Griffin Funding Inc. Mortgage Lending & HMDA Data, 2025
In 2025, Griffin Funding Inc. of San Diego, CA reported 444 mortgage applications totaling $166.1 million, up 144% from 2024. The average application was for $374,076, and applicants reported an average income of $273,671. 43% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Atlanta-Sandy Springs-Roswell, GA (15), Phoenix-Mesa-Scottsdale, AZ (12) and Houston-The Woodlands-Sugar Land, TX (11) (applications in parentheses).
| Mortgage Company & Address | Griffin Funding Inc. 2445 5th Ave Suite 401 San Diego, CA 92101 |
| Federal Regulator | * available with data download |
| Years | 2025 2024 |
| Total Number of Mortgage Applications | 444 |
| Total Mortgage Loan Application Amount | $166,090,000 |
| Average Mortgage Loan Application Amount | $374,076 |
| Highest Mortgage Loan Application Amount | $3,005,000 |
| Average Applicant Income | $273,671 |
| Highest Applicant Income | $2,224,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Griffin Funding Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Outside any metro area | 83 | $ 24,295,000 | $ 292,710 | $ 181,566 |
| Atlanta-Sandy Springs-Roswell, GA | 15 | $ 5,745,000 | $ 383,000 | $ 272,000 |
| Phoenix-Mesa-Scottsdale, AZ | 12 | $ 3,590,000 | $ 299,166 | $ 359,000 |
| Houston-The Woodlands-Sugar Land, TX | 11 | $ 2,965,000 | $ 269,545 | $ 215,000 |
| Los Angeles-Long Beach-Glendale, CA | 11 | $ 3,895,000 | $ 354,090 | $ 282,000 |
| Oklahoma City, OK | 10 | $ 1,570,000 | $ 157,000 | $ 131,000 |
| St. Louis, MO-IL | 9 | $ 1,105,000 | $ 122,777 | $ 0 |
| Las Vegas-Henderson-Paradise, NV | 8 | $ 4,580,000 | $ 572,500 | $ 334,000 |
| Cleveland, OH | 7 | $ 1,125,000 | $ 160,714 | $ 132,000 |
| Dallas-Plano-Irving, TX | 7 | $ 2,225,000 | $ 317,857 | $ 399,000 |
| San Diego-Carlsbad, CA | 7 | $ 8,365,000 | $ 1,195,000 | $ 336,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 7 | $ 3,725,000 | $ 532,142 | $ 250,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 6 | $ 1,450,000 | $ 241,666 | $ 250,000 |
| Orlando-Kissimmee-Sanford, FL | 6 | $ 3,290,000 | $ 548,333 | $ 415,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 6 | $ 2,020,000 | $ 336,666 | $ 175,000 |
| Anaheim-Santa Ana-Irvine, CA | 5 | $ 1,635,000 | $ 327,000 | $ 236,000 |
| McAllen-Edinburg-Mission, TX | 5 | $ 1,775,000 | $ 355,000 | $ 500,000 |
| Riverside-San Bernardino-Ontario, CA | 5 | $ 2,385,000 | $ 477,000 | $ 462,000 |
| Salt Lake City, UT | 5 | $ 3,495,000 | $ 699,000 | $ 1,020,000 |
| Austin-Round Rock, TX | 4 | $ 1,970,000 | $ 492,500 | $ 437,000 |
| Baltimore-Columbia-Towson, MD | 4 | $ 840,000 | $ 210,000 | $ 218,000 |
| Chicago-Naperville, IL | 4 | $ 1,200,000 | $ 300,000 | $ 308,000 |
| Detroit-Dearborn-Livonia, MI | 4 | $ 990,000 | $ 247,500 | $ 117,000 |
| Fort Worth-Arlington, TX | 4 | $ 2,830,000 | $ 707,500 | $ 236,000 |
| Hartford-West Hartford-East Hartford, CT | 4 | $ 960,000 | $ 240,000 | $ 0 |
| Idaho Falls, ID | 4 | $ 1,330,000 | $ 332,500 | $ 641,000 |
| Miami-Miami Beach-Kendall, FL | 4 | $ 3,710,000 | $ 927,500 | $ 286,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 4 | $ 4,950,000 | $ 1,237,500 | $ 186,000 |
| Syracuse, NY | 4 | $ 440,000 | $ 110,000 | $ 0 |
| Warren-Troy-Farmington Hills, MI | 4 | $ 870,000 | $ 217,500 | $ 100,000 |
| Charlotte-Concord-Gastonia, NC-SC | 3 | $ 395,000 | $ 131,666 | $ 113,000 |
| Columbia, SC | 3 | $ 1,085,000 | $ 361,666 | $ 123,000 |
| Knoxville, TN | 3 | $ 765,000 | $ 255,000 | $ 98,000 |
| Lakeland-Winter Haven, FL | 3 | $ 935,000 | $ 311,666 | $ 264,000 |
| Marietta, GA | 3 | $ 795,000 | $ 265,000 | $ 162,000 |
| Milwaukee-Waukesha-West Allis, WI | 3 | $ 1,075,000 | $ 358,333 | $ 428,000 |
| Punta Gorda, FL | 3 | $ 585,000 | $ 195,000 | $ 80,000 |
| Racine, WI | 3 | $ 495,000 | $ 165,000 | $ 0 |
| Sacramento--Roseville--Arden-Arcade, CA | 3 | $ 1,285,000 | $ 428,333 | $ 110,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 3 | $ 7,015,000 | $ 2,338,333 | $ 0 |
| Seattle-Bellevue-Everett, WA | 3 | $ 1,815,000 | $ 605,000 | $ 657,000 |
| Urban Honolulu, HI | 3 | $ 965,000 | $ 321,666 | $ 99,000 |
| Albuquerque, NM | 2 | $ 670,000 | $ 335,000 | $ 184,000 |
| Arlington-Alexandria-Reston, VA-WV | 2 | $ 1,280,000 | $ 640,000 | $ 565,000 |
| Boston, MA | 2 | $ 980,000 | $ 490,000 | $ 0 |
| Charleston-North Charleston, SC | 2 | $ 330,000 | $ 165,000 | $ 159,000 |
| Chattanooga, TN-GA | 2 | $ 470,000 | $ 235,000 | $ 87,000 |
| Coeur D'Alene, ID | 2 | $ 1,400,000 | $ 700,000 | $ 308,000 |
| Columbus, GA-AL | 2 | $ 590,000 | $ 295,000 | $ 0 |
| Dayton-Springfield-Kettering, OH | 2 | $ 270,000 | $ 135,000 | $ 0 |
| Deltona-Daytona Beach-Ormond Beach, FL | 2 | $ 680,000 | $ 340,000 | $ 222,000 |
| Eau Claire, WI | 2 | $ 630,000 | $ 315,000 | $ 77,000 |
| El Centro, CA | 2 | $ 570,000 | $ 285,000 | $ 0 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 2 | $ 410,000 | $ 205,000 | $ 1,059,000 |
| Fresno, CA | 2 | $ 290,000 | $ 145,000 | $ 65,000 |
| Indianapolis-Carmel-Anderson, IN | 2 | $ 220,000 | $ 110,000 | $ 0 |
| Jacksonville, FL | 2 | $ 380,000 | $ 190,000 | $ 58,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 2 | $ 700,000 | $ 350,000 | $ 154,000 |
| New Orleans-Metairie, LA | 2 | $ 260,000 | $ 130,000 | $ 0 |
| New York-Jersey City-White Plains, NY-NJ | 2 | $ 770,000 | $ 385,000 | $ 0 |
| North Port-Sarasota-Bradenton, FL | 2 | $ 520,000 | $ 260,000 | $ 0 |
| Oakland-Hayward-Berkeley, CA | 2 | $ 780,000 | $ 390,000 | $ 76,000 |
| Odessa, TX | 2 | $ 350,000 | $ 175,000 | $ 0 |
| Portland-Vancouver-Hillsboro, OR-WA | 2 | $ 1,360,000 | $ 680,000 | $ 234,000 |
| Provo-Orem, UT | 2 | $ 650,000 | $ 325,000 | $ 149,000 |
| Richmond, VA | 2 | $ 520,000 | $ 260,000 | $ 638,000 |
| Santa Fe, NM | 2 | $ 480,000 | $ 240,000 | $ 65,000 |
| Santa Rosa, CA | 2 | $ 3,200,000 | $ 1,600,000 | $ 352,000 |
| Tacoma-Lakewood, WA | 2 | $ 240,000 | $ 120,000 | $ 682,000 |
| Tampa, FL | 2 | $ 1,520,000 | $ 760,000 | $ 0 |
| Tyler, TX | 2 | $ 330,000 | $ 165,000 | $ 1,549,000 |
| Washington-Baltimore-Arlington, DC | 2 | $ 500,000 | $ 250,000 | $ 70,000 |
| Worcester, MA-CT | 2 | $ 560,000 | $ 280,000 | $ 201,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 1 | $ 375,000 | $ 375,000 | $ 0 |
| Anchorage, AK | 1 | $ 525,000 | $ 525,000 | $ 0 |
| Appleton, WI | 1 | $ 105,000 | $ 105,000 | $ 146,000 |
| Athens-Clarke County, GA | 1 | $ 145,000 | $ 145,000 | $ 682,000 |
| Auburn-Opelika, AL | 1 | $ 375,000 | $ 375,000 | $ 92,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Birmingham-Hoover, AL | 1 | $ 115,000 | $ 115,000 | $ 120,000 |
| Boise City, ID | 1 | $ 855,000 | $ 855,000 | $ 521,000 |
| Bozeman, MT | 1 | $ 135,000 | $ 135,000 | $ 89,000 |
| Bridgeport-Stamford-Norwalk, CT | 1 | $ 195,000 | $ 195,000 | $ 115,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Burlington-South Burlington, VT | 1 | $ 285,000 | $ 285,000 | $ 0 |
| Cambridge-Newton-Framingham, MA | 1 | $ 345,000 | $ 345,000 | $ 109,000 |
| Camden, NJ | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Cincinnati, OH-KY-IN | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Corpus Christi, TX | 1 | $ 1,265,000 | $ 1,265,000 | $ 0 |
| Denver-Aurora-Lakewood, CO | 1 | $ 765,000 | $ 765,000 | $ 487,000 |
| Durham-Chapel Hill, NC | 1 | $ 255,000 | $ 255,000 | $ 365,000 |
| Fargo, ND-MN | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Fayetteville, NC | 1 | $ 145,000 | $ 145,000 | $ 490,000 |
| Flint, MI | 1 | $ 345,000 | $ 345,000 | $ 145,000 |
| Fort Smith, AR-OK | 1 | $ 335,000 | $ 335,000 | $ 122,000 |
| Fort Wayne, IN | 1 | $ 245,000 | $ 245,000 | $ 65,000 |
| Gainesville, FL | 1 | $ 225,000 | $ 225,000 | $ 48,000 |
| Gettysburg, PA | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Greenville-Anderson-Mauldin, SC | 1 | $ 655,000 | $ 655,000 | $ 149,000 |
| Hattiesburg, MS | 1 | $ 245,000 | $ 245,000 | $ 226,000 |
| Huntsville, AL | 1 | $ 105,000 | $ 105,000 | $ 59,000 |
| Iowa City, IA | 1 | $ 445,000 | $ 445,000 | $ 137,000 |
| Jackson, MI | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Jonesboro, AR | 1 | $ 195,000 | $ 195,000 | $ 104,000 |
| Kankakee, IL | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Kennewick-Richland, WA | 1 | $ 465,000 | $ 465,000 | $ 0 |
| Kingston, NY | 1 | $ 1,705,000 | $ 1,705,000 | $ 0 |
| Kiryas Joel-Poughkeepsie-Newburgh, NY | 1 | $ 305,000 | $ 305,000 | $ 0 |
| Lake County-Kenosha County, IL-WI | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Lake County-Porter County-Jasper County, IN | 1 | $ 595,000 | $ 595,000 | $ 455,000 |
| Lakewood-New Brunswick, NJ | 1 | $ 305,000 | $ 305,000 | $ 501,000 |
| Lawton, OK | 1 | $ 255,000 | $ 255,000 | $ 109,000 |
| Lincoln, NE | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Logan, UT-ID | 1 | $ 75,000 | $ 75,000 | $ 142,000 |
| Longview, TX | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Louisville/Jefferson County, KY-IN | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Macon-Bibb County, GA | 1 | $ 225,000 | $ 225,000 | $ 85,000 |
| Memphis, TN-MS-AR | 1 | $ 485,000 | $ 485,000 | $ 178,000 |
| Midland, MI | 1 | $ 135,000 | $ 135,000 | $ 33,000 |
| Midland, TX | 1 | $ 765,000 | $ 765,000 | $ 350,000 |
| Missoula, MT | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Modesto, CA | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Montgomery County-Bucks County-Chester County, PA | 1 | $ 545,000 | $ 545,000 | $ 168,000 |
| Nassau County-Suffolk County, NY | 1 | $ 635,000 | $ 635,000 | $ 0 |
| New Haven-Milford, CT | 1 | $ 535,000 | $ 535,000 | $ 142,000 |
| Ocala, FL | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Olympia-Tumwater, WA | 1 | $ 525,000 | $ 525,000 | $ 0 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 135,000 | $ 135,000 | $ 58,000 |
| Panama City, FL | 1 | $ 685,000 | $ 685,000 | $ 187,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Philadelphia, PA | 1 | $ 115,000 | $ 115,000 | $ 229,000 |
| Pittsburgh, PA | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Providence-Warwick, RI-MA | 1 | $ 1,495,000 | $ 1,495,000 | $ 0 |
| Raleigh, NC | 1 | $ 105,000 | $ 105,000 | $ 295,000 |
| Reno, NV | 1 | $ 465,000 | $ 465,000 | $ 169,000 |
| Roanoke, VA | 1 | $ 185,000 | $ 185,000 | $ 44,000 |
| Salinas, CA | 1 | $ 185,000 | $ 185,000 | $ 0 |
| San Francisco-Redwood City-South San Francisco, CA | 1 | $ 1,225,000 | $ 1,225,000 | $ 310,000 |
| San Rafael, CA | 1 | $ 545,000 | $ 545,000 | $ 237,000 |
| Sandusky, OH | 1 | $ 465,000 | $ 465,000 | $ 181,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Sebastian-Vero Beach, FL | 1 | $ 315,000 | $ 315,000 | $ 0 |
| Springfield, IL | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Springfield, MA | 1 | $ 195,000 | $ 195,000 | $ 0 |
| St. George, UT | 1 | $ 715,000 | $ 715,000 | $ 495,000 |
| Traverse City, MI | 1 | $ 495,000 | $ 495,000 | $ 145,000 |
| Visalia-Porterville, CA | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Weirton-Steubenville, WV-OH | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Wheeling, WV-OH | 1 | $ 365,000 | $ 365,000 | $ 175,000 |
| Wilmington, DE-MD-NJ | 1 | $ 215,000 | $ 215,000 | $ 0 |
Mortgage Loan Application Detail Totals for Griffin Funding 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 |
|---|---|---|---|---|---|---|
| Refinancing | 200 | $70,880,000 | $354,000 | $3,005,000 | $306,000 | $1,549,000 |
| Home Purchase | 137 | $59,735,000 | $436,000 | $2,465,000 | $227,000 | $1,068,000 |
| Cash-out Refinancing | 107 | $35,475,000 | $331,000 | $3,005,000 | $273,000 | $2,224,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 236 | $89,970,000 | $381,000 | $3,005,000 | $280,000 | $2,224,000 |
| Not Provided | 125 | $48,475,000 | $387,000 | $3,005,000 | $260,000 | $709,000 |
| Hispanic | 31 | $8,015,000 | $258,000 | $1,195,000 | $213,000 | $1,055,000 |
| Black or African American | 28 | $10,840,000 | $387,000 | $3,005,000 | $340,000 | $1,059,000 |
| Asian | 18 | $6,620,000 | $367,000 | $1,225,000 | $199,000 | $364,000 |
| American Indian or Alaskan Native | 4 | $1,140,000 | $285,000 | $525,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 2 | $1,030,000 | $515,000 | $545,000 | $151,000 | $164,000 |
| 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) | 375 | $134,005,000 | $357,000 | $3,005,000 | $317,000 | $2,224,000 |
| FHA-insured (Federal Housing Administration) | 42 | $15,360,000 | $365,000 | $975,000 | $130,000 | $353,000 |
| VA-guaranteed (Veterans Administration) | 27 | $16,725,000 | $619,000 | $2,465,000 | $183,000 | $581,000 |
| 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 |
|---|---|---|---|---|---|---|
| Loan Originated | 191 | $75,925,000 | $397,000 | $3,005,000 | $317,000 | $2,224,000 |
| Application Withdrawn By Applicant | 158 | $59,270,000 | $375,000 | $3,005,000 | $247,000 | $1,120,000 |
| Application Denied By Financial Institution | 48 | $19,080,000 | $397,000 | $2,715,000 | $220,000 | $521,000 |
| Application Approved But Not Accepted | 23 | $5,275,000 | $229,000 | $405,000 | $226,000 | $1,059,000 |
| File Closed For Incompleteness | 18 | $3,320,000 | $184,000 | $775,000 | $210,000 | $600,000 |
| Preapproval Approved but not Accepted | 5 | $2,245,000 | $449,000 | $675,000 | $147,000 | $222,000 |
| Preapproval Denied by Financial Institution | 1 | $975,000 | $975,000 | $975,000 | $304,000 | $304,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 395 | $146,035,000 | $369,000 | $3,005,000 | $278,000 | $2,224,000 |
| Other | 17 | $6,635,000 | $390,000 | $2,505,000 | $182,000 | $490,000 |
| Collateral | 13 | $5,075,000 | $390,000 | $1,705,000 | $309,000 | $521,000 |
| Debt-To-Income Ratio | 8 | $4,750,000 | $593,000 | $2,715,000 | $314,000 | $484,000 |
| Credit History | 7 | $1,925,000 | $275,000 | $485,000 | $141,000 | $211,000 |
| Unverifiable Information | 3 | $1,525,000 | $508,000 | $975,000 | $304,000 | $304,000 |
| Credit Application Incomplete | 1 | $145,000 | $145,000 | $145,000 | $93,000 | $93,000 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Griffin Funding 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 Griffin Funding 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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