Prime Choice Funding Inc. Mortgage Lending & HMDA Data, 2018
In 2018, Prime Choice Funding Inc. of Tustin, CA reported 273 mortgage applications totaling $75.5 million. The average application was for $276,611, and applicants reported an average income of $84,205. 57% of its applications resulted in an originated loan and 1% were denied. Its largest markets were Riverside-San Bernardino-Ontario, CA (21), Denver-Aurora-Lakewood, CO (17) and Phoenix-Mesa-Scottsdale, AZ (16) (applications in parentheses).
| Mortgage Company & Address | Prime Choice Funding Inc. 17852 17th St #107 Tustin, CA 92780 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2022 2021 2020 2019 2018 |
| Total Number of Mortgage Applications | 273 |
| Total Mortgage Loan Application Amount | $75,515,000 |
| Average Mortgage Loan Application Amount | $276,611 |
| Highest Mortgage Loan Application Amount | $755,000 |
| Average Applicant Income | $84,205 |
| Highest Applicant Income | $302,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Prime Choice Funding Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Maricopa, Arizona | 16 | $ 3,760,000 | $ 235,000 | $ 63,000 |
| Los Angeles, California | 11 | $ 4,265,000 | $ 387,727 | $ 115,000 |
| San Bernardino, California | 11 | $ 2,525,000 | $ 229,545 | $ 74,000 |
| Riverside, California | 10 | $ 2,970,000 | $ 297,000 | $ 94,000 |
| Orange, California | 9 | $ 3,515,000 | $ 390,555 | $ 119,000 |
| Sacramento, California | 7 | $ 1,935,000 | $ 276,428 | $ 69,000 |
| Adams, Colorado | 6 | $ 1,960,000 | $ 326,666 | $ 93,000 |
| Arapahoe, Colorado | 5 | $ 1,435,000 | $ 287,000 | $ 57,000 |
| Miami-Dade, Florida | 5 | $ 1,395,000 | $ 279,000 | $ 71,000 |
| San Joaquin, California | 4 | $ 1,330,000 | $ 332,500 | $ 78,000 |
| Solano, California | 4 | $ 1,730,000 | $ 432,500 | $ 111,000 |
| Jefferson, Colorado | 4 | $ 1,420,000 | $ 355,000 | $ 99,000 |
| Hillsborough, Florida | 4 | $ 1,110,000 | $ 277,500 | $ 92,000 |
| Gwinnett, Georgia | 4 | $ 1,560,000 | $ 390,000 | $ 113,000 |
| Prince George's, Maryland | 4 | $ 1,260,000 | $ 315,000 | $ 74,000 |
| Fresno, California | 3 | $ 745,000 | $ 248,333 | $ 73,000 |
| San Diego, California | 3 | $ 1,305,000 | $ 435,000 | $ 109,000 |
| El Paso, Colorado | 3 | $ 695,000 | $ 231,666 | $ 55,000 |
| Broward, Florida | 3 | $ 1,035,000 | $ 345,000 | $ 84,000 |
| Duval, Florida | 3 | $ 455,000 | $ 151,666 | $ 69,000 |
| Manatee, Florida | 3 | $ 995,000 | $ 331,666 | $ 98,000 |
| Anne Arundel, Maryland | 3 | $ 855,000 | $ 285,000 | $ 138,000 |
| Wayne, Michigan | 3 | $ 675,000 | $ 225,000 | $ 100,000 |
| Wake, North Carolina | 3 | $ 685,000 | $ 228,333 | $ 43,000 |
| Newport News, Virginia | 3 | $ 725,000 | $ 241,666 | $ 80,000 |
| Pierce, Washington | 3 | $ 915,000 | $ 305,000 | $ 120,000 |
| Pima, Arizona | 2 | $ 500,000 | $ 250,000 | $ 66,000 |
| Yuma, Arizona | 2 | $ 540,000 | $ 270,000 | $ 66,000 |
| Contra Costa, California | 2 | $ 770,000 | $ 385,000 | $ 50,000 |
| Merced, California | 2 | $ 450,000 | $ 225,000 | $ 100,000 |
| Placer, California | 2 | $ 750,000 | $ 375,000 | $ 92,000 |
| Plumas, California | 2 | $ 430,000 | $ 215,000 | $ 48,000 |
| Tulare, California | 2 | $ 370,000 | $ 185,000 | $ 101,000 |
| Denver, Colorado | 2 | $ 600,000 | $ 300,000 | $ 78,000 |
| Flagler, Florida | 2 | $ 460,000 | $ 230,000 | $ 75,000 |
| Okaloosa, Florida | 2 | $ 390,000 | $ 195,000 | $ 63,000 |
| Pinellas, Florida | 2 | $ 420,000 | $ 210,000 | $ 68,000 |
| Sarasota, Florida | 2 | $ 540,000 | $ 270,000 | $ 66,000 |
| Seminole, Florida | 2 | $ 470,000 | $ 235,000 | $ 53,000 |
| Coweta, Georgia | 2 | $ 380,000 | $ 190,000 | $ 89,000 |
| Forsyth, Georgia | 2 | $ 490,000 | $ 245,000 | $ 49,000 |
| Paulding, Georgia | 2 | $ 550,000 | $ 275,000 | $ 102,000 |
| Ada, Idaho | 2 | $ 670,000 | $ 335,000 | $ 126,000 |
| Macomb, Michigan | 2 | $ 510,000 | $ 255,000 | $ 149,000 |
| Hillsborough, New Hampshire | 2 | $ 510,000 | $ 255,000 | $ 59,000 |
| Rockingham, New Hampshire | 2 | $ 450,000 | $ 225,000 | $ 82,000 |
| Bernalillo, New Mexico | 2 | $ 380,000 | $ 190,000 | $ 45,000 |
| Harnett, North Carolina | 2 | $ 430,000 | $ 215,000 | $ 57,000 |
| Deschutes, Oregon | 2 | $ 580,000 | $ 290,000 | $ 52,000 |
| Washington, Oregon | 2 | $ 730,000 | $ 365,000 | $ 92,000 |
| Montgomery, Tennessee | 2 | $ 280,000 | $ 140,000 | $ 48,000 |
| Rutherford, Tennessee | 2 | $ 500,000 | $ 250,000 | $ 99,000 |
| Shelby, Tennessee | 2 | $ 410,000 | $ 205,000 | $ 79,000 |
| Spokane, Washington | 2 | $ 570,000 | $ 285,000 | $ 85,000 |
| Chambers, Alabama | 1 | $ 265,000 | $ 265,000 | $ 114,000 |
| Jefferson, Alabama | 1 | $ 155,000 | $ 155,000 | $ 88,000 |
| Mohave, Arizona | 1 | $ 165,000 | $ 165,000 | $ 25,000 |
| Imperial, California | 1 | $ 175,000 | $ 175,000 | $ 79,000 |
| Kern, California | 1 | $ 255,000 | $ 255,000 | $ 111,000 |
| Lake, California | 1 | $ 175,000 | $ 175,000 | $ 52,000 |
| Marin, California | 1 | $ 415,000 | $ 415,000 | $ 225,000 |
| Monterey, California | 1 | $ 365,000 | $ 365,000 | $ 69,000 |
| Stanislaus, California | 1 | $ 255,000 | $ 255,000 | $ 120,000 |
| Ventura, California | 1 | $ 255,000 | $ 255,000 | $ 121,000 |
| Yolo, California | 1 | $ 275,000 | $ 275,000 | $ 70,000 |
| Conejos, Colorado | 1 | $ 305,000 | $ 305,000 | $ 47,000 |
| La Plata, Colorado | 1 | $ 205,000 | $ 205,000 | $ 79,000 |
| Mesa, Colorado | 1 | $ 355,000 | $ 355,000 | $ 115,000 |
| Pueblo, Colorado | 1 | $ 285,000 | $ 285,000 | $ 79,000 |
| Hartford, Connecticut | 1 | $ 125,000 | $ 125,000 | $ 137,000 |
| District of Columbia, District Of Columbia | 1 | $ 225,000 | $ 225,000 | $ 62,000 |
| Bay, Florida | 1 | $ 295,000 | $ 295,000 | $ 75,000 |
| Brevard, Florida | 1 | $ 265,000 | $ 265,000 | $ 55,000 |
| Citrus, Florida | 1 | $ 155,000 | $ 155,000 | $ 38,000 |
| Clay, Florida | 1 | $ 165,000 | $ 165,000 | $ 70,000 |
| Collier, Florida | 1 | $ 355,000 | $ 355,000 | $ 6,000 |
| Escambia, Florida | 1 | $ 325,000 | $ 325,000 | $ 124,000 |
| Hernando, Florida | 1 | $ 185,000 | $ 185,000 | $ 74,000 |
| Indian River, Florida | 1 | $ 165,000 | $ 165,000 | $ 40,000 |
| Lake, Florida | 1 | $ 305,000 | $ 305,000 | $ 85,000 |
| Nassau, Florida | 1 | $ 295,000 | $ 295,000 | $ 92,000 |
| Orange, Florida | 1 | $ 205,000 | $ 205,000 | $ 63,000 |
| Palm Beach, Florida | 1 | $ 195,000 | $ 195,000 | $ 33,000 |
| Pasco, Florida | 1 | $ 355,000 | $ 355,000 | $ 85,000 |
| Cherokee, Georgia | 1 | $ 165,000 | $ 165,000 | $ 45,000 |
| DeKalb, Georgia | 1 | $ 145,000 | $ 145,000 | $ 55,000 |
| Fulton, Georgia | 1 | $ 295,000 | $ 295,000 | $ 117,000 |
| Gilmer, Georgia | 1 | $ 205,000 | $ 205,000 | $ 56,000 |
| Glynn, Georgia | 1 | $ 385,000 | $ 385,000 | $ 49,000 |
| Houston, Georgia | 1 | $ 145,000 | $ 145,000 | $ 95,000 |
| Rabun, Georgia | 1 | $ 245,000 | $ 245,000 | $ 73,000 |
| Richmond, Georgia | 1 | $ 295,000 | $ 295,000 | $ 198,000 |
| Adams, Idaho | 1 | $ 165,000 | $ 165,000 | $ 41,000 |
| Bingham, Idaho | 1 | $ 295,000 | $ 295,000 | $ 148,000 |
| Elmore, Idaho | 1 | $ 155,000 | $ 155,000 | $ 24,000 |
| Franklin, Idaho | 1 | $ 185,000 | $ 185,000 | $ 66,000 |
| DuPage, Illinois | 1 | $ 165,000 | $ 165,000 | $ 81,000 |
| Tazewell, Illinois | 1 | $ 385,000 | $ 385,000 | $ 302,000 |
| Will, Illinois | 1 | $ 235,000 | $ 235,000 | $ 84,000 |
| Baltimore City, Maryland | 1 | $ 255,000 | $ 255,000 | $ 43,000 |
| Oakland, Michigan | 1 | $ 225,000 | $ 225,000 | $ 76,000 |
| Middlesex, New Jersey | 1 | $ 215,000 | $ 215,000 | $ 89,000 |
| Curry, New Mexico | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Dona Ana, New Mexico | 1 | $ 155,000 | $ 155,000 | $ 83,000 |
| Sandoval, New Mexico | 1 | $ 225,000 | $ 225,000 | $ 39,000 |
| Buncombe, North Carolina | 1 | $ 265,000 | $ 265,000 | $ 59,000 |
| Guilford, North Carolina | 1 | $ 135,000 | $ 135,000 | $ 62,000 |
| Lee, North Carolina | 1 | $ 205,000 | $ 205,000 | $ 103,000 |
| Mecklenburg, North Carolina | 1 | $ 145,000 | $ 145,000 | $ 59,000 |
| Orange, North Carolina | 1 | $ 385,000 | $ 385,000 | $ 204,000 |
| Cuyahoga, Ohio | 1 | $ 325,000 | $ 325,000 | $ 130,000 |
| Clackamas, Oregon | 1 | $ 415,000 | $ 415,000 | $ 81,000 |
| Jackson, Oregon | 1 | $ 195,000 | $ 195,000 | $ 53,000 |
| Marion, Oregon | 1 | $ 325,000 | $ 325,000 | $ 71,000 |
| Multnomah, Oregon | 1 | $ 305,000 | $ 305,000 | $ 111,000 |
| Armstrong, Pennsylvania | 1 | $ 245,000 | $ 245,000 | $ 192,000 |
| Chester, Pennsylvania | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Dauphin, Pennsylvania | 1 | $ 165,000 | $ 165,000 | $ 44,000 |
| Lancaster, Pennsylvania | 1 | $ 195,000 | $ 195,000 | $ 59,000 |
| Lehigh, Pennsylvania | 1 | $ 315,000 | $ 315,000 | $ 97,000 |
| Montgomery, Pennsylvania | 1 | $ 245,000 | $ 245,000 | $ 62,000 |
| Blount, Tennessee | 1 | $ 215,000 | $ 215,000 | $ 92,000 |
| Marshall, Tennessee | 1 | $ 395,000 | $ 395,000 | $ 0 |
| Washington, Tennessee | 1 | $ 305,000 | $ 305,000 | $ 63,000 |
| White, Tennessee | 1 | $ 185,000 | $ 185,000 | $ 66,000 |
| Wilson, Tennessee | 1 | $ 215,000 | $ 215,000 | $ 24,000 |
| Fauquier, Virginia | 1 | $ 415,000 | $ 415,000 | $ 98,000 |
| Henrico, Virginia | 1 | $ 225,000 | $ 225,000 | $ 34,000 |
| Prince William, Virginia | 1 | $ 435,000 | $ 435,000 | $ 179,000 |
| Suffolk, Virginia | 1 | $ 255,000 | $ 255,000 | $ 77,000 |
| Virginia Beach, Virginia | 1 | $ 285,000 | $ 285,000 | $ 71,000 |
| King, Washington | 1 | $ 395,000 | $ 395,000 | $ 89,000 |
| Mason, Washington | 1 | $ 305,000 | $ 305,000 | $ 60,000 |
| Snohomish, Washington | 1 | $ 185,000 | $ 185,000 | $ 60,000 |
Mortgage Loan Application Detail Totals for Prime Choice Funding 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 | 226 | $62,380,000 | $276,000 | $755,000 | $82,000 | $302,000 |
| Refinancing | 26 | $6,960,000 | $267,000 | $445,000 | $89,000 | $225,000 |
| Home Purchase | 21 | $6,175,000 | $294,000 | $565,000 | $102,000 | $208,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| White | 114 | $31,350,000 | $275,000 | $615,000 | $86,000 | $302,000 |
| Not Provided | 93 | $25,035,000 | $269,000 | $755,000 | $79,000 | $270,000 |
| Black or African American | 34 | $9,890,000 | $290,000 | $455,000 | $86,000 | $241,000 |
| Hispanic | 22 | $5,750,000 | $261,000 | $415,000 | $87,000 | $236,000 |
| Asian | 8 | $2,480,000 | $310,000 | $405,000 | $83,000 | $142,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $1,010,000 | $505,000 | $565,000 | $142,000 | $148,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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 |
|---|---|---|---|---|---|---|
| VA-guaranteed (Veterans Administration) | 159 | $43,565,000 | $273,000 | $755,000 | $75,000 | $270,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 78 | $21,450,000 | $275,000 | $615,000 | $98,000 | $302,000 |
| FHA-insured (Federal Housing Administration) | 36 | $10,500,000 | $291,000 | $565,000 | $94,000 | $208,000 |
| 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 Originated | 156 | $43,520,000 | $278,000 | $755,000 | $86,000 | $270,000 |
| Application Approved But Not Accepted | 63 | $17,385,000 | $275,000 | $615,000 | $78,000 | $302,000 |
| Application Withdrawn By Applicant | 50 | $13,660,000 | $273,000 | $565,000 | $89,000 | $261,000 |
| Application Denied By Financial Institution | 4 | $950,000 | $237,000 | $365,000 | $58,000 | $100,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 269 | $74,565,000 | $277,000 | $755,000 | $84,000 | $302,000 |
| Credit History | 2 | $390,000 | $195,000 | $205,000 | $78,000 | $100,000 |
| Debt-To-Income Ratio | 1 | $365,000 | $365,000 | $365,000 | $41,000 | $41,000 |
| Other | 1 | $195,000 | $195,000 | $195,000 | $35,000 | $35,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 Prime Choice Funding 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 Prime Choice Funding 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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