Ameriwest Financial Inc Mortgage Lending & HMDA Data, 2006
In 2006, Ameriwest Financial Inc of Sacramento, CA reported 2,977 mortgage applications totaling $791.2 million, up 396% from 2005. The average application was for $265,784, and applicants reported an average income of $62,079. 0% of its applications resulted in an originated loan and 55% were denied. Its largest markets were Riverside-San Bernardino-Ontario, CA (411), Los Angeles-Long Beach-Glendale, CA (395) and Sacramento--Arden-Arcade--Roseville, CA (331) (applications in parentheses).
| Mortgage Company & Address | Ameriwest Financial Inc 3780 Rosin Ct Ste 240 Sacramento, CA 95834 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2006 2005 |
| Total Number of Mortgage Applications | 2,977 |
| Total Mortgage Loan Application Amount | $791,240,000 |
| Average Mortgage Loan Application Amount | $265,784 |
| Highest Mortgage Loan Application Amount | $1,710,000 |
| Average Applicant Income | $62,079 |
| Highest Applicant Income | $555,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Ameriwest Financial Inc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Los Angeles, California | 395 | $ 121,057,000 | $ 306,473 | $ 66,000 |
| San Bernardino, California | 242 | $ 55,678,000 | $ 230,074 | $ 57,000 |
| Sacramento, California | 238 | $ 60,624,000 | $ 254,722 | $ 59,000 |
| Riverside, California | 169 | $ 42,559,000 | $ 251,828 | $ 59,000 |
| San Diego, California | 157 | $ 54,200,000 | $ 345,222 | $ 69,000 |
| Alameda, California | 112 | $ 35,445,000 | $ 316,473 | $ 68,000 |
| Fresno, California | 104 | $ 19,004,000 | $ 182,730 | $ 48,000 |
| Kern, California | 104 | $ 17,874,000 | $ 171,865 | $ 49,000 |
| Contra Costa, California | 96 | $ 28,336,000 | $ 295,166 | $ 72,000 |
| San Joaquin, California | 86 | $ 22,919,000 | $ 266,500 | $ 60,000 |
| Butte, California | 77 | $ 13,708,000 | $ 178,025 | $ 47,000 |
| Santa Clara, California | 77 | $ 30,504,000 | $ 396,155 | $ 88,000 |
| Orange, California | 65 | $ 21,560,000 | $ 331,692 | $ 66,000 |
| Tulare, California | 64 | $ 10,927,000 | $ 170,734 | $ 48,000 |
| Solano, California | 61 | $ 18,110,000 | $ 296,885 | $ 71,000 |
| Stanislaus, California | 55 | $ 13,834,000 | $ 251,527 | $ 62,000 |
| Ventura, California | 54 | $ 19,168,000 | $ 354,962 | $ 82,000 |
| Shasta, California | 52 | $ 10,019,000 | $ 192,673 | $ 56,000 |
| Sonoma, California | 52 | $ 14,937,000 | $ 287,250 | $ 68,000 |
| Santa Barbara, California | 47 | $ 15,019,000 | $ 319,553 | $ 86,000 |
| El Dorado, California | 42 | $ 11,382,000 | $ 271,000 | $ 67,000 |
| Tehama, California | 39 | $ 6,814,000 | $ 174,717 | $ 42,000 |
| Clark, Nevada | 39 | $ 8,097,000 | $ 207,615 | $ 53,000 |
| Monterey, California | 35 | $ 12,398,000 | $ 354,228 | $ 79,000 |
| Lake, California | 32 | $ 6,281,000 | $ 196,281 | $ 55,000 |
| Merced, California | 32 | $ 7,674,000 | $ 239,812 | $ 45,000 |
| Placer, California | 32 | $ 9,107,000 | $ 284,593 | $ 65,000 |
| Washoe, Nevada | 30 | $ 6,696,000 | $ 223,200 | $ 58,000 |
| San Francisco, California | 29 | $ 10,479,000 | $ 361,344 | $ 60,000 |
| San Mateo, California | 29 | $ 12,134,000 | $ 418,413 | $ 90,000 |
| Humboldt, California | 26 | $ 4,738,000 | $ 182,230 | $ 44,000 |
| Nevada, California | 22 | $ 5,889,000 | $ 267,681 | $ 60,000 |
| San Luis Obispo, California | 22 | $ 6,483,000 | $ 294,681 | $ 68,000 |
| Siskiyou, California | 19 | $ 2,990,000 | $ 157,368 | $ 55,000 |
| Yolo, California | 19 | $ 4,593,000 | $ 241,736 | $ 89,000 |
| Imperial, California | 18 | $ 2,957,000 | $ 164,277 | $ 45,000 |
| Madera, California | 18 | $ 3,713,000 | $ 206,277 | $ 51,000 |
| Santa Cruz, California | 18 | $ 5,348,000 | $ 297,111 | $ 70,000 |
| Mendocino, California | 16 | $ 4,005,000 | $ 250,312 | $ 62,000 |
| Kings, California | 15 | $ 2,439,000 | $ 162,600 | $ 35,000 |
| Marin, California | 15 | $ 5,358,000 | $ 357,200 | $ 81,000 |
| Napa, California | 15 | $ 5,122,000 | $ 341,466 | $ 83,000 |
| Yuba, California | 15 | $ 2,304,000 | $ 153,600 | $ 43,000 |
| Calaveras, California | 13 | $ 2,984,000 | $ 229,538 | $ 62,000 |
| Sutter, California | 11 | $ 2,630,000 | $ 239,090 | $ 63,000 |
| Amador, California | 9 | $ 2,220,000 | $ 246,666 | $ 66,000 |
| Del Norte, California | 8 | $ 2,121,000 | $ 265,125 | $ 79,000 |
| Tuolumne, California | 8 | $ 1,436,000 | $ 179,500 | $ 36,000 |
| Glenn, California | 7 | $ 1,054,000 | $ 150,571 | $ 40,000 |
| Lassen, California | 6 | $ 754,000 | $ 125,666 | $ 51,000 |
| Mariposa, California | 6 | $ 932,000 | $ 155,333 | $ 66,000 |
| Plumas, California | 5 | $ 898,000 | $ 179,600 | $ 55,000 |
| Carson City, Nevada | 4 | $ 353,000 | $ 88,250 | $ 50,000 |
| Colusa, California | 3 | $ 494,000 | $ 164,666 | $ 28,000 |
| San Benito, California | 3 | $ 1,431,000 | $ 477,000 | $ 74,000 |
| Lyon, Nevada | 3 | $ 556,000 | $ 185,333 | $ 49,000 |
| Inyo, California | 2 | $ 230,000 | $ 115,000 | $ 24,000 |
| Trinity, California | 2 | $ 261,000 | $ 130,500 | $ 46,000 |
| Churchill, Nevada | 2 | $ 248,000 | $ 124,000 | $ 41,000 |
| Modoc, California | 1 | $ 155,000 | $ 155,000 | $ 72,000 |
Mortgage Loan Application Detail Totals for Ameriwest Financial Inc in 2006
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 | 2,964 | $789,499,000 | $266,000 | $1,710,000 | $62,000 | $555,000 |
| Home Improvement | 10 | $977,000 | $97,000 | $130,000 | $89,000 | $196,000 |
| Home Purchase | 3 | $764,000 | $254,000 | $450,000 | $51,000 | $90,000 |
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 | 2,859 | $762,671,000 | $266,000 | $1,710,000 | $62,000 | $555,000 |
| White | 70 | $15,769,000 | $225,000 | $650,000 | $57,000 | $240,000 |
| Hispanic | 26 | $6,816,000 | $262,000 | $592,000 | $71,000 | $184,000 |
| Black or African American | 13 | $3,269,000 | $251,000 | $515,000 | $51,000 | $80,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $1,205,000 | $301,000 | $621,000 | $81,000 | $144,000 |
| Asian | 4 | $1,310,000 | $327,000 | $570,000 | $120,000 | $240,000 |
| American Indian or Alaskan Native | 1 | $200,000 | $200,000 | $200,000 | $49,000 | $49,000 |
| 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) | 2,974 | $790,420,000 | $265,000 | $1,710,000 | $62,000 | $555,000 |
| FHA-insured (Federal Housing Administration) | 1 | $279,000 | $279,000 | $279,000 | $42,000 | $42,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $453,000 | $453,000 | $453,000 | $97,000 | $97,000 |
| VA-guaranteed (Veterans Administration) | 1 | $88,000 | $88,000 | $88,000 | $23,000 | $23,000 |
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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 1,646 | $459,924,000 | $279,000 | $1,710,000 | $57,000 | $555,000 |
| Application Withdrawn By Applicant | 1,318 | $328,779,000 | $249,000 | $1,400,000 | $69,000 | $438,000 |
| Loan Originated | 13 | $2,537,000 | $195,000 | $393,000 | $69,000 | $152,000 |
| 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 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 | 426 | $131,649,000 | $309,000 | $828,000 | $47,000 | $204,000 |
| Credit History | 312 | $75,434,000 | $241,000 | $1,325,000 | $57,000 | $555,000 |
| Collateral | 268 | $77,535,000 | $289,000 | $1,300,000 | $68,000 | $336,000 |
| Other | 117 | $33,887,000 | $289,000 | $832,000 | $65,000 | $501,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 104 | $31,682,000 | $304,000 | $990,000 | $48,000 | $240,000 |
| Credit Application Incomplete | 83 | $19,580,000 | $235,000 | $944,000 | $62,000 | $366,000 |
| Unverifiable Information | 24 | $7,401,000 | $308,000 | $1,710,000 | $74,000 | $462,000 |
| Employment History | 17 | $3,172,000 | $186,000 | $450,000 | $57,000 | $156,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Ameriwest Financial Inc's 2006 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 Ameriwest Financial Inc'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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