Lending 3, Inc Mortgage Lending & HMDA Data, 2020
In 2020, Lending 3, Inc of Fountain Valley, CA reported 3,089 mortgage applications totaling $973.8 million, up 116% from 2019. The average application was for $315,246, and applicants reported an average income of $71,989. 26% of its applications resulted in an originated loan and 1% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (732), Riverside-San Bernardino-Ontario, CA (708) and Anaheim-Santa Ana-Irvine, CA (149) (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 | 3,089 |
| Total Mortgage Loan Application Amount | $973,795,000 |
| Average Mortgage Loan Application Amount | $315,246 |
| Highest Mortgage Loan Application Amount | $1,235,000 |
| Average Applicant Income | $71,989 |
| Highest Applicant Income | $680,000 |
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Act (HMDA) records Lending 3, Inc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 732 | $ 295,560,000 | $ 403,770 | $ 92,000 |
| Riverside-San Bernardino-Ontario, CA | 708 | $ 228,880,000 | $ 323,276 | $ 80,000 |
| Anaheim-Santa Ana-Irvine, CA | 149 | $ 68,455,000 | $ 459,429 | $ 134,000 |
| Atlanta-Sandy Springs-Roswell, GA | 130 | $ 29,390,000 | $ 226,076 | $ 53,000 |
| Baltimore-Columbia-Towson, MD | 101 | $ 24,395,000 | $ 241,534 | $ 59,000 |
| Outside any metro area | 91 | $ 19,645,000 | $ 215,879 | $ 38,252 |
| Phoenix-Mesa-Scottsdale, AZ | 91 | $ 20,995,000 | $ 230,714 | $ 30,000 |
| San Diego-Carlsbad, CA | 53 | $ 21,785,000 | $ 411,037 | $ 69,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 47 | $ 14,125,000 | $ 300,531 | $ 72,000 |
| Denver-Aurora-Lakewood, CO | 44 | $ 14,710,000 | $ 334,318 | $ 70,000 |
| Chicago-Naperville, IL | 43 | $ 9,365,000 | $ 217,790 | $ 56,000 |
| Tampa-St. Petersburg-Clearwater, FL | 42 | $ 9,640,000 | $ 229,523 | $ 34,000 |
| Houston-The Woodlands-Sugar Land, TX | 36 | $ 8,460,000 | $ 235,000 | $ 45,000 |
| Bakersfield, CA | 34 | $ 7,630,000 | $ 224,411 | $ 55,000 |
| San Antonio-New Braunfels, TX | 33 | $ 7,215,000 | $ 218,636 | $ 35,000 |
| Dallas-Plano-Irving, TX | 32 | $ 7,110,000 | $ 222,187 | $ 46,000 |
| Jacksonville, FL | 31 | $ 6,555,000 | $ 211,451 | $ 5,000 |
| Fort Worth-Arlington, TX | 27 | $ 6,065,000 | $ 224,629 | $ 38,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 27 | $ 12,835,000 | $ 475,370 | $ 156,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 25 | $ 7,365,000 | $ 294,600 | $ 60,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 25 | $ 9,595,000 | $ 383,800 | $ 86,000 |
| Colorado Springs, CO | 24 | $ 7,260,000 | $ 302,500 | $ 8,000 |
| Orlando-Kissimmee-Sanford, FL | 24 | $ 5,390,000 | $ 224,583 | $ 45,000 |
| Oakland-Hayward-Berkeley, CA | 20 | $ 8,350,000 | $ 417,500 | $ 86,000 |
| Lake Havasu City-Kingman, AZ | 19 | $ 4,035,000 | $ 212,368 | $ 52,000 |
| Tucson, AZ | 18 | $ 3,810,000 | $ 211,666 | $ 15,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 17 | $ 3,165,000 | $ 186,176 | $ 35,000 |
| Palm Bay-Melbourne-Titusville, FL | 17 | $ 3,315,000 | $ 195,000 | $ 24,000 |
| Salisbury, MD-DE | 16 | $ 3,710,000 | $ 231,875 | $ 52,000 |
| Washington-Baltimore-Arlington, DC | 16 | $ 5,360,000 | $ 335,000 | $ 84,000 |
| Crestview-Fort Walton Beach-Destin, FL | 15 | $ 3,155,000 | $ 210,333 | $ 80,000 |
| Augusta-Richmond County, GA-SC | 14 | $ 2,580,000 | $ 184,285 | $ 23,000 |
| Fresno, CA | 14 | $ 3,160,000 | $ 225,714 | $ 89,000 |
| Lakeland-Winter Haven, FL | 14 | $ 2,590,000 | $ 185,000 | $ 33,000 |
| Austin-Round Rock, TX | 13 | $ 3,475,000 | $ 267,307 | $ 40,000 |
| Pensacola-Ferry Pass-Brent, FL | 12 | $ 2,100,000 | $ 175,000 | $ 22,000 |
| Prescott Valley-Prescott, AZ | 12 | $ 2,380,000 | $ 198,333 | $ 8,000 |
| Vallejo-Fairfield, CA | 12 | $ 3,990,000 | $ 332,500 | $ 70,000 |
| North Port-Sarasota-Bradenton, FL | 10 | $ 2,380,000 | $ 238,000 | $ 15,000 |
| Salem, OR | 10 | $ 2,400,000 | $ 240,000 | $ 47,000 |
| El Paso, TX | 8 | $ 1,220,000 | $ 152,500 | $ 0 |
| Killeen-Temple, TX | 8 | $ 1,220,000 | $ 152,500 | $ 0 |
| Miami-Miami Beach-Kendall, FL | 8 | $ 2,720,000 | $ 340,000 | $ 47,000 |
| Port St. Lucie, FL | 8 | $ 1,810,000 | $ 226,250 | $ 19,000 |
| Stockton-Lodi, CA | 8 | $ 2,630,000 | $ 328,750 | $ 0 |
| Ocala, FL | 7 | $ 1,125,000 | $ 160,714 | $ 9,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 7 | $ 3,645,000 | $ 520,714 | $ 102,000 |
| Visalia-Porterville, CA | 7 | $ 1,715,000 | $ 245,000 | $ 40,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 7 | $ 1,745,000 | $ 249,285 | $ 69,000 |
| Bend-Redmond, OR | 6 | $ 1,330,000 | $ 221,666 | $ 0 |
| California-Lexington Park, MD | 6 | $ 2,320,000 | $ 386,666 | $ 128,000 |
| Columbus, GA-AL | 6 | $ 1,220,000 | $ 203,333 | $ 92,000 |
| Elgin, IL | 6 | $ 1,260,000 | $ 210,000 | $ 117,000 |
| Hinesville, GA | 6 | $ 1,050,000 | $ 175,000 | $ 20,000 |
| Santa Maria-Santa Barbara, CA | 6 | $ 2,150,000 | $ 358,333 | $ 126,000 |
| Albany, OR | 5 | $ 975,000 | $ 195,000 | $ 18,000 |
| Cape Coral-Fort Myers, FL | 5 | $ 815,000 | $ 163,000 | $ 13,000 |
| Chattanooga, TN-GA | 5 | $ 885,000 | $ 177,000 | $ 0 |
| Hagerstown-Martinsburg, MD-WV | 5 | $ 1,055,000 | $ 211,000 | $ 65,000 |
| Panama City, FL | 5 | $ 1,985,000 | $ 397,000 | $ 58,000 |
| Pueblo, CO | 5 | $ 885,000 | $ 177,000 | $ 0 |
| Savannah, GA | 5 | $ 925,000 | $ 185,000 | $ 56,000 |
| Abilene, TX | 4 | $ 920,000 | $ 230,000 | $ 0 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 4 | $ 1,010,000 | $ 252,500 | $ 53,000 |
| Greeley, CO | 4 | $ 1,170,000 | $ 292,500 | $ 27,000 |
| Hanford-Corcoran, CA | 4 | $ 1,000,000 | $ 250,000 | $ 0 |
| Homosassa Springs, FL | 4 | $ 600,000 | $ 150,000 | $ 0 |
| Lubbock, TX | 4 | $ 820,000 | $ 205,000 | $ 58,000 |
| Medford, OR | 4 | $ 1,270,000 | $ 317,500 | $ 38,000 |
| Punta Gorda, FL | 4 | $ 780,000 | $ 195,000 | $ 17,000 |
| Redding, CA | 4 | $ 890,000 | $ 222,500 | $ 45,000 |
| Sebring, FL | 4 | $ 570,000 | $ 142,500 | $ 0 |
| St. Louis, MO-IL | 4 | $ 490,000 | $ 122,500 | $ 20,000 |
| Warner Robins, GA | 4 | $ 710,000 | $ 177,500 | $ 0 |
| Yuma, AZ | 4 | $ 970,000 | $ 242,500 | $ 0 |
| Albany, GA | 3 | $ 375,000 | $ 125,000 | $ 0 |
| Athens-Clarke County, GA | 3 | $ 555,000 | $ 185,000 | $ 53,000 |
| Beaumont-Port Arthur, TX | 3 | $ 575,000 | $ 191,666 | $ 0 |
| Brownsville-Harlingen, TX | 3 | $ 555,000 | $ 185,000 | $ 47,000 |
| Chico, CA | 3 | $ 865,000 | $ 288,333 | $ 206,000 |
| Corpus Christi, TX | 3 | $ 555,000 | $ 185,000 | $ 110,000 |
| Grand Junction, CO | 3 | $ 785,000 | $ 261,666 | $ 0 |
| Longview, TX | 3 | $ 415,000 | $ 138,333 | $ 0 |
| Macon-Bibb County, GA | 3 | $ 595,000 | $ 198,333 | $ 33,000 |
| Madera, CA | 3 | $ 885,000 | $ 295,000 | $ 64,000 |
| Merced, CA | 3 | $ 795,000 | $ 265,000 | $ 49,000 |
| Rockford, IL | 3 | $ 725,000 | $ 241,666 | $ 0 |
| San Francisco-Redwood City-South San Francisco, CA | 3 | $ 1,455,000 | $ 485,000 | $ 140,000 |
| Sierra Vista-Douglas, AZ | 3 | $ 585,000 | $ 195,000 | $ 22,000 |
| Davenport-Moline-Rock Island, IA-IL | 2 | $ 240,000 | $ 120,000 | $ 0 |
| Eugene, OR | 2 | $ 540,000 | $ 270,000 | $ 55,000 |
| Fort Collins, CO | 2 | $ 780,000 | $ 390,000 | $ 0 |
| Gainesville, FL | 2 | $ 360,000 | $ 180,000 | $ 0 |
| Lake County-Kenosha County, IL-WI | 2 | $ 440,000 | $ 220,000 | $ 0 |
| Modesto, CA | 2 | $ 800,000 | $ 400,000 | $ 0 |
| Napa, CA | 2 | $ 890,000 | $ 445,000 | $ 122,000 |
| Odessa, TX | 2 | $ 330,000 | $ 165,000 | $ 122,000 |
| Salinas, CA | 2 | $ 920,000 | $ 460,000 | $ 89,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 2 | $ 780,000 | $ 390,000 | $ 76,000 |
| Santa Rosa, CA | 2 | $ 1,080,000 | $ 540,000 | $ 120,000 |
| Sebastian-Vero Beach, FL | 2 | $ 270,000 | $ 135,000 | $ 0 |
| The Villages, FL | 2 | $ 590,000 | $ 295,000 | $ 0 |
| Valdosta, GA | 2 | $ 360,000 | $ 180,000 | $ 0 |
| Victoria, TX | 2 | $ 330,000 | $ 165,000 | $ 0 |
| Yuba City, CA | 2 | $ 340,000 | $ 170,000 | $ 0 |
| Amarillo, TX | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Boulder, CO | 1 | $ 135,000 | $ 135,000 | $ 23,000 |
| Brunswick, GA | 1 | $ 285,000 | $ 285,000 | $ 0 |
| Carbondale-Marion, IL | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Dalton, GA | 1 | $ 185,000 | $ 185,000 | $ 51,000 |
| Decatur, IL | 1 | $ 145,000 | $ 145,000 | $ 0 |
| El Centro, CA | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Flagstaff, AZ | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Gainesville, GA | 1 | $ 335,000 | $ 335,000 | $ 135,000 |
| Grants Pass, OR | 1 | $ 575,000 | $ 575,000 | $ 0 |
| McAllen-Edinburg-Mission, TX | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Ogden-Clearfield, UT | 1 | $ 295,000 | $ 295,000 | $ 75,000 |
| San Angelo, TX | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Sherman-Denison, TX | 1 | $ 285,000 | $ 285,000 | $ 0 |
| Tallahassee, FL | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Wilmington, DE-MD-NJ | 1 | $ 305,000 | $ 305,000 | $ 132,000 |
Mortgage Loan Application Detail Totals for Lending 3, Inc in 2020
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 | 1,340 | $406,920,000 | $303,000 | $1,235,000 | $0 | $0 |
| Refinancing | 881 | $269,735,000 | $306,000 | $855,000 | $54,000 | $680,000 |
| Cash-out Refinancing | 480 | $150,080,000 | $312,000 | $885,000 | $84,000 | $521,000 |
| Home Purchase | 384 | $146,040,000 | $380,000 | $895,000 | $99,000 | $653,000 |
| Other Purpose | 4 | $1,020,000 | $255,000 | $405,000 | $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 |
|---|---|---|---|---|---|---|
| Not applicable | 1,100 | $319,810,000 | $290,000 | $1,235,000 | $67,000 | $160,000 |
| Hispanic | 725 | $249,435,000 | $344,000 | $895,000 | $78,000 | $680,000 |
| White | 574 | $167,040,000 | $291,000 | $795,000 | $52,000 | $537,000 |
| Not Provided | 361 | $136,015,000 | $376,000 | $885,000 | $96,000 | $521,000 |
| Black or African American | 236 | $65,330,000 | $276,000 | $735,000 | $54,000 | $450,000 |
| Asian | 80 | $31,510,000 | $393,000 | $765,000 | $108,000 | $344,000 |
| Native Hawaiian or Other Pacific Islander | 8 | $2,700,000 | $337,000 | $535,000 | $106,000 | $299,000 |
| American Indian or Alaskan Native | 3 | $1,045,000 | $348,000 | $515,000 | $74,000 | $139,000 |
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) | 1,249 | $427,495,000 | $342,000 | $885,000 | $105,000 | $680,000 |
| VA-guaranteed (Veterans Administration) | 1,052 | $271,630,000 | $258,000 | $1,235,000 | $21,000 | $205,000 |
| FHA-insured (Federal Housing Administration) | 786 | $274,170,000 | $348,000 | $895,000 | $68,000 | $507,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $500,000 | $250,000 | $255,000 | $106,000 | $106,000 |
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 | 1,830 | $561,620,000 | $306,000 | $1,235,000 | $69,000 | $521,000 |
| Loan Originated | 798 | $270,650,000 | $339,000 | $885,000 | $77,000 | $450,000 |
| Application Withdrawn By Applicant | 413 | $124,955,000 | $302,000 | $855,000 | $64,000 | $680,000 |
| Application Denied By Financial Institution | 32 | $11,490,000 | $359,000 | $895,000 | $92,000 | $507,000 |
| File Closed For Incompleteness | 15 | $4,875,000 | $325,000 | $755,000 | $94,000 | $231,000 |
| Application Approved But Not Accepted | 1 | $205,000 | $205,000 | $205,000 | $68,000 | $68,000 |
| 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 | 3,057 | $962,305,000 | $314,000 | $1,235,000 | $72,000 | $680,000 |
| Debt-To-Income Ratio | 14 | $5,070,000 | $362,000 | $695,000 | $105,000 | $507,000 |
| Employment History | 5 | $1,495,000 | $299,000 | $495,000 | $65,000 | $84,000 |
| Unverifiable Information | 4 | $1,190,000 | $297,000 | $375,000 | $58,000 | $70,000 |
| Other | 3 | $1,745,000 | $581,000 | $895,000 | $122,000 | $159,000 |
| Credit History | 3 | $965,000 | $321,000 | $515,000 | $69,000 | $159,000 |
| Collateral | 2 | $510,000 | $255,000 | $345,000 | $89,000 | $119,000 |
| Mortgage Insurance Denied | 1 | $515,000 | $515,000 | $515,000 | $186,000 | $186,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Lending 3, Inc's 2020 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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