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records Westamerica Mortgage Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Chicago, IL | 9,409 | $ 1,641,995,000 | $ 174,513 | $ 42,000 |
| Denver, CO | 1,899 | $ 356,360,000 | $ 187,656 | $ 31,000 |
| Kansas City, MO-KS | 935 | $ 117,126,000 | $ 125,268 | $ 0 |
| Phoenix-Mesa, AZ | 669 | $ 116,179,000 | $ 173,660 | $ 61,000 |
| Atlanta, GA | 661 | $ 95,619,000 | $ 144,658 | $ 3,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 304 | $ 40,940,000 | $ 134,671 | $ 0 |
| St. Louis, MO-IL | 299 | $ 41,162,000 | $ 137,665 | $ 7,000 |
| Boulder-Longmont, CO | 286 | $ 61,660,000 | $ 215,594 | $ 5,000 |
| Raleigh-Durham-Chapel Hill, NC | 275 | $ 42,820,000 | $ 155,709 | $ 1,000 |
| Fort Collins-Loveland, CO | 266 | $ 48,233,000 | $ 181,327 | $ 4,000 |
| Wichita, KS | 261 | $ 27,131,000 | $ 103,950 | $ 0 |
| Jacksonville, FL | 237 | $ 26,886,000 | $ 113,443 | $ 14,000 |
| Monmouth-Ocean, NJ | 237 | $ 46,780,000 | $ 197,383 | $ 62,000 |
| Tucson, AZ | 226 | $ 22,425,000 | $ 99,225 | $ 35,000 |
| Greensboro--Winston-Salem--High Point, NC | 216 | $ 27,622,000 | $ 127,879 | $ 0 |
| Kankakee, IL | 182 | $ 18,179,000 | $ 99,884 | $ 15,000 |
| Greeley, CO | 181 | $ 28,993,000 | $ 160,182 | $ 0 |
| Milwaukee-Waukesha, WI | 163 | $ 30,298,000 | $ 185,877 | $ 16,000 |
| Colorado Springs, CO | 152 | $ 26,730,000 | $ 175,855 | $ 27,000 |
| Las Vegas, NV-AZ | 145 | $ 21,444,000 | $ 147,889 | $ 52,000 |
| Omaha, NE-IA | 134 | $ 15,451,000 | $ 115,305 | $ 4,000 |
| Little Rock-North Little Rock, AR | 133 | $ 13,816,000 | $ 103,879 | $ 0 |
| Peoria-Pekin, IL | 119 | $ 10,966,000 | $ 92,151 | $ 4,000 |
| Detroit, MI | 116 | $ 16,108,000 | $ 138,862 | $ 3,000 |
| Gary, IN | 113 | $ 13,434,000 | $ 118,884 | $ 28,000 |
| Topeka, KS | 113 | $ 11,166,000 | $ 98,814 | $ 0 |
| Kalamazoo-Battle Creek, MI | 102 | $ 10,215,000 | $ 100,147 | $ 10,000 |
| Newark, NJ | 82 | $ 16,909,000 | $ 206,207 | $ 30,000 |
| Orlando, FL | 81 | $ 11,295,000 | $ 139,444 | $ 3,000 |
| Oklahoma City, OK | 72 | $ 8,447,000 | $ 117,319 | $ 13,000 |
| Dubuque, IA | 65 | $ 5,881,000 | $ 90,476 | $ 0 |
| Tulsa, OK | 57 | $ 6,896,000 | $ 120,982 | $ 0 |
| Kenosha, WI | 54 | $ 8,361,000 | $ 154,833 | $ 46,000 |
| Springfield, MO | 54 | $ 5,941,000 | $ 110,018 | $ 0 |
| Tampa-St. Petersburg-Clearwater, FL | 54 | $ 7,825,000 | $ 144,907 | $ 0 |
| Davenport-Moline-Rock Island, IA-IL | 53 | $ 4,859,000 | $ 91,679 | $ 38,000 |
| Greenville-Spartanburg-Anderson, SC | 53 | $ 5,512,000 | $ 104,000 | $ 0 |
| Philadelphia, PA-NJ | 51 | $ 5,310,000 | $ 104,117 | $ 20,000 |
| Madison, WI | 50 | $ 10,315,000 | $ 206,300 | $ 0 |
| Indianapolis, IN | 49 | $ 6,768,000 | $ 138,122 | $ 14,000 |
| Punta Gorda, FL | 45 | $ 6,626,000 | $ 147,244 | $ 0 |
| Rockford, IL | 41 | $ 4,937,000 | $ 120,414 | $ 17,000 |
| Middlesex-Somerset-Hunterdon, NJ | 37 | $ 7,358,000 | $ 198,864 | $ 26,000 |
| Columbia, SC | 36 | $ 3,984,000 | $ 110,666 | $ 0 |
| Lawrence, KS | 36 | $ 4,979,000 | $ 138,305 | $ 0 |
| Wilmington, NC | 34 | $ 4,984,000 | $ 146,588 | $ 0 |
| Bergen-Passaic, NJ | 32 | $ 6,072,000 | $ 189,750 | $ 35,000 |
| Lexington, KY | 30 | $ 4,355,000 | $ 145,166 | $ 0 |
| Nashville, TN | 29 | $ 3,225,000 | $ 111,206 | $ 1,000 |
| Daytona Beach, FL | 28 | $ 3,454,000 | $ 123,357 | $ 2,000 |
| Minneapolis-St. Paul, MN-WI | 27 | $ 5,598,000 | $ 207,333 | $ 17,000 |
| Norfolk-Virginia Beach-Newport News, VA-NC | 26 | $ 3,650,000 | $ 140,384 | $ 0 |
| West Palm Beach-Boca Raton, FL | 26 | $ 4,073,000 | $ 156,653 | $ 24,000 |
| Dallas, TX | 21 | $ 2,464,000 | $ 117,333 | $ 4,000 |
| Green Bay, WI | 20 | $ 3,479,000 | $ 173,950 | $ 0 |
| Mobile, AL | 20 | $ 2,212,000 | $ 110,600 | $ 0 |
| Fayetteville, NC | 19 | $ 1,768,000 | $ 93,052 | $ 0 |
| Houston, TX | 19 | $ 2,521,000 | $ 132,684 | $ 18,000 |
| Sarasota-Bradenton, FL | 19 | $ 2,963,000 | $ 155,947 | $ 0 |
| Grand Rapids-Muskegon-Holland, MI | 18 | $ 1,943,000 | $ 107,944 | $ 10,000 |
| Memphis, TN-AR-MS | 17 | $ 1,623,000 | $ 95,470 | $ 0 |
| Appleton-Oshkosh-Neenah, WI | 16 | $ 1,662,000 | $ 103,875 | $ 0 |
| Melbourne-Titusville-Palm Bay, FL | 16 | $ 1,409,000 | $ 88,062 | $ 21,000 |
| South Bend, IN | 16 | $ 1,090,000 | $ 68,125 | $ 0 |
| Asheville, NC | 15 | $ 2,071,000 | $ 138,066 | $ 0 |
| Fort Pierce-Port St. Lucie, FL | 15 | $ 2,505,000 | $ 167,000 | $ 0 |
| Jacksonville, NC | 15 | $ 2,228,000 | $ 148,533 | $ 0 |
| Lincoln, NE | 15 | $ 1,781,000 | $ 118,733 | $ 0 |
| Columbia, MO | 14 | $ 2,104,000 | $ 150,285 | $ 0 |
| Seattle-Bellevue-Everett, WA | 14 | $ 3,294,000 | $ 235,285 | $ 75,000 |
| Akron, OH | 13 | $ 1,723,000 | $ 132,538 | $ 0 |
| Bloomington-Normal, IL | 13 | $ 1,846,000 | $ 142,000 | $ 0 |
| Flint, MI | 13 | $ 1,919,000 | $ 147,615 | $ 0 |
| Pueblo, CO | 13 | $ 1,332,000 | $ 102,461 | $ 15,000 |
| Corpus Christi, TX | 12 | $ 782,000 | $ 65,166 | $ 0 |
| Elkhart-Goshen, IN | 12 | $ 998,000 | $ 83,166 | $ 17,000 |
| Birmingham, AL | 11 | $ 1,562,000 | $ 142,000 | $ 0 |
| Charleston-North Charleston, SC | 11 | $ 1,363,000 | $ 123,909 | $ 0 |
| Des Moines, IA | 11 | $ 1,368,000 | $ 124,363 | $ 0 |
| Hickory-Morganton-Lenoir, NC | 11 | $ 1,435,000 | $ 130,454 | $ 0 |
| Jersey City, NJ | 11 | $ 2,558,000 | $ 232,545 | $ 24,000 |
| Louisville, KY-IN | 11 | $ 2,155,000 | $ 195,909 | $ 0 |
| Athens, GA | 10 | $ 1,167,000 | $ 116,700 | $ 0 |
| Cleveland-Lorain-Elyria, OH | 10 | $ 1,236,000 | $ 123,600 | $ 0 |
| Fort Myers-Cape Coral, FL | 10 | $ 1,508,000 | $ 150,800 | $ 58,000 |
| Lakeland-Winter Haven, FL | 10 | $ 1,116,000 | $ 111,600 | $ 0 |
| Macon, GA | 10 | $ 1,007,000 | $ 100,700 | $ 0 |
| Fayetteville-Springdale-Rogers, AR | 9 | $ 1,337,000 | $ 148,555 | $ 0 |
| Flagstaff, AZ-UT | 9 | $ 1,770,000 | $ 196,666 | $ 70,000 |
| Grand Junction, CO | 9 | $ 1,332,000 | $ 148,000 | $ 0 |
| Laredo, TX | 9 | $ 1,013,000 | $ 112,555 | $ 0 |
| San Antonio, TX | 9 | $ 1,229,000 | $ 136,555 | $ 0 |
| Tallahassee, FL | 9 | $ 943,000 | $ 104,777 | $ 0 |
| Joplin, MO | 8 | $ 706,000 | $ 88,250 | $ 0 |
| Savannah, GA | 8 | $ 915,000 | $ 114,375 | $ 0 |
| St. Joseph, MO | 8 | $ 839,000 | $ 104,875 | $ 0 |
| Yuma, AZ | 8 | $ 848,000 | $ 106,000 | $ 48,000 |
| Chattanooga, TN-GA | 7 | $ 672,000 | $ 96,000 | $ 0 |
| Fort Lauderdale, FL | 7 | $ 1,054,000 | $ 150,571 | $ 47,000 |
| Fort Smith, AR-OK | 7 | $ 613,000 | $ 87,571 | $ 0 |
| Gainesville, FL | 7 | $ 931,000 | $ 133,000 | $ 0 |
| Harrisburg-Lebanon-Carlisle, PA | 7 | $ 1,266,000 | $ 180,857 | $ 0 |
| Naples, FL | 7 | $ 1,309,000 | $ 187,000 | $ 66,000 |
| Pensacola, FL | 7 | $ 649,000 | $ 92,714 | $ 0 |
| Rocky Mount, NC | 7 | $ 626,000 | $ 89,428 | $ 0 |
| Sherman-Denison, TX | 7 | $ 513,000 | $ 73,285 | $ 0 |
| Fort Worth-Arlington, TX | 6 | $ 679,000 | $ 113,166 | $ 0 |
| Wausau, WI | 6 | $ 995,000 | $ 165,833 | $ 0 |
| Albuquerque, NM | 5 | $ 609,000 | $ 121,800 | $ 0 |
| Ann Arbor, MI | 5 | $ 945,000 | $ 189,000 | $ 0 |
| Baltimore, MD | 5 | $ 1,269,000 | $ 253,800 | $ 0 |
| Benton Harbor, MI | 5 | $ 488,000 | $ 97,600 | $ 0 |
| Cheyenne, WY | 5 | $ 621,000 | $ 124,200 | $ 0 |
| Eau Claire, WI | 5 | $ 683,000 | $ 136,600 | $ 0 |
| Fort Wayne, IN | 5 | $ 969,000 | $ 193,800 | $ 43,000 |
| Myrtle Beach, SC | 5 | $ 644,000 | $ 128,800 | $ 0 |
| Racine, WI | 5 | $ 667,000 | $ 133,400 | $ 32,000 |
| Sheboygan, WI | 5 | $ 957,000 | $ 191,400 | $ 0 |
| Boston, MA-NH | 4 | $ 952,000 | $ 238,000 | $ 0 |
| Brownsville-Harlingen-San Benito, TX | 4 | $ 356,000 | $ 89,000 | $ 0 |
| Champaign-Urbana, IL | 4 | $ 474,000 | $ 118,500 | $ 0 |
| Fort Walton Beach, FL | 4 | $ 344,000 | $ 86,000 | $ 0 |
| Goldsboro, NC | 4 | $ 335,000 | $ 83,750 | $ 0 |
| Knoxville, TN | 4 | $ 651,000 | $ 162,750 | $ 0 |
| Lansing-East Lansing, MI | 4 | $ 419,000 | $ 104,750 | $ 0 |
| Muncie, IN | 4 | $ 353,000 | $ 88,250 | $ 0 |
| New Orleans, LA | 4 | $ 415,000 | $ 103,750 | $ 0 |
| Pine Bluff, AR | 4 | $ 379,000 | $ 94,750 | $ 0 |
| Springfield, IL | 4 | $ 502,000 | $ 125,500 | $ 0 |
| Augusta-Aiken, GA-SC | 3 | $ 308,000 | $ 102,666 | $ 0 |
| Austin-San Marcos, TX | 3 | $ 426,000 | $ 142,000 | $ 0 |
| Cincinnati, OH-KY-IN | 3 | $ 581,000 | $ 193,666 | $ 0 |
| Columbus, GA-AL | 3 | $ 223,000 | $ 74,333 | $ 0 |
| Columbus, OH | 3 | $ 298,000 | $ 99,333 | $ 0 |
| Iowa City, IA | 3 | $ 279,000 | $ 93,000 | $ 0 |
| Janesville-Beloit, WI | 3 | $ 386,000 | $ 128,666 | $ 18,000 |
| Miami, FL | 3 | $ 362,000 | $ 120,666 | $ 26,000 |
| Waterloo-Cedar Falls, IA | 3 | $ 411,000 | $ 137,000 | $ 0 |
| Worcester, MA-CT | 3 | $ 423,000 | $ 141,000 | $ 0 |
| York, PA | 3 | $ 490,000 | $ 163,333 | $ 0 |
| Abilene, TX | 2 | $ 181,000 | $ 90,500 | $ 0 |
| Atlantic-Cape May, NJ | 2 | $ 444,000 | $ 222,000 | $ 0 |
| Fitchburg-Leominster, MA | 2 | $ 246,000 | $ 123,000 | $ 0 |
| Huntsville, AL | 2 | $ 264,000 | $ 132,000 | $ 0 |
| Kokomo, IN | 2 | $ 161,000 | $ 80,500 | $ 0 |
| Montgomery, AL | 2 | $ 161,000 | $ 80,500 | $ 0 |
| Ocala, FL | 2 | $ 135,000 | $ 67,500 | $ 0 |
| Richmond-Petersburg, VA | 2 | $ 301,000 | $ 150,500 | $ 0 |
| Roanoke, VA | 2 | $ 284,000 | $ 142,000 | $ 0 |
| Saginaw-Bay City-Midland, MI | 2 | $ 240,000 | $ 120,000 | $ 0 |
| State College, PA | 2 | $ 334,000 | $ 167,000 | $ 0 |
| Tacoma, WA | 2 | $ 416,000 | $ 208,000 | $ 0 |
| Williamsport, PA | 2 | $ 172,000 | $ 86,000 | $ 0 |
| Wilmington-Newark, DE-MD | 2 | $ 453,000 | $ 226,500 | $ 0 |
| Albany, GA | 1 | $ 162,000 | $ 162,000 | $ 0 |
| Allentown-Bethlehem-Easton, PA | 1 | $ 61,000 | $ 61,000 | $ 0 |
| Amarillo, TX | 1 | $ 170,000 | $ 170,000 | $ 0 |
| Bellingham, WA | 1 | $ 239,000 | $ 239,000 | $ 0 |
| Bremerton, WA | 1 | $ 174,000 | $ 174,000 | $ 0 |
| Charlottesville, VA | 1 | $ 272,000 | $ 272,000 | $ 0 |
| Dayton-Springfield, OH | 1 | $ 94,000 | $ 94,000 | $ 0 |
| Decatur, IL | 1 | $ 116,000 | $ 116,000 | $ 0 |
| Enid, OK | 1 | $ 154,000 | $ 154,000 | $ 0 |
| Florence, SC | 1 | $ 183,000 | $ 183,000 | $ 0 |
| Gadsden, AL | 1 | $ 133,000 | $ 133,000 | $ 0 |
| Galveston-Texas City, TX | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Greenville, NC | 1 | $ 405,000 | $ 405,000 | $ 0 |
| Hamilton-Middletown, OH | 1 | $ 158,000 | $ 158,000 | $ 0 |
| Hartford, CT | 1 | $ 150,000 | $ 150,000 | $ 0 |
| Killeen-Temple, TX | 1 | $ 83,000 | $ 83,000 | $ 0 |
| Lafayette, IN | 1 | $ 113,000 | $ 113,000 | $ 0 |
| Lynchburg, VA | 1 | $ 270,000 | $ 270,000 | $ 0 |
| McAllen-Edinburg-Mission, TX | 1 | $ 61,000 | $ 61,000 | $ 0 |
| New Haven-Meriden, CT | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Orange County, CA | 1 | $ 431,000 | $ 431,000 | $ 300,000 |
| Panama City, FL | 1 | $ 71,000 | $ 71,000 | $ 0 |
| Pittsburgh, PA | 1 | $ 103,000 | $ 103,000 | $ 79,000 |
| Pittsfield, MA | 1 | $ 198,000 | $ 198,000 | $ 0 |
| Provo-Orem, UT | 1 | $ 240,000 | $ 240,000 | $ 0 |
| Reno, NV | 1 | $ 200,000 | $ 200,000 | $ 0 |
| Rochester, MN | 1 | $ 148,000 | $ 148,000 | $ 44,000 |
| Stamford-Norwalk, CT | 1 | $ 100,000 | $ 100,000 | $ 0 |
| Toledo, OH | 1 | $ 94,000 | $ 94,000 | $ 0 |
| Tuscaloosa, AL | 1 | $ 111,000 | $ 111,000 | $ 0 |
| Waco, TX | 1 | $ 97,000 | $ 97,000 | $ 0 |
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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