Affiliated Funding dba Inhouse Mortgage Lending & HMDA Data, 2010
In 2010, Affiliated Funding dba Inhouse of South Coast Metro, CA reported 3,149 mortgage applications totaling $812.5 million, up 27% from 2009. The average application was for $258,030, and applicants reported an average income of $77,223. 60% of its applications resulted in an originated loan and 20% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (1,326), Riverside-San Bernardino-Ontario, CA (769) and Santa Ana-Anaheim-Irvine, CA (352) (applications in parentheses).
| Mortgage Company & Address | Affiliated Funding dba Inhouse 5 Hutton Centre Drive Suite 1100 South Coast Metro, CA 92707 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2011 2010 2009 2008 |
| Total Number of Mortgage Applications | 3,149 |
| Total Mortgage Loan Application Amount | $812,539,000 |
| Average Mortgage Loan Application Amount | $258,030 |
| Highest Mortgage Loan Application Amount | $1,975,000 |
| Average Applicant Income | $77,223 |
| Highest Applicant Income | $1,255,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Affiliated Funding dba Inhouse filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Los Angeles-Long Beach-Glendale, CA | 1,326 | $ 358,138,000 | $ 270,088 | $ 75,000 |
| Riverside-San Bernardino-Ontario, CA | 769 | $ 150,427,000 | $ 195,613 | $ 66,000 |
| Santa Ana-Anaheim-Irvine, CA | 352 | $ 120,455,000 | $ 342,201 | $ 107,000 |
| San Diego-Carlsbad-San Marcos, CA | 137 | $ 39,821,000 | $ 290,664 | $ 84,000 |
| Oakland-Fremont-Hayward, CA | 116 | $ 38,808,000 | $ 334,551 | $ 98,000 |
| Fresno, CA | 65 | $ 10,222,000 | $ 157,261 | $ 53,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 59 | $ 13,493,000 | $ 228,694 | $ 74,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 47 | $ 17,354,000 | $ 369,234 | $ 89,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 34 | $ 10,839,000 | $ 318,794 | $ 94,000 |
| Las Vegas-Paradise, NV | 28 | $ 5,181,000 | $ 185,035 | $ 84,000 |
| Stockton, CA | 22 | $ 4,478,000 | $ 203,545 | $ 64,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 19 | $ 4,614,000 | $ 242,842 | $ 73,000 |
| Vallejo-Fairfield, CA | 19 | $ 4,173,000 | $ 219,631 | $ 64,000 |
| Salinas, CA | 18 | $ 3,900,000 | $ 216,666 | $ 73,000 |
| Santa Cruz-Watsonville, CA | 16 | $ 4,417,000 | $ 276,062 | $ 64,000 |
| Bakersfield-Delano, CA | 14 | $ 1,950,000 | $ 139,285 | $ 48,000 |
| Modesto, CA | 14 | $ 2,230,000 | $ 159,285 | $ 50,000 |
| Phoenix-Mesa-Glendale, AZ | 14 | $ 2,793,000 | $ 199,500 | $ 78,000 |
| San Francisco-San Mateo-Redwood City, CA | 14 | $ 5,737,000 | $ 409,785 | $ 109,000 |
| Visalia-Porterville, CA | 9 | $ 1,201,000 | $ 133,444 | $ 43,000 |
| San Luis Obispo-Paso Robles, CA | 8 | $ 2,386,000 | $ 298,250 | $ 95,000 |
| Madera-Chowchilla, CA | 6 | $ 707,000 | $ 117,833 | $ 44,000 |
| Denver-Aurora-Broomfield, CO | 5 | $ 711,000 | $ 142,200 | $ 67,000 |
| Merced, CA | 5 | $ 758,000 | $ 151,600 | $ 47,000 |
| Chico, CA | 4 | $ 715,000 | $ 178,750 | $ 73,000 |
| El Centro, CA | 2 | $ 253,000 | $ 126,500 | $ 35,000 |
| Napa, CA | 2 | $ 456,000 | $ 228,000 | $ 48,000 |
| Redding, CA | 2 | $ 405,000 | $ 202,500 | $ 119,000 |
| Reno-Sparks, NV | 2 | $ 529,000 | $ 264,500 | $ 97,000 |
| Santa Rosa-Petaluma, CA | 2 | $ 574,000 | $ 287,000 | $ 78,000 |
| Colorado Springs, CO | 1 | $ 190,000 | $ 190,000 | $ 27,000 |
| Greeley, CO | 1 | $ 247,000 | $ 247,000 | $ 69,000 |
| Hanford-Corcoran, CA | 1 | $ 312,000 | $ 312,000 | $ 95,000 |
| Tucson, AZ | 1 | $ 270,000 | $ 270,000 | $ 127,000 |
| Yuba City, CA | 1 | $ 214,000 | $ 214,000 | $ 77,000 |
| Yuma, AZ | 1 | $ 254,000 | $ 254,000 | $ 144,000 |
Mortgage Loan Application Detail Totals for Affiliated Funding dba Inhouse in 2010
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 2,341 | $554,251,000 | $236,000 | $1,000,000 | $72,000 | $1,255,000 |
| Refinancing | 782 | $251,710,000 | $321,000 | $1,975,000 | $93,000 | $662,000 |
| Home Improvement | 26 | $6,578,000 | $253,000 | $575,000 | $73,000 | $184,000 |
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 |
|---|---|---|---|---|---|---|
| Hispanic | 1,524 | $337,962,000 | $221,000 | $1,000,000 | $59,000 | $516,000 |
| White | 652 | $193,116,000 | $296,000 | $1,975,000 | $100,000 | $1,255,000 |
| Not Provided | 595 | $168,777,000 | $283,000 | $1,290,000 | $88,000 | $982,000 |
| Asian | 254 | $79,400,000 | $312,000 | $729,000 | $100,000 | $418,000 |
| Black or African American | 95 | $23,797,000 | $250,000 | $673,000 | $68,000 | $164,000 |
| Native Hawaiian or Other Pacific Islander | 25 | $7,859,000 | $314,000 | $588,000 | $85,000 | $209,000 |
| American Indian or Alaskan Native | 4 | $1,628,000 | $407,000 | $711,000 | $96,000 | $147,000 |
| 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) | 2,053 | $515,328,000 | $251,000 | $729,000 | $65,000 | $452,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 1,096 | $297,211,000 | $271,000 | $1,975,000 | $99,000 | $1,255,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 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 Originated | 1,890 | $488,177,000 | $258,000 | $729,000 | $76,000 | $982,000 |
| Application Denied By Financial Institution | 636 | $165,350,000 | $259,000 | $1,000,000 | $80,000 | $1,255,000 |
| Application Approved But Not Accepted | 420 | $107,081,000 | $254,000 | $1,975,000 | $76,000 | $662,000 |
| Application Withdrawn By Applicant | 201 | $51,459,000 | $256,000 | $1,290,000 | $79,000 | $601,000 |
| File Closed For Incompleteness | 2 | $472,000 | $236,000 | $266,000 | $44,000 | $51,000 |
| 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 |
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 | 6 | $1,286,000 | $214,000 | $560,000 | $65,000 | $174,000 |
| 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 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Affiliated Funding dba Inhouse's 2010 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 Affiliated Funding dba Inhouse'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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