Emet Lending Group, Inc. Mortgage Lending & HMDA Data, 2022
In 2022, Emet Lending Group, Inc. of Brea, CA reported 782 mortgage applications totaling $384.3 million, down 27% from 2021. The average application was for $491,483, and applicants reported an average income of $143,795. 68% of its applications resulted in an originated loan and 0% were denied. Its largest markets were Washington-Arlington-Alexandria, DC-VA-MD-WV (187), Los Angeles-Long Beach-Glendale, CA (118) and Anaheim-Santa Ana-Irvine, CA (78) (applications in parentheses).
| Mortgage Company & Address | Emet Lending Group, Inc. 2601 Saturn St Suite 200 Brea, CA 92821 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 |
| Total Number of Mortgage Applications | 782 |
| Total Mortgage Loan Application Amount | $384,340,000 |
| Average Mortgage Loan Application Amount | $491,483 |
| Highest Mortgage Loan Application Amount | $2,505,000 |
| Average Applicant Income | $143,795 |
| Highest Applicant Income | $1,920,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Emet Lending Group, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Los Angeles, California | 118 | $ 69,150,000 | $ 586,016 | $ 167,000 |
| Orange, California | 78 | $ 54,080,000 | $ 693,333 | $ 242,000 |
| Fairfax, Virginia | 75 | $ 33,145,000 | $ 441,933 | $ 120,000 |
| Gwinnett, Georgia | 44 | $ 14,840,000 | $ 337,272 | $ 94,000 |
| San Bernardino, California | 37 | $ 18,045,000 | $ 487,702 | $ 150,000 |
| Prince William, Virginia | 34 | $ 13,400,000 | $ 394,117 | $ 97,000 |
| Howard, Maryland | 27 | $ 11,995,000 | $ 444,259 | $ 133,000 |
| Sacramento, California | 25 | $ 11,155,000 | $ 446,200 | $ 137,000 |
| Prince George's, Maryland | 25 | $ 9,305,000 | $ 372,200 | $ 98,000 |
| Alameda, California | 24 | $ 16,600,000 | $ 691,666 | $ 166,000 |
| Anne Arundel, Maryland | 24 | $ 7,940,000 | $ 330,833 | $ 86,000 |
| Riverside, California | 23 | $ 12,345,000 | $ 536,739 | $ 163,000 |
| Montgomery, Maryland | 20 | $ 9,860,000 | $ 493,000 | $ 135,000 |
| Loudoun, Virginia | 18 | $ 7,610,000 | $ 422,777 | $ 103,000 |
| San Francisco, California | 16 | $ 11,860,000 | $ 741,250 | $ 186,000 |
| Santa Clara, California | 14 | $ 10,020,000 | $ 715,714 | $ 206,000 |
| Contra Costa, California | 13 | $ 7,375,000 | $ 567,307 | $ 157,000 |
| Baltimore, Maryland | 13 | $ 4,155,000 | $ 319,615 | $ 89,000 |
| Jackson, Georgia | 12 | $ 3,400,000 | $ 283,333 | $ 124,000 |
| Chesapeake, Virginia | 11 | $ 3,235,000 | $ 294,090 | $ 66,000 |
| San Diego, California | 8 | $ 5,870,000 | $ 733,750 | $ 261,000 |
| San Mateo, California | 7 | $ 6,475,000 | $ 925,000 | $ 208,000 |
| Ventura, California | 6 | $ 3,240,000 | $ 540,000 | $ 112,000 |
| Frederick, Maryland | 6 | $ 2,030,000 | $ 338,333 | $ 103,000 |
| Manassas, Virginia | 6 | $ 1,690,000 | $ 281,666 | $ 117,000 |
| Spotsylvania, Virginia | 6 | $ 2,310,000 | $ 385,000 | $ 113,000 |
| Fresno, California | 5 | $ 1,605,000 | $ 321,000 | $ 165,000 |
| Charles, Maryland | 5 | $ 2,405,000 | $ 481,000 | $ 128,000 |
| Stafford, Virginia | 5 | $ 1,615,000 | $ 323,000 | $ 113,000 |
| Suffolk, Virginia | 5 | $ 1,605,000 | $ 321,000 | $ 134,000 |
| Virginia Beach, Virginia | 5 | $ 1,795,000 | $ 359,000 | $ 85,000 |
| Forsyth, Georgia | 4 | $ 1,870,000 | $ 467,500 | $ 165,000 |
| Henrico, Virginia | 4 | $ 1,210,000 | $ 302,500 | $ 120,000 |
| District of Columbia, District Of Columbia | 3 | $ 1,015,000 | $ 338,333 | $ 166,000 |
| Fairfax City, Virginia | 3 | $ 1,155,000 | $ 385,000 | $ 208,000 |
| Newport News, Virginia | 3 | $ 635,000 | $ 211,666 | $ 65,000 |
| Kern, California | 2 | $ 650,000 | $ 325,000 | $ 127,000 |
| Placer, California | 2 | $ 1,080,000 | $ 540,000 | $ 99,000 |
| Solano, California | 2 | $ 1,130,000 | $ 565,000 | $ 136,000 |
| Sonoma, California | 2 | $ 710,000 | $ 355,000 | $ 100,000 |
| Arapahoe, Colorado | 2 | $ 840,000 | $ 420,000 | $ 191,000 |
| DeKalb, Georgia | 2 | $ 510,000 | $ 255,000 | $ 102,000 |
| Harris, Texas | 2 | $ 250,000 | $ 125,000 | $ 62,000 |
| Arlington, Virginia | 2 | $ 1,000,000 | $ 500,000 | $ 183,000 |
| Frederick, Virginia | 2 | $ 520,000 | $ 260,000 | $ 113,000 |
| Madison, Alabama | 1 | $ 235,000 | $ 235,000 | $ 67,000 |
| Montgomery, Alabama | 1 | $ 255,000 | $ 255,000 | $ 85,000 |
| Merced, California | 1 | $ 225,000 | $ 225,000 | $ 109,000 |
| Monterey, California | 1 | $ 595,000 | $ 595,000 | $ 168,000 |
| San Benito, California | 1 | $ 725,000 | $ 725,000 | $ 186,000 |
| San Joaquin, California | 1 | $ 385,000 | $ 385,000 | $ 122,000 |
| Yolo, California | 1 | $ 575,000 | $ 575,000 | $ 125,000 |
| Denver, Colorado | 1 | $ 425,000 | $ 425,000 | $ 94,000 |
| Douglas, Colorado | 1 | $ 495,000 | $ 495,000 | $ 89,000 |
| Jefferson, Colorado | 1 | $ 815,000 | $ 815,000 | $ 192,000 |
| Walton, Florida | 1 | $ 485,000 | $ 485,000 | $ 328,000 |
| Baldwin, Georgia | 1 | $ 315,000 | $ 315,000 | $ 173,000 |
| Barrow, Georgia | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Fulton, Georgia | 1 | $ 525,000 | $ 525,000 | $ 93,000 |
| Troup, Georgia | 1 | $ 145,000 | $ 145,000 | $ 53,000 |
| Carroll, Maryland | 1 | $ 415,000 | $ 415,000 | $ 101,000 |
| Queen Anne's, Maryland | 1 | $ 275,000 | $ 275,000 | $ 62,000 |
| Wake, North Carolina | 1 | $ 325,000 | $ 325,000 | $ 0 |
| Blount, Tennessee | 1 | $ 355,000 | $ 355,000 | $ 109,000 |
| Knox, Tennessee | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Fort Bend, Texas | 1 | $ 145,000 | $ 145,000 | $ 69,000 |
| Williamson, Texas | 1 | $ 625,000 | $ 625,000 | $ 174,000 |
| Albemarle, Virginia | 1 | $ 285,000 | $ 285,000 | $ 71,000 |
| Alexandria, Virginia | 1 | $ 525,000 | $ 525,000 | $ 98,000 |
| Amherst, Virginia | 1 | $ 335,000 | $ 335,000 | $ 103,000 |
| Falls Church, Virginia | 1 | $ 105,000 | $ 105,000 | $ 35,000 |
| Fauquier, Virginia | 1 | $ 405,000 | $ 405,000 | $ 88,000 |
| Lynchburg, Virginia | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Manassas Park, Virginia | 1 | $ 325,000 | $ 325,000 | $ 60,000 |
| Portsmouth, Virginia | 1 | $ 235,000 | $ 235,000 | $ 65,000 |
| Roanoke, Virginia | 1 | $ 225,000 | $ 225,000 | $ 41,000 |
| Warren, Virginia | 1 | $ 295,000 | $ 295,000 | $ 70,000 |
Mortgage Loan Application Detail Totals for Emet Lending Group, 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 544 | $271,010,000 | $498,000 | $2,505,000 | $146,000 | $1,920,000 |
| Cash-out Refinancing | 142 | $74,400,000 | $523,000 | $2,005,000 | $144,000 | $797,000 |
| Refinancing | 96 | $38,930,000 | $405,000 | $1,355,000 | $131,000 | $588,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 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 |
|---|---|---|---|---|---|---|
| Asian | 526 | $261,700,000 | $497,000 | $2,505,000 | $145,000 | $1,920,000 |
| Not Provided | 108 | $56,400,000 | $522,000 | $1,355,000 | $155,000 | $632,000 |
| White | 64 | $33,770,000 | $527,000 | $2,005,000 | $156,000 | $929,000 |
| Hispanic | 64 | $24,860,000 | $388,000 | $615,000 | $119,000 | $694,000 |
| Black or African American | 18 | $6,650,000 | $369,000 | $625,000 | $100,000 | $176,000 |
| American Indian or Alaskan Native | 2 | $960,000 | $480,000 | $615,000 | $179,000 | $204,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 749 | $370,995,000 | $495,000 | $2,505,000 | $146,000 | $1,920,000 |
| FHA-insured (Federal Housing Administration) | 33 | $13,345,000 | $404,000 | $625,000 | $91,000 | $138,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 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 | 530 | $242,460,000 | $457,000 | $2,505,000 | $135,000 | $1,920,000 |
| Application Withdrawn By Applicant | 177 | $103,965,000 | $587,000 | $2,505,000 | $166,000 | $1,655,000 |
| Application Approved But Not Accepted | 67 | $33,915,000 | $506,000 | $2,115,000 | $160,000 | $592,000 |
| File Closed For Incompleteness | 8 | $4,000,000 | $500,000 | $1,005,000 | $142,000 | $236,000 |
| Application Denied By Financial Institution | 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 | 782 | $384,340,000 | $491,000 | $2,505,000 | $144,000 | $1,920,000 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 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 Emet Lending Group, 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 Emet Lending Group, 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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