Fundloans Capital Mortgage Lending & HMDA Data, 2025
In 2025, Fundloans Capital of San Diego, CA reported 1,972 mortgage applications totaling $1.9 billion, up 12% from 2024. The average application was for $975,248, and applicants reported an average income of $713,175. 49% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (337), San Diego-Carlsbad, CA (256) and Anaheim-Santa Ana-Irvine, CA (158) (applications in parentheses).
| Mortgage Company & Address | Fundloans Capital 12481 High Bluff Dr Ste 150 San Diego, CA 92130 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 |
| Total Number of Mortgage Applications | 1,972 |
| Total Mortgage Loan Application Amount | $1,923,190,000 |
| Average Mortgage Loan Application Amount | $975,248 |
| Highest Mortgage Loan Application Amount | $6,505,000 |
| Average Applicant Income | $713,175 |
| Highest Applicant Income | $9,979,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Fundloans Capital filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 337 | $ 369,225,000 | $ 1,095,623 | $ 703,000 |
| San Diego-Carlsbad, CA | 256 | $ 245,460,000 | $ 958,828 | $ 710,000 |
| Anaheim-Santa Ana-Irvine, CA | 158 | $ 216,190,000 | $ 1,368,291 | $ 1,081,000 |
| Riverside-San Bernardino-Ontario, CA | 103 | $ 65,475,000 | $ 635,679 | $ 593,000 |
| Outside any metro area | 85 | $ 91,595,000 | $ 1,077,588 | $ 711,741 |
| Miami-Miami Beach-Kendall, FL | 73 | $ 105,535,000 | $ 1,445,684 | $ 991,000 |
| Phoenix-Mesa-Scottsdale, AZ | 63 | $ 67,345,000 | $ 1,068,968 | $ 633,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 46 | $ 41,410,000 | $ 900,217 | $ 461,000 |
| Oakland-Hayward-Berkeley, CA | 43 | $ 26,665,000 | $ 620,116 | $ 418,000 |
| Las Vegas-Henderson-Paradise, NV | 41 | $ 33,255,000 | $ 811,097 | $ 531,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 34 | $ 13,720,000 | $ 403,529 | $ 852,000 |
| Atlanta-Sandy Springs-Roswell, GA | 30 | $ 31,310,000 | $ 1,043,666 | $ 735,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 28 | $ 39,040,000 | $ 1,394,285 | $ 1,721,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 27 | $ 29,905,000 | $ 1,107,592 | $ 1,008,000 |
| Urban Honolulu, HI | 27 | $ 23,125,000 | $ 856,481 | $ 276,000 |
| Denver-Aurora-Lakewood, CO | 24 | $ 15,430,000 | $ 642,916 | $ 751,000 |
| Houston-The Woodlands-Sugar Land, TX | 24 | $ 14,260,000 | $ 594,166 | $ 322,000 |
| Dallas-Plano-Irving, TX | 22 | $ 23,700,000 | $ 1,077,272 | $ 358,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 21 | $ 18,495,000 | $ 880,714 | $ 334,000 |
| Austin-Round Rock, TX | 19 | $ 20,725,000 | $ 1,090,789 | $ 1,309,000 |
| San Francisco-Redwood City-South San Francisco, CA | 19 | $ 25,755,000 | $ 1,355,526 | $ 722,000 |
| Charlotte-Concord-Gastonia, NC-SC | 17 | $ 14,285,000 | $ 840,294 | $ 768,941 |
| Crestview-Fort Walton Beach-Destin, FL | 17 | $ 20,775,000 | $ 1,222,058 | $ 2,633,000 |
| Seattle-Bellevue-Everett, WA | 17 | $ 18,825,000 | $ 1,107,352 | $ 410,000 |
| Orlando-Kissimmee-Sanford, FL | 16 | $ 13,760,000 | $ 860,000 | $ 794,000 |
| San Antonio-New Braunfels, TX | 14 | $ 8,120,000 | $ 580,000 | $ 1,054,000 |
| Tampa, FL | 13 | $ 18,105,000 | $ 1,392,692 | $ 1,720,000 |
| Cape Coral-Fort Myers, FL | 12 | $ 4,640,000 | $ 386,666 | $ 437,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 12 | $ 17,910,000 | $ 1,492,500 | $ 661,000 |
| Salt Lake City, UT | 11 | $ 3,875,000 | $ 352,272 | $ 157,000 |
| St. Petersburg-Clearwater-Largo, FL | 11 | $ 10,495,000 | $ 954,090 | $ 708,000 |
| Albuquerque, NM | 10 | $ 2,440,000 | $ 244,000 | $ 17,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 10 | $ 11,210,000 | $ 1,121,000 | $ 331,200 |
| Provo-Orem, UT | 10 | $ 8,660,000 | $ 866,000 | $ 1,681,000 |
| Salinas, CA | 10 | $ 11,680,000 | $ 1,168,000 | $ 602,000 |
| Kahului-Wailuku-Lahaina, HI | 9 | $ 8,665,000 | $ 962,777 | $ 192,000 |
| North Port-Sarasota-Bradenton, FL | 9 | $ 6,255,000 | $ 695,000 | $ 618,000 |
| Boise City, ID | 8 | $ 4,310,000 | $ 538,750 | $ 553,000 |
| Fort Worth-Arlington, TX | 8 | $ 10,980,000 | $ 1,372,500 | $ 1,750,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 8 | $ 11,990,000 | $ 1,498,750 | $ 300,000 |
| Jacksonville, FL | 8 | $ 7,560,000 | $ 945,000 | $ 403,000 |
| Naples-Immokalee-Marco Island, FL | 8 | $ 6,320,000 | $ 790,000 | $ 839,000 |
| Santa Maria-Santa Barbara, CA | 8 | $ 4,760,000 | $ 595,000 | $ 789,000 |
| Bridgeport-Stamford-Norwalk, CT | 7 | $ 13,715,000 | $ 1,959,285 | $ 884,000 |
| Everett, WA | 7 | $ 2,215,000 | $ 316,428 | $ 126,000 |
| McAllen-Edinburg-Mission, TX | 7 | $ 2,065,000 | $ 295,000 | $ 56,000 |
| Chicago-Naperville, IL | 6 | $ 3,530,000 | $ 588,333 | $ 1,067,000 |
| Napa, CA | 6 | $ 4,450,000 | $ 741,666 | $ 1,220,000 |
| San Rafael, CA | 6 | $ 5,180,000 | $ 863,333 | $ 1,122,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 6 | $ 10,730,000 | $ 1,788,333 | $ 6,000 |
| Flagstaff, AZ | 5 | $ 4,985,000 | $ 997,000 | $ 1,263,000 |
| Lakewood-New Brunswick, NJ | 5 | $ 4,945,000 | $ 989,000 | $ 180,000 |
| Marietta, GA | 5 | $ 3,885,000 | $ 777,000 | $ 710,000 |
| Modesto, CA | 5 | $ 3,165,000 | $ 633,000 | $ 246,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 5 | $ 1,915,000 | $ 383,000 | $ 270,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 5 | $ 3,565,000 | $ 713,000 | $ 458,000 |
| Santa Cruz-Watsonville, CA | 5 | $ 4,285,000 | $ 857,000 | $ 233,000 |
| St. George, UT | 5 | $ 4,705,000 | $ 941,000 | $ 622,000 |
| Stockton-Lodi, CA | 5 | $ 3,025,000 | $ 605,000 | $ 384,000 |
| Tucson, AZ | 5 | $ 2,055,000 | $ 411,000 | $ 141,000 |
| Washington-Baltimore-Arlington, DC | 5 | $ 2,875,000 | $ 575,000 | $ 174,000 |
| Arlington-Alexandria-Reston, VA-WV | 4 | $ 3,460,000 | $ 865,000 | $ 278,000 |
| Baltimore-Columbia-Towson, MD | 4 | $ 1,920,000 | $ 480,000 | $ 931,000 |
| Bellingham, WA | 4 | $ 3,010,000 | $ 752,500 | $ 185,000 |
| Cambridge-Newton-Framingham, MA | 4 | $ 3,080,000 | $ 770,000 | $ 27,000 |
| Charleston-North Charleston, SC | 4 | $ 6,510,000 | $ 1,627,500 | $ 670,000 |
| Port St. Lucie, FL | 4 | $ 2,870,000 | $ 717,500 | $ 116,000 |
| Tyler, TX | 4 | $ 1,140,000 | $ 285,000 | $ 0 |
| Boulder, CO | 3 | $ 4,165,000 | $ 1,388,333 | $ 559,000 |
| Fort Collins, CO | 3 | $ 2,425,000 | $ 808,333 | $ 169,000 |
| Homosassa Springs, FL | 3 | $ 1,155,000 | $ 385,000 | $ 150,000 |
| Lake Havasu City-Kingman, AZ | 3 | $ 5,715,000 | $ 1,905,000 | $ 1,866,000 |
| New York-Jersey City-White Plains, NY-NJ | 3 | $ 3,485,000 | $ 1,161,666 | $ 269,000 |
| Olympia-Tumwater, WA | 3 | $ 1,345,000 | $ 448,333 | $ 139,000 |
| Panama City, FL | 3 | $ 3,935,000 | $ 1,311,666 | $ 0 |
| Rome, GA | 3 | $ 905,000 | $ 301,666 | $ 104,000 |
| Tacoma-Lakewood, WA | 3 | $ 1,175,000 | $ 391,666 | $ 394,000 |
| Bakersfield, CA | 2 | $ 410,000 | $ 205,000 | $ 57,000 |
| Barnstable Town, MA | 2 | $ 910,000 | $ 455,000 | $ 35,000 |
| Bozeman, MT | 2 | $ 3,340,000 | $ 1,670,000 | $ 835,000 |
| Bremerton-Silverdale, WA | 2 | $ 2,150,000 | $ 1,075,000 | $ 432,000 |
| Corpus Christi, TX | 2 | $ 2,230,000 | $ 1,115,000 | $ 55,000 |
| Durham-Chapel Hill, NC | 2 | $ 660,000 | $ 330,000 | $ 477,000 |
| El Paso, TX | 2 | $ 2,430,000 | $ 1,215,000 | $ 422,000 |
| Elgin, IL | 2 | $ 780,000 | $ 390,000 | $ 629,000 |
| Fresno, CA | 2 | $ 540,000 | $ 270,000 | $ 1,000 |
| Greensboro-High Point, NC | 2 | $ 590,000 | $ 295,000 | $ 243,000 |
| Greenville-Anderson-Mauldin, SC | 2 | $ 720,000 | $ 360,000 | $ 180,000 |
| Indianapolis-Carmel-Anderson, IN | 2 | $ 1,350,000 | $ 675,000 | $ 0 |
| Killeen-Temple, TX | 2 | $ 890,000 | $ 445,000 | $ 111,000 |
| Knoxville, TN | 2 | $ 690,000 | $ 345,000 | $ 319,000 |
| Lakeland-Winter Haven, FL | 2 | $ 720,000 | $ 360,000 | $ 77,000 |
| Manchester-Nashua, NH | 2 | $ 700,000 | $ 350,000 | $ 13,000 |
| Missoula, MT | 2 | $ 1,590,000 | $ 795,000 | $ 446,000 |
| Ocala, FL | 2 | $ 940,000 | $ 470,000 | $ 282,000 |
| Ogden-Clearfield, UT | 2 | $ 1,020,000 | $ 510,000 | $ 127,000 |
| Prescott Valley-Prescott, AZ | 2 | $ 1,290,000 | $ 645,000 | $ 2,839,000 |
| Providence-Warwick, RI-MA | 2 | $ 920,000 | $ 460,000 | $ 9,500 |
| Punta Gorda, FL | 2 | $ 1,130,000 | $ 565,000 | $ 0 |
| Redding, CA | 2 | $ 1,510,000 | $ 755,000 | $ 300,000 |
| Rockingham County-Strafford County, NH | 2 | $ 850,000 | $ 425,000 | $ 84,000 |
| Salem, OR | 2 | $ 460,000 | $ 230,000 | $ 68,000 |
| Santa Rosa, CA | 2 | $ 1,110,000 | $ 555,000 | $ 296,000 |
| Savannah, GA | 2 | $ 490,000 | $ 245,000 | $ 92,000 |
| Vallejo-Fairfield, CA | 2 | $ 1,410,000 | $ 705,000 | $ 893,000 |
| Chattanooga, TN-GA | 1 | $ 275,000 | $ 275,000 | $ 204,000 |
| Coeur D'Alene, ID | 1 | $ 995,000 | $ 995,000 | $ 328,000 |
| Daphne-Fairhope-Foley, AL | 1 | $ 605,000 | $ 605,000 | $ 1,212,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 205,000 | $ 205,000 | $ 351,000 |
| El Centro, CA | 1 | $ 425,000 | $ 425,000 | $ 0 |
| Elkhart-Goshen, IN | 1 | $ 405,000 | $ 405,000 | $ 3,893,000 |
| Eugene, OR | 1 | $ 425,000 | $ 425,000 | $ 355,000 |
| Gainesville, FL | 1 | $ 305,000 | $ 305,000 | $ 312,000 |
| Gainesville, GA | 1 | $ 305,000 | $ 305,000 | $ 63,000 |
| Longview, WA | 1 | $ 445,000 | $ 445,000 | $ 208,000 |
| Memphis, TN-MS-AR | 1 | $ 635,000 | $ 635,000 | $ 919,000 |
| Merced, CA | 1 | $ 385,000 | $ 385,000 | $ 0 |
| Montgomery County-Bucks County-Chester County, PA | 1 | $ 545,000 | $ 545,000 | $ 2,000 |
| Mount Vernon-Anacortes, WA | 1 | $ 655,000 | $ 655,000 | $ 142,000 |
| New Haven-Milford, CT | 1 | $ 355,000 | $ 355,000 | $ 0 |
| Newark, NJ-PA | 1 | $ 395,000 | $ 395,000 | $ 0 |
| Norwich-New London, CT | 1 | $ 695,000 | $ 695,000 | $ 0 |
| Oklahoma City, OK | 1 | $ 335,000 | $ 335,000 | $ 0 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 385,000 | $ 385,000 | $ 2,062,000 |
| Pinehurst-Southern Pines, NC | 1 | $ 1,445,000 | $ 1,445,000 | $ 0 |
| Pittsburgh, PA | 1 | $ 215,000 | $ 215,000 | $ 2,000 |
| Pueblo, CO | 1 | $ 315,000 | $ 315,000 | $ 89,000 |
| Reno, NV | 1 | $ 2,135,000 | $ 2,135,000 | $ 0 |
| Richmond, VA | 1 | $ 355,000 | $ 355,000 | $ 142,000 |
| Sebastian-Vero Beach, FL | 1 | $ 215,000 | $ 215,000 | $ 3,000 |
| Shreveport-Bossier City, LA | 1 | $ 975,000 | $ 975,000 | $ 2,000 |
| Slidell-Mandeville-Covington, LA | 1 | $ 375,000 | $ 375,000 | $ 4,000 |
| St. Louis, MO-IL | 1 | $ 365,000 | $ 365,000 | $ 0 |
| Visalia-Porterville, CA | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Waco, TX | 1 | $ 485,000 | $ 485,000 | $ 34,000 |
| Washington, DC-MD | 1 | $ 395,000 | $ 395,000 | $ 0 |
| Waterbury-Shelton, CT | 1 | $ 575,000 | $ 575,000 | $ 360,000 |
| Wildwood-The Villages, FL | 1 | $ 2,625,000 | $ 2,625,000 | $ 3,714,000 |
| Wilmington, NC | 1 | $ 755,000 | $ 755,000 | $ 569,000 |
| Worcester, MA-CT | 1 | $ 335,000 | $ 335,000 | $ 202,000 |
Mortgage Loan Application Detail Totals for Fundloans Capital 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 | 1,076 | $866,330,000 | $805,000 | $4,505,000 | $729,000 | $9,979,000 |
| Home Purchase | 551 | $625,105,000 | $1,134,000 | $6,505,000 | $678,000 | $9,102,000 |
| Refinancing | 253 | $361,285,000 | $1,428,000 | $6,005,000 | $696,000 | $7,800,000 |
| Home Improvement | 92 | $70,470,000 | $765,000 | $3,705,000 | $786,000 | $4,805,000 |
| 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 | 843 | $916,495,000 | $1,087,000 | $6,505,000 | $782,000 | $9,979,000 |
| Not Provided | 485 | $489,355,000 | $1,008,000 | $6,005,000 | $824,000 | $9,102,000 |
| Hispanic | 331 | $256,595,000 | $775,000 | $4,295,000 | $540,000 | $7,122,000 |
| Asian | 231 | $203,155,000 | $879,000 | $4,505,000 | $598,000 | $6,985,000 |
| Black or African American | 64 | $39,990,000 | $624,000 | $2,485,000 | $337,000 | $5,832,000 |
| American Indian or Alaskan Native | 11 | $14,515,000 | $1,319,000 | $3,365,000 | $639,000 | $2,034,000 |
| Native Hawaiian or Other Pacific Islander | 6 | $2,800,000 | $466,000 | $935,000 | $509,000 | $728,000 |
| Not applicable | 1 | $285,000 | $285,000 | $285,000 | $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) | 1,972 | $1,923,190,000 | $975,000 | $6,505,000 | $714,000 | $9,979,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 957 | $913,365,000 | $954,000 | $6,505,000 | $734,000 | $9,137,000 |
| Application Withdrawn By Applicant | 797 | $782,045,000 | $981,000 | $6,005,000 | $716,000 | $8,453,000 |
| File Closed For Incompleteness | 125 | $122,985,000 | $983,000 | $4,505,000 | $688,000 | $9,979,000 |
| Application Denied By Financial Institution | 93 | $104,795,000 | $1,126,000 | $6,005,000 | $513,000 | $7,122,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 1,879 | $1,818,395,000 | $967,000 | $6,505,000 | $723,000 | $9,979,000 |
| Other | 25 | $35,365,000 | $1,414,000 | $6,005,000 | $523,000 | $4,805,000 |
| Collateral | 24 | $30,830,000 | $1,284,000 | $4,005,000 | $460,000 | $1,599,000 |
| Credit History | 21 | $16,345,000 | $778,000 | $4,755,000 | $379,000 | $2,281,000 |
| Debt-To-Income Ratio | 12 | $9,380,000 | $781,000 | $2,905,000 | $284,000 | $597,000 |
| Unverifiable Information | 9 | $10,235,000 | $1,137,000 | $2,005,000 | $1,192,000 | $7,122,000 |
| Employment History | 1 | $505,000 | $505,000 | $505,000 | $1,200,000 | $1,200,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $2,135,000 | $2,135,000 | $2,135,000 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Fundloans Capital'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 Fundloans Capital'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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