Lending 3, Inc Mortgage Lending & HMDA Data, 2019
In 2019, Lending 3, Inc of Fountain Valley, CA reported 1,431 mortgage applications totaling $424.9 million, up 73% from 2018. The average application was for $296,928, and applicants reported an average income of $62,139. 26% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (267), Riverside-San Bernardino-Ontario, CA (248) and Atlanta-Sandy Springs-Roswell, GA (92) (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 | 1,431 |
| Total Mortgage Loan Application Amount | $424,905,000 |
| Average Mortgage Loan Application Amount | $296,928 |
| Highest Mortgage Loan Application Amount | $3,005,000 |
| Average Applicant Income | $62,139 |
| Highest Applicant Income | $1,791,000 |
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Act (HMDA) records Lending 3, Inc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | 267 | $ 106,645,000 | $ 399,419 | $ 92,000 |
| Riverside-San Bernardino-Ontario, CA | 248 | $ 75,490,000 | $ 304,395 | $ 75,000 |
| Atlanta-Sandy Springs-Roswell, GA | 92 | $ 19,390,000 | $ 210,760 | $ 34,000 |
| Phoenix-Mesa-Scottsdale, AZ | 67 | $ 16,385,000 | $ 244,552 | $ 23,000 |
| Outside any metro area | 51 | $ 11,235,000 | $ 220,294 | $ 37,588 |
| Baltimore-Columbia-Towson, MD | 46 | $ 11,040,000 | $ 240,000 | $ 62,000 |
| Anaheim-Santa Ana-Irvine, CA | 42 | $ 17,950,000 | $ 427,380 | $ 135,000 |
| Orlando-Kissimmee-Sanford, FL | 32 | $ 8,110,000 | $ 253,437 | $ 115,000 |
| Colorado Springs, CO | 30 | $ 8,050,000 | $ 268,333 | $ 52,000 |
| Bakersfield, CA | 25 | $ 5,875,000 | $ 235,000 | $ 60,000 |
| Denver-Aurora-Lakewood, CO | 25 | $ 8,125,000 | $ 325,000 | $ 63,000 |
| Chicago-Naperville, IL | 24 | $ 4,430,000 | $ 184,583 | $ 61,000 |
| Tampa-St. Petersburg-Clearwater, FL | 21 | $ 4,725,000 | $ 225,000 | $ 40,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 19 | $ 5,535,000 | $ 291,315 | $ 44,000 |
| San Diego-Carlsbad, CA | 18 | $ 7,410,000 | $ 411,666 | $ 61,000 |
| Tucson, AZ | 18 | $ 3,550,000 | $ 197,222 | $ 38,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 18 | $ 5,210,000 | $ 289,444 | $ 47,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 17 | $ 5,275,000 | $ 310,294 | $ 32,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 15 | $ 3,055,000 | $ 203,666 | $ 26,000 |
| Jacksonville, FL | 15 | $ 3,475,000 | $ 231,666 | $ 47,000 |
| Houston-The Woodlands-Sugar Land, TX | 14 | $ 2,380,000 | $ 170,000 | $ 46,000 |
| Oakland-Hayward-Berkeley, CA | 14 | $ 7,580,000 | $ 541,428 | $ 79,000 |
| Miami-Miami Beach-Kendall, FL | 12 | $ 3,400,000 | $ 283,333 | $ 70,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 11 | $ 2,925,000 | $ 265,909 | $ 25,000 |
| Lakeland-Winter Haven, FL | 11 | $ 2,315,000 | $ 210,454 | $ 35,000 |
| San Antonio-New Braunfels, TX | 11 | $ 2,755,000 | $ 250,454 | $ 88,000 |
| Fresno, CA | 10 | $ 1,990,000 | $ 199,000 | $ 55,000 |
| Stockton-Lodi, CA | 9 | $ 2,705,000 | $ 300,555 | $ 56,000 |
| Augusta-Richmond County, GA-SC | 8 | $ 1,760,000 | $ 220,000 | $ 90,000 |
| Pensacola-Ferry Pass-Brent, FL | 8 | $ 1,920,000 | $ 240,000 | $ 31,000 |
| Port St. Lucie, FL | 8 | $ 1,650,000 | $ 206,250 | $ 50,000 |
| Salem, OR | 8 | $ 1,830,000 | $ 228,750 | $ 56,000 |
| Austin-Round Rock, TX | 7 | $ 1,395,000 | $ 199,285 | $ 39,000 |
| Columbus, GA-AL | 7 | $ 1,285,000 | $ 183,571 | $ 58,000 |
| Hinesville, GA | 7 | $ 1,435,000 | $ 205,000 | $ 49,000 |
| Crestview-Fort Walton Beach-Destin, FL | 6 | $ 1,280,000 | $ 213,333 | $ 57,000 |
| Greeley, CO | 6 | $ 1,540,000 | $ 256,666 | $ 0 |
| North Port-Sarasota-Bradenton, FL | 6 | $ 1,250,000 | $ 208,333 | $ 35,000 |
| Prescott Valley-Prescott, AZ | 6 | $ 1,470,000 | $ 245,000 | $ 61,000 |
| Salisbury, MD-DE | 6 | $ 1,400,000 | $ 233,333 | $ 26,000 |
| Visalia-Porterville, CA | 6 | $ 1,180,000 | $ 196,666 | $ 17,000 |
| Washington-Baltimore-Arlington, DC | 6 | $ 2,240,000 | $ 373,333 | $ 116,000 |
| Boulder, CO | 5 | $ 1,595,000 | $ 319,000 | $ 7,000 |
| Fort Worth-Arlington, TX | 5 | $ 5,505,000 | $ 1,101,000 | $ 920,000 |
| Medford, OR | 5 | $ 1,035,000 | $ 207,000 | $ 0 |
| Albany, OR | 4 | $ 1,000,000 | $ 250,000 | $ 23,000 |
| Dallas-Plano-Irving, TX | 4 | $ 720,000 | $ 180,000 | $ 31,000 |
| Ocala, FL | 4 | $ 810,000 | $ 202,500 | $ 0 |
| Oxnard-Thousand Oaks-Ventura, CA | 4 | $ 2,390,000 | $ 597,500 | $ 182,000 |
| Pueblo, CO | 4 | $ 930,000 | $ 232,500 | $ 23,000 |
| Sebastian-Vero Beach, FL | 4 | $ 1,110,000 | $ 277,500 | $ 25,000 |
| Bend-Redmond, OR | 3 | $ 805,000 | $ 268,333 | $ 26,000 |
| Brunswick, GA | 3 | $ 735,000 | $ 245,000 | $ 83,000 |
| California-Lexington Park, MD | 3 | $ 855,000 | $ 285,000 | $ 0 |
| Cape Coral-Fort Myers, FL | 3 | $ 685,000 | $ 228,333 | $ 90,000 |
| Elgin, IL | 3 | $ 455,000 | $ 151,666 | $ 54,000 |
| Eugene, OR | 3 | $ 755,000 | $ 251,666 | $ 31,000 |
| Fort Collins, CO | 3 | $ 1,065,000 | $ 355,000 | $ 25,000 |
| Hagerstown-Martinsburg, MD-WV | 3 | $ 715,000 | $ 238,333 | $ 56,000 |
| Hanford-Corcoran, CA | 3 | $ 755,000 | $ 251,666 | $ 89,000 |
| Homosassa Springs, FL | 3 | $ 505,000 | $ 168,333 | $ 0 |
| Lake Havasu City-Kingman, AZ | 3 | $ 745,000 | $ 248,333 | $ 0 |
| Modesto, CA | 3 | $ 935,000 | $ 311,666 | $ 0 |
| Palm Bay-Melbourne-Titusville, FL | 3 | $ 595,000 | $ 198,333 | $ 0 |
| Rockford, IL | 3 | $ 705,000 | $ 235,000 | $ 0 |
| St. Louis, MO-IL | 3 | $ 435,000 | $ 145,000 | $ 29,000 |
| Vallejo-Fairfield, CA | 3 | $ 1,205,000 | $ 401,666 | $ 88,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 3 | $ 665,000 | $ 221,666 | $ 0 |
| Chattanooga, TN-GA | 2 | $ 360,000 | $ 180,000 | $ 48,000 |
| El Paso, TX | 2 | $ 330,000 | $ 165,000 | $ 0 |
| Gainesville, GA | 2 | $ 370,000 | $ 185,000 | $ 0 |
| Madera, CA | 2 | $ 540,000 | $ 270,000 | $ 39,000 |
| Merced, CA | 2 | $ 390,000 | $ 195,000 | $ 48,000 |
| Punta Gorda, FL | 2 | $ 580,000 | $ 290,000 | $ 0 |
| Redding, CA | 2 | $ 460,000 | $ 230,000 | $ 88,000 |
| Rome, GA | 2 | $ 220,000 | $ 110,000 | $ 0 |
| San Jose-Sunnyvale-Santa Clara, CA | 2 | $ 780,000 | $ 390,000 | $ 165,000 |
| Santa Maria-Santa Barbara, CA | 2 | $ 890,000 | $ 445,000 | $ 120,000 |
| Santa Rosa, CA | 2 | $ 900,000 | $ 450,000 | $ 0 |
| Warner Robins, GA | 2 | $ 280,000 | $ 140,000 | $ 0 |
| Yuma, AZ | 2 | $ 260,000 | $ 130,000 | $ 15,000 |
| Athens-Clarke County, GA | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Beaumont-Port Arthur, TX | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Corpus Christi, TX | 1 | $ 405,000 | $ 405,000 | $ 0 |
| Cumberland, MD-WV | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Decatur, IL | 1 | $ 155,000 | $ 155,000 | $ 0 |
| El Centro, CA | 1 | $ 195,000 | $ 195,000 | $ 42,000 |
| Grand Junction, CO | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Grants Pass, OR | 1 | $ 575,000 | $ 575,000 | $ 191,000 |
| Kankakee, IL | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Lake County-Kenosha County, IL-WI | 1 | $ 985,000 | $ 985,000 | $ 0 |
| Macon-Bibb County, GA | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Napa, CA | 1 | $ 445,000 | $ 445,000 | $ 0 |
| Ogden-Clearfield, UT | 1 | $ 315,000 | $ 315,000 | $ 104,000 |
| Panama City, FL | 1 | $ 195,000 | $ 195,000 | $ 58,000 |
| Peoria, IL | 1 | $ 235,000 | $ 235,000 | $ 53,000 |
| Salinas, CA | 1 | $ 435,000 | $ 435,000 | $ 0 |
| San Francisco-Redwood City-South San Francisco, CA | 1 | $ 715,000 | $ 715,000 | $ 0 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 1 | $ 315,000 | $ 315,000 | $ 0 |
| San Rafael, CA | 1 | $ 625,000 | $ 625,000 | $ 0 |
| Savannah, GA | 1 | $ 95,000 | $ 95,000 | $ 70,000 |
| Sebring, FL | 1 | $ 155,000 | $ 155,000 | $ 76,000 |
| Sierra Vista-Douglas, AZ | 1 | $ 235,000 | $ 235,000 | $ 84,000 |
| Tallahassee, FL | 1 | $ 135,000 | $ 135,000 | $ 0 |
| The Villages, FL | 1 | $ 355,000 | $ 355,000 | $ 0 |
| Valdosta, GA | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Wilmington, DE-MD-NJ | 1 | $ 305,000 | $ 305,000 | $ 0 |
| Yuba City, CA | 1 | $ 275,000 | $ 275,000 | $ 0 |
Mortgage Loan Application Detail Totals for Lending 3, Inc in 2019
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 |
|---|---|---|---|---|---|---|
| Not Applicable | 731 | $217,225,000 | $297,000 | $1,195,000 | $56,000 | $58,000 |
| Cash-out Refinancing | 310 | $88,090,000 | $284,000 | $1,205,000 | $75,000 | $372,000 |
| Refinancing | 205 | $57,045,000 | $278,000 | $855,000 | $27,000 | $537,000 |
| Home Purchase | 168 | $58,490,000 | $348,000 | $3,005,000 | $108,000 | $1,791,000 |
| Other Purpose | 17 | $4,055,000 | $238,000 | $475,000 | $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 |
|---|---|---|---|---|---|---|
| White | 572 | $152,310,000 | $266,000 | $3,005,000 | $60,000 | $1,791,000 |
| Hispanic | 315 | $101,145,000 | $321,000 | $685,000 | $66,000 | $195,000 |
| Not Provided | 228 | $81,080,000 | $355,000 | $1,685,000 | $98,000 | $873,000 |
| Black or African American | 205 | $54,515,000 | $265,000 | $845,000 | $55,000 | $180,000 |
| Not applicable | 76 | $22,430,000 | $295,000 | $1,195,000 | $54,000 | $54,000 |
| Asian | 31 | $11,725,000 | $378,000 | $715,000 | $123,000 | $372,000 |
| American Indian or Alaskan Native | 2 | $800,000 | $400,000 | $405,000 | $141,000 | $159,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $900,000 | $450,000 | $695,000 | $155,000 | $155,000 |
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 |
|---|---|---|---|---|---|---|
| VA-guaranteed (Veterans Administration) | 683 | $175,215,000 | $256,000 | $915,000 | $42,000 | $276,000 |
| FHA-insured (Federal Housing Administration) | 397 | $129,365,000 | $325,000 | $885,000 | $68,000 | $206,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 350 | $119,980,000 | $342,000 | $3,005,000 | $115,000 | $1,791,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $345,000 | $345,000 | $345,000 | $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 Purchased By The Institution | 874 | $259,470,000 | $296,000 | $1,195,000 | $71,000 | $265,000 |
| Loan Originated | 377 | $108,565,000 | $287,000 | $845,000 | $59,000 | $537,000 |
| Application Withdrawn By Applicant | 139 | $44,645,000 | $321,000 | $3,005,000 | $89,000 | $1,791,000 |
| Application Denied By Financial Institution | 22 | $6,820,000 | $310,000 | $855,000 | $60,000 | $127,000 |
| File Closed For Incompleteness | 15 | $4,155,000 | $277,000 | $545,000 | $73,000 | $127,000 |
| Application Approved But Not Accepted | 4 | $1,250,000 | $312,000 | $495,000 | $58,000 | $108,000 |
| 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 | 1,409 | $418,085,000 | $296,000 | $3,005,000 | $68,000 | $1,791,000 |
| Other | 7 | $1,915,000 | $273,000 | $535,000 | $34,000 | $115,000 |
| Debt-To-Income Ratio | 7 | $2,925,000 | $417,000 | $855,000 | $79,000 | $127,000 |
| Unverifiable Information | 3 | $1,095,000 | $365,000 | $545,000 | $82,000 | $126,000 |
| Credit History | 3 | $605,000 | $201,000 | $235,000 | $55,000 | $75,000 |
| Collateral | 2 | $280,000 | $140,000 | $175,000 | $58,000 | $69,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 Lending 3, Inc's 2019 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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