56 | $ 17,198,000 | $ 307,107 | $ 120,000 |
| San Francisco-Redwood City-South San Francisco, CA | 48 | $ 28,161,000 | $ 586,687 | $ 176,000 |
| Seattle-Bellevue-Everett, WA | 45 | $ 14,431,000 | $ 320,688 | $ 119,000 |
| Dallas-Plano-Irving, TX | 42 | $ 11,008,000 | $ 262,095 | $ 125,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 36 | $ 14,099,000 | $ 391,638 | $ 121,000 |
| Tyler, TX | 36 | $ 6,212,000 | $ 172,555 | $ 74,000 |
| Houston-The Woodlands-Sugar Land, TX | 34 | $ 11,439,000 | $ 336,441 | $ 183,000 |
| Chicago-Naperville-Arlington Heights, IL | 31 | $ 9,781,000 | $ 315,516 | $ 159,000 |
| New York-Jersey City-White Plains, NY-NJ | 24 | $ 8,474,000 | $ 353,083 | $ 138,000 |
| Denver-Aurora-Lakewood, CO | 19 | $ 6,621,000 | $ 348,473 | $ 181,000 |
| Newark, NJ-PA | 19 | $ 7,054,000 | $ 371,263 | $ 165,000 |
| Stockton-Lodi, CA | 19 | $ 5,596,000 | $ 294,526 | $ 130,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 18 | $ 4,804,000 | $ 266,888 | $ 210,000 |
| Santa Rosa, CA | 18 | $ 7,698,000 | $ 427,666 | $ 120,000 |
| Miami-Miami Beach-Kendall, FL | 17 | $ 5,463,000 | $ 321,352 | $ 125,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 17 | $ 5,522,000 | $ 324,823 | $ 175,000 |
| Bakersfield, CA | 16 | $ 5,335,000 | $ 333,437 | $ 154,000 |
| Vallejo-Fairfield, CA | 14 | $ 4,248,000 | $ 303,428 | $ 154,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 12 | $ 3,955,000 | $ 329,583 | $ 143,000 |
| Fort Worth-Arlington, TX | 11 | $ 2,023,000 | $ 183,909 | $ 75,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 11 | $ 4,322,000 | $ 392,909 | $ 95,000 |
| Santa Cruz-Watsonville, CA | 11 | $ 4,228,000 | $ 384,363 | $ 104,000 |
| Santa Maria-Santa Barbara, CA | 11 | $ 4,373,000 | $ 397,545 | $ 99,000 |
| Tucson, AZ | 10 | $ 3,464,000 | $ 346,400 | $ 172,000 |
| Atlanta-Sandy Springs-Roswell, GA | 9 | $ 4,085,000 | $ 453,888 | $ 228,000 |
| Austin-Round Rock, TX | 9 | $ 2,042,000 | $ 226,888 | $ 119,000 |
| Philadelphia, PA | 9 | $ 1,750,000 | $ 194,444 | $ 214,000 |
| Tacoma-Lakewood, WA | 9 | $ 3,264,000 | $ 362,666 | $ 112,000 |
| Tampa-St. Petersburg-Clearwater, FL | 9 | $ 3,466,000 | $ 385,111 | $ 156,000 |
| Salinas, CA | 8 | $ 3,821,000 | $ 477,625 | $ 297,000 |
| San Antonio-New Braunfels, TX | 7 | $ 1,935,000 | $ 276,428 | $ 123,000 |
| San Rafael, CA | 7 | $ 3,904,000 | $ 557,714 | $ 120,000 |
| Hartford-West Hartford-East Hartford, CT | 6 | $ 1,030,000 | $ 171,666 | $ 86,000 |
| Montgomery County-Bucks County-Chester County, PA | 5 | $ 1,474,000 | $ 294,800 | $ 115,000 |
| Richmond, VA | 5 | $ 1,618,000 | $ 323,600 | $ 122,000 |
| Salt Lake City, UT | 5 | $ 2,217,000 | $ 443,400 | $ 204,000 |
| Boston, MA | 4 | $ 1,036,000 | $ 259,000 | $ 90,000 |
| Bridgeport-Stamford-Norwalk, CT | 4 | $ 1,360,000 | $ 340,000 | $ 134,000 |
| Cape Coral-Fort Myers, FL | 4 | $ 1,229,000 | $ 307,250 | $ 126,000 |
| Elgin, IL | 4 | $ 1,147,000 | $ 286,750 | $ 91,000 |
| Eugene, OR | 4 | $ 847,000 | $ 211,750 | $ 66,000 |
| Flagstaff, AZ | 4 | $ 2,260,000 | $ 565,000 | $ 158,000 |
| Jacksonville, FL | 4 | $ 1,336,000 | $ 334,000 | $ 151,000 |
| Lake County-Kenosha County, IL-WI | 4 | $ 1,662,000 | $ 415,500 | $ 150,000 |
| Lynchburg, VA | 4 | $ 1,323,000 | $ 330,750 | $ 142,000 |
| Savannah, GA | 4 | $ 941,000 | $ 235,250 | $ 104,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 3 | $ 838,000 | $ 279,333 | $ 78,666 |
| Amarillo, TX | 3 | $ 297,000 | $ 99,000 | $ 226,000 |
| Camden, NJ | 3 | $ 1,027,000 | $ 342,333 | $ 198,000 |
| College Station-Bryan, TX | 3 | $ 913,000 | $ 304,333 | $ 250,000 |
| Colorado Springs, CO | 3 | $ 1,650,000 | $ 550,000 | $ 182,000 |
| Fort Collins, CO | 3 | $ 1,569,000 | $ 523,000 | $ 179,000 |
| Lake Havasu City-Kingman, AZ | 3 | $ 999,000 | $ 333,000 | $ 98,000 |
| Madera, CA | 3 | $ 681,000 | $ 227,000 | $ 123,000 |
| Modesto, CA | 3 | $ 906,000 | $ 302,000 | $ 103,000 |
| Orlando-Kissimmee-Sanford, FL | 3 | $ 1,342,000 | $ 447,333 | $ 248,000 |
| Prescott, AZ | 3 | $ 1,964,000 | $ 654,666 | $ 115,000 |
| Redding, CA | 3 | $ 917,000 | $ 305,666 | $ 114,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 3 | $ 1,285,000 | $ 428,333 | $ 294,000 |
| Yuba City, CA | 3 | $ 839,000 | $ 279,666 | $ 131,000 |
| Boulder, CO | 2 | $ 766,000 | $ 383,000 | $ 112,000 |
| Charlottesville, VA | 2 | $ 1,068,000 | $ 534,000 | $ 141,000 |
| Fresno, CA | 2 | $ 489,000 | $ 244,500 | $ 52,000 |
| Hanford-Corcoran, CA | 2 | $ 610,000 | $ 305,000 | $ 180,000 |
| Killeen-Temple, TX | 2 | $ 375,000 | $ 187,500 | $ 88,000 |
| Las Cruces, NM | 2 | $ 345,000 | $ 172,500 | $ 111,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 2 | $ 492,000 | $ 246,000 | $ 129,000 |
| New Haven-Milford, CT | 2 | $ 490,000 | $ 245,000 | $ 62,000 |
| North Port-Sarasota-Bradenton, FL | 2 | $ 695,000 | $ 347,500 | $ 137,000 |
| Pittsburgh, PA | 2 | $ 949,000 | $ 474,500 | $ 184,000 |
| Waco, TX | 2 | $ 590,000 | $ 295,000 | $ 128,000 |
| Warren-Troy-Farmington Hills, MI | 2 | $ 221,000 | $ 110,500 | $ 203,000 |
| Worcester, MA-CT | 2 | $ 476,000 | $ 238,000 | $ 107,000 |
| Albany, OR | 1 | $ 180,000 | $ 180,000 | $ 55,000 |
| Albuquerque, NM | 1 | $ 600,000 | $ 600,000 | $ 212,000 |
| Baltimore-Columbia-Towson, MD | 1 | $ 555,000 | $ 555,000 | $ 138,000 |
| Barnstable Town, MA | 1 | $ 340,000 | $ 340,000 | $ 175,000 |
| Beaumont-Port Arthur, TX | 1 | $ 358,000 | $ 358,000 | $ 84,000 |
| Bellingham, WA | 1 | $ 236,000 | $ 236,000 | $ 60,000 |
| Boise City, ID | 1 | $ 170,000 | $ 170,000 | $ 61,000 |
| Brownsville-Harlingen, TX | 1 | $ 85,000 | $ 85,000 | $ 48,000 |
| Cambridge-Newton-Framingham, MA | 1 | $ 563,000 | $ 563,000 | $ 67,000 |
| Charlotte-Concord-Gastonia, NC-SC | 1 | $ 82,000 | $ 82,000 | $ 164,000 |
| Corpus Christi, TX | 1 | $ 410,000 | $ 410,000 | $ 137,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 725,000 | $ 725,000 | $ 194,000 |
| Davenport-Moline-Rock Island, IA-IL | 1 | $ 136,000 | $ 136,000 | $ 43,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 379,000 | $ 379,000 | $ 300,000 |
| Erie, PA | 1 | $ 248,000 | $ 248,000 | $ 50,000 |
| Gainesville, FL | 1 | $ 120,000 | $ 120,000 | $ 53,000 |
| Laredo, TX | 1 | $ 132,000 | $ 132,000 | $ 77,000 |
| Logan, UT-ID | 1 | $ 152,000 | $ 152,000 | $ 29,000 |
| Longview, TX | 1 | $ 157,000 | $ 157,000 | $ 72,000 |
| Merced, CA | 1 | $ 488,000 | $ 488,000 | $ 229,000 |
| Midland, TX | 1 | $ 535,000 | $ 535,000 | $ 310,000 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 280,000 | $ 280,000 | $ 146,000 |
| Monroe, MI | 1 | $ 190,000 | $ 190,000 | $ 68,000 |
| Napa, CA | 1 | $ 304,000 | $ 304,000 | $ 63,000 |
| Ocala, FL | 1 | $ 170,000 | $ 170,000 | $ 101,000 |
| Ocean City, NJ | 1 | $ 328,000 | $ 328,000 | $ 175,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 165,000 | $ 165,000 | $ 111,000 |
| Port St. Lucie, FL | 1 | $ 191,000 | $ 191,000 | $ 46,000 |
| Providence-Warwick, RI-MA | 1 | $ 126,000 | $ 126,000 | $ 71,000 |
| Roanoke, VA | 1 | $ 320,000 | $ 320,000 | $ 129,000 |
| Salem, OR | 1 | $ 417,000 | $ 417,000 | $ 111,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 1 | $ 159,000 | $ 159,000 | $ 350,000 |
| Silver Spring-Frederick-Rockville, MD | 1 | $ 360,000 | $ 360,000 | $ 304,000 |
| Spokane-Spokane Valley, WA | 1 | $ 124,000 | $ 124,000 | $ 23,000 |
| Springfield, IL | 1 | $ 285,000 | $ 285,000 | $ 138,000 |
| Trenton, NJ | 1 | $ 358,000 | $ 358,000 | $ 115,000 |
| Vineland-Bridgeton, NJ | 1 | $ 135,000 | $ 135,000 | $ 35,000 |
| Walla Walla, WA | 1 | $ 417,000 | $ 417,000 | $ 204,000 |
| Wenatchee, WA | 1 | $ 555,000 | $ 555,000 | $ 114,000 |
| Wichita Falls, TX | 1 | $ 83,000 | $ 83,000 | $ 44,000 |
| Wilmington, DE-MD-NJ | 1 | $ 233,000 | $ 233,000 | $ 130,000 |
Mortgage Loan Application Detail Totals for Americash in 2014
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 | 1,865 | $709,362,000 | $380,000 | $1,911,000 | $143,000 | $1,546,000 |
| Home Purchase | 105 | $29,390,000 | $279,000 | $928,000 | $124,000 | $520,000 |
| 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 | 1,220 | $465,174,000 | $381,000 | $1,643,000 | $146,000 | $1,546,000 |
| Not Provided | 277 | $105,516,000 | $380,000 | $1,500,000 | $153,000 | $1,200,000 |
| Hispanic | 203 | $70,455,000 | $347,000 | $1,911,000 | $110,000 | $570,000 |
| Asian | 188 | $71,794,000 | $381,000 | $1,203,000 | $139,000 | $649,000 |
| Black or African American | 62 | $17,620,000 | $284,000 | $598,000 | $94,000 | $316,000 |
| Native Hawaiian or Other Pacific Islander | 15 | $6,390,000 | $426,000 | $1,000,000 | $254,000 | $1,299,000 |
| American Indian or Alaskan Native | 5 | $1,803,000 | $360,000 | $555,000 | $95,000 | $137,000 |
| 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) | 1,850 | $708,818,000 | $383,000 | $1,911,000 | $146,000 | $1,546,000 |
| FHA-insured (Federal Housing Administration) | 86 | $20,251,000 | $235,000 | $623,000 | $77,000 | $240,000 |
| VA-guaranteed (Veterans Administration) | 31 | $9,170,000 | $295,000 | $598,000 | $77,000 | $177,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $513,000 | $171,000 | $264,000 | $78,000 | $120,000 |
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 | 855 | $313,955,000 | $367,000 | $1,500,000 | $142,000 | $1,190,000 |
| Application Withdrawn By Applicant | 654 | $253,628,000 | $387,000 | $1,911,000 | $151,000 | $1,299,000 |
| Application Denied By Financial Institution | 262 | $97,342,000 | $371,000 | $1,260,000 | $104,000 | $653,000 |
| File Closed For Incompleteness | 198 | $73,527,000 | $371,000 | $1,203,000 | $159,000 | $1,546,000 |
| Application Approved But Not Accepted | 1 | $300,000 | $300,000 | $300,000 | $192,000 | $192,000 |
| 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 | 132 | $50,868,000 | $385,000 | $920,000 | $88,000 | $498,000 |
| Credit History | 47 | $15,653,000 | $333,000 | $1,000,000 | $101,000 | $336,000 |
| Collateral | 35 | $13,861,000 | $396,000 | $987,000 | $155,000 | $653,000 |
| Other | 22 | $8,315,000 | $377,000 | $1,260,000 | $109,000 | $324,000 |
| Employment History | 10 | $3,326,000 | $332,000 | $533,000 | $106,000 | $240,000 |
| Unverifiable Information | 3 | $1,390,000 | $463,000 | $675,000 | $156,000 | $283,000 |
| Credit Application Incomplete | 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 2014 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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