American Lending Inc Mortgage Lending & HMDA Data, 2015
In 2015, American Lending Inc of Costa Mesa, CA reported 531 mortgage applications totaling $165.1 million, up 142% from 2014. The average application was for $310,949, and applicants reported an average income of $100,482. 26% of its applications resulted in an originated loan and 74% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (151), Riverside-San Bernardino-Ontario, CA (54) and Anaheim-Santa Ana-Irvine, CA (44) (applications in parentheses).
| Mortgage Company & Address | American Lending Inc 2900 Bristol St Blgd H Ste 202 Costa Mesa, CA 92626 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 531 |
| Total Mortgage Loan Application Amount | $165,114,000 |
| Average Mortgage Loan Application Amount | $310,949 |
| Highest Mortgage Loan Application Amount | $2,700,000 |
| Average Applicant Income | $100,482 |
| Highest Applicant Income | $2,160,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records American Lending Inc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Los Angeles, California | 151 | $ 52,924,000 | $ 350,490 | $ 100,000 |
| Orange, California | 44 | $ 20,679,000 | $ 469,977 | $ 131,000 |
| Riverside, California | 27 | $ 7,676,000 | $ 284,296 | $ 97,000 |
| San Bernardino, California | 27 | $ 8,106,000 | $ 300,222 | $ 92,000 |
| Harris, Texas | 17 | $ 2,703,000 | $ 159,000 | $ 203,000 |
| San Joaquin, California | 14 | $ 4,274,000 | $ 305,285 | $ 54,000 |
| Ventura, California | 13 | $ 5,165,000 | $ 397,307 | $ 89,000 |
| Contra Costa, California | 12 | $ 3,904,000 | $ 325,333 | $ 85,000 |
| Santa Clara, California | 12 | $ 7,406,000 | $ 617,166 | $ 175,000 |
| Broward, Florida | 11 | $ 3,667,000 | $ 333,363 | $ 178,000 |
| Dallas, Texas | 10 | $ 2,268,000 | $ 226,800 | $ 79,000 |
| Tarrant, Texas | 10 | $ 1,584,000 | $ 158,400 | $ 52,000 |
| Sacramento, California | 9 | $ 2,286,000 | $ 254,000 | $ 90,000 |
| Fort Bend, Texas | 9 | $ 1,555,000 | $ 172,777 | $ 69,000 |
| San Diego, California | 8 | $ 2,484,000 | $ 310,500 | $ 139,000 |
| Santa Barbara, California | 7 | $ 1,630,000 | $ 232,857 | $ 53,000 |
| Solano, California | 7 | $ 1,689,000 | $ 241,285 | $ 103,000 |
| Hillsborough, Florida | 7 | $ 1,371,000 | $ 195,857 | $ 79,000 |
| Orange, Florida | 7 | $ 1,496,000 | $ 213,714 | $ 84,000 |
| Bexar, Texas | 7 | $ 1,041,000 | $ 148,714 | $ 69,000 |
| Sonoma, California | 6 | $ 2,085,000 | $ 347,500 | $ 92,000 |
| Travis, Texas | 6 | $ 666,000 | $ 111,000 | $ 39,000 |
| Adams, Colorado | 5 | $ 999,000 | $ 199,800 | $ 65,000 |
| Alameda, California | 4 | $ 2,962,000 | $ 740,500 | $ 141,000 |
| San Mateo, California | 4 | $ 1,785,000 | $ 446,250 | $ 113,000 |
| Palm Beach, Florida | 4 | $ 825,000 | $ 206,250 | $ 62,000 |
| Seminole, Florida | 4 | $ 1,128,000 | $ 282,000 | $ 88,000 |
| Kern, California | 3 | $ 574,000 | $ 191,333 | $ 158,000 |
| Tehama, California | 3 | $ 499,000 | $ 166,333 | $ 50,000 |
| Duval, Florida | 3 | $ 276,000 | $ 92,000 | $ 49,000 |
| Miami-Dade, Florida | 3 | $ 305,000 | $ 101,666 | $ 41,000 |
| Volusia, Florida | 3 | $ 495,000 | $ 165,000 | $ 84,000 |
| Bastrop, Texas | 3 | $ 474,000 | $ 158,000 | $ 97,000 |
| Brazoria, Texas | 3 | $ 884,000 | $ 294,666 | $ 107,000 |
| Denton, Texas | 3 | $ 488,000 | $ 162,666 | $ 84,000 |
| Williamson, Texas | 3 | $ 415,000 | $ 138,333 | $ 65,000 |
| Denver, Colorado | 2 | $ 1,390,000 | $ 695,000 | $ 284,000 |
| Jefferson, Colorado | 2 | $ 428,000 | $ 214,000 | $ 51,000 |
| Brevard, Florida | 2 | $ 438,000 | $ 219,000 | $ 88,000 |
| Osceola, Florida | 2 | $ 665,000 | $ 332,500 | $ 131,000 |
| Guadalupe, Texas | 2 | $ 431,000 | $ 215,500 | $ 106,000 |
| Lubbock, Texas | 2 | $ 1,033,000 | $ 516,500 | $ 79,000 |
| Milam, Texas | 2 | $ 353,000 | $ 176,500 | $ 80,000 |
| King, Washington | 2 | $ 346,000 | $ 173,000 | $ 51,000 |
| San Francisco, California | 1 | $ 300,000 | $ 300,000 | $ 60,000 |
| San Luis Obispo, California | 1 | $ 295,000 | $ 295,000 | $ 48,000 |
| Santa Cruz, California | 1 | $ 417,000 | $ 417,000 | $ 122,000 |
| Siskiyou, California | 1 | $ 150,000 | $ 150,000 | $ 57,000 |
| Yolo, California | 1 | $ 527,000 | $ 527,000 | $ 90,000 |
| Arapahoe, Colorado | 1 | $ 212,000 | $ 212,000 | $ 123,000 |
| Chaffee, Colorado | 1 | $ 225,000 | $ 225,000 | $ 102,000 |
| Douglas, Colorado | 1 | $ 263,000 | $ 263,000 | $ 104,000 |
| El Paso, Colorado | 1 | $ 126,000 | $ 126,000 | $ 20,000 |
| Larimer, Colorado | 1 | $ 210,000 | $ 210,000 | $ 48,000 |
| Weld, Colorado | 1 | $ 179,000 | $ 179,000 | $ 40,000 |
| Fairfield, Connecticut | 1 | $ 1,033,000 | $ 1,033,000 | $ 180,000 |
| Hartford, Connecticut | 1 | $ 185,000 | $ 185,000 | $ 50,000 |
| Collier, Florida | 1 | $ 165,000 | $ 165,000 | $ 60,000 |
| Lake, Florida | 1 | $ 266,000 | $ 266,000 | $ 122,000 |
| Marion, Florida | 1 | $ 92,000 | $ 92,000 | $ 42,000 |
| Martin, Florida | 1 | $ 175,000 | $ 175,000 | $ 38,000 |
| Okaloosa, Florida | 1 | $ 574,000 | $ 574,000 | $ 174,000 |
| Pinellas, Florida | 1 | $ 60,000 | $ 60,000 | $ 32,000 |
| Polk, Florida | 1 | $ 168,000 | $ 168,000 | $ 179,000 |
| Sarasota, Florida | 1 | $ 207,000 | $ 207,000 | $ 110,000 |
| St. Lucie, Florida | 1 | $ 176,000 | $ 176,000 | $ 100,000 |
| Gwinnett, Georgia | 1 | $ 307,000 | $ 307,000 | $ 104,000 |
| Elko, Nevada | 1 | $ 135,000 | $ 135,000 | $ 84,000 |
| Otero, New Mexico | 1 | $ 145,000 | $ 145,000 | $ 72,000 |
| Tillman, Oklahoma | 1 | $ 157,000 | $ 157,000 | $ 60,000 |
| Erie, Pennsylvania | 1 | $ 200,000 | $ 200,000 | $ 68,000 |
| Bell, Texas | 1 | $ 274,000 | $ 274,000 | $ 79,000 |
| Cameron, Texas | 1 | $ 135,000 | $ 135,000 | $ 96,000 |
| Hays, Texas | 1 | $ 102,000 | $ 102,000 | $ 82,000 |
| Hockley, Texas | 1 | $ 75,000 | $ 75,000 | $ 33,000 |
| Jefferson, Texas | 1 | $ 96,000 | $ 96,000 | $ 43,000 |
| Kaufman, Texas | 1 | $ 285,000 | $ 285,000 | $ 54,000 |
| Llano, Texas | 1 | $ 130,000 | $ 130,000 | $ 43,000 |
| McLennan, Texas | 1 | $ 164,000 | $ 164,000 | $ 90,000 |
| Montgomery, Texas | 1 | $ 620,000 | $ 620,000 | $ 281,000 |
| Nacogdoches, Texas | 1 | $ 80,000 | $ 80,000 | $ 26,000 |
| Parker, Texas | 1 | $ 217,000 | $ 217,000 | $ 36,000 |
| Smith, Texas | 1 | $ 80,000 | $ 80,000 | $ 84,000 |
| Manassas, Virginia | 1 | $ 400,000 | $ 400,000 | $ 175,000 |
| Orange, Virginia | 1 | $ 219,000 | $ 219,000 | $ 17,000 |
| Prince Edward, Virginia | 1 | $ 221,000 | $ 221,000 | $ 62,000 |
| Prince William, Virginia | 1 | $ 320,000 | $ 320,000 | $ 130,000 |
| Lewis, Washington | 1 | $ 370,000 | $ 370,000 | $ 134,000 |
| Pierce, Washington | 1 | $ 245,000 | $ 245,000 | $ 69,000 |
| Snohomish, Washington | 1 | $ 280,000 | $ 280,000 | $ 75,000 |
Mortgage Loan Application Detail Totals for American Lending Inc in 2015
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 | 303 | $88,367,000 | $291,000 | $1,200,000 | $101,000 | $2,160,000 |
| Refinancing | 227 | $76,528,000 | $337,000 | $2,700,000 | $100,000 | $690,000 |
| Home Improvement | 1 | $219,000 | $219,000 | $219,000 | $53,000 | $53,000 |
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 |
|---|---|---|---|---|---|---|
| White | 174 | $61,123,000 | $351,000 | $1,300,000 | $116,000 | $858,000 |
| Hispanic | 168 | $44,765,000 | $266,000 | $990,000 | $93,000 | $2,160,000 |
| Black or African American | 94 | $23,688,000 | $252,000 | $1,300,000 | $80,000 | $303,000 |
| Asian | 75 | $26,006,000 | $346,000 | $1,058,000 | $100,000 | $302,000 |
| Not Provided | 10 | $6,988,000 | $698,000 | $2,700,000 | $203,000 | $690,000 |
| American Indian or Alaskan Native | 6 | $1,394,000 | $232,000 | $490,000 | $81,000 | $144,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $1,150,000 | $287,000 | $547,000 | $80,000 | $138,000 |
| 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 |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 314 | $102,157,000 | $325,000 | $2,700,000 | $116,000 | $2,160,000 |
| FHA-insured (Federal Housing Administration) | 199 | $56,248,000 | $282,000 | $1,158,000 | $76,000 | $283,000 |
| VA-guaranteed (Veterans Administration) | 18 | $6,709,000 | $372,000 | $766,000 | $103,000 | $176,000 |
| 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 Denied By Financial Institution | 391 | $127,127,000 | $325,000 | $2,700,000 | $105,000 | $2,160,000 |
| Loan Originated | 140 | $37,987,000 | $271,000 | $1,300,000 | $88,000 | $630,000 |
| 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 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Unverifiable Information | 128 | $38,058,000 | $297,000 | $1,125,000 | $88,000 | $416,000 |
| Credit Application Incomplete | 127 | $44,840,000 | $353,000 | $2,700,000 | $112,000 | $858,000 |
| Debt-To-Income Ratio | 37 | $12,717,000 | $343,000 | $990,000 | $99,000 | $394,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 36 | $10,236,000 | $284,000 | $800,000 | $155,000 | $2,160,000 |
| Other | 25 | $8,018,000 | $320,000 | $1,300,000 | $94,000 | $360,000 |
| Credit History | 22 | $7,199,000 | $327,000 | $990,000 | $110,000 | $316,000 |
| Employment History | 12 | $4,578,000 | $381,000 | $1,200,000 | $127,000 | $464,000 |
| Collateral | 3 | $1,007,000 | $335,000 | $357,000 | $80,000 | $102,000 |
| Mortgage Insurance Denied | 1 | $474,000 | $474,000 | $474,000 | $10,000 | $10,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into American Lending Inc's 2015 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 American 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.
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