Lending 3, Inc Mortgage Lending & HMDA Data, 2018
In 2018, Lending 3, Inc of Fountain Valley, CA reported 827 mortgage applications totaling $264.1 million. The average application was for $319,340, and applicants reported an average income of $88,371. 10% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (264), Riverside-San Bernardino-Ontario, CA (178) and Anaheim-Santa Ana-Irvine, CA (39) (applications in parentheses).
| Mortgage Company & Address | Lending 3, Inc 17220 Newhope St. Suite 213 Fountain Valley, CA 92708 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2023 2022 2021 2020 2019 2018 |
| Total Number of Mortgage Applications | 827 |
| Total Mortgage Loan Application Amount | $264,095,000 |
| Average Mortgage Loan Application Amount | $319,340 |
| Highest Mortgage Loan Application Amount | $1,495,000 |
| Average Applicant Income | $88,371 |
| Highest Applicant Income | $1,868,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Lending 3, Inc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 264 | $ 106,050,000 | $ 401,704 | $ 100,000 |
| San Bernardino, California | 92 | $ 24,980,000 | $ 271,521 | $ 78,000 |
| Riverside, California | 86 | $ 25,350,000 | $ 294,767 | $ 88,000 |
| Orange, California | 39 | $ 17,015,000 | $ 436,282 | $ 107,000 |
| Maricopa, Arizona | 25 | $ 5,385,000 | $ 215,400 | $ 71,000 |
| Kern, California | 17 | $ 3,195,000 | $ 187,941 | $ 62,000 |
| San Diego, California | 15 | $ 6,415,000 | $ 427,666 | $ 101,000 |
| Prince George's, Maryland | 13 | $ 3,295,000 | $ 253,461 | $ 71,000 |
| Cook, Illinois | 11 | $ 1,415,000 | $ 128,636 | $ 52,000 |
| Contra Costa, California | 10 | $ 4,970,000 | $ 497,000 | $ 124,000 |
| Denver, Colorado | 9 | $ 1,955,000 | $ 217,222 | $ 81,000 |
| Arapahoe, Colorado | 8 | $ 2,090,000 | $ 261,250 | $ 65,000 |
| El Paso, Colorado | 8 | $ 1,720,000 | $ 215,000 | $ 62,000 |
| Alameda, California | 7 | $ 3,175,000 | $ 453,571 | $ 107,000 |
| Fresno, California | 6 | $ 1,220,000 | $ 203,333 | $ 82,000 |
| Sacramento, California | 6 | $ 1,690,000 | $ 281,666 | $ 85,000 |
| Clark, Nevada | 6 | $ 1,290,000 | $ 215,000 | $ 62,000 |
| Multnomah, Oregon | 6 | $ 1,490,000 | $ 248,333 | $ 63,000 |
| Pima, Arizona | 5 | $ 1,495,000 | $ 299,000 | $ 83,000 |
| San Joaquin, California | 5 | $ 1,805,000 | $ 361,000 | $ 150,000 |
| Adams, Colorado | 5 | $ 1,335,000 | $ 267,000 | $ 61,000 |
| Larimer, Colorado | 5 | $ 1,255,000 | $ 251,000 | $ 69,000 |
| Weld, Colorado | 5 | $ 1,075,000 | $ 215,000 | $ 62,000 |
| Marion, Oregon | 5 | $ 1,455,000 | $ 291,000 | $ 72,000 |
| Tarrant, Texas | 5 | $ 665,000 | $ 133,000 | $ 230,000 |
| Kings, California | 4 | $ 960,000 | $ 240,000 | $ 111,000 |
| Monterey, California | 4 | $ 1,340,000 | $ 335,000 | $ 79,000 |
| San Mateo, California | 4 | $ 2,320,000 | $ 580,000 | $ 120,000 |
| Miami-Dade, Florida | 4 | $ 980,000 | $ 245,000 | $ 61,000 |
| DeKalb, Georgia | 4 | $ 890,000 | $ 222,500 | $ 82,000 |
| Gwinnett, Georgia | 4 | $ 750,000 | $ 187,500 | $ 57,000 |
| Baltimore, Maryland | 4 | $ 1,070,000 | $ 267,500 | $ 102,000 |
| Ventura, California | 3 | $ 1,235,000 | $ 411,666 | $ 169,000 |
| Douglas, Colorado | 3 | $ 715,000 | $ 238,333 | $ 50,000 |
| Jefferson, Colorado | 3 | $ 935,000 | $ 311,666 | $ 85,000 |
| Osceola, Florida | 3 | $ 655,000 | $ 218,333 | $ 50,000 |
| Polk, Florida | 3 | $ 595,000 | $ 198,333 | $ 59,000 |
| Seminole, Florida | 3 | $ 645,000 | $ 215,000 | $ 41,000 |
| Volusia, Florida | 3 | $ 545,000 | $ 181,666 | $ 19,000 |
| Anne Arundel, Maryland | 3 | $ 835,000 | $ 278,333 | $ 54,000 |
| Carroll, Maryland | 3 | $ 565,000 | $ 188,333 | $ 40,000 |
| Harford, Maryland | 3 | $ 655,000 | $ 218,333 | $ 72,000 |
| Mohave, Arizona | 2 | $ 540,000 | $ 270,000 | $ 155,000 |
| Yavapai, Arizona | 2 | $ 480,000 | $ 240,000 | $ 68,000 |
| Santa Barbara, California | 2 | $ 870,000 | $ 435,000 | $ 88,000 |
| Stanislaus, California | 2 | $ 600,000 | $ 300,000 | $ 49,000 |
| Logan, Colorado | 2 | $ 210,000 | $ 105,000 | $ 44,000 |
| Clay, Florida | 2 | $ 440,000 | $ 220,000 | $ 83,000 |
| Flagler, Florida | 2 | $ 320,000 | $ 160,000 | $ 0 |
| Hillsborough, Florida | 2 | $ 400,000 | $ 200,000 | $ 58,000 |
| Santa Rosa, Florida | 2 | $ 570,000 | $ 285,000 | $ 108,000 |
| Cherokee, Georgia | 2 | $ 680,000 | $ 340,000 | $ 121,000 |
| Cobb, Georgia | 2 | $ 330,000 | $ 165,000 | $ 22,000 |
| Fulton, Georgia | 2 | $ 420,000 | $ 210,000 | $ 65,000 |
| Howard, Maryland | 2 | $ 430,000 | $ 215,000 | $ 88,000 |
| Douglas, Oregon | 2 | $ 360,000 | $ 180,000 | $ 60,000 |
| Jackson, Oregon | 2 | $ 440,000 | $ 220,000 | $ 52,000 |
| Lane, Oregon | 2 | $ 370,000 | $ 185,000 | $ 63,000 |
| Dallas, Texas | 2 | $ 550,000 | $ 275,000 | $ 99,000 |
| El Paso, Texas | 2 | $ 340,000 | $ 170,000 | $ 93,000 |
| Cochise, Arizona | 1 | $ 325,000 | $ 325,000 | $ 250,000 |
| Coconino, Arizona | 1 | $ 195,000 | $ 195,000 | $ 36,000 |
| Pinal, Arizona | 1 | $ 205,000 | $ 205,000 | $ 80,000 |
| Butte, California | 1 | $ 145,000 | $ 145,000 | $ 54,000 |
| Humboldt, California | 1 | $ 235,000 | $ 235,000 | $ 52,000 |
| Madera, California | 1 | $ 155,000 | $ 155,000 | $ 93,000 |
| Nevada, California | 1 | $ 355,000 | $ 355,000 | $ 160,000 |
| Placer, California | 1 | $ 515,000 | $ 515,000 | $ 120,000 |
| Plumas, California | 1 | $ 305,000 | $ 305,000 | $ 150,000 |
| San Luis Obispo, California | 1 | $ 295,000 | $ 295,000 | $ 46,000 |
| Santa Clara, California | 1 | $ 345,000 | $ 345,000 | $ 175,000 |
| Santa Cruz, California | 1 | $ 295,000 | $ 295,000 | $ 106,000 |
| Solano, California | 1 | $ 245,000 | $ 245,000 | $ 44,000 |
| Sonoma, California | 1 | $ 465,000 | $ 465,000 | $ 87,000 |
| Tulare, California | 1 | $ 145,000 | $ 145,000 | $ 59,000 |
| Boulder, Colorado | 1 | $ 345,000 | $ 345,000 | $ 144,000 |
| Broomfield, Colorado | 1 | $ 245,000 | $ 245,000 | $ 90,000 |
| Delta, Colorado | 1 | $ 185,000 | $ 185,000 | $ 39,000 |
| La Plata, Colorado | 1 | $ 335,000 | $ 335,000 | $ 133,000 |
| Mesa, Colorado | 1 | $ 275,000 | $ 275,000 | $ 79,000 |
| Montrose, Colorado | 1 | $ 155,000 | $ 155,000 | $ 80,000 |
| Morgan, Colorado | 1 | $ 255,000 | $ 255,000 | $ 169,000 |
| Brevard, Florida | 1 | $ 225,000 | $ 225,000 | $ 56,000 |
| Broward, Florida | 1 | $ 75,000 | $ 75,000 | $ 48,000 |
| Duval, Florida | 1 | $ 365,000 | $ 365,000 | $ 0 |
| Indian River, Florida | 1 | $ 585,000 | $ 585,000 | $ 147,000 |
| Martin, Florida | 1 | $ 165,000 | $ 165,000 | $ 73,000 |
| Monroe, Florida | 1 | $ 355,000 | $ 355,000 | $ 81,000 |
| Palm Beach, Florida | 1 | $ 285,000 | $ 285,000 | $ 69,000 |
| Sarasota, Florida | 1 | $ 125,000 | $ 125,000 | $ 52,000 |
| St. Johns, Florida | 1 | $ 125,000 | $ 125,000 | $ 51,000 |
| St. Lucie, Florida | 1 | $ 355,000 | $ 355,000 | $ 85,000 |
| Clayton, Georgia | 1 | $ 95,000 | $ 95,000 | $ 37,000 |
| Douglas, Georgia | 1 | $ 205,000 | $ 205,000 | $ 28,000 |
| Fayette, Georgia | 1 | $ 215,000 | $ 215,000 | $ 115,000 |
| Gordon, Georgia | 1 | $ 175,000 | $ 175,000 | $ 45,000 |
| Hall, Georgia | 1 | $ 175,000 | $ 175,000 | $ 47,000 |
| Harris, Georgia | 1 | $ 215,000 | $ 215,000 | $ 68,000 |
| Morgan, Georgia | 1 | $ 345,000 | $ 345,000 | $ 90,000 |
| Paulding, Georgia | 1 | $ 125,000 | $ 125,000 | $ 53,000 |
| Pike, Georgia | 1 | $ 115,000 | $ 115,000 | $ 62,000 |
| Richmond, Georgia | 1 | $ 135,000 | $ 135,000 | $ 52,000 |
| DuPage, Illinois | 1 | $ 365,000 | $ 365,000 | $ 54,000 |
| Grundy, Illinois | 1 | $ 215,000 | $ 215,000 | $ 46,000 |
| Lake, Illinois | 1 | $ 125,000 | $ 125,000 | $ 40,000 |
| McHenry, Illinois | 1 | $ 175,000 | $ 175,000 | $ 53,000 |
| Will, Illinois | 1 | $ 305,000 | $ 305,000 | $ 83,000 |
| Baltimore City, Maryland | 1 | $ 225,000 | $ 225,000 | $ 46,000 |
| Cecil, Maryland | 1 | $ 235,000 | $ 235,000 | $ 88,000 |
| Charles, Maryland | 1 | $ 265,000 | $ 265,000 | $ 71,000 |
| Montgomery, Maryland | 1 | $ 995,000 | $ 995,000 | $ 292,000 |
| Talbot, Maryland | 1 | $ 135,000 | $ 135,000 | $ 84,000 |
| Benton, Oregon | 1 | $ 255,000 | $ 255,000 | $ 48,000 |
| Curry, Oregon | 1 | $ 325,000 | $ 325,000 | $ 68,000 |
| Linn, Oregon | 1 | $ 185,000 | $ 185,000 | $ 58,000 |
| Polk, Oregon | 1 | $ 195,000 | $ 195,000 | $ 51,000 |
| Bexar, Texas | 1 | $ 185,000 | $ 185,000 | $ 54,000 |
| Fort Bend, Texas | 1 | $ 195,000 | $ 195,000 | $ 375,000 |
| Gillespie, Texas | 1 | $ 245,000 | $ 245,000 | $ 122,000 |
| Harris, Texas | 1 | $ 265,000 | $ 265,000 | $ 99,000 |
| Lubbock, Texas | 1 | $ 245,000 | $ 245,000 | $ 94,000 |
| Nueces, Texas | 1 | $ 125,000 | $ 125,000 | $ 83,000 |
| Wichita, Texas | 1 | $ 145,000 | $ 145,000 | $ 118,000 |
Mortgage Loan Application Detail Totals for Lending 3, Inc in 2018
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 | 379 | $110,595,000 | $291,000 | $1,235,000 | $81,000 | $321,000 |
| Home Purchase | 292 | $101,100,000 | $346,000 | $1,005,000 | $96,000 | $877,000 |
| Refinancing | 80 | $29,400,000 | $367,000 | $1,495,000 | $111,000 | $1,868,000 |
| Not Applicable | 76 | $23,000,000 | $302,000 | $605,000 | $72,000 | $223,000 |
| Other Purpose | 0 | $0 | $0 | $0 | $0 | $0 |
| Home Improvement | 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 |
|---|---|---|---|---|---|---|
| Hispanic | 328 | $106,450,000 | $324,000 | $995,000 | $82,000 | $877,000 |
| White | 218 | $64,160,000 | $294,000 | $1,005,000 | $79,000 | $436,000 |
| Not Provided | 118 | $38,440,000 | $325,000 | $775,000 | $99,000 | $375,000 |
| Black or African American | 98 | $28,890,000 | $294,000 | $1,495,000 | $98,000 | $1,868,000 |
| Asian | 52 | $21,710,000 | $417,000 | $1,235,000 | $128,000 | $248,000 |
| American Indian or Alaskan Native | 5 | $1,905,000 | $381,000 | $715,000 | $121,000 | $242,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $1,875,000 | $375,000 | $505,000 | $103,000 | $137,000 |
| Not applicable | 2 | $400,000 | $200,000 | $225,000 | $43,000 | $49,000 |
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) | 361 | $122,345,000 | $338,000 | $1,495,000 | $104,000 | $1,868,000 |
| FHA-insured (Federal Housing Administration) | 358 | $111,620,000 | $311,000 | $885,000 | $79,000 | $274,000 |
| VA-guaranteed (Veterans Administration) | 105 | $29,565,000 | $281,000 | $865,000 | $70,000 | $250,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $565,000 | $188,000 | $295,000 | $56,000 | $78,000 |
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 Purchased By The Institution | 517 | $166,025,000 | $321,000 | $1,235,000 | $89,000 | $877,000 |
| Application Withdrawn By Applicant | 124 | $42,500,000 | $342,000 | $1,495,000 | $103,000 | $1,868,000 |
| Loan Originated | 83 | $26,065,000 | $314,000 | $1,005,000 | $81,000 | $223,000 |
| Application Denied By Financial Institution | 41 | $11,215,000 | $273,000 | $685,000 | $69,000 | $218,000 |
| Application Approved But Not Accepted | 36 | $9,790,000 | $271,000 | $535,000 | $77,000 | $232,000 |
| File Closed For Incompleteness | 26 | $8,500,000 | $326,000 | $1,005,000 | $77,000 | $204,000 |
| 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 | 786 | $252,880,000 | $321,000 | $1,495,000 | $90,000 | $1,868,000 |
| Debt-To-Income Ratio | 22 | $6,980,000 | $317,000 | $685,000 | $63,000 | $133,000 |
| Credit History | 7 | $1,785,000 | $255,000 | $395,000 | $88,000 | $218,000 |
| Other | 6 | $1,060,000 | $176,000 | $285,000 | $47,000 | $77,000 |
| Unverifiable Information | 2 | $480,000 | $240,000 | $345,000 | $123,000 | $173,000 |
| Collateral | 2 | $230,000 | $115,000 | $115,000 | $66,000 | $95,000 |
| Employment History | 2 | $680,000 | $340,000 | $495,000 | $89,000 | $133,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $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 Lending 3, Inc's 2018 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 Lending 3, 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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