Equipoint Financial Network Mortgage Lending & HMDA Data, 2007
In 2007, Equipoint Financial Network of San Diego, CA reported 2,258 mortgage applications totaling $480.0 million. The average application was for $212,593, and applicants reported an average income of $93,670. 60% of its applications resulted in an originated loan and 23% were denied. Its largest markets were Davenport-Moline-Rock Island, IA-IL (274), Sacramento--Arden-Arcade--Roseville, CA (244) and Phoenix-Mesa-Scottsdale, AZ (178) (applications in parentheses).
| Mortgage Company & Address | Equipoint Financial Network 3636 Nobel Suite 400 San Diego, CA 92122 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2011 2008 2007 |
| Total Number of Mortgage Applications | 2,258 |
| Total Mortgage Loan Application Amount | $480,035,000 |
| Average Mortgage Loan Application Amount | $212,593 |
| Highest Mortgage Loan Application Amount | $3,000,000 |
| Average Applicant Income | $93,670 |
| Highest Applicant Income | $1,500,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Equipoint Financial Network filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Davenport-Moline-Rock Island, IA-IL | 274 | $ 28,938,000 | $ 105,613 | $ 48,737 |
| Sacramento--Arden-Arcade--Roseville, CA | 244 | $ 68,334,000 | $ 280,057 | $ 107,000 |
| Phoenix-Mesa-Scottsdale, AZ | 178 | $ 39,213,000 | $ 220,297 | $ 94,000 |
| Kansas City, MO-KS | 153 | $ 17,956,000 | $ 117,359 | $ 53,862 |
| Los Angeles-Long Beach-Glendale, CA | 149 | $ 56,920,000 | $ 382,013 | $ 129,000 |
| Riverside-San Bernardino-Ontario, CA | 89 | $ 25,811,000 | $ 290,011 | $ 99,000 |
| Tacoma, WA | 83 | $ 17,433,000 | $ 210,036 | $ 79,000 |
| Seattle-Bellevue-Everett, WA | 78 | $ 20,748,000 | $ 266,000 | $ 130,000 |
| San Diego-Carlsbad-San Marcos, CA | 58 | $ 15,784,000 | $ 272,137 | $ 134,000 |
| Portland-Vancouver-Beaverton, OR-WA | 50 | $ 10,815,000 | $ 216,300 | $ 79,040 |
| Wichita, KS | 35 | $ 3,358,000 | $ 95,942 | $ 47,000 |
| Las Vegas-Paradise, NV | 32 | $ 7,560,000 | $ 236,250 | $ 110,000 |
| Santa Ana-Anaheim-Irvine, CA | 30 | $ 14,272,000 | $ 475,733 | $ 268,000 |
| Dallas-Plano-Irving, TX | 28 | $ 4,587,000 | $ 163,821 | $ 133,000 |
| Oakland-Fremont-Hayward, CA | 25 | $ 10,024,000 | $ 400,960 | $ 146,000 |
| Fort Worth-Arlington, TX | 22 | $ 2,630,000 | $ 119,545 | $ 217,000 |
| Jackson, MS | 22 | $ 1,377,000 | $ 62,590 | $ 111,000 |
| Stockton, CA | 21 | $ 5,512,000 | $ 262,476 | $ 94,000 |
| Chico, CA | 19 | $ 3,780,000 | $ 198,947 | $ 70,000 |
| Salt Lake City, UT | 17 | $ 3,445,000 | $ 202,647 | $ 87,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 15 | $ 3,208,000 | $ 213,866 | $ 87,000 |
| Des Moines-West Des Moines, IA | 14 | $ 1,788,000 | $ 127,714 | $ 51,000 |
| Cedar Rapids, IA | 13 | $ 1,505,000 | $ 115,769 | $ 53,000 |
| Chicago-Naperville-Joliet, IL | 12 | $ 2,821,000 | $ 235,083 | $ 98,000 |
| Olympia, WA | 12 | $ 2,443,000 | $ 203,583 | $ 88,000 |
| Fresno, CA | 11 | $ 3,165,000 | $ 287,727 | $ 83,000 |
| Modesto, CA | 9 | $ 2,512,000 | $ 279,111 | $ 159,000 |
| San Francisco-San Mateo-Redwood City, CA | 9 | $ 4,334,000 | $ 481,555 | $ 110,000 |
| St. Louis, MO-IL | 9 | $ 1,607,000 | $ 178,555 | $ 40,444 |
| Denver-Aurora, CO | 8 | $ 1,073,000 | $ 134,125 | $ 69,000 |
| Detroit-Livonia-Dearborn, MI | 8 | $ 471,000 | $ 58,875 | $ 166,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 8 | $ 2,839,000 | $ 354,875 | $ 142,000 |
| Iowa City, IA | 7 | $ 1,134,000 | $ 162,000 | $ 56,000 |
| Joplin, MO | 7 | $ 530,000 | $ 75,714 | $ 54,000 |
| San Antonio, TX | 7 | $ 1,136,000 | $ 162,285 | $ 153,000 |
| Tampa-St. Petersburg-Clearwater, FL | 7 | $ 1,238,000 | $ 176,857 | $ 56,000 |
| Yuba City, CA | 7 | $ 1,461,000 | $ 208,714 | $ 75,000 |
| Bakersfield, CA | 6 | $ 2,007,000 | $ 334,500 | $ 144,000 |
| Lubbock, TX | 6 | $ 349,000 | $ 58,166 | $ 68,000 |
| Merced, CA | 6 | $ 1,597,000 | $ 266,166 | $ 91,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 6 | $ 3,170,000 | $ 528,333 | $ 224,000 |
| Springfield, MO | 6 | $ 508,000 | $ 84,666 | $ 45,000 |
| Yakima, WA | 6 | $ 1,044,000 | $ 174,000 | $ 242,000 |
| Austin-Round Rock, TX | 5 | $ 876,000 | $ 175,200 | $ 119,000 |
| Bremerton-Silverdale, WA | 5 | $ 1,514,000 | $ 302,800 | $ 86,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 5 | $ 381,000 | $ 76,200 | $ 41,000 |
| Salinas, CA | 5 | $ 1,743,000 | $ 348,600 | $ 93,000 |
| Tucson, AZ | 5 | $ 960,000 | $ 192,000 | $ 30,000 |
| Vallejo-Fairfield, CA | 5 | $ 1,513,000 | $ 302,600 | $ 110,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 5 | $ 1,324,000 | $ 264,800 | $ 102,000 |
| Anchorage, AK | 4 | $ 531,000 | $ 132,750 | $ 60,000 |
| Atlanta-Sandy Springs-Marietta, GA | 4 | $ 555,000 | $ 138,750 | $ 69,000 |
| Bellingham, WA | 4 | $ 1,265,000 | $ 316,250 | $ 79,000 |
| Hattiesburg, MS | 4 | $ 722,000 | $ 180,500 | $ 114,000 |
| Honolulu, HI | 4 | $ 1,255,000 | $ 313,750 | $ 365,000 |
| Houston-Sugar Land-Baytown, TX | 4 | $ 655,000 | $ 163,750 | $ 58,000 |
| Lansing-East Lansing, MI | 4 | $ 424,000 | $ 106,000 | $ 69,000 |
| Orlando-Kissimmee, FL | 4 | $ 781,000 | $ 195,250 | $ 132,000 |
| Prescott, AZ | 4 | $ 978,000 | $ 244,500 | $ 151,000 |
| Visalia-Porterville, CA | 4 | $ 655,000 | $ 163,750 | $ 99,000 |
| Albuquerque, NM | 3 | $ 355,000 | $ 118,333 | $ 30,000 |
| Bend, OR | 3 | $ 623,000 | $ 207,666 | $ 139,000 |
| Colorado Springs, CO | 3 | $ 710,000 | $ 236,666 | $ 168,000 |
| Jacksonville, FL | 3 | $ 793,000 | $ 264,333 | $ 162,000 |
| Lake Havasu City-Kingman, AZ | 3 | $ 852,000 | $ 284,000 | $ 157,000 |
| Ogden-Clearfield, UT | 3 | $ 631,000 | $ 210,333 | $ 60,000 |
| Oklahoma City, OK | 3 | $ 470,000 | $ 156,666 | $ 152,000 |
| Omaha-Council Bluffs, NE-IA | 3 | $ 331,000 | $ 110,333 | $ 48,333 |
| Peoria, IL | 3 | $ 450,000 | $ 150,000 | $ 57,000 |
| Provo-Orem, UT | 3 | $ 680,000 | $ 226,666 | $ 141,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 3 | $ 1,595,000 | $ 531,666 | $ 317,000 |
| St. George, UT | 3 | $ 547,000 | $ 182,333 | $ 110,000 |
| Topeka, KS | 3 | $ 383,000 | $ 127,666 | $ 47,000 |
| Waterloo-Cedar Falls, IA | 3 | $ 873,000 | $ 291,000 | $ 105,000 |
| Boston-Quincy, MA | 2 | $ 637,000 | $ 318,500 | $ 209,000 |
| Columbia, MO | 2 | $ 126,000 | $ 63,000 | $ 34,000 |
| Flagstaff, AZ | 2 | $ 376,000 | $ 188,000 | $ 135,000 |
| Hartford-West Hartford-East Hartford, CT | 2 | $ 540,000 | $ 270,000 | $ 32,000 |
| Indianapolis-Carmel, IN | 2 | $ 269,000 | $ 134,500 | $ 33,000 |
| Lewiston, ID-WA | 2 | $ 110,000 | $ 55,000 | $ 46,000 |
| Madera, CA | 2 | $ 533,000 | $ 266,500 | $ 38,000 |
| Memphis, TN-MS-AR | 2 | $ 259,000 | $ 129,500 | $ 145,500 |
| Miami-Miami Beach-Kendall, FL | 2 | $ 408,000 | $ 204,000 | $ 121,000 |
| Missoula, MT | 2 | $ 716,000 | $ 358,000 | $ 97,000 |
| Pueblo, CO | 2 | $ 360,000 | $ 180,000 | $ 130,000 |
| Reno-Sparks, NV | 2 | $ 325,000 | $ 162,500 | $ 11,000 |
| Salem, OR | 2 | $ 541,000 | $ 270,500 | $ 75,000 |
| San Luis Obispo-Paso Robles, CA | 2 | $ 810,000 | $ 405,000 | $ 122,000 |
| Spokane, WA | 2 | $ 310,000 | $ 155,000 | $ 30,000 |
| St. Joseph, MO-KS | 2 | $ 125,000 | $ 62,500 | $ 22,500 |
| Warren-Troy-Farmington Hills, MI | 2 | $ 2,240,000 | $ 1,120,000 | $ 583,000 |
| Wenatchee, WA | 2 | $ 385,000 | $ 192,500 | $ 201,000 |
| Wichita Falls, TX | 2 | $ 142,000 | $ 71,000 | $ 44,000 |
| Ames, IA | 1 | $ 128,000 | $ 128,000 | $ 60,000 |
| Anniston-Oxford, AL | 1 | $ 156,000 | $ 156,000 | $ 167,000 |
| Beaumont-Port Arthur, TX | 1 | $ 74,000 | $ 74,000 | $ 39,000 |
| Birmingham-Hoover, AL | 1 | $ 207,000 | $ 207,000 | $ 83,000 |
| Boise City-Nampa, ID | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Boulder, CO | 1 | $ 355,000 | $ 355,000 | $ 93,000 |
| Casper, WY | 1 | $ 259,000 | $ 259,000 | $ 102,000 |
| Coeur D'Alene, ID | 1 | $ 130,000 | $ 130,000 | $ 100,000 |
| Dubuque, IA | 1 | $ 109,000 | $ 109,000 | $ 55,000 |
| El Centro, CA | 1 | $ 216,000 | $ 216,000 | $ 238,000 |
| Florence, SC | 1 | $ 100,000 | $ 100,000 | $ 46,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 316,000 | $ 316,000 | $ 101,000 |
| Gary, IN | 1 | $ 90,000 | $ 90,000 | $ 52,000 |
| Grand Rapids-Wyoming, MI | 1 | $ 155,000 | $ 155,000 | $ 48,000 |
| Gulfport-Biloxi, MS | 1 | $ 100,000 | $ 100,000 | $ 200,000 |
| Huntsville, AL | 1 | $ 216,000 | $ 216,000 | $ 78,000 |
| Idaho Falls, ID | 1 | $ 323,000 | $ 323,000 | $ 81,000 |
| Jefferson City, MO | 1 | $ 65,000 | $ 65,000 | $ 34,000 |
| Kennewick-Richland-Pasco, WA | 1 | $ 144,000 | $ 144,000 | $ 70,000 |
| Lawton, OK | 1 | $ 66,000 | $ 66,000 | $ 103,000 |
| Longview, WA | 1 | $ 311,000 | $ 311,000 | $ 116,000 |
| Lynchburg, VA | 1 | $ 200,000 | $ 200,000 | $ 39,000 |
| Medford, OR | 1 | $ 527,000 | $ 527,000 | $ 102,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 1 | $ 225,000 | $ 225,000 | $ 122,000 |
| New Haven-Milford, CT | 1 | $ 347,000 | $ 347,000 | $ 158,000 |
| Ocala, FL | 1 | $ 74,000 | $ 74,000 | $ 26,000 |
| Pocatello, ID | 1 | $ 107,000 | $ 107,000 | $ 27,000 |
| Redding, CA | 1 | $ 48,000 | $ 48,000 | $ 54,000 |
| Sarasota-Bradenton-Venice, FL | 1 | $ 134,000 | $ 134,000 | $ 42,000 |
| Savannah, GA | 1 | $ 114,000 | $ 114,000 | $ 31,000 |
| St. Cloud, MN | 1 | $ 134,000 | $ 134,000 | $ 76,000 |
| Tyler, TX | 1 | $ 45,000 | $ 45,000 | $ 80,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 180,000 | $ 180,000 | $ 125,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 1 | $ 1,300,000 | $ 1,300,000 | $ 0 |
| Worcester, MA | 1 | $ 276,000 | $ 276,000 | $ 142,000 |
| Yuma, AZ | 1 | $ 146,000 | $ 146,000 | $ 0 |
Mortgage Loan Application Detail Totals for Equipoint Financial Network in 2007
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 |
|---|---|---|---|---|---|---|
| Refinancing | 1,285 | $300,611,000 | $233,000 | $3,000,000 | $95,000 | $1,500,000 |
| Home Purchase | 971 | $179,079,000 | $184,000 | $1,960,000 | $92,000 | $1,080,000 |
| Home Improvement | 2 | $345,000 | $172,000 | $215,000 | $50,000 | $69,000 |
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 | 1,208 | $233,710,000 | $193,000 | $2,145,000 | $96,000 | $1,500,000 |
| Not Provided | 495 | $124,496,000 | $251,000 | $3,000,000 | $84,000 | $1,500,000 |
| Hispanic | 280 | $61,945,000 | $221,000 | $746,000 | $88,000 | $360,000 |
| Black or African American | 145 | $26,853,000 | $185,000 | $692,000 | $82,000 | $287,000 |
| Asian | 101 | $26,220,000 | $259,000 | $841,000 | $143,000 | $600,000 |
| Native Hawaiian or Other Pacific Islander | 19 | $4,664,000 | $245,000 | $587,000 | $93,000 | $209,000 |
| American Indian or Alaskan Native | 10 | $2,147,000 | $214,000 | $357,000 | $104,000 | $240,000 |
| 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) | 1,640 | $394,728,000 | $240,000 | $3,000,000 | $109,000 | $1,500,000 |
| FHA-insured (Federal Housing Administration) | 617 | $84,991,000 | $137,000 | $368,000 | $52,000 | $215,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $316,000 | $316,000 | $316,000 | $103,000 | $103,000 |
| 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 | 1,352 | $267,690,000 | $197,000 | $1,384,000 | $87,000 | $684,000 |
| Application Denied By Financial Institution | 521 | $126,941,000 | $243,000 | $2,145,000 | $128,000 | $1,500,000 |
| Application Withdrawn By Applicant | 200 | $44,376,000 | $221,000 | $3,000,000 | $43,000 | $360,000 |
| Application Approved But Not Accepted | 114 | $23,841,000 | $209,000 | $668,000 | $84,000 | $330,000 |
| File Closed For Incompleteness | 61 | $15,168,000 | $248,000 | $870,000 | $118,000 | $1,080,000 |
| Preapproval Denied by Financial Institution | 6 | $1,237,000 | $206,000 | $330,000 | $73,000 | $105,000 |
| Preapproval Approved but not Accepted | 4 | $782,000 | $195,000 | $246,000 | $64,000 | $91,000 |
| 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 |
|---|---|---|---|---|---|---|
| Other | 233 | $55,713,000 | $239,000 | $1,960,000 | $157,000 | $1,500,000 |
| Credit History | 104 | $19,715,000 | $189,000 | $712,000 | $73,000 | $317,000 |
| Debt-To-Income Ratio | 76 | $20,213,000 | $265,000 | $1,800,000 | $84,000 | $594,000 |
| Collateral | 47 | $15,954,000 | $339,000 | $2,145,000 | $173,000 | $1,200,000 |
| Unverifiable Information | 32 | $7,629,000 | $238,000 | $568,000 | $123,000 | $387,000 |
| Employment History | 25 | $4,686,000 | $187,000 | $522,000 | $109,000 | $264,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 7 | $3,609,000 | $515,000 | $1,949,000 | $239,000 | $903,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Equipoint Financial Network's 2007 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 Equipoint Financial Network'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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