Westamerica Mortgage Company Mortgage Lending & HMDA Data, 2003

In 2003, Westamerica Mortgage Company of Oakbrook Terrace, IL reported 21,806 mortgage applications totaling $3.5 billion. The average application was for $158,470, and applicants reported an average income of $20,982. 15% of its applications resulted in an originated loan and 1% were denied. Its largest markets were Chicago, IL (9,409), Denver, CO (1,899) and Kansas City, MO-KS (935) (applications in parentheses).

Mortgage Company & Address Westamerica Mortgage Company
1 S 660 Midwest Road, Suite 100
Oakbrook Terrace, IL 60181
Tel #: available with data download
Federal Regulator * available with data download
Years 2003  
Total Number of Mortgage Applications 21,806
Total Mortgage Loan Application Amount $3,455,597,000
Average Mortgage Loan Application Amount $158,470
Highest Mortgage Loan Application Amount $1,500,000
Average Applicant Income $20,982
Highest Applicant Income $887,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Westamerica Mortgage Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for Westamerica Mortgage Company by County in 2003

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Cook, Illinois 5,160 $ 885,702,000 $ 171,647 $ 44,000
DuPage, Illinois 1,143 $ 216,278,000 $ 189,219 $ 51,000
Will, Illinois 957 $ 159,333,000 $ 166,492 $ 46,000
Lake, Illinois 890 $ 162,126,000 $ 182,164 $ 50,000
Kane, Illinois 721 $ 124,166,000 $ 172,213 $ 37,000
Maricopa, Arizona 624 $ 109,941,000 $ 176,187 $ 55,000
Jackson, Missouri 589 $ 72,341,000 $ 122,820 $ 0
Jefferson, Colorado 540 $ 100,235,000 $ 185,620 $ 27,000
Arapahoe, Colorado 434 $ 80,270,000 $ 184,953 $ 43,000
McHenry, Illinois 419 $ 75,808,000 $ 180,926 $ 37,000
Johnson, Kansas 375 $ 59,906,000 $ 159,749 $ 0
Denver, Colorado 372 $ 68,282,000 $ 183,553 $ 21,000
Adams, Colorado 292 $ 50,071,000 $ 171,476 $ 20,000
Boulder, Colorado 286 $ 61,660,000 $ 215,594 $ 5,000
Larimer, Colorado 266 $ 48,233,000 $ 181,327 $ 4,000
Douglas, Colorado 261 $ 57,502,000 $ 220,314 $ 40,000
Pima, Arizona 226 $ 22,425,000 $ 99,225 $ 35,000
Sedgwick, Kansas 214 $ 21,901,000 $ 102,341 $ 0
Monmouth, New Jersey 192 $ 39,731,000 $ 206,932 $ 71,000
Kankakee, Illinois 182 $ 18,179,000 $ 99,884 $ 15,000
Weld, Colorado 181 $ 28,993,000 $ 160,182 $ 0
DeKalb, Georgia 178 $ 24,456,000 $ 137,393 $ 0
Mecklenburg, North Carolina 170 $ 23,816,000 $ 140,094 $ 0
Wake, North Carolina 168 $ 28,224,000 $ 168,000 $ 0
Duval, Florida 167 $ 17,727,000 $ 106,149 $ 21,000
St. Louis, Missouri 156 $ 22,775,000 $ 145,993 $ 28,000
El Paso, Colorado 152 $ 26,730,000 $ 175,855 $ 27,000
Clark, Nevada 144 $ 21,313,000 $ 148,006 $ 52,000
Clay, Missouri 140 $ 18,086,000 $ 129,185 $ 0
Cass, Missouri 130 $ 16,548,000 $ 127,292 $ 0
Guilford, North Carolina 129 $ 16,446,000 $ 127,488 $ 0
Gwinnett, Georgia 123 $ 18,719,000 $ 152,186 $ 0
Shawnee, Kansas 113 $ 11,166,000 $ 98,814 $ 0
Lake, Indiana 104 $ 12,496,000 $ 120,153 $ 29,000
Douglas, Nebraska 96 $ 10,249,000 $ 106,760 $ 0
Pulaski, Arkansas 84 $ 8,991,000 $ 107,035 $ 0
Tazewell, Illinois 78 $ 7,114,000 $ 91,205 $ 0
Fulton, Georgia 76 $ 13,412,000 $ 176,473 $ 33,000
Wyandotte, Kansas 76 $ 6,775,000 $ 89,144 $ 0
Kendall, Illinois 74 $ 12,207,000 $ 164,959 $ 27,000
Milwaukee, Wisconsin 71 $ 10,952,000 $ 154,253 $ 27,000
Waukesha, Wisconsin 66 $ 13,668,000 $ 207,090 $ 0
Dubuque, Iowa 65 $ 5,881,000 $ 90,476 $ 0
Cobb, Georgia 64 $ 10,008,000 $ 156,375 $ 0
Jefferson, Kansas 62 $ 6,338,000 $ 102,225 $ 0
Clayton, Georgia 58 $ 6,797,000 $ 117,189 $ 5,000
Wayne, Michigan 57 $ 7,095,000 $ 124,473 $ 0
Kenosha, Wisconsin 54 $ 8,361,000 $ 154,833 $ 46,000
Scott, Iowa 53 $ 4,859,000 $ 91,679 $ 38,000
Kalamazoo, Michigan 53 $ 4,953,000 $ 93,452 $ 0
Cabarrus, North Carolina 53 $ 6,995,000 $ 131,981 $ 0
Durham, North Carolina 53 $ 6,527,000 $ 123,150 $ 4,000
Dane, Wisconsin 50 $ 10,315,000 $ 206,300 $ 0
Orange, Florida 47 $ 6,483,000 $ 137,936 $ 0
St. Charles, Missouri 47 $ 6,947,000 $ 147,808 $ 0
Henry, Georgia 46 $ 6,168,000 $ 134,086 $ 0
Platte, Missouri 46 $ 6,781,000 $ 147,413 $ 0
Pinal, Arizona 45 $ 6,238,000 $ 138,622 $ 85,000
Charlotte, Florida 45 $ 6,626,000 $ 147,244 $ 0
Ocean, New Jersey 45 $ 7,049,000 $ 156,644 $ 45,000
St. Louis City, Missouri 41 $ 4,665,000 $ 113,780 $ 0
Tulsa, Oklahoma 41 $ 5,109,000 $ 124,609 $ 0
Morris, New Jersey 39 $ 8,032,000 $ 205,948 $ 13,000
Oklahoma, Oklahoma 39 $ 4,516,000 $ 115,794 $ 35,000
Forsyth, North Carolina 37 $ 4,356,000 $ 117,729 $ 0
Union, North Carolina 37 $ 4,920,000 $ 132,972 $ 0
Peoria, Illinois 36 $ 3,213,000 $ 89,250 $ 9,000
Douglas, Kansas 36 $ 4,979,000 $ 138,305 $ 0
Santa Cruz, Arizona 34 $ 3,386,000 $ 99,588 $ 36,000
DeKalb, Illinois 34 $ 4,746,000 $ 139,588 $ 25,000
Iredell, North Carolina 34 $ 4,473,000 $ 131,558 $ 0
Butler, Kansas 33 $ 3,740,000 $ 113,333 $ 0
Camden, New Jersey 33 $ 1,717,000 $ 52,030 $ 22,000
Oakland, Michigan 32 $ 5,232,000 $ 163,500 $ 16,000
Van Buren, Michigan 32 $ 3,696,000 $ 115,500 $ 26,000
Hillsborough, Florida 31 $ 5,110,000 $ 164,838 $ 0
Spartanburg, South Carolina 31 $ 3,415,000 $ 110,161 $ 0
Greene, Missouri 30 $ 3,315,000 $ 110,500 $ 0
Clay, Florida 29 $ 3,417,000 $ 117,827 $ 0
Sarpy, Nebraska 29 $ 3,780,000 $ 130,344 $ 13,000
Leavenworth, Kansas 28 $ 4,231,000 $ 151,107 $ 0
Routt, Colorado 27 $ 5,402,000 $ 200,074 $ 0
Seminole, Florida 27 $ 3,792,000 $ 140,444 $ 11,000
Palm Beach, Florida 26 $ 4,073,000 $ 156,653 $ 24,000
Johnston, North Carolina 26 $ 3,671,000 $ 141,192 $ 0
New Hanover, North Carolina 26 $ 3,959,000 $ 152,269 $ 0
Cherokee, Georgia 25 $ 3,517,000 $ 140,680 $ 0
Saline, Arkansas 23 $ 2,127,000 $ 92,478 $ 0
Boone, Illinois 23 $ 3,059,000 $ 133,000 $ 21,000
Iroquois, Illinois 23 $ 1,842,000 $ 80,086 $ 10,000
Christian, Missouri 23 $ 2,569,000 $ 111,695 $ 0
Essex, New Jersey 23 $ 4,418,000 $ 192,086 $ 39,000
Passaic, New Jersey 23 $ 3,805,000 $ 165,434 $ 0
St. Johns, Florida 22 $ 3,710,000 $ 168,636 $ 28,000
LaSalle, Illinois 22 $ 2,568,000 $ 116,727 $ 20,000
Rowan, North Carolina 22 $ 2,485,000 $ 112,954 $ 0
Fayette, Kentucky 21 $ 2,907,000 $ 138,428 $ 0
Macomb, Michigan 21 $ 2,963,000 $ 141,095 $ 0
Jefferson, Missouri 21 $ 2,833,000 $ 134,904 $ 0
Richland, South Carolina 21 $ 2,375,000 $ 113,095 $ 0
Fairfax, Virginia 20 $ 5,415,000 $ 270,750 $ 0
Brown, Wisconsin 20 $ 3,479,000 $ 173,950 $ 0
Nassau, Florida 19 $ 2,032,000 $ 106,947 $ 0
Middlesex, New Jersey 19 $ 3,665,000 $ 192,894 $ 68,000
Cumberland, North Carolina 19 $ 1,768,000 $ 93,052 $ 0
Madison, Illinois 18 $ 2,764,000 $ 153,555 $ 0
Marion, Indiana 18 $ 1,681,000 $ 93,388 $ 11,000
Camden, Missouri 18 $ 2,776,000 $ 154,222 $ 0
St. Francois, Missouri 18 $ 1,403,000 $ 77,944 $ 0
Faulkner, Arkansas 17 $ 1,640,000 $ 96,470 $ 0
Pottawattamie, Iowa 17 $ 1,647,000 $ 96,882 $ 0
Reno, Kansas 17 $ 1,788,000 $ 105,176 $ 0
Riley, Kansas 17 $ 1,834,000 $ 107,882 $ 0
Calhoun, Michigan 17 $ 1,566,000 $ 92,117 $ 0
Johnson, Missouri 17 $ 1,763,000 $ 103,705 $ 0
Randolph, North Carolina 17 $ 2,229,000 $ 131,117 $ 0
Philadelphia, Pennsylvania 17 $ 752,000 $ 44,235 $ 21,000
York, South Carolina 17 $ 2,017,000 $ 118,647 $ 0
Davidson, Tennessee 17 $ 1,628,000 $ 95,764 $ 3,000
Shelby, Tennessee 17 $ 1,623,000 $ 95,470 $ 0
Mobile, Alabama 16 $ 1,666,000 $ 104,125 $ 0
Brevard, Florida 16 $ 1,409,000 $ 88,062 $ 21,000
Pinellas, Florida 16 $ 1,937,000 $ 121,062 $ 0
Jo Daviess, Illinois 16 $ 1,941,000 $ 121,312 $ 5,000
St. Joseph, Indiana 16 $ 1,090,000 $ 68,125 $ 0
Lafayette, Missouri 16 $ 1,664,000 $ 104,000 $ 0
Lincoln, Missouri 16 $ 1,723,000 $ 107,687 $ 0
Delaware, Pennsylvania 16 $ 1,676,000 $ 104,750 $ 26,000
Walworth, Wisconsin 16 $ 3,392,000 $ 212,000 $ 44,000
Newton, Georgia 15 $ 1,774,000 $ 118,266 $ 0
Walton, Georgia 15 $ 2,284,000 $ 152,266 $ 0
Winnebago, Illinois 15 $ 1,600,000 $ 106,666 $ 14,000
Taney, Missouri 15 $ 1,634,000 $ 108,933 $ 0
Lancaster, Nebraska 15 $ 1,781,000 $ 118,733 $ 0
Buncombe, North Carolina 15 $ 2,071,000 $ 138,066 $ 0
Gaston, North Carolina 15 $ 1,966,000 $ 131,066 $ 0
Onslow, North Carolina 15 $ 2,228,000 $ 148,533 $ 0
Lexington, South Carolina 15 $ 1,609,000 $ 107,266 $ 0
Flagler, Florida 14 $ 1,514,000 $ 108,142 $ 3,000
Volusia, Florida 14 $ 1,940,000 $ 138,571 $ 0
Hamilton, Indiana 14 $ 2,373,000 $ 169,500 $ 33,000
Harvey, Kansas 14 $ 1,490,000 $ 106,428 $ 0
Boone, Missouri 14 $ 2,104,000 $ 150,285 $ 0
Ozaukee, Wisconsin 14 $ 3,219,000 $ 229,928 $ 0
Eagle, Colorado 13 $ 2,303,000 $ 177,153 $ 19,000
Pueblo, Colorado 13 $ 1,332,000 $ 102,461 $ 15,000
Bureau, Illinois 13 $ 1,215,000 $ 93,461 $ 4,000
McLean, Illinois 13 $ 1,846,000 $ 142,000 $ 0
Genesee, Michigan 13 $ 1,919,000 $ 147,615 $ 0
Davidson, North Carolina 13 $ 2,140,000 $ 164,615 $ 0
Cleveland, Oklahoma 13 $ 1,685,000 $ 129,615 $ 0
Martin, Florida 12 $ 2,022,000 $ 168,500 $ 0
Douglas, Georgia 12 $ 1,470,000 $ 122,500 $ 0
Rock Island, Illinois 12 $ 924,000 $ 77,000 $ 23,000
St. Clair, Illinois 12 $ 1,813,000 $ 151,083 $ 0
Elkhart, Indiana 12 $ 998,000 $ 83,166 $ 17,000
Miami, Kansas 12 $ 1,691,000 $ 140,916 $ 0
Montgomery, Kansas 12 $ 1,082,000 $ 90,166 $ 0
Osage, Kansas 12 $ 1,175,000 $ 97,916 $ 0
St. Joseph, Michigan 12 $ 1,048,000 $ 87,333 $ 0
Madison, Missouri 12 $ 734,000 $ 61,166 $ 0
Union, New Jersey 12 $ 2,750,000 $ 229,166 $ 50,000
Chester, Pennsylvania 12 $ 1,977,000 $ 164,750 $ 22,000
Harris, Texas 12 $ 1,748,000 $ 145,666 $ 36,000
Washington, Wisconsin 12 $ 2,459,000 $ 204,916 $ 14,000
Johnson, Arkansas 11 $ 730,000 $ 66,363 $ 0
Elbert, Colorado 11 $ 2,057,000 $ 187,000 $ 0
Summit, Colorado 11 $ 2,341,000 $ 212,818 $ 0
Manatee, Florida 11 $ 1,453,000 $ 132,090 $ 0
Grundy, Illinois 11 $ 1,629,000 $ 148,090 $ 8,000
Jefferson, Kentucky 11 $ 2,155,000 $ 195,909 $ 0
Franklin, Missouri 11 $ 1,332,000 $ 121,090 $ 0
Hudson, New Jersey 11 $ 2,558,000 $ 232,545 $ 24,000
Alamance, North Carolina 11 $ 1,173,000 $ 106,636 $ 0
Franklin, North Carolina 11 $ 1,233,000 $ 112,090 $ 0
Orange, North Carolina 11 $ 2,354,000 $ 214,000 $ 0
Rockingham, North Carolina 11 $ 939,000 $ 85,363 $ 0
Summit, Ohio 11 $ 1,486,000 $ 135,090 $ 0
King, Washington 11 $ 2,757,000 $ 250,636 $ 125,000
Cochise, Arizona 10 $ 1,297,000 $ 129,700 $ 43,000
Lee, Florida 10 $ 1,508,000 $ 150,800 $ 58,000
Polk, Florida 10 $ 1,116,000 $ 111,600 $ 0
Rockdale, Georgia 10 $ 1,294,000 $ 129,400 $ 0
Harper, Kansas 10 $ 582,000 $ 58,200 $ 0
Hunterdon, New Jersey 10 $ 1,813,000 $ 181,300 $ 0
Moore, North Carolina 10 $ 2,166,000 $ 216,600 $ 0
Charleston, South Carolina 10 $ 1,317,000 $ 131,700 $ 0
Nueces, Texas 10 $ 672,000 $ 67,200 $ 0
Outagamie, Wisconsin 10 $ 1,066,000 $ 106,600 $ 0
Coconino, Arizona 9 $ 1,770,000 $ 196,666 $ 70,000
Yavapai, Arizona 9 $ 1,605,000 $ 178,333 $ 71,000
Lonoke, Arkansas 9 $ 1,058,000 $ 117,555 $ 0
Clear Creek, Colorado 9 $ 1,512,000 $ 168,000 $ 0
Mesa, Colorado 9 $ 1,332,000 $ 148,000 $ 0
Leon, Florida 9 $ 943,000 $ 104,777 $ 0
Clarke, Georgia 9 $ 1,049,000 $ 116,555 $ 0
Porter, Indiana 9 $ 938,000 $ 104,222 $ 24,000
Polk, Iowa 9 $ 1,004,000 $ 111,555 $ 0
Finney, Kansas 9 $ 694,000 $ 77,111 $ 0
Franklin, Kansas 9 $ 1,008,000 $ 112,000 $ 0
Allegan, Michigan 9 $ 937,000 $ 104,111 $ 22,000
Bergen, New Jersey 9 $ 2,267,000 $ 251,888 $ 64,000
Canadian, Oklahoma 9 $ 988,000 $ 109,777 $ 0
Greenville, South Carolina 9 $ 1,027,000 $ 114,111 $ 0
Dallas, Texas 9 $ 792,000 $ 88,000 $ 12,000
Webb, Texas 9 $ 1,013,000 $ 112,555 $ 0
Virginia Beach, Virginia 9 $ 1,287,000 $ 143,000 $ 0
Jefferson, Alabama 8 $ 1,046,000 $ 130,750 $ 0
Yuma, Arizona 8 $ 848,000 $ 106,000 $ 48,000
Boone, Arkansas 8 $ 902,000 $ 112,750 $ 0
Grand, Colorado 8 $ 1,505,000 $ 188,125 $ 0
Park, Colorado 8 $ 1,050,000 $ 131,250 $ 0
Teller, Colorado 8 $ 1,561,000 $ 195,125 $ 0
Sarasota, Florida 8 $ 1,510,000 $ 188,750 $ 0
Forsyth, Georgia 8 $ 1,351,000 $ 168,875 $ 0
Sumner, Kansas 8 $ 919,000 $ 114,875 $ 0
Boone, Kentucky 8 $ 1,366,000 $ 170,750 $ 28,000
Somerset, New Jersey 8 $ 1,880,000 $ 235,000 $ 0
Brunswick, North Carolina 8 $ 1,025,000 $ 128,125 $ 0
Davie, North Carolina 8 $ 1,187,000 $ 148,375 $ 0
Granville, North Carolina 8 $ 1,193,000 $ 149,125 $ 0
Creek, Oklahoma 8 $ 666,000 $ 83,250 $ 0
Rogers, Oklahoma 8 $ 1,121,000 $ 140,125 $ 0
Collin, Texas 8 $ 1,274,000 $ 159,250 $ 0
Columbia, Wisconsin 8 $ 1,017,000 $ 127,125 $ 0
Fond du Lac, Wisconsin 8 $ 1,902,000 $ 237,750 $ 7,000
Sebastian, Arkansas 7 $ 613,000 $ 87,571 $ 0
Alachua, Florida 7 $ 931,000 $ 133,000 $ 0
Broward, Florida 7 $ 1,054,000 $ 150,571 $ 47,000
Collier, Florida 7 $ 1,309,000 $ 187,000 $ 66,000
Chatham, Georgia 7 $ 821,000 $ 117,285 $ 0
Fayette, Georgia 7 $ 1,549,000 $ 221,285 $ 0
Livingston, Illinois 7 $ 551,000 $ 78,714 $ 0
Marshall, Illinois 7 $ 582,000 $ 83,142 $ 0
Kenton, Kentucky 7 $ 796,000 $ 113,714 $ 0
Buchanan, Missouri 7 $ 668,000 $ 95,428 $ 0
Clinton, Missouri 7 $ 880,000 $ 125,714 $ 0
Henry, Missouri 7 $ 737,000 $ 105,285 $ 0
Ray, Missouri 7 $ 826,000 $ 118,000 $ 0
Warren, Missouri 7 $ 887,000 $ 126,714 $ 0
Washington, Nebraska 7 $ 994,000 $ 142,000 $ 0
Lincoln, North Carolina 7 $ 758,000 $ 108,285 $ 0
Cuyahoga, Ohio 7 $ 766,000 $ 109,428 $ 0
Aiken, South Carolina 7 $ 926,000 $ 132,285 $ 0
Hamilton, Tennessee 7 $ 672,000 $ 96,000 $ 0
Williamson, Tennessee 7 $ 963,000 $ 137,571 $ 0
Grayson, Texas 7 $ 513,000 $ 73,285 $ 0
Oneida, Wisconsin 7 $ 1,159,000 $ 165,571 $ 42,000
Navajo, Arizona 6 $ 421,000 $ 70,166 $ 43,000
Benton, Arkansas 6 $ 931,000 $ 155,166 $ 0
White, Arkansas 6 $ 503,000 $ 83,833 $ 0
Pasco, Florida 6 $ 720,000 $ 120,000 $ 0
Bibb, Georgia 6 $ 573,000 $ 95,500 $ 0
Paulding, Georgia 6 $ 663,000 $ 110,500 $ 0
Spalding, Georgia 6 $ 769,000 $ 128,166 $ 0
Henry, Illinois 6 $ 331,000 $ 55,166 $ 17,000
Mason, Illinois 6 $ 427,000 $ 71,166 $ 0
Madison, Indiana 6 $ 661,000 $ 110,166 $ 0
Meade, Kentucky 6 $ 547,000 $ 91,166 $ 0
Montgomery, Maryland 6 $ 1,440,000 $ 240,000 $ 0
Chisago, Minnesota 6 $ 1,425,000 $ 237,500 $ 0
Hennepin, Minnesota 6 $ 1,179,000 $ 196,500 $ 10,000
Pettis, Missouri 6 $ 416,000 $ 69,333 $ 0
Burlington, New Jersey 6 $ 952,000 $ 158,666 $ 28,000
Carteret, North Carolina 6 $ 1,153,000 $ 192,166 $ 0
Chatham, North Carolina 6 $ 811,000 $ 135,166 $ 0
Stanly, North Carolina 6 $ 540,000 $ 90,000 $ 0
Wilson, North Carolina 6 $ 536,000 $ 89,333 $ 0
Anderson, South Carolina 6 $ 518,000 $ 86,333 $ 0
Cherokee, South Carolina 6 $ 460,000 $ 76,666 $ 0
Bexar, Texas 6 $ 840,000 $ 140,000 $ 0
Tarrant, Texas 6 $ 679,000 $ 113,166 $ 0
Marathon, Wisconsin 6 $ 995,000 $ 165,833 $ 0
La Plata, Colorado 5 $ 863,000 $ 172,600 $ 0
Citrus, Florida 5 $ 466,000 $ 93,200 $ 0
Gulf, Florida 5 $ 502,000 $ 100,400 $ 0
Lake, Florida 5 $ 583,000 $ 116,600 $ 0
Coweta, Georgia 5 $ 587,000 $ 117,400 $ 0
Hall, Georgia 5 $ 701,000 $ 140,200 $ 0
Whiteside, Illinois 5 $ 405,000 $ 81,000 $ 0
Woodford, Illinois 5 $ 639,000 $ 127,800 $ 0
LaPorte, Indiana 5 $ 693,000 $ 138,600 $ 64,000
Geary, Kansas 5 $ 478,000 $ 95,600 $ 10,000
McPherson, Kansas 5 $ 615,000 $ 123,000 $ 0
Hardin, Kentucky 5 $ 558,000 $ 111,600 $ 0
Worcester, Massachusetts 5 $ 669,000 $ 133,800 $ 0
Berrien, Michigan 5 $ 488,000 $ 97,600 $ 0
Kent, Michigan 5 $ 517,000 $ 103,400 $ 0
Ramsey, Minnesota 5 $ 1,017,000 $ 203,400 $ 70,000
Bates, Missouri 5 $ 445,000 $ 89,000 $ 0
Stone, Missouri 5 $ 616,000 $ 123,200 $ 0
Dodge, Nebraska 5 $ 473,000 $ 94,600 $ 0
Sussex, New Jersey 5 $ 1,087,000 $ 217,400 $ 0
Bernalillo, New Mexico 5 $ 609,000 $ 121,800 $ 0
Catawba, North Carolina 5 $ 655,000 $ 131,000 $ 0
Nash, North Carolina 5 $ 512,000 $ 102,400 $ 0
Grady, Oklahoma 5 $ 471,000 $ 94,200 $ 0
McClain, Oklahoma 5 $ 605,000 $ 121,000 $ 0
Horry, South Carolina 5 $ 644,000 $ 128,800 $ 0
Orangeburg, South Carolina 5 $ 451,000 $ 90,200 $ 0
Chesapeake, Virginia 5 $ 639,000 $ 127,800 $ 0
Loudoun, Virginia 5 $ 1,118,000 $ 223,600 $ 0
Norfolk, Virginia 5 $ 710,000 $ 142,000 $ 0
Prince William, Virginia 5 $ 963,000 $ 192,600 $ 0
Racine, Wisconsin 5 $ 667,000 $ 133,400 $ 32,000
Sheboygan, Wisconsin 5 $ 957,000 $ 191,400 $ 0
Laramie, Wyoming 5 $ 621,000 $ 124,200 $ 0
Baldwin, Alabama 4 $ 546,000 $ 136,500 $ 0
Craighead, Arkansas 4 $ 455,000 $ 113,750 $ 0
Jefferson, Arkansas 4 $ 379,000 $ 94,750 $ 0
Logan, Arkansas 4 $ 280,000 $ 70,000 $ 0
Fremont, Colorado 4 $ 586,000 $ 146,500 $ 0
Garfield, Colorado 4 $ 945,000 $ 236,250 $ 0
Gilpin, Colorado 4 $ 632,000 $ 158,000 $ 0
Okaloosa, Florida 4 $ 344,000 $ 86,000 $ 0
Putnam, Florida 4 $ 362,000 $ 90,500 $ 0
Santa Rosa, Florida 4 $ 275,000 $ 68,750 $ 0
Putnam, Georgia 4 $ 535,000 $ 133,750 $ 0
Champaign, Illinois 4 $ 474,000 $ 118,500 $ 0
Fulton, Illinois 4 $ 262,000 $ 65,500 $ 0
Sangamon, Illinois 4 $ 502,000 $ 125,500 $ 0
Allen, Indiana 4 $ 700,000 $ 175,000 $ 0
Delaware, Indiana 4 $ 353,000 $ 88,250 $ 0
Johnson, Indiana 4 $ 748,000 $ 187,000 $ 0
Doniphan, Kansas 4 $ 493,000 $ 123,250 $ 0
Jackson, Kansas 4 $ 605,000 $ 151,250 $ 0
Madison, Kentucky 4 $ 400,000 $ 100,000 $ 0
Cass, Michigan 4 $ 460,000 $ 115,000 $ 0
Ingham, Michigan 4 $ 419,000 $ 104,750 $ 0
Ottawa, Michigan 4 $ 489,000 $ 122,250 $ 0
Jasper, Missouri 4 $ 277,000 $ 69,250 $ 0
Newton, Missouri 4 $ 429,000 $ 107,250 $ 0
Perry, Missouri 4 $ 162,000 $ 40,500 $ 0
Madison, Nebraska 4 $ 369,000 $ 92,250 $ 0
Gloucester, New Jersey 4 $ 520,000 $ 130,000 $ 8,000
Duplin, North Carolina 4 $ 332,000 $ 83,000 $ 0
Lee, North Carolina 4 $ 519,000 $ 129,750 $ 0
Pender, North Carolina 4 $ 671,000 $ 167,750 $ 0
Vance, North Carolina 4 $ 388,000 $ 97,000 $ 0
Wayne, North Carolina 4 $ 335,000 $ 83,750 $ 0
Lincoln, Oklahoma 4 $ 329,000 $ 82,250 $ 0
Okmulgee, Oklahoma 4 $ 458,000 $ 114,500 $ 0
Dauphin, Pennsylvania 4 $ 437,000 $ 109,250 $ 0
Montgomery, Pennsylvania 4 $ 570,000 $ 142,500 $ 0
Newberry, South Carolina 4 $ 206,000 $ 51,500 $ 0
Cameron, Texas 4 $ 356,000 $ 89,000 $ 0
Liberty, Texas 4 $ 407,000 $ 101,750 $ 0
Arlington, Virginia 4 $ 583,000 $ 145,750 $ 0
Henry, Virginia 4 $ 480,000 $ 120,000 $ 0
St. Croix, Wisconsin 4 $ 610,000 $ 152,500 $ 0
Winnebago, Wisconsin 4 $ 418,000 $ 104,500 $ 0
Shelby, Alabama 3 $ 516,000 $ 172,000 $ 0
Clark, Arkansas 3 $ 397,000 $ 132,333 $ 0
Garland, Arkansas 3 $ 212,000 $ 70,666 $ 0
Washington, Arkansas 3 $ 406,000 $ 135,333 $ 0
Morgan, Colorado 3 $ 318,000 $ 106,000 $ 0
DeSoto, Florida 3 $ 599,000 $ 199,666 $ 74,000
Escambia, Florida 3 $ 374,000 $ 124,666 $ 0
Miami-Dade, Florida 3 $ 362,000 $ 120,666 $ 26,000
St. Lucie, Florida 3 $ 483,000 $ 161,000 $ 0
Butts, Georgia 3 $ 287,000 $ 95,666 $ 0
Houston, Georgia 3 $ 337,000 $ 112,333 $ 0
Morgan, Georgia 3 $ 620,000 $ 206,666 $ 0
Muscogee, Georgia 3 $ 223,000 $ 74,333 $ 0
Monroe, Illinois 3 $ 506,000 $ 168,666 $ 0
Ogle, Illinois 3 $ 278,000 $ 92,666 $ 0
Stephenson, Illinois 3 $ 317,000 $ 105,666 $ 0
Hendricks, Indiana 3 $ 541,000 $ 180,333 $ 0
Black Hawk, Iowa 3 $ 411,000 $ 137,000 $ 0
Johnson, Iowa 3 $ 279,000 $ 93,000 $ 0
Muscatine, Iowa 3 $ 368,000 $ 122,666 $ 35,000
Atchison, Kansas 3 $ 169,000 $ 56,333 $ 0
Ford, Kansas 3 $ 216,000 $ 72,000 $ 0
Kiowa, Kansas 3 $ 242,000 $ 80,666 $ 0
Lyon, Kansas 3 $ 246,000 $ 82,000 $ 0
Pottawatomie, Kansas 3 $ 298,000 $ 99,333 $ 26,000
Saline, Kansas 3 $ 345,000 $ 115,000 $ 0
St. Tammany, Louisiana 3 $ 285,000 $ 95,000 $ 0
Barry, Michigan 3 $ 382,000 $ 127,333 $ 0
Livingston, Michigan 3 $ 434,000 $ 144,666 $ 0
Dakota, Minnesota 3 $ 604,000 $ 201,333 $ 56,000
Scott, Minnesota 3 $ 803,000 $ 267,666 $ 0
Washington, Minnesota 3 $ 391,000 $ 130,333 $ 0
Benton, Missouri 3 $ 292,000 $ 97,333 $ 0
Gasconade, Missouri 3 $ 293,000 $ 97,666 $ 0
Phelps, Missouri 3 $ 217,000 $ 72,333 $ 0
Washington, Missouri 3 $ 182,000 $ 60,666 $ 0
Saline, Nebraska 3 $ 210,000 $ 70,000 $ 0
Warren, New Jersey 3 $ 622,000 $ 207,333 $ 0
Alexander, North Carolina 3 $ 334,000 $ 111,333 $ 0
Hoke, North Carolina 3 $ 256,000 $ 85,333 $ 0
Lenoir, North Carolina 3 $ 259,000 $ 86,333 $ 0
Person, North Carolina 3 $ 352,000 $ 117,333 $ 0
Watauga, North Carolina 3 $ 433,000 $ 144,333 $ 0
Hamilton, Ohio 3 $ 581,000 $ 193,666 $ 0
Logan, Oklahoma 3 $ 377,000 $ 125,666 $ 0
Pottawatomie, Oklahoma 3 $ 276,000 $ 92,000 $ 0
Monroe, Pennsylvania 3 $ 505,000 $ 168,333 $ 0
York, Pennsylvania 3 $ 490,000 $ 163,333 $ 0
Beaufort, South Carolina 3 $ 792,000 $ 264,000 $ 0
Georgetown, South Carolina 3 $ 684,000 $ 228,000 $ 0
Lancaster, South Carolina 3 $ 402,000 $ 134,000 $ 0
Snohomish, Washington 3 $ 537,000 $ 179,000 $ 0
Eau Claire, Wisconsin 3 $ 473,000 $ 157,666 $ 0
Jefferson, Wisconsin 3 $ 431,000 $ 143,666 $ 0
Polk, Wisconsin 3 $ 424,000 $ 141,333 $ 0
Rock, Wisconsin 3 $ 386,000 $ 128,666 $ 18,000
Shawano, Wisconsin 3 $ 284,000 $ 94,666 $ 0
Vilas, Wisconsin 3 $ 415,000 $ 138,333 $ 46,000
Albany, Wyoming 3 $ 285,000 $ 95,000 $ 0
Coosa, Alabama 2 $ 212,000 $ 106,000 $ 0
Escambia, Alabama 2 $ 161,000 $ 80,500 $ 0
Lee, Alabama 2 $ 218,000 $ 109,000 $ 0
Russell, Alabama 2 $ 237,000 $ 118,500 $ 0
Walker, Alabama 2 $ 129,000 $ 64,500 $ 0
Carroll, Arkansas 2 $ 367,000 $ 183,500 $ 0
Cleveland, Arkansas 2 $ 285,000 $ 142,500 $ 0
Conway, Arkansas 2 $ 186,000 $ 93,000 $ 0
Franklin, Arkansas 2 $ 108,000 $ 54,000 $ 0
Fulton, Arkansas 2 $ 271,000 $ 135,500 $ 0
Jackson, Arkansas 2 $ 119,000 $ 59,500 $ 0
Miller, Arkansas 2 $ 184,000 $ 92,000 $ 0
Newton, Arkansas 2 $ 165,000 $ 82,500 $ 0
Pope, Arkansas 2 $ 156,000 $ 78,000 $ 0
Stone, Arkansas 2 $ 194,000 $ 97,000 $ 0
Yell, Arkansas 2 $ 213,000 $ 106,500 $ 0
Chaffee, Colorado 2 $ 347,000 $ 173,500 $ 0
Delta, Colorado 2 $ 374,000 $ 187,000 $ 29,000
Gunnison, Colorado 2 $ 179,000 $ 89,500 $ 0
Lake, Colorado 2 $ 256,000 $ 128,000 $ 0
Logan, Colorado 2 $ 130,000 $ 65,000 $ 0
Montrose, Colorado 2 $ 255,000 $ 127,500 $ 0
Pitkin, Colorado 2 $ 436,000 $ 218,000 $ 0
Washington, Colorado 2 $ 272,000 $ 136,000 $ 0
New Castle, Delaware 2 $ 453,000 $ 226,500 $ 0
Indian River, Florida 2 $ 348,000 $ 174,000 $ 0
Marion, Florida 2 $ 135,000 $ 67,500 $ 0
Osceola, Florida 2 $ 437,000 $ 218,500 $ 0
Bartow, Georgia 2 $ 309,000 $ 154,500 $ 0
Carroll, Georgia 2 $ 217,000 $ 108,500 $ 0
Dawson, Georgia 2 $ 476,000 $ 238,000 $ 0
Gilmer, Georgia 2 $ 301,000 $ 150,500 $ 0
Haralson, Georgia 2 $ 212,000 $ 106,000 $ 0
Pickens, Georgia 2 $ 141,000 $ 70,500 $ 0
Richmond, Georgia 2 $ 140,000 $ 70,000 $ 0
Lee, Illinois 2 $ 371,000 $ 185,500 $ 0
Hancock, Indiana 2 $ 412,000 $ 206,000 $ 47,000
Howard, Indiana 2 $ 161,000 $ 80,500 $ 0
Jasper, Indiana 2 $ 223,000 $ 111,500 $ 47,000
Kosciusko, Indiana 2 $ 179,000 $ 89,500 $ 0
LaGrange, Indiana 2 $ 212,000 $ 106,000 $ 0
Randolph, Indiana 2 $ 190,000 $ 95,000 $ 0
Delaware, Iowa 2 $ 121,000 $ 60,500 $ 0
Jackson, Iowa 2 $ 163,000 $ 81,500 $ 0
Bourbon, Kansas 2 $ 335,000 $ 167,500 $ 0
Cowley, Kansas 2 $ 276,000 $ 138,000 $ 0
Crawford, Kansas 2 $ 110,000 $ 55,000 $ 0
Labette, Kansas 2 $ 94,000 $ 47,000 $ 0
Linn, Kansas 2 $ 264,000 $ 132,000 $ 0
Wilson, Kansas 2 $ 104,000 $ 52,000 $ 0
Campbell, Kentucky 2 $ 240,000 $ 120,000 $ 0
Clark, Kentucky 2 $ 332,000 $ 166,000 $ 0
Anne Arundel, Maryland 2 $ 570,000 $ 285,000 $ 0
Baltimore City, Maryland 2 $ 478,000 $ 239,000 $ 0
Prince George's, Maryland 2 $ 455,000 $ 227,500 $ 0
Middlesex, Massachusetts 2 $ 588,000 $ 294,000 $ 0
Branch, Michigan 2 $ 169,000 $ 84,500 $ 0
Grand Traverse, Michigan 2 $ 444,000 $ 222,000 $ 60,000
Lapeer, Michigan 2 $ 328,000 $ 164,000 $ 0
Monroe, Michigan 2 $ 193,000 $ 96,500 $ 0
Saginaw, Michigan 2 $ 240,000 $ 120,000 $ 0
St. Clair, Michigan 2 $ 297,000 $ 148,500 $ 0
Washtenaw, Michigan 2 $ 511,000 $ 255,500 $ 0
Barry, Missouri 2 $ 182,000 $ 91,000 $ 0
Barton, Missouri 2 $ 379,000 $ 189,500 $ 0
Callaway, Missouri 2 $ 220,000 $ 110,000 $ 0
Cedar, Missouri 2 $ 140,000 $ 70,000 $ 0
Dallas, Missouri 2 $ 173,000 $ 86,500 $ 0
Douglas, Missouri 2 $ 111,000 $ 55,500 $ 0
Iron, Missouri 2 $ 122,000 $ 61,000 $ 0
Laclede, Missouri 2 $ 132,000 $ 66,000 $ 0
Livingston, Missouri 2 $ 232,000 $ 116,000 $ 0
Marion, Missouri 2 $ 175,000 $ 87,500 $ 25,000
Miller, Missouri 2 $ 131,000 $ 65,500 $ 0
Montgomery, Missouri 2 $ 123,000 $ 61,500 $ 0
Pike, Missouri 2 $ 192,000 $ 96,000 $ 0
Saline, Missouri 2 $ 143,000 $ 71,500 $ 0
Cass, Nebraska 2 $ 428,000 $ 214,000 $ 0
Hall, Nebraska 2 $ 156,000 $ 78,000 $ 0
Otoe, Nebraska 2 $ 224,000 $ 112,000 $ 0
Platte, Nebraska 2 $ 187,000 $ 93,500 $ 0
Cape May, New Jersey 2 $ 444,000 $ 222,000 $ 0
Torrance, New Mexico 2 $ 481,000 $ 240,500 $ 60,000
Burke, North Carolina 2 $ 261,000 $ 130,500 $ 0
Cleveland, North Carolina 2 $ 138,000 $ 69,000 $ 0
Currituck, North Carolina 2 $ 270,000 $ 135,000 $ 0
Edgecombe, North Carolina 2 $ 114,000 $ 57,000 $ 0
Martin, North Carolina 2 $ 134,000 $ 67,000 $ 0
Scotland, North Carolina 2 $ 225,000 $ 112,500 $ 0
Warren, North Carolina 2 $ 185,000 $ 92,500 $ 0
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Mortgage Loan Application Detail Totals for Westamerica Mortgage Company in 2003

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 (home purchase or home improvement, one-to-four family) 15,617 $2,528,825,000 $154,416 $1,500,000 $10,555 $887,000
Home Purchase (one-to-four family) 6,189 $926,772,000 $143,764 $980,000 $22,205 $540,000
Multifamily dwelling (home purchase, home improvement, and refinancings) 0 $0 $0 $0 $0 $0
Home Improvement (one-to-four family) 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 applicable 17,437 $2,774,444,000 $152,297 $1,500,000 $54 $96,000
White 3,080 $514,694,000 $197,166 $1,440,000 $108,000 $628,000
Hispanic 655 $82,130,000 $108,833 $600,000 $42,833 $540,000
Black 518 $64,348,000 $105,571 $900,000 $46,857 $887,000
Asian or Pacific Islander 107 $18,301,000 $133,500 $538,000 $55,666 $264,000
Other 8 $1,560,000 $193,750 $358,000 $57,500 $184,000
American Indian or Alaskan Native 1 $120,000 $120,000 $120,000 $50,000 $50,000
Information not provided by applicant in mail or telephone application 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) 16,473 $2,791,531,000 $164,692 $1,500,000 $21,384 $887,000
FHA-insured (Federal Housing Administration) 4,929 $610,390,000 $104,444 $347,000 $8,851 $372,000
VA-guaranteed (Veterans Administration) 404 $53,676,000 $126,409 $293,000 $12,818 $120,000
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 Purchased By The Institution 17,432 $2,773,492,000 $152,324 $1,500,000 $0 $0
Loan Originated 3,339 $529,374,000 $168,000 $1,440,000 $95,409 $628,000
Application Withdrawn By Applicant 803 $121,916,000 $171,368 $1,000,000 $72,105 $887,000
Application Denied By Financial Institution 119 $16,791,000 $120,700 $900,000 $60,000 $255,000
File Closed For Incompleteness 96 $11,955,000 $133,125 $331,000 $68,750 $221,000
Application Approved But Not Accepted 17 $2,069,000 $115,000 $257,000 $48,000 $105,000

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 0 $0 $0 $0 $0 $0
Credit Application Incomplete 0 $0 $0 $0 $0 $0
Credit History 0 $0 $0 $0 $0 $0
Debt-To-Income Ratio 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
Other 0 $0 $0 $0 $0 $0
Unverifiable Information 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Westamerica Mortgage Company's 2003 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 Westamerica Mortgage Company'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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