Emet Lending Group, Inc. Mortgage Lending & HMDA Data, 2024
In 2024, Emet Lending Group, Inc. of Brea, CA reported 2,455 mortgage applications totaling $1.6 billion, up 91% from 2023. The average application was for $640,319, and applicants reported an average income of $311,691. 80% of its applications resulted in an originated loan and 0% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (937), Riverside-San Bernardino-Ontario, CA (381) and Anaheim-Santa Ana-Irvine, CA (264) (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 | 2,455 |
| Total Mortgage Loan Application Amount | $1,571,985,000 |
| Average Mortgage Loan Application Amount | $640,319 |
| Highest Mortgage Loan Application Amount | $3,505,000 |
| Average Applicant Income | $311,691 |
| Highest Applicant Income | $9,996,000 |
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(HMDA) records Emet Lending Group, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Los Angeles-Long Beach-Glendale, CA | 937 | $ 724,005,000 | $ 772,684 | $ 401,000 |
| Riverside-San Bernardino-Ontario, CA | 381 | $ 210,745,000 | $ 553,136 | $ 290,000 |
| Anaheim-Santa Ana-Irvine, CA | 264 | $ 233,060,000 | $ 882,803 | $ 397,000 |
| Houston-The Woodlands-Sugar Land, TX | 174 | $ 52,830,000 | $ 303,620 | $ 145,000 |
| Arlington-Alexandria-Reston, VA-WV | 125 | $ 61,825,000 | $ 494,600 | $ 145,000 |
| Baltimore-Columbia-Towson, MD | 51 | $ 17,885,000 | $ 350,686 | $ 100,000 |
| Dallas-Plano-Irving, TX | 50 | $ 21,400,000 | $ 428,000 | $ 298,000 |
| San Diego-Carlsbad, CA | 45 | $ 39,835,000 | $ 885,222 | $ 561,000 |
| Oakland-Hayward-Berkeley, CA | 39 | $ 27,705,000 | $ 710,384 | $ 283,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 33 | $ 37,005,000 | $ 1,121,363 | $ 474,000 |
| Bakersfield, CA | 31 | $ 10,955,000 | $ 353,387 | $ 151,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 25 | $ 6,195,000 | $ 247,800 | $ 78,000 |
| Washington, DC-MD | 25 | $ 10,475,000 | $ 419,000 | $ 139,400 |
| Washington-Baltimore-Arlington, DC | 25 | $ 11,945,000 | $ 477,800 | $ 134,000 |
| Atlanta-Sandy Springs-Roswell, GA | 24 | $ 9,720,000 | $ 405,000 | $ 164,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 21 | $ 15,905,000 | $ 757,380 | $ 267,000 |
| Fresno, CA | 15 | $ 4,855,000 | $ 323,666 | $ 79,000 |
| Outside any metro area | 12 | $ 3,720,000 | $ 310,000 | $ 209,250 |
| Sacramento--Roseville--Arden-Arcade, CA | 12 | $ 5,940,000 | $ 495,000 | $ 216,000 |
| San Francisco-Redwood City-South San Francisco, CA | 11 | $ 9,175,000 | $ 834,090 | $ 292,000 |
| Austin-Round Rock, TX | 10 | $ 2,800,000 | $ 280,000 | $ 106,000 |
| Fort Worth-Arlington, TX | 10 | $ 2,860,000 | $ 286,000 | $ 94,000 |
| Las Vegas-Henderson-Paradise, NV | 7 | $ 2,505,000 | $ 357,857 | $ 108,000 |
| Lynchburg, VA | 7 | $ 1,245,000 | $ 177,857 | $ 77,000 |
| Richmond, VA | 7 | $ 2,315,000 | $ 330,714 | $ 115,000 |
| San Antonio-New Braunfels, TX | 7 | $ 1,895,000 | $ 270,714 | $ 127,000 |
| Savannah, GA | 6 | $ 1,410,000 | $ 235,000 | $ 25,000 |
| Charlotte-Concord-Gastonia, NC-SC | 5 | $ 1,325,000 | $ 265,000 | $ 65,000 |
| Miami-Miami Beach-Kendall, FL | 5 | $ 3,735,000 | $ 747,000 | $ 307,000 |
| Phoenix-Mesa-Scottsdale, AZ | 5 | $ 1,375,000 | $ 275,000 | $ 118,000 |
| Santa Maria-Santa Barbara, CA | 5 | $ 3,445,000 | $ 689,000 | $ 330,000 |
| Seattle-Bellevue-Everett, WA | 5 | $ 4,275,000 | $ 855,000 | $ 164,000 |
| Winchester, VA-WV | 5 | $ 1,285,000 | $ 257,000 | $ 61,000 |
| Roanoke, VA | 4 | $ 1,110,000 | $ 277,500 | $ 116,000 |
| College Station-Bryan, TX | 3 | $ 705,000 | $ 235,000 | $ 112,000 |
| El Paso, TX | 3 | $ 505,000 | $ 168,333 | $ 2,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 3 | $ 1,045,000 | $ 348,333 | $ 335,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 3 | $ 1,125,000 | $ 375,000 | $ 104,000 |
| Stockton-Lodi, CA | 3 | $ 965,000 | $ 321,666 | $ 189,000 |
| Vallejo-Fairfield, CA | 3 | $ 1,715,000 | $ 571,666 | $ 108,000 |
| Columbia, SC | 2 | $ 540,000 | $ 270,000 | $ 105,000 |
| Jacksonville, FL | 2 | $ 340,000 | $ 170,000 | $ 454,000 |
| Killeen-Temple, TX | 2 | $ 470,000 | $ 235,000 | $ 63,000 |
| Lake Havasu City-Kingman, AZ | 2 | $ 630,000 | $ 315,000 | $ 260,000 |
| Lubbock, TX | 2 | $ 370,000 | $ 185,000 | $ 48,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 2 | $ 1,100,000 | $ 550,000 | $ 96,000 |
| Orlando-Kissimmee-Sanford, FL | 2 | $ 760,000 | $ 380,000 | $ 413,000 |
| Raleigh, NC | 2 | $ 620,000 | $ 310,000 | $ 88,000 |
| Tampa, FL | 2 | $ 360,000 | $ 180,000 | $ 113,000 |
| Tucson, AZ | 2 | $ 640,000 | $ 320,000 | $ 56,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 2 | $ 1,370,000 | $ 685,000 | $ 237,000 |
| Beaumont-Port Arthur, TX | 1 | $ 245,000 | $ 245,000 | $ 108,000 |
| Birmingham-Hoover, AL | 1 | $ 305,000 | $ 305,000 | $ 0 |
| Cape Coral-Fort Myers, FL | 1 | $ 345,000 | $ 345,000 | $ 157,000 |
| Chattanooga, TN-GA | 1 | $ 495,000 | $ 495,000 | $ 159,000 |
| Corpus Christi, TX | 1 | $ 295,000 | $ 295,000 | $ 134,000 |
| Denver-Aurora-Lakewood, CO | 1 | $ 535,000 | $ 535,000 | $ 125,000 |
| Greenville-Anderson-Mauldin, SC | 1 | $ 525,000 | $ 525,000 | $ 251,000 |
| Hagerstown-Martinsburg, MD-WV | 1 | $ 285,000 | $ 285,000 | $ 244,000 |
| Harrisonburg, VA | 1 | $ 265,000 | $ 265,000 | $ 84,000 |
| Lakeland-Winter Haven, FL | 1 | $ 155,000 | $ 155,000 | $ 4,000 |
| Longview, TX | 1 | $ 255,000 | $ 255,000 | $ 120,000 |
| Macon-Bibb County, GA | 1 | $ 315,000 | $ 315,000 | $ 96,000 |
| Memphis, TN-MS-AR | 1 | $ 485,000 | $ 485,000 | $ 315,000 |
| Merced, CA | 1 | $ 345,000 | $ 345,000 | $ 283,000 |
| Modesto, CA | 1 | $ 335,000 | $ 335,000 | $ 67,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 1 | $ 245,000 | $ 245,000 | $ 4,000 |
| Napa, CA | 1 | $ 1,475,000 | $ 1,475,000 | $ 600,000 |
| New York-Jersey City-White Plains, NY-NJ | 1 | $ 965,000 | $ 965,000 | $ 304,000 |
| North Port-Sarasota-Bradenton, FL | 1 | $ 505,000 | $ 505,000 | $ 136,000 |
| Prescott Valley-Prescott, AZ | 1 | $ 335,000 | $ 335,000 | $ 236,000 |
| Redding, CA | 1 | $ 215,000 | $ 215,000 | $ 70,000 |
| Salinas, CA | 1 | $ 585,000 | $ 585,000 | $ 169,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 1 | $ 445,000 | $ 445,000 | $ 144,000 |
| Santa Cruz-Watsonville, CA | 1 | $ 615,000 | $ 615,000 | $ 309,000 |
| St. Petersburg-Clearwater-Largo, FL | 1 | $ 295,000 | $ 295,000 | $ 291,000 |
| Waco, TX | 1 | $ 805,000 | $ 805,000 | $ 840,000 |
| Wilmington, NC | 1 | $ 295,000 | $ 295,000 | $ 108,000 |
Mortgage Loan Application Detail Totals for Emet Lending Group, Inc. in 2024
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 | 1,865 | $1,182,365,000 | $633,000 | $3,505,000 | $268,000 | $9,996,000 |
| Cash-out Refinancing | 413 | $268,855,000 | $650,000 | $3,005,000 | $430,000 | $5,259,000 |
| Refinancing | 177 | $120,765,000 | $682,000 | $3,005,000 | $496,000 | $9,996,000 |
| 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 | 1,736 | $1,081,510,000 | $622,000 | $3,005,000 | $297,000 | $9,996,000 |
| Not Provided | 298 | $193,270,000 | $648,000 | $3,475,000 | $339,000 | $5,259,000 |
| White | 281 | $220,595,000 | $785,000 | $3,505,000 | $419,000 | $4,650,000 |
| Hispanic | 117 | $61,735,000 | $527,000 | $3,005,000 | $185,000 | $1,860,000 |
| Black or African American | 20 | $13,390,000 | $669,000 | $1,875,000 | $234,000 | $906,000 |
| American Indian or Alaskan Native | 2 | $880,000 | $440,000 | $635,000 | $143,000 | $287,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $605,000 | $605,000 | $605,000 | $185,000 | $185,000 |
| 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) | 2,416 | $1,552,220,000 | $642,000 | $3,505,000 | $313,000 | $9,996,000 |
| FHA-insured (Federal Housing Administration) | 39 | $19,765,000 | $506,000 | $1,145,000 | $134,000 | $296,000 |
| 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 | 1,973 | $1,229,645,000 | $623,000 | $3,475,000 | $305,000 | $9,996,000 |
| Application Approved But Not Accepted | 338 | $242,770,000 | $718,000 | $3,505,000 | $351,000 | $9,996,000 |
| Application Withdrawn By Applicant | 132 | $94,220,000 | $713,000 | $3,005,000 | $286,000 | $2,738,000 |
| File Closed For Incompleteness | 12 | $5,350,000 | $445,000 | $1,035,000 | $272,000 | $1,308,000 |
| 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 | 2,455 | $1,571,985,000 | $640,000 | $3,505,000 | $310,000 | $9,996,000 |
| 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 2024 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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with aggregated HMDA statistics today.
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