American Lending Inc Mortgage Lending & HMDA Data, 2016
In 2016, American Lending Inc of Costa Mesa, CA reported 372 mortgage applications totaling $115.8 million, down 30% from 2015. The average application was for $311,376, and applicants reported an average income of $116,069. 26% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (88), Riverside-San Bernardino-Ontario, CA (41) and Anaheim-Santa Ana-Irvine, CA (31) (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 | 372 |
| Total Mortgage Loan Application Amount | $115,832,000 |
| Average Mortgage Loan Application Amount | $311,376 |
| Highest Mortgage Loan Application Amount | $2,030,000 |
| Average Applicant Income | $116,069 |
| Highest Applicant Income | $1,344,000 |
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Act (HMDA) records American Lending Inc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | 88 | $ 32,601,000 | $ 370,465 | $ 94,000 |
| Riverside-San Bernardino-Ontario, CA | 41 | $ 11,099,000 | $ 270,707 | $ 104,000 |
| Anaheim-Santa Ana-Irvine, CA | 31 | $ 14,433,000 | $ 465,580 | $ 156,000 |
| Houston-The Woodlands-Sugar Land, TX | 26 | $ 5,581,000 | $ 214,653 | $ 97,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 16 | $ 3,989,000 | $ 249,312 | $ 153,000 |
| Santa Rosa, CA | 16 | $ 7,584,000 | $ 474,000 | $ 159,000 |
| Orlando-Kissimmee-Sanford, FL | 15 | $ 3,025,000 | $ 201,666 | $ 68,000 |
| Oakland-Hayward-Berkeley, CA | 14 | $ 5,951,000 | $ 425,071 | $ 210,000 |
| Miami-Miami Beach-Kendall, FL | 12 | $ 3,632,000 | $ 302,666 | $ 211,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 9 | $ 1,245,000 | $ 138,333 | $ 86,000 |
| San Diego-Carlsbad, CA | 8 | $ 3,569,000 | $ 446,125 | $ 131,000 |
| Stockton-Lodi, CA | 7 | $ 1,589,000 | $ 227,000 | $ 81,000 |
| Dallas-Plano-Irving, TX | 6 | $ 1,072,000 | $ 178,666 | $ 106,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 6 | $ 2,200,000 | $ 366,666 | $ 73,000 |
| Tampa-St. Petersburg-Clearwater, FL | 6 | $ 1,388,000 | $ 231,333 | $ 70,000 |
| Seattle-Bellevue-Everett, WA | 5 | $ 1,480,000 | $ 296,000 | $ 133,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 5 | $ 1,982,000 | $ 396,400 | $ 209,000 |
| Atlanta-Sandy Springs-Roswell, GA | 4 | $ 547,000 | $ 136,750 | $ 41,000 |
| Austin-Round Rock, TX | 4 | $ 782,000 | $ 195,500 | $ 72,000 |
| Cape Coral-Fort Myers, FL | 4 | $ 502,000 | $ 125,500 | $ 61,000 |
| Fort Worth-Arlington, TX | 4 | $ 677,000 | $ 169,250 | $ 58,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 4 | $ 2,321,000 | $ 580,250 | $ 229,000 |
| Columbus, GA-AL | 3 | $ 620,000 | $ 206,666 | $ 365,000 |
| El Paso, TX | 3 | $ 309,000 | $ 103,000 | $ 60,000 |
| Palm Bay-Melbourne-Titusville, FL | 3 | $ 727,000 | $ 242,333 | $ 93,000 |
| Crestview-Fort Walton Beach-Destin, FL | 2 | $ 974,000 | $ 487,000 | $ 131,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 2 | $ 326,000 | $ 163,000 | $ 75,000 |
| Killeen-Temple, TX | 2 | $ 425,000 | $ 212,500 | $ 55,000 |
| Modesto, CA | 2 | $ 328,000 | $ 164,000 | $ 80,000 |
| Naples-Immokalee-Marco Island, FL | 2 | $ 318,000 | $ 159,000 | $ 245,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 2 | $ 347,000 | $ 173,500 | $ 43,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 2 | $ 410,000 | $ 205,000 | $ 48,000 |
| Richmond, VA | 2 | $ 268,000 | $ 134,000 | $ 55,000 |
| Bakersfield, CA | 1 | $ 147,000 | $ 147,000 | $ 53,000 |
| Beaumont-Port Arthur, TX | 1 | $ 107,000 | $ 107,000 | $ 26,000 |
| Denver-Aurora-Lakewood, CO | 1 | $ 180,000 | $ 180,000 | $ 82,000 |
| Jacksonville, FL | 1 | $ 306,000 | $ 306,000 | $ 34,000 |
| Lakeland-Winter Haven, FL | 1 | $ 121,000 | $ 121,000 | $ 35,000 |
| North Port-Sarasota-Bradenton, FL | 1 | $ 200,000 | $ 200,000 | $ 242,000 |
| Port St. Lucie, FL | 1 | $ 262,000 | $ 262,000 | $ 119,000 |
| Salisbury, MD-DE | 1 | $ 170,000 | $ 170,000 | $ 96,000 |
| San Antonio-New Braunfels, TX | 1 | $ 210,000 | $ 210,000 | $ 95,000 |
| San Francisco-Redwood City-South San Francisco, CA | 1 | $ 960,000 | $ 960,000 | $ 96,000 |
| Visalia-Porterville, CA | 1 | $ 100,000 | $ 100,000 | $ 85,000 |
Mortgage Loan Application Detail Totals for American Lending Inc in 2016
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 | 202 | $61,097,000 | $302,000 | $2,030,000 | $110,000 | $960,000 |
| Refinancing | 168 | $53,953,000 | $321,000 | $1,237,000 | $124,000 | $1,344,000 |
| Home Improvement | 2 | $782,000 | $391,000 | $472,000 | $63,000 | $75,000 |
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 | 142 | $48,431,000 | $341,000 | $2,030,000 | $127,000 | $720,000 |
| Hispanic | 72 | $18,074,000 | $251,000 | $615,000 | $86,000 | $960,000 |
| Asian | 67 | $22,996,000 | $343,000 | $1,237,000 | $145,000 | $1,344,000 |
| Not Provided | 45 | $14,365,000 | $319,000 | $1,800,000 | $109,000 | $480,000 |
| Black or African American | 44 | $11,372,000 | $258,000 | $960,000 | $97,000 | $453,000 |
| Native Hawaiin or Other Pacific Islander | 2 | $594,000 | $297,000 | $352,000 | $85,000 | $87,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 240 | $79,668,000 | $331,000 | $2,030,000 | $141,000 | $1,344,000 |
| FHA-insured (Federal Housing Administration) | 119 | $30,996,000 | $260,000 | $1,800,000 | $70,000 | $345,000 |
| VA-guaranteed (Veterans Administration) | 13 | $5,168,000 | $397,000 | $1,000,000 | $90,000 | $280,000 |
| 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 |
|---|---|---|---|---|---|---|
| File Closed For Incompleteness | 195 | $56,306,000 | $288,000 | $1,800,000 | $112,000 | $960,000 |
| Loan Originated | 95 | $30,365,000 | $319,000 | $1,032,000 | $118,000 | $551,000 |
| Application Denied By Financial Institution | 46 | $15,454,000 | $335,000 | $1,237,000 | $109,000 | $1,344,000 |
| Application Withdrawn By Applicant | 16 | $6,691,000 | $418,000 | $2,030,000 | $116,000 | $441,000 |
| Application Approved But Not Accepted | 12 | $5,036,000 | $419,000 | $1,093,000 | $161,000 | $480,000 |
| Preapproval Approved but not Accepted | 4 | $1,219,000 | $304,000 | $627,000 | $181,000 | $416,000 |
| Preapproval Denied by Financial Institution | 4 | $761,000 | $190,000 | $290,000 | $167,000 | $324,000 |
| Loan Purchased By The 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 | 21 | $6,341,000 | $301,000 | $999,000 | $129,000 | $1,344,000 |
| Other | 9 | $2,755,000 | $306,000 | $680,000 | $128,000 | $324,000 |
| Credit History | 6 | $3,039,000 | $506,000 | $1,237,000 | $150,000 | $447,000 |
| Unverifiable Information | 5 | $1,318,000 | $263,000 | $383,000 | $51,000 | $73,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $1,103,000 | $220,000 | $320,000 | $86,000 | $224,000 |
| Collateral | 2 | $426,000 | $213,000 | $258,000 | $50,000 | $60,000 |
| Credit Application Incomplete | 1 | $608,000 | $608,000 | $608,000 | $76,000 | $76,000 |
| Employment History | 1 | $625,000 | $625,000 | $625,000 | $90,000 | $90,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into American Lending Inc's 2016 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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