Lending 3, Inc Mortgage Lending & HMDA Data, 2022
In 2022, Lending 3, Inc of Fountain Valley, CA reported 1,842 mortgage applications totaling $733.1 million, down 32% from 2021. The average application was for $397,964, and applicants reported an average income of $102,112. 3% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Riverside-San Bernardino-Ontario, CA (473), Los Angeles-Long Beach-Glendale, CA (405) and Atlanta-Sandy Springs-Roswell, GA (93) (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 | 1,842 |
| Total Mortgage Loan Application Amount | $733,050,000 |
| Average Mortgage Loan Application Amount | $397,964 |
| Highest Mortgage Loan Application Amount | $2,445,000 |
| Average Applicant Income | $102,112 |
| Highest Applicant Income | $2,417,000 |
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Act (HMDA) records Lending 3, Inc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Riverside-San Bernardino-Ontario, CA | 473 | $ 199,565,000 | $ 421,913 | $ 102,000 |
| Los Angeles-Long Beach-Glendale, CA | 405 | $ 220,735,000 | $ 545,024 | $ 144,000 |
| Atlanta-Sandy Springs-Roswell, GA | 93 | $ 27,615,000 | $ 296,935 | $ 67,000 |
| Anaheim-Santa Ana-Irvine, CA | 76 | $ 44,360,000 | $ 583,684 | $ 212,000 |
| Outside any metro area | 64 | $ 15,930,000 | $ 248,906 | $ 57,055 |
| Baltimore-Columbia-Towson, MD | 42 | $ 11,620,000 | $ 276,666 | $ 65,000 |
| Phoenix-Mesa-Scottsdale, AZ | 39 | $ 12,405,000 | $ 318,076 | $ 51,000 |
| Modesto, CA | 29 | $ 10,755,000 | $ 370,862 | $ 91,000 |
| Tampa-St. Petersburg-Clearwater, FL | 29 | $ 8,175,000 | $ 281,896 | $ 56,000 |
| Denver-Aurora-Lakewood, CO | 26 | $ 9,270,000 | $ 356,538 | $ 69,000 |
| Dallas-Plano-Irving, TX | 25 | $ 5,915,000 | $ 236,600 | $ 52,000 |
| Chicago-Naperville, IL | 24 | $ 5,380,000 | $ 224,166 | $ 100,000 |
| Jacksonville, FL | 24 | $ 6,750,000 | $ 281,250 | $ 69,000 |
| Bakersfield, CA | 23 | $ 6,395,000 | $ 278,043 | $ 105,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 18 | $ 5,680,000 | $ 315,555 | $ 61,000 |
| Houston-The Woodlands-Sugar Land, TX | 16 | $ 4,130,000 | $ 258,125 | $ 86,000 |
| Orlando-Kissimmee-Sanford, FL | 16 | $ 5,560,000 | $ 347,500 | $ 63,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 16 | $ 7,210,000 | $ 450,625 | $ 134,000 |
| Colorado Springs, CO | 15 | $ 5,235,000 | $ 349,000 | $ 41,000 |
| Fresno, CA | 14 | $ 4,670,000 | $ 333,571 | $ 131,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 13 | $ 4,475,000 | $ 344,230 | $ 44,000 |
| Oakland-Hayward-Berkeley, CA | 12 | $ 6,980,000 | $ 581,666 | $ 177,000 |
| Augusta-Richmond County, GA-SC | 11 | $ 2,505,000 | $ 227,727 | $ 0 |
| San Antonio-New Braunfels, TX | 10 | $ 2,620,000 | $ 262,000 | $ 45,000 |
| San Diego-Carlsbad, CA | 10 | $ 7,750,000 | $ 775,000 | $ 234,000 |
| Merced, CA | 9 | $ 3,345,000 | $ 371,666 | $ 68,000 |
| Palm Bay-Melbourne-Titusville, FL | 9 | $ 2,355,000 | $ 261,666 | $ 17,000 |
| Columbus, GA-AL | 8 | $ 1,930,000 | $ 241,250 | $ 38,000 |
| Fort Worth-Arlington, TX | 8 | $ 1,790,000 | $ 223,750 | $ 14,000 |
| Hanford-Corcoran, CA | 8 | $ 2,620,000 | $ 327,500 | $ 88,000 |
| Lake Havasu City-Kingman, AZ | 8 | $ 1,760,000 | $ 220,000 | $ 84,000 |
| Miami-Miami Beach-Kendall, FL | 8 | $ 2,680,000 | $ 335,000 | $ 59,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 8 | $ 2,630,000 | $ 328,750 | $ 41,000 |
| Cape Coral-Fort Myers, FL | 7 | $ 2,325,000 | $ 332,142 | $ 52,000 |
| Lakeland-Winter Haven, FL | 7 | $ 1,485,000 | $ 212,142 | $ 27,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 7 | $ 5,025,000 | $ 717,857 | $ 64,000 |
| Savannah, GA | 7 | $ 1,625,000 | $ 232,142 | $ 40,000 |
| Columbus, OH | 6 | $ 1,830,000 | $ 305,000 | $ 398,000 |
| North Port-Sarasota-Bradenton, FL | 6 | $ 1,960,000 | $ 326,666 | $ 53,000 |
| Ocala, FL | 6 | $ 1,310,000 | $ 218,333 | $ 40,000 |
| Vallejo-Fairfield, CA | 6 | $ 2,610,000 | $ 435,000 | $ 112,000 |
| Visalia-Porterville, CA | 6 | $ 1,620,000 | $ 270,000 | $ 129,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 5 | $ 1,485,000 | $ 297,000 | $ 61,000 |
| Homosassa Springs, FL | 5 | $ 1,155,000 | $ 231,000 | $ 0 |
| Philadelphia, PA | 5 | $ 1,435,000 | $ 287,000 | $ 0 |
| Salem, OR | 5 | $ 1,675,000 | $ 335,000 | $ 50,000 |
| Stockton-Lodi, CA | 5 | $ 1,975,000 | $ 395,000 | $ 0 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 4 | $ 1,050,000 | $ 262,500 | $ 0 |
| Sierra Vista-Douglas, AZ | 4 | $ 540,000 | $ 135,000 | $ 20,000 |
| Warner Robins, GA | 4 | $ 1,220,000 | $ 305,000 | $ 0 |
| Warren-Troy-Farmington Hills, MI | 4 | $ 880,000 | $ 220,000 | $ 0 |
| Washington-Baltimore-Arlington, DC | 4 | $ 1,510,000 | $ 377,500 | $ 47,000 |
| Austin-Round Rock, TX | 3 | $ 1,165,000 | $ 388,333 | $ 69,000 |
| Birmingham-Hoover, AL | 3 | $ 645,000 | $ 215,000 | $ 0 |
| Chattanooga, TN-GA | 3 | $ 675,000 | $ 225,000 | $ 46,666 |
| Cincinnati, OH-KY-IN | 3 | $ 795,000 | $ 265,000 | $ 52,000 |
| Cleveland-Elyria, OH | 3 | $ 785,000 | $ 261,666 | $ 86,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 3 | $ 775,000 | $ 258,333 | $ 55,000 |
| Elgin, IL | 3 | $ 695,000 | $ 231,666 | $ 0 |
| Eugene, OR | 3 | $ 935,000 | $ 311,666 | $ 0 |
| Grand Rapids-Wyoming, MI | 3 | $ 705,000 | $ 235,000 | $ 78,000 |
| Greeley, CO | 3 | $ 1,635,000 | $ 545,000 | $ 118,000 |
| Huntsville, AL | 3 | $ 865,000 | $ 288,333 | $ 0 |
| Lubbock, TX | 3 | $ 305,000 | $ 101,666 | $ 42,000 |
| Medford, OR | 3 | $ 855,000 | $ 285,000 | $ 0 |
| Pensacola-Ferry Pass-Brent, FL | 3 | $ 1,025,000 | $ 341,666 | $ 52,000 |
| Pueblo, CO | 3 | $ 605,000 | $ 201,666 | $ 0 |
| Salisbury, MD-DE | 3 | $ 725,000 | $ 241,666 | $ 54,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 3 | $ 1,565,000 | $ 521,666 | $ 133,000 |
| Tucson, AZ | 3 | $ 565,000 | $ 188,333 | $ 0 |
| Albany, GA | 2 | $ 250,000 | $ 125,000 | $ 123,000 |
| Beaumont-Port Arthur, TX | 2 | $ 310,000 | $ 155,000 | $ 51,000 |
| Bend-Redmond, OR | 2 | $ 570,000 | $ 285,000 | $ 47,000 |
| Boise City, ID | 2 | $ 660,000 | $ 330,000 | $ 77,000 |
| Brownsville-Harlingen, TX | 2 | $ 530,000 | $ 265,000 | $ 0 |
| Brunswick, GA | 2 | $ 330,000 | $ 165,000 | $ 0 |
| California-Lexington Park, MD | 2 | $ 770,000 | $ 385,000 | $ 0 |
| Canton-Massillon, OH | 2 | $ 370,000 | $ 185,000 | $ 0 |
| Cleveland, TN | 2 | $ 340,000 | $ 170,000 | $ 0 |
| Dayton-Springfield-Kettering, OH | 2 | $ 200,000 | $ 100,000 | $ 42,000 |
| Dothan, AL | 2 | $ 720,000 | $ 360,000 | $ 130,000 |
| El Centro, CA | 2 | $ 440,000 | $ 220,000 | $ 0 |
| Hinesville, GA | 2 | $ 430,000 | $ 215,000 | $ 0 |
| Killeen-Temple, TX | 2 | $ 390,000 | $ 195,000 | $ 41,000 |
| Lake County-Kenosha County, IL-WI | 2 | $ 800,000 | $ 400,000 | $ 306,000 |
| Lebanon, PA | 2 | $ 480,000 | $ 240,000 | $ 69,000 |
| Madera, CA | 2 | $ 700,000 | $ 350,000 | $ 0 |
| Montgomery County-Bucks County-Chester County, PA | 2 | $ 520,000 | $ 260,000 | $ 65,000 |
| Montgomery, AL | 2 | $ 560,000 | $ 280,000 | $ 0 |
| Naples-Immokalee-Marco Island, FL | 2 | $ 800,000 | $ 400,000 | $ 0 |
| Port St. Lucie, FL | 2 | $ 680,000 | $ 340,000 | $ 0 |
| Portland-Vancouver-Hillsboro, OR-WA | 2 | $ 610,000 | $ 305,000 | $ 0 |
| Punta Gorda, FL | 2 | $ 290,000 | $ 145,000 | $ 34,000 |
| Rockford, IL | 2 | $ 360,000 | $ 180,000 | $ 0 |
| Salinas, CA | 2 | $ 1,080,000 | $ 540,000 | $ 55,000 |
| St. Louis, MO-IL | 2 | $ 600,000 | $ 300,000 | $ 0 |
| Valdosta, GA | 2 | $ 350,000 | $ 175,000 | $ 0 |
| York-Hanover, PA | 2 | $ 460,000 | $ 230,000 | $ 118,000 |
| Abilene, TX | 1 | $ 225,000 | $ 225,000 | $ 61,000 |
| Amarillo, TX | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Athens-Clarke County, GA | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Bloomsburg-Berwick, PA | 1 | $ 365,000 | $ 365,000 | $ 0 |
| Chambersburg-Waynesboro, PA | 1 | $ 175,000 | $ 175,000 | $ 73,000 |
| Chico, CA | 1 | $ 365,000 | $ 365,000 | $ 0 |
| College Station-Bryan, TX | 1 | $ 285,000 | $ 285,000 | $ 0 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Decatur, AL | 1 | $ 235,000 | $ 235,000 | $ 0 |
| East Stroudsburg, PA | 1 | $ 265,000 | $ 265,000 | $ 0 |
| El Paso, TX | 1 | $ 155,000 | $ 155,000 | $ 119,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 185,000 | $ 185,000 | $ 114,000 |
| Flagstaff, AZ | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Gainesville, FL | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Grand Junction, CO | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Harrisburg-Carlisle, PA | 1 | $ 285,000 | $ 285,000 | $ 0 |
| Hot Springs, AR | 1 | $ 115,000 | $ 115,000 | $ 37,000 |
| Johnson City, TN | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Kalamazoo-Portage, MI | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Lancaster, PA | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Little Rock-North Little Rock-Conway, AR | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Longview, TX | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Macon-Bibb County, GA | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Memphis, TN-MS-AR | 1 | $ 335,000 | $ 335,000 | $ 0 |
| Mobile, AL | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Monroe, MI | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Napa, CA | 1 | $ 505,000 | $ 505,000 | $ 38,000 |
| Peoria, IL | 1 | $ 425,000 | $ 425,000 | $ 0 |
| Prescott Valley-Prescott, AZ | 1 | $ 315,000 | $ 315,000 | $ 0 |
| Reading, PA | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Rome, GA | 1 | $ 225,000 | $ 225,000 | $ 71,000 |
| San Angelo, TX | 1 | $ 295,000 | $ 295,000 | $ 0 |
| Santa Maria-Santa Barbara, CA | 1 | $ 475,000 | $ 475,000 | $ 0 |
| Scranton--Wilkes-Barre--Hazleton, PA | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Springfield, IL | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Toledo, OH | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Tuscaloosa, AL | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Tyler, TX | 1 | $ 215,000 | $ 215,000 | $ 84,000 |
| Waco, TX | 1 | $ 315,000 | $ 315,000 | $ 120,000 |
| Yuba City, CA | 1 | $ 185,000 | $ 185,000 | $ 95,000 |
Mortgage Loan Application Detail Totals for Lending 3, Inc in 2022
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 | 1,226 | $501,590,000 | $409,000 | $2,435,000 | $0 | $0 |
| Cash-out Refinancing | 256 | $86,330,000 | $337,000 | $1,325,000 | $97,000 | $2,138,000 |
| Home Purchase | 219 | $101,655,000 | $464,000 | $2,445,000 | $131,000 | $2,417,000 |
| Refinancing | 140 | $43,090,000 | $307,000 | $1,055,000 | $67,000 | $1,907,000 |
| Other Purpose | 1 | $385,000 | $385,000 | $385,000 | $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 | 1,233 | $504,025,000 | $408,000 | $2,435,000 | $0 | $0 |
| Not Provided | 185 | $74,885,000 | $404,000 | $1,425,000 | $127,000 | $2,138,000 |
| White | 159 | $51,465,000 | $323,000 | $1,325,000 | $73,000 | $320,000 |
| Hispanic | 157 | $61,445,000 | $391,000 | $1,405,000 | $94,000 | $474,000 |
| Black or African American | 82 | $25,060,000 | $305,000 | $995,000 | $59,000 | $293,000 |
| Asian | 18 | $11,720,000 | $651,000 | $2,445,000 | $324,000 | $2,417,000 |
| American Indian or Alaskan Native | 2 | $1,370,000 | $685,000 | $955,000 | $156,000 | $211,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $175,000 | $175,000 | $175,000 | $71,000 | $71,000 |
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) | 808 | $354,680,000 | $438,000 | $2,445,000 | $140,000 | $2,417,000 |
| FHA-insured (Federal Housing Administration) | 597 | $244,975,000 | $410,000 | $985,000 | $82,000 | $264,000 |
| VA-guaranteed (Veterans Administration) | 436 | $132,970,000 | $304,000 | $1,605,000 | $41,000 | $293,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $425,000 | $425,000 | $425,000 | $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 | 1,233 | $504,025,000 | $408,000 | $2,435,000 | $0 | $0 |
| Application Withdrawn By Applicant | 454 | $165,070,000 | $363,000 | $2,445,000 | $92,000 | $2,417,000 |
| Loan Originated | 58 | $23,570,000 | $406,000 | $995,000 | $155,000 | $1,907,000 |
| Application Denied By Financial Institution | 46 | $20,070,000 | $436,000 | $785,000 | $117,000 | $604,000 |
| Application Approved But Not Accepted | 41 | $15,315,000 | $373,000 | $975,000 | $105,000 | $409,000 |
| File Closed For Incompleteness | 10 | $5,000,000 | $500,000 | $1,405,000 | $130,000 | $397,000 |
| 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 | 1,796 | $712,980,000 | $396,000 | $2,445,000 | $101,000 | $2,417,000 |
| Debt-To-Income Ratio | 23 | $10,655,000 | $463,000 | $785,000 | $98,000 | $269,000 |
| Other | 9 | $3,575,000 | $397,000 | $665,000 | $116,000 | $233,000 |
| Unverifiable Information | 6 | $3,130,000 | $521,000 | $685,000 | $219,000 | $604,000 |
| Credit History | 5 | $1,795,000 | $359,000 | $635,000 | $84,000 | $114,000 |
| Collateral | 2 | $640,000 | $320,000 | $465,000 | $139,000 | $170,000 |
| Employment History | 1 | $275,000 | $275,000 | $275,000 | $76,000 | $76,000 |
| 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 2022 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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