Residential Wholesale Mortgage Mortgage Lending & HMDA Data, 2025

In 2025, Residential Wholesale Mortgage of San Diego, CA reported 3,667 mortgage applications totaling $1.4 billion, up 86% from 2024. The average application was for $387,285, and applicants reported an average income of $153,109. 61% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Riverside-San Bernardino-Ontario, CA (278), San Diego-Carlsbad, CA (267) and Austin-Round Rock, TX (140) (applications in parentheses).

Mortgage Company & Address Residential Wholesale Mortgage
11234 El Camino Real #100
San Diego, CA 92130
Tel #: available with data download
Federal Regulator * available with data download
Years 2025  2024  2023  2022  2021  2020  2019  2018  2017  2016  2015  2013  2011  2010  
Total Number of Mortgage Applications 3,667
Total Mortgage Loan Application Amount $1,420,175,000
Average Mortgage Loan Application Amount $387,285
Highest Mortgage Loan Application Amount $4,005,000
Average Applicant Income $153,109
Highest Applicant Income $2,792,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Residential Wholesale Mortgage filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for Residential Wholesale Mortgage by Metropolitan Area in 2025

Metro Area Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Application Amount Average Applicant Income
Outside any metro area 651 $ 254,475,000 $ 390,898 $ 143,897
Riverside-San Bernardino-Ontario, CA 278 $ 125,400,000 $ 451,079 $ 148,000
San Diego-Carlsbad, CA 267 $ 181,095,000 $ 678,258 $ 227,000
Austin-Round Rock, TX 140 $ 55,200,000 $ 394,285 $ 204,000
Lubbock, TX 137 $ 42,725,000 $ 311,861 $ 216,000
Visalia-Porterville, CA 124 $ 28,160,000 $ 227,096 $ 116,000
Fresno, CA 109 $ 30,935,000 $ 283,807 $ 128,000
Bellingham, WA 98 $ 47,480,000 $ 484,489 $ 168,000
Lake Havasu City-Kingman, AZ 98 $ 21,400,000 $ 218,367 $ 92,000
Atlanta-Sandy Springs-Roswell, GA 96 $ 22,370,000 $ 233,020 $ 79,000
Charlotte-Concord-Gastonia, NC-SC 76 $ 28,620,000 $ 376,578 $ 160,263
Las Vegas-Henderson-Paradise, NV 63 $ 21,995,000 $ 349,126 $ 106,000
Charleston-North Charleston, SC 60 $ 23,340,000 $ 389,000 $ 143,000
Houston-The Woodlands-Sugar Land, TX 57 $ 20,425,000 $ 358,333 $ 185,000
Lynchburg, VA 57 $ 16,435,000 $ 288,333 $ 109,000
Dallas-Plano-Irving, TX 56 $ 25,150,000 $ 449,107 $ 223,000
Wichita Falls, TX 51 $ 7,475,000 $ 146,568 $ 72,000
Sacramento--Roseville--Arden-Arcade, CA 48 $ 22,600,000 $ 470,833 $ 200,000
San Antonio-New Braunfels, TX 48 $ 15,630,000 $ 325,625 $ 135,000
Cincinnati, OH-KY-IN 47 $ 16,165,000 $ 343,936 $ 130,340
Warren-Troy-Farmington Hills, MI 47 $ 16,105,000 $ 342,659 $ 136,000
Yuma, AZ 39 $ 8,205,000 $ 210,384 $ 76,000
Colorado Springs, CO 38 $ 19,610,000 $ 516,052 $ 141,000
Los Angeles-Long Beach-Glendale, CA 38 $ 29,060,000 $ 764,736 $ 246,000
Spartanburg, SC 38 $ 8,420,000 $ 221,578 $ 81,000
Killeen-Temple, TX 33 $ 8,415,000 $ 255,000 $ 112,000
Dayton-Springfield-Kettering, OH 32 $ 7,360,000 $ 230,000 $ 106,000
Fort Worth-Arlington, TX 32 $ 11,300,000 $ 353,125 $ 162,000
Nashville-Davidson--Murfreesboro--Franklin, TN 32 $ 16,120,000 $ 503,750 $ 194,000
College Station-Bryan, TX 31 $ 8,845,000 $ 285,322 $ 134,000
Jacksonville, NC 29 $ 9,045,000 $ 311,896 $ 103,000
Birmingham-Hoover, AL 27 $ 8,035,000 $ 297,592 $ 143,000
Odessa, TX 26 $ 6,090,000 $ 234,230 $ 139,000
Santa Maria-Santa Barbara, CA 26 $ 12,190,000 $ 468,846 $ 116,000
North Port-Sarasota-Bradenton, FL 25 $ 9,145,000 $ 365,800 $ 201,000
Seattle-Bellevue-Everett, WA 23 $ 13,215,000 $ 574,565 $ 223,000
Vallejo-Fairfield, CA 23 $ 13,185,000 $ 573,260 $ 215,000
Oakland-Hayward-Berkeley, CA 22 $ 14,570,000 $ 662,272 $ 195,000
Phoenix-Mesa-Scottsdale, AZ 22 $ 9,100,000 $ 413,636 $ 121,000
Grand Junction, CO 19 $ 7,035,000 $ 370,263 $ 135,000
Pinehurst-Southern Pines, NC 17 $ 9,475,000 $ 557,352 $ 226,000
Minneapolis-St. Paul-Bloomington, MN-WI 16 $ 5,290,000 $ 330,625 $ 168,000
Midland, TX 14 $ 4,680,000 $ 334,285 $ 146,000
Stockton-Lodi, CA 14 $ 5,930,000 $ 423,571 $ 193,000
Detroit-Dearborn-Livonia, MI 13 $ 2,565,000 $ 197,307 $ 96,000
Lake County-Porter County-Jasper County, IN 13 $ 3,215,000 $ 247,307 $ 95,000
Mount Vernon-Anacortes, WA 13 $ 6,005,000 $ 461,923 $ 178,000
Chicago-Naperville, IL 12 $ 3,470,000 $ 289,166 $ 133,000
Tacoma-Lakewood, WA 12 $ 5,520,000 $ 460,000 $ 112,000
Waco, TX 12 $ 3,960,000 $ 330,000 $ 205,000
Anaheim-Santa Ana-Irvine, CA 11 $ 7,585,000 $ 689,545 $ 197,000
Denver-Aurora-Lakewood, CO 11 $ 4,665,000 $ 424,090 $ 188,000
Tampa, FL 11 $ 3,745,000 $ 340,454 $ 91,000
Fayetteville, NC 10 $ 3,320,000 $ 332,000 $ 127,000
Milwaukee-Waukesha-West Allis, WI 10 $ 3,680,000 $ 368,000 $ 209,000
Raleigh, NC 10 $ 3,830,000 $ 383,000 $ 225,000
Corpus Christi, TX 9 $ 1,685,000 $ 187,222 $ 98,000
Wilmington, NC 9 $ 4,195,000 $ 466,111 $ 154,000
Chattanooga, TN-GA 8 $ 2,150,000 $ 268,750 $ 92,750
Columbus, OH 8 $ 1,900,000 $ 237,500 $ 106,000
San Luis Obispo-Paso Robles-Arroyo Grande, CA 8 $ 4,590,000 $ 573,750 $ 168,000
Modesto, CA 7 $ 2,335,000 $ 333,571 $ 117,000
Naples-Immokalee-Marco Island, FL 7 $ 3,105,000 $ 443,571 $ 212,000
Columbus, GA-AL 6 $ 530,000 $ 88,333 $ 103,000
Hanford-Corcoran, CA 6 $ 870,000 $ 145,000 $ 73,000
Huntsville, AL 6 $ 1,840,000 $ 306,666 $ 124,000
Marietta, GA 6 $ 1,270,000 $ 211,666 $ 96,000
Portland-Vancouver-Hillsboro, OR-WA 6 $ 2,580,000 $ 430,000 $ 247,500
Reno, NV 6 $ 3,120,000 $ 520,000 $ 174,000
Albany, GA 5 $ 1,025,000 $ 205,000 $ 77,000
Columbia, SC 5 $ 2,455,000 $ 491,000 $ 182,000
Crestview-Fort Walton Beach-Destin, FL 5 $ 2,195,000 $ 439,000 $ 103,000
Racine, WI 5 $ 935,000 $ 187,000 $ 60,000
Spokane-Spokane Valley, WA 5 $ 1,495,000 $ 299,000 $ 161,000
Tulsa, OK 5 $ 1,715,000 $ 343,000 $ 214,000
Boise City, ID 4 $ 1,870,000 $ 467,500 $ 149,000
Cape Coral-Fort Myers, FL 4 $ 1,480,000 $ 370,000 $ 164,000
Fort Lauderdale-Pompano Beach-Deerfield Beach, FL 4 $ 880,000 $ 220,000 $ 75,000
Greenville-Anderson-Mauldin, SC 4 $ 950,000 $ 237,500 $ 91,000
Kenosha, WI 4 $ 770,000 $ 192,500 $ 69,000
Myrtle Beach-Conway-North Myrtle Beach, SC-NC 4 $ 2,310,000 $ 577,500 $ 242,000
Napa, CA 4 $ 2,370,000 $ 592,500 $ 262,000
Prescott Valley-Prescott, AZ 4 $ 1,390,000 $ 347,500 $ 187,000
Santa Rosa, CA 4 $ 2,270,000 $ 567,500 $ 173,000
Springfield, OH 4 $ 560,000 $ 140,000 $ 76,000
St. Petersburg-Clearwater-Largo, FL 4 $ 1,390,000 $ 347,500 $ 151,000
Valdosta, GA 4 $ 660,000 $ 165,000 $ 75,000
Anniston-Oxford-Jacksonville, AL 3 $ 525,000 $ 175,000 $ 75,000
Bend-Redmond, OR 3 $ 1,845,000 $ 615,000 $ 271,000
Bremerton-Silverdale, WA 3 $ 1,665,000 $ 555,000 $ 272,000
Everett, WA 3 $ 805,000 $ 268,333 $ 127,000
Greensboro-High Point, NC 3 $ 345,000 $ 115,000 $ 104,000
Jacksonville, FL 3 $ 515,000 $ 171,666 $ 84,000
Knoxville, TN 3 $ 685,000 $ 228,333 $ 319,000
Miami-Miami Beach-Kendall, FL 3 $ 645,000 $ 215,000 $ 160,000
Provo-Orem, UT 3 $ 1,285,000 $ 428,333 $ 148,000
Richmond, VA 3 $ 1,145,000 $ 381,666 $ 103,000
San Francisco-Redwood City-South San Francisco, CA 3 $ 2,675,000 $ 891,666 $ 172,000
San Rafael, CA 3 $ 1,705,000 $ 568,333 $ 217,000
St. George, UT 3 $ 965,000 $ 321,666 $ 67,000
Traverse City, MI 3 $ 655,000 $ 218,333 $ 42,000
West Palm Beach-Boca Raton-Delray Beach, FL 3 $ 1,075,000 $ 358,333 $ 434,000
Amarillo, TX 2 $ 340,000 $ 170,000 $ 123,000
Ann Arbor, MI 2 $ 690,000 $ 345,000 $ 168,000
Arlington-Alexandria-Reston, VA-WV 2 $ 450,000 $ 225,000 $ 54,000
Bakersfield, CA 2 $ 230,000 $ 115,000 $ 55,000
Boulder, CO 2 $ 950,000 $ 475,000 $ 148,000
Daphne-Fairhope-Foley, AL 2 $ 560,000 $ 280,000 $ 132,000
Florence-Muscle Shoals, AL 2 $ 520,000 $ 260,000 $ 115,000
Grand Rapids-Wyoming, MI 2 $ 650,000 $ 325,000 $ 129,000
Hickory-Lenoir-Morganton, NC 2 $ 570,000 $ 285,000 $ 105,000
Hilton Head Island-Bluffton-Beaufort, SC 2 $ 300,000 $ 150,000 $ 66,000
Indianapolis-Carmel-Anderson, IN 2 $ 390,000 $ 195,000 $ 93,000
Lansing-East Lansing, MI 2 $ 530,000 $ 265,000 $ 289,000
Laredo, TX 2 $ 340,000 $ 170,000 $ 0
Merced, CA 2 $ 740,000 $ 370,000 $ 101,000
Montgomery, AL 2 $ 160,000 $ 80,000 $ 45,000
Orlando-Kissimmee-Sanford, FL 2 $ 1,080,000 $ 540,000 $ 151,000
Palm Bay-Melbourne-Titusville, FL 2 $ 690,000 $ 345,000 $ 129,000
Roanoke, VA 2 $ 760,000 $ 380,000 $ 107,000
Sherman-Denison, TX 2 $ 240,000 $ 120,000 $ 61,000
Staunton-Waynesboro, VA 2 $ 670,000 $ 335,000 $ 156,000
Sumter, SC 2 $ 310,000 $ 155,000 $ 69,000
Toledo, OH 2 $ 550,000 $ 275,000 $ 117,000
Tucson, AZ 2 $ 600,000 $ 300,000 $ 82,000
Abilene, TX 1 $ 325,000 $ 325,000 $ 571,000
Asheville, NC 1 $ 185,000 $ 185,000 $ 59,000
Augusta-Richmond County, GA-SC 1 $ 345,000 $ 345,000 $ 216,000
Billings, MT 1 $ 485,000 $ 485,000 $ 140,000
Bowling Green, KY 1 $ 305,000 $ 305,000 $ 155,000
Bozeman, MT 1 $ 1,155,000 $ 1,155,000 $ 634,000
Brownsville-Harlingen, TX 1 $ 335,000 $ 335,000 $ 152,000
Brunswick, GA 1 $ 185,000 $ 185,000 $ 54,000
Carson City, NV 1 $ 255,000 $ 255,000 $ 139,000
Chico, CA 1 $ 485,000 $ 485,000 $ 162,000
Clarksville, TN-KY 1 $ 425,000 $ 425,000 $ 103,000
Coeur D'Alene, ID 1 $ 455,000 $ 455,000 $ 191,000
Dalton, GA 1 $ 85,000 $ 85,000 $ 54,000
Deltona-Daytona Beach-Ormond Beach, FL 1 $ 355,000 $ 355,000 $ 117,000
Durham-Chapel Hill, NC 1 $ 245,000 $ 245,000 $ 279,000
El Centro, CA 1 $ 285,000 $ 285,000 $ 341,000
Enid, OK 1 $ 255,000 $ 255,000 $ 46,000
Flint, MI 1 $ 165,000 $ 165,000 $ 192,000
Goldsboro, NC 1 $ 405,000 $ 405,000 $ 152,000
Greeley, CO 1 $ 415,000 $ 415,000 $ 115,000
Hinesville, GA 1 $ 325,000 $ 325,000 $ 78,000
Kalamazoo-Portage, MI 1 $ 255,000 $ 255,000 $ 92,000
Lawton, OK 1 $ 405,000 $ 405,000 $ 0
Little Rock-North Little Rock-Conway, AR 1 $ 265,000 $ 265,000 $ 177,000
McAllen-Edinburg-Mission, TX 1 $ 125,000 $ 125,000 $ 97,000
Memphis, TN-MS-AR 1 $ 375,000 $ 375,000 $ 86,000
Monroe, LA 1 $ 265,000 $ 265,000 $ 294,000
Montgomery County-Bucks County-Chester County, PA 1 $ 455,000 $ 455,000 $ 244,000
Ocala, FL 1 $ 125,000 $ 125,000 $ 112,000
Ogden-Clearfield, UT 1 $ 245,000 $ 245,000 $ 0
Olympia-Tumwater, WA 1 $ 385,000 $ 385,000 $ 101,000
Pensacola-Ferry Pass-Brent, FL 1 $ 275,000 $ 275,000 $ 0
Pittsburgh, PA 1 $ 555,000 $ 555,000 $ 118,000
Redding, CA 1 $ 215,000 $ 215,000 $ 53,000
Rockford, IL 1 $ 105,000 $ 105,000 $ 49,000
San Jose-Sunnyvale-Santa Clara, CA 1 $ 1,195,000 $ 1,195,000 $ 421,000
Savannah, GA 1 $ 315,000 $ 315,000 $ 100,000
Sebastian-Vero Beach, FL 1 $ 145,000 $ 145,000 $ 223,000
South Bend-Mishawaka, IN-MI 1 $ 375,000 $ 375,000 $ 261,000
Tuscaloosa, AL 1 $ 385,000 $ 385,000 $ 209,000
Warner Robins, GA 1 $ 185,000 $ 185,000 $ 99,000
Washington-Baltimore-Arlington, DC 1 $ 795,000 $ 795,000 $ 269,000
Wildwood-The Villages, FL 1 $ 215,000 $ 215,000 $ 0
Winston-Salem, NC 1 $ 235,000 $ 235,000 $ 108,000

Mortgage Loan Application Detail Totals for Residential Wholesale Mortgage in 2025

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
Home Purchase 2,897 $1,100,385,000 $379,000 $2,705,000 $151,000 $2,368,000
Refinancing 448 $201,600,000 $450,000 $1,735,000 $169,000 $2,792,000
Cash-out Refinancing 309 $111,345,000 $360,000 $4,005,000 $147,000 $1,872,000
Other Purpose 8 $4,640,000 $580,000 $2,145,000 $230,000 $845,000
Home Improvement 5 $2,205,000 $441,000 $885,000 $206,000 $423,000
Not Applicable 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 1,783 $721,425,000 $404,000 $4,005,000 $162,000 $2,355,000
Hispanic 742 $246,640,000 $332,000 $1,685,000 $126,000 $1,389,000
Not Provided 665 $271,505,000 $408,000 $2,455,000 $164,000 $2,792,000
Black or African American 233 $61,645,000 $264,000 $1,485,000 $95,000 $553,000
Asian 216 $109,580,000 $507,000 $1,935,000 $203,000 $2,368,000
American Indian or Alaskan Native 19 $6,655,000 $350,000 $955,000 $110,000 $266,000
Native Hawaiian or Other Pacific Islander 9 $2,725,000 $302,000 $945,000 $137,000 $408,000
Not applicable 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
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 2,411 $958,335,000 $397,000 $4,005,000 $175,000 $2,792,000
FHA-insured (Federal Housing Administration) 821 $272,755,000 $332,000 $1,085,000 $104,000 $406,000
VA-guaranteed (Veterans Administration) 407 $182,535,000 $448,000 $1,755,000 $125,000 $1,872,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 28 $6,550,000 $233,000 $425,000 $81,000 $126,000

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 Originated 2,228 $830,700,000 $372,000 $2,705,000 $151,000 $2,368,000
Application Withdrawn By Applicant 972 $381,440,000 $392,000 $4,005,000 $164,000 $2,792,000
Preapproval Approved but not Accepted 382 $175,640,000 $459,000 $1,755,000 $142,000 $607,000
Application Denied By Financial Institution 56 $16,740,000 $298,000 $1,205,000 $93,000 $432,000
Application Approved But Not Accepted 17 $9,905,000 $582,000 $1,935,000 $210,000 $769,000
Preapproval Denied by Financial Institution 11 $5,545,000 $504,000 $2,455,000 $125,000 $698,000
File Closed For Incompleteness 1 $205,000 $205,000 $205,000 $44,000 $44,000
Loan Purchased By The 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 3,600 $1,397,890,000 $388,000 $4,005,000 $154,000 $2,792,000
Debt-To-Income Ratio 20 $9,010,000 $450,000 $2,455,000 $110,000 $698,000
Collateral 16 $4,520,000 $282,000 $1,205,000 $97,000 $331,000
Unverifiable Information 11 $4,035,000 $366,000 $1,005,000 $105,000 $378,000
Credit History 7 $1,405,000 $200,000 $495,000 $61,000 $109,000
Insufficient Cash (Downpayment, Closing Cost) 5 $1,305,000 $261,000 $585,000 $66,000 $128,000
Other 4 $1,070,000 $267,000 $385,000 $145,000 $432,000
Credit Application Incomplete 2 $380,000 $190,000 $225,000 $72,000 $97,000
Employment History 2 $560,000 $280,000 $385,000 $92,000 $118,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Residential Wholesale Mortgage's 2025 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 Residential Wholesale Mortgage'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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