AMWEST Funding at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 101 large mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
74th8.2% deniedPricingmedian rate spread over APOR, weight 30%
17th0.65 ptsProcesswithdrawn + incomplete share, weight 15%
16th32.9%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 12,521 | 7,459 | 7.0% | 10.5% | 8.13% | $3.1B |
| 2024 | 15,888 | 9,305 | 7.8% | 11.7% | 7.50% | $3.8B |
| 2025 | 19,692 | 12,091 | 5.5% | 8.2% | 6.88% | $5.0B |
What AMWEST Funding lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 2,091 home-equity lines, 0 reverse mortgages, 6 manufactured homes, 8,291 investment properties.
Why AMWEST Funding denies applications
Primary reason reported for each of the 1,085 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at AMWEST Funding
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 178 | 77 | 34.8% |
| $50k – $100k | 1,777 | 1,105 | 13.5% |
| $100k – $150k | 2,512 | 1,595 | 9.3% |
| $150k – $250k | 3,551 | 2,216 | 7.8% |
| Over $250k | 4,487 | 2,802 | 7.1% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 362 | 221 | 12.3% |
| 25–34 | 3,136 | 2,023 | 6.8% |
| 35–44 | 5,796 | 3,645 | 7.9% |
| 45–54 | 5,363 | 3,244 | 8.7% |
| 55–64 | 3,438 | 2,059 | 9.1% |
| 65–74 | 1,247 | 720 | 7.5% |
| Over 74 | 347 | 179 | 8.5% |
Where AMWEST Funding lends
49 states and 905 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| California | 7,654 | 4,633 | 5.9% | 7.00% | #29 |
| Florida | 2,778 | 1,634 | 6.5% | 7.00% | #74 |
| Texas | 2,322 | 1,476 | 4.1% | 6.88% | #86 |
| Georgia | 873 | 546 | 4.9% | 6.88% | #106 |
| New Jersey | 503 | 281 | 7.0% | 6.75% | #117 |
| Utah | 427 | 295 | 6.8% | 6.38% | #63 |
| Virginia | 402 | 241 | 5.5% | 6.88% | #128 |
| Arizona | 377 | 251 | 2.1% | 6.75% | #137 |
| Pennsylvania | 367 | 236 | 5.5% | 7.13% | #207 |
| Illinois | 344 | 224 | 4.7% | 7.00% | #176 |
| North Carolina | 327 | 208 | 7.0% | 6.88% | #185 |
| Washington | 304 | 187 | 5.9% | 7.13% | #145 |
| New York | 228 | 119 | 4.8% | 7.25% | #194 |
| Massachusetts | 215 | 136 | 7.9% | 6.75% | #152 |
| Colorado | 212 | 131 | 5.2% | 6.88% | #179 |
| Ohio | 203 | 110 | 7.9% | 7.00% | #234 |
| Nevada | 197 | 109 | 5.1% | 7.00% | #106 |
| Tennessee | 175 | 121 | 2.3% | 6.88% | #234 |
| Michigan | 164 | 104 | 3.7% | 7.38% | #233 |
| Connecticut | 162 | 112 | 4.3% | 6.88% | #123 |
| Oklahoma | 162 | 107 | 3.7% | 6.88% | #144 |
| Maryland | 158 | 96 | 7.0% | 6.88% | #188 |
| Indiana | 143 | 96 | 4.9% | 6.75% | #234 |
| Alabama | 119 | 78 | 5.0% | 7.00% | #205 |
| South Carolina | 106 | 72 | 4.7% | 7.00% | #251 |
| Missouri | 92 | 58 | 1.1% | 6.75% | #270 |
| Louisiana | 88 | 71 | 2.3% | 6.88% | #192 |
| Kentucky | 87 | 57 | 2.3% | 7.13% | #223 |
| Oregon | 84 | 53 | 6.0% | 6.75% | #178 |
| Delaware | 51 | 35 | 3.9% | 6.88% | #114 |
| Arkansas | 42 | 28 | 2.4% | 6.69% | #219 |
| Minnesota | 37 | 24 | 5.4% | 7.38% | #323 |
| Wisconsin | 35 | 21 | 2.9% | 6.88% | #375 |
| Kansas | 28 | 10 | 3.6% | 7.25% | #279 |
| Mississippi | 28 | 20 | 0.0% | 6.75% | #215 |
| Hawaii | 25 | 11 | 8.0% | 7.00% | #121 |
| Rhode Island | 25 | 18 | 0.0% | 7.19% | #135 |
| District of Columbia | 22 | 13 | 9.1% | 7.13% | #115 |
| Idaho | 22 | 13 | 0.0% | 6.63% | #217 |
| Nebraska | 21 | 11 | 0.0% | 7.25% | #199 |
| New Hampshire | 18 | 11 | 0.0% | 6.88% | #203 |
| West Virginia | 15 | 8 | 20.0% | 7.19% | #215 |
| New Mexico | 14 | 10 | 0.0% | 6.81% | #228 |
| Iowa | 12 | 6 | 0.0% | 6.81% | #341 |
| Alaska | 10 | 3 | 30.0% | 7.50% | #105 |
| Maine | 8 | 3 | 0.0% | 6.63% | #241 |
Frequently asked questions
AMWEST Funding denied 8.2% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 74th percentile of large mortgage lenders.
The most common reason AMWEST Funding gave in 2025 was "other", cited on 29.3% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans AMWEST Funding originated in 2025 was 6.88%, and its median rate spread over the average prime offer rate was 0.65 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 48% of its applications were for home purchases, 52% for refinancing (including cash-out), and 0% for home improvement or other purposes. By loan type: 95% conventional, 4% FHA, 1% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.