This may be where it s stemming from in your yard as you mention that the fungus seems to be limited to growing on the siding closest to your mulch beds.
Brown stains on house siding.
Brown stains on side of house tips below.
Otherwise the situation is exactly like what i see on 50s houses.
This fungus can grow on multiple surfaces including wood siding fences decks and cars.
Artillery fungus is difficult to get rid of because of its sticky properties.
Brown staining on siding looks like it s leaking down the fascia behind the gutter and following the bottom of gutter and accumulating in the front before it builds up and drops.
Brown syrup like stains streaking down the siding on the exterior wall of the bathroom.
I have often seen red or brown stains from water leaking down behind building siding on older homes.
Black brown or gray stains on roofing products due to debris left on the roof surface such as piles of leaves and.
That might have been part of the problem.
No clue about the rest of the house.
Brown stains on house tips.
Most often the root cause is wind blown rain condensation or frost accumulation behind siding that was not installed over a modern housewrap water barraier.
Stains originate just above metal z flashing.
Given that this one had mushrooms growing out from between the siding planks i told them to remove the siding in this area.