Lending 3, Inc Mortgage Lending & HMDA Data, 2023
In 2023, Lending 3, Inc of Fountain Valley, CA reported 943 mortgage applications totaling $418.7 million, down 49% from 2022. The average application was for $444,034, and applicants reported an average income of $161,279. 6% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Riverside-San Bernardino-Ontario, CA (296), Los Angeles-Long Beach-Glendale, CA (212) and Anaheim-Santa Ana-Irvine, CA (27) (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 | 943 |
| Total Mortgage Loan Application Amount | $418,725,000 |
| Average Mortgage Loan Application Amount | $444,034 |
| Highest Mortgage Loan Application Amount | $2,455,000 |
| Average Applicant Income | $161,279 |
| Highest Applicant Income | $5,507,000 |
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Act (HMDA) records Lending 3, Inc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 296 | $ 135,040,000 | $ 456,216 | $ 181,000 |
| Los Angeles-Long Beach-Glendale, CA | 212 | $ 122,890,000 | $ 579,669 | $ 190,000 |
| Anaheim-Santa Ana-Irvine, CA | 27 | $ 18,245,000 | $ 675,740 | $ 213,000 |
| Atlanta-Sandy Springs-Roswell, GA | 26 | $ 8,520,000 | $ 327,692 | $ 123,000 |
| Outside any metro area | 24 | $ 6,350,000 | $ 264,583 | $ 39,615 |
| Baltimore-Columbia-Towson, MD | 15 | $ 5,505,000 | $ 367,000 | $ 89,000 |
| Bakersfield, CA | 14 | $ 4,060,000 | $ 290,000 | $ 113,000 |
| Fresno, CA | 13 | $ 5,175,000 | $ 398,076 | $ 99,000 |
| Modesto, CA | 13 | $ 4,385,000 | $ 337,307 | $ 86,000 |
| Phoenix-Mesa-Scottsdale, AZ | 13 | $ 3,845,000 | $ 295,769 | $ 77,000 |
| Tampa-St. Petersburg-Clearwater, FL | 12 | $ 3,900,000 | $ 325,000 | $ 83,000 |
| Jacksonville, FL | 10 | $ 3,160,000 | $ 316,000 | $ 67,000 |
| Oakland-Hayward-Berkeley, CA | 10 | $ 6,400,000 | $ 640,000 | $ 459,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 9 | $ 3,335,000 | $ 370,555 | $ 111,000 |
| Orlando-Kissimmee-Sanford, FL | 9 | $ 2,735,000 | $ 303,888 | $ 55,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 9 | $ 4,255,000 | $ 472,777 | $ 112,000 |
| Houston-The Woodlands-Sugar Land, TX | 8 | $ 2,260,000 | $ 282,500 | $ 133,000 |
| Miami-Miami Beach-Kendall, FL | 8 | $ 3,430,000 | $ 428,750 | $ 132,000 |
| Stockton-Lodi, CA | 8 | $ 4,490,000 | $ 561,250 | $ 234,000 |
| Chicago-Naperville, IL | 7 | $ 1,905,000 | $ 272,142 | $ 60,000 |
| Detroit-Dearborn-Livonia, MI | 7 | $ 1,435,000 | $ 205,000 | $ 73,000 |
| Merced, CA | 7 | $ 2,905,000 | $ 415,000 | $ 91,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 7 | $ 3,255,000 | $ 465,000 | $ 47,000 |
| Columbus, OH | 6 | $ 1,970,000 | $ 328,333 | $ 64,000 |
| Lakeland-Winter Haven, FL | 6 | $ 1,660,000 | $ 276,666 | $ 120,000 |
| San Diego-Carlsbad, CA | 6 | $ 3,620,000 | $ 603,333 | $ 260,000 |
| Columbus, GA-AL | 5 | $ 1,375,000 | $ 275,000 | $ 68,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 5 | $ 1,985,000 | $ 397,000 | $ 102,000 |
| Huntsville, AL | 5 | $ 1,385,000 | $ 277,000 | $ 127,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 5 | $ 2,905,000 | $ 581,000 | $ 147,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 5 | $ 3,575,000 | $ 715,000 | $ 157,000 |
| Augusta-Richmond County, GA-SC | 4 | $ 640,000 | $ 160,000 | $ 55,000 |
| Birmingham-Hoover, AL | 4 | $ 1,120,000 | $ 280,000 | $ 125,000 |
| Denver-Aurora-Lakewood, CO | 4 | $ 1,910,000 | $ 477,500 | $ 159,000 |
| Hanford-Corcoran, CA | 4 | $ 1,440,000 | $ 360,000 | $ 86,000 |
| Palm Bay-Melbourne-Titusville, FL | 4 | $ 1,100,000 | $ 275,000 | $ 73,000 |
| Cape Coral-Fort Myers, FL | 3 | $ 975,000 | $ 325,000 | $ 54,000 |
| Cincinnati, OH-KY-IN | 3 | $ 1,055,000 | $ 351,666 | $ 0 |
| Cleveland-Elyria, OH | 3 | $ 675,000 | $ 225,000 | $ 0 |
| Dallas-Plano-Irving, TX | 3 | $ 1,365,000 | $ 455,000 | $ 0 |
| Fayetteville-Springdale-Rogers, AR-MO | 3 | $ 925,000 | $ 308,333 | $ 62,000 |
| Homosassa Springs, FL | 3 | $ 675,000 | $ 225,000 | $ 0 |
| Lake County-Kenosha County, IL-WI | 3 | $ 1,345,000 | $ 448,333 | $ 116,000 |
| Lake Havasu City-Kingman, AZ | 3 | $ 715,000 | $ 238,333 | $ 0 |
| Lubbock, TX | 3 | $ 305,000 | $ 101,666 | $ 42,000 |
| Mobile, AL | 3 | $ 485,000 | $ 161,666 | $ 0 |
| Savannah, GA | 3 | $ 655,000 | $ 218,333 | $ 112,000 |
| Tucson, AZ | 3 | $ 665,000 | $ 221,666 | $ 0 |
| Warner Robins, GA | 3 | $ 685,000 | $ 228,333 | $ 0 |
| Chattanooga, TN-GA | 2 | $ 570,000 | $ 285,000 | $ 0 |
| Clarksville, TN-KY | 2 | $ 520,000 | $ 260,000 | $ 0 |
| Colorado Springs, CO | 2 | $ 780,000 | $ 390,000 | $ 0 |
| Crestview-Fort Walton Beach-Destin, FL | 2 | $ 450,000 | $ 225,000 | $ 0 |
| Fort Worth-Arlington, TX | 2 | $ 920,000 | $ 460,000 | $ 180,000 |
| Knoxville, TN | 2 | $ 450,000 | $ 225,000 | $ 0 |
| Little Rock-North Little Rock-Conway, AR | 2 | $ 390,000 | $ 195,000 | $ 42,000 |
| Madera, CA | 2 | $ 870,000 | $ 435,000 | $ 95,000 |
| Montgomery County-Bucks County-Chester County, PA | 2 | $ 2,310,000 | $ 1,155,000 | $ 0 |
| Philadelphia, PA | 2 | $ 530,000 | $ 265,000 | $ 87,000 |
| Port St. Lucie, FL | 2 | $ 830,000 | $ 415,000 | $ 0 |
| Salisbury, MD-DE | 2 | $ 530,000 | $ 265,000 | $ 121,000 |
| Santa Cruz-Watsonville, CA | 2 | $ 1,270,000 | $ 635,000 | $ 142,000 |
| Toledo, OH | 2 | $ 500,000 | $ 250,000 | $ 102,000 |
| Vallejo-Fairfield, CA | 2 | $ 930,000 | $ 465,000 | $ 0 |
| Warren-Troy-Farmington Hills, MI | 2 | $ 550,000 | $ 275,000 | $ 0 |
| York-Hanover, PA | 2 | $ 250,000 | $ 125,000 | $ 84,000 |
| Akron, OH | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Allentown-Bethlehem-Easton, PA-NJ | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Anniston-Oxford-Jacksonville, AL | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Boise City, ID | 1 | $ 385,000 | $ 385,000 | $ 78,000 |
| California-Lexington Park, MD | 1 | $ 295,000 | $ 295,000 | $ 0 |
| Champaign-Urbana, IL | 1 | $ 265,000 | $ 265,000 | $ 143,000 |
| Cumberland, MD-WV | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Dayton-Springfield-Kettering, OH | 1 | $ 405,000 | $ 405,000 | $ 0 |
| Decatur, AL | 1 | $ 705,000 | $ 705,000 | $ 202,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 335,000 | $ 335,000 | $ 0 |
| Dothan, AL | 1 | $ 425,000 | $ 425,000 | $ 159,000 |
| Elgin, IL | 1 | $ 385,000 | $ 385,000 | $ 0 |
| Flint, MI | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Grand Junction, CO | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Grand Rapids-Wyoming, MI | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Greeley, CO | 1 | $ 315,000 | $ 315,000 | $ 0 |
| Hinesville, GA | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Hot Springs, AR | 1 | $ 85,000 | $ 85,000 | $ 37,000 |
| Idaho Falls, ID | 1 | $ 415,000 | $ 415,000 | $ 0 |
| Johnson City, TN | 1 | $ 365,000 | $ 365,000 | $ 0 |
| Killeen-Temple, TX | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Las Vegas-Henderson-Paradise, NV | 1 | $ 475,000 | $ 475,000 | $ 222,000 |
| Macon-Bibb County, GA | 1 | $ 475,000 | $ 475,000 | $ 134,000 |
| Memphis, TN-MS-AR | 1 | $ 195,000 | $ 195,000 | $ 150,000 |
| North Port-Sarasota-Bradenton, FL | 1 | $ 455,000 | $ 455,000 | $ 0 |
| Ocala, FL | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 195,000 | $ 195,000 | $ 33,000 |
| Pittsburgh, PA | 1 | $ 295,000 | $ 295,000 | $ 68,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 1 | $ 395,000 | $ 395,000 | $ 0 |
| Pueblo, CO | 1 | $ 175,000 | $ 175,000 | $ 33,000 |
| Punta Gorda, FL | 1 | $ 275,000 | $ 275,000 | $ 0 |
| Redding, CA | 1 | $ 315,000 | $ 315,000 | $ 77,000 |
| Rome, GA | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Salem, OR | 1 | $ 295,000 | $ 295,000 | $ 0 |
| Salinas, CA | 1 | $ 555,000 | $ 555,000 | $ 0 |
| San Antonio-New Braunfels, TX | 1 | $ 235,000 | $ 235,000 | $ 0 |
| San Francisco-Redwood City-South San Francisco, CA | 1 | $ 845,000 | $ 845,000 | $ 0 |
| St. Louis, MO-IL | 1 | $ 355,000 | $ 355,000 | $ 0 |
| Tallahassee, FL | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Visalia-Porterville, CA | 1 | $ 335,000 | $ 335,000 | $ 0 |
| Washington-Baltimore-Arlington, DC | 1 | $ 265,000 | $ 265,000 | $ 0 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 1 | $ 225,000 | $ 225,000 | $ 88,000 |
| Yuba City, CA | 1 | $ 185,000 | $ 185,000 | $ 0 |
Mortgage Loan Application Detail Totals for Lending 3, Inc in 2023
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 | 506 | $212,590,000 | $420,000 | $2,455,000 | $0 | $0 |
| Home Purchase | 278 | $141,110,000 | $507,000 | $1,435,000 | $156,000 | $1,224,000 |
| Cash-out Refinancing | 120 | $47,040,000 | $392,000 | $1,305,000 | $158,000 | $5,507,000 |
| Refinancing | 39 | $17,985,000 | $461,000 | $985,000 | $209,000 | $1,907,000 |
| Home Improvement | 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 |
|---|---|---|---|---|---|---|
| Not applicable | 567 | $240,005,000 | $423,000 | $2,455,000 | $0 | $0 |
| Hispanic | 132 | $62,590,000 | $474,000 | $1,145,000 | $171,000 | $5,507,000 |
| Not Provided | 115 | $58,065,000 | $504,000 | $1,435,000 | $167,000 | $1,907,000 |
| White | 74 | $33,230,000 | $449,000 | $985,000 | $131,000 | $600,000 |
| Black or African American | 40 | $16,150,000 | $403,000 | $965,000 | $164,000 | $1,122,000 |
| Asian | 13 | $7,475,000 | $575,000 | $935,000 | $161,000 | $232,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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 |
|---|---|---|---|---|---|---|
| FHA-insured (Federal Housing Administration) | 424 | $192,140,000 | $453,000 | $1,105,000 | $122,000 | $280,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 303 | $147,805,000 | $487,000 | $2,455,000 | $247,000 | $5,507,000 |
| VA-guaranteed (Veterans Administration) | 216 | $78,780,000 | $364,000 | $1,735,000 | $91,000 | $202,000 |
| 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 Purchased By The Institution | 567 | $240,005,000 | $423,000 | $2,455,000 | $0 | $0 |
| Application Withdrawn By Applicant | 261 | $130,425,000 | $499,000 | $1,435,000 | $170,000 | $5,507,000 |
| Loan Originated | 55 | $23,295,000 | $423,000 | $965,000 | $127,000 | $996,000 |
| Application Approved But Not Accepted | 31 | $13,055,000 | $421,000 | $835,000 | $127,000 | $500,000 |
| Application Denied By Financial Institution | 16 | $7,000,000 | $437,000 | $905,000 | $241,000 | $1,907,000 |
| File Closed For Incompleteness | 13 | $4,945,000 | $380,000 | $725,000 | $99,000 | $192,000 |
| 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 | 927 | $411,725,000 | $444,000 | $2,455,000 | $157,000 | $5,507,000 |
| Other | 5 | $2,195,000 | $439,000 | $775,000 | $128,000 | $182,000 |
| Credit History | 4 | $1,770,000 | $442,000 | $905,000 | $541,000 | $1,907,000 |
| Debt-To-Income Ratio | 4 | $2,020,000 | $505,000 | $605,000 | $144,000 | $222,000 |
| Employment History | 1 | $455,000 | $455,000 | $455,000 | $214,000 | $214,000 |
| Unverifiable Information | 1 | $305,000 | $305,000 | $305,000 | $195,000 | $195,000 |
| Collateral | 1 | $255,000 | $255,000 | $255,000 | $68,000 | $68,000 |
| Credit Application Incomplete | 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 2023 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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