Advantagefirst Lending Inc Mortgage Lending & HMDA Data, 2025
In 2025, Advantagefirst Lending Inc of Lake Forest, CA reported 12,187 mortgage applications totaling $4.0 billion. The average application was for $327,336, and applicants reported an average income of $99,984. 34% of its applications resulted in an originated loan and 18% were denied. Its largest markets were Phoenix-Mesa-Scottsdale, AZ (440), Atlanta-Sandy Springs-Roswell, GA (420) and Riverside-San Bernardino-Ontario, CA (343) (applications in parentheses).
| Mortgage Company & Address | Advantagefirst Lending Inc 2 South Pointe Drive Suites 200-235 Lake Forest, CA 92630 |
| Federal Regulator | * available with data download |
| Years | 2025 |
| Total Number of Mortgage Applications | 12,187 |
| Total Mortgage Loan Application Amount | $3,989,255,000 |
| Average Mortgage Loan Application Amount | $327,336 |
| Highest Mortgage Loan Application Amount | $2,505,000 |
| Average Applicant Income | $99,984 |
| Highest Applicant Income | $7,472,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Advantagefirst Lending Inc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Advantagefirst Lending Inc in 2025
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 |
|---|---|---|---|---|---|---|
| Cash-out Refinancing | 11,139 | $3,649,035,000 | $327,000 | $2,505,000 | $99,000 | $3,580,000 |
| Refinancing | 865 | $277,375,000 | $320,000 | $1,405,000 | $104,000 | $1,051,000 |
| Home Improvement | 137 | $45,625,000 | $333,000 | $1,795,000 | $148,000 | $7,472,000 |
| Home Purchase | 46 | $17,220,000 | $374,000 | $945,000 | $120,000 | $442,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 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 | 5,480 | $1,753,550,000 | $319,000 | $1,805,000 | $98,000 | $635,000 |
| Not Provided | 4,372 | $1,453,840,000 | $332,000 | $2,505,000 | $102,000 | $3,580,000 |
| Black or African American | 1,304 | $408,070,000 | $312,000 | $1,255,000 | $97,000 | $7,472,000 |
| Hispanic | 792 | $272,990,000 | $344,000 | $1,965,000 | $101,000 | $1,800,000 |
| Asian | 202 | $87,510,000 | $433,000 | $1,405,000 | $140,000 | $1,266,000 |
| American Indian or Alaskan Native | 24 | $7,710,000 | $321,000 | $705,000 | $94,000 | $278,000 |
| Native Hawaiian or Other Pacific Islander | 13 | $5,585,000 | $429,000 | $735,000 | $135,000 | $240,000 |
| 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 |
|---|---|---|---|---|---|---|
| FHA-insured (Federal Housing Administration) | 6,716 | $2,046,360,000 | $304,000 | $1,235,000 | $94,000 | $1,584,000 |
| VA-guaranteed (Veterans Administration) | 3,381 | $1,182,935,000 | $349,000 | $1,965,000 | $95,000 | $1,298,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 2,090 | $759,960,000 | $363,000 | $2,505,000 | $128,000 | $7,472,000 |
| 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 |
|---|---|---|---|---|---|---|
| Application Withdrawn By Applicant | 5,295 | $1,755,645,000 | $331,000 | $2,505,000 | $102,000 | $1,800,000 |
| Loan Originated | 4,137 | $1,340,075,000 | $323,000 | $1,965,000 | $101,000 | $1,069,000 |
| Application Denied By Financial Institution | 2,216 | $705,910,000 | $318,000 | $2,125,000 | $93,000 | $7,472,000 |
| File Closed For Incompleteness | 538 | $186,840,000 | $347,000 | $1,505,000 | $107,000 | $3,580,000 |
| Loan Purchased By The Institution | 1 | $785,000 | $785,000 | $785,000 | $214,000 | $214,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 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 |
|---|---|---|---|---|---|---|
| Not applicable | 9,971 | $3,283,345,000 | $329,000 | $2,505,000 | $102,000 | $3,580,000 |
| Collateral | 990 | $301,020,000 | $304,000 | $1,145,000 | $96,000 | $734,000 |
| Debt-To-Income Ratio | 681 | $230,785,000 | $338,000 | $1,685,000 | $85,000 | $7,472,000 |
| Credit History | 531 | $169,615,000 | $319,000 | $2,125,000 | $96,000 | $493,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 14 | $4,490,000 | $320,000 | $565,000 | $103,000 | $300,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Advantagefirst Lending Inc's 2025 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 Advantagefirst Lending 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.
For a list of all lenders in California, download the full spreadsheet
with aggregated HMDA statistics today.
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