Equity 1 Lenders Group Mortgage Lending & HMDA Data, 2007
In 2007, Equity 1 Lenders Group of Escondido, CA reported 1,427 mortgage applications totaling $352.9 million, down 55% from 2006. The average application was for $247,327, and applicants reported an average income of $102,861. 53% of its applications resulted in an originated loan and 19% were denied. Its largest markets were San Diego-Carlsbad-San Marcos, CA (182), Riverside-San Bernardino-Ontario, CA (141) and Phoenix-Mesa-Scottsdale, AZ (134) (applications in parentheses).
| Mortgage Company & Address | Equity 1 Lenders Group 765 N. Escondido Blvd Escondido, CA 92025 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,427 |
| Total Mortgage Loan Application Amount | $352,937,000 |
| Average Mortgage Loan Application Amount | $247,327 |
| Highest Mortgage Loan Application Amount | $1,470,000 |
| Average Applicant Income | $102,861 |
| Highest Applicant Income | $900,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Equity 1 Lenders Group filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| San Diego, California | 182 | $ 51,923,000 | $ 285,291 | $ 113,000 |
| Los Angeles, California | 127 | $ 36,859,000 | $ 290,228 | $ 113,000 |
| Maricopa, Arizona | 119 | $ 25,371,000 | $ 213,201 | $ 90,000 |
| Riverside, California | 80 | $ 19,124,000 | $ 239,050 | $ 101,000 |
| San Bernardino, California | 61 | $ 13,591,000 | $ 222,803 | $ 87,000 |
| Clark, Nevada | 51 | $ 11,351,000 | $ 222,568 | $ 106,000 |
| King, Washington | 50 | $ 13,349,000 | $ 266,980 | $ 96,000 |
| Orange, California | 46 | $ 17,019,000 | $ 369,978 | $ 152,000 |
| Sacramento, California | 42 | $ 9,548,000 | $ 227,333 | $ 98,000 |
| Pima, Arizona | 41 | $ 8,225,000 | $ 200,609 | $ 90,000 |
| Snohomish, Washington | 30 | $ 7,226,000 | $ 240,866 | $ 78,000 |
| Alameda, California | 29 | $ 8,957,000 | $ 308,862 | $ 121,000 |
| Contra Costa, California | 26 | $ 8,211,000 | $ 315,807 | $ 110,000 |
| Pierce, Washington | 25 | $ 4,745,000 | $ 189,800 | $ 78,000 |
| San Joaquin, California | 21 | $ 4,998,000 | $ 238,000 | $ 114,000 |
| Ventura, California | 21 | $ 4,067,000 | $ 193,666 | $ 73,000 |
| Jefferson, Colorado | 19 | $ 2,985,000 | $ 157,105 | $ 132,000 |
| Fresno, California | 17 | $ 3,593,000 | $ 211,352 | $ 105,000 |
| Santa Clara, California | 17 | $ 6,931,000 | $ 407,705 | $ 115,000 |
| Placer, California | 16 | $ 2,996,000 | $ 187,250 | $ 87,000 |
| Solano, California | 16 | $ 5,019,000 | $ 313,687 | $ 101,000 |
| Washoe, Nevada | 16 | $ 2,710,000 | $ 169,375 | $ 101,000 |
| Pinal, Arizona | 15 | $ 3,242,000 | $ 216,133 | $ 77,000 |
| Kitsap, Washington | 14 | $ 2,502,000 | $ 178,714 | $ 79,000 |
| Kern, California | 13 | $ 2,845,000 | $ 218,846 | $ 98,000 |
| San Mateo, California | 13 | $ 4,689,000 | $ 360,692 | $ 94,000 |
| Stanislaus, California | 13 | $ 2,983,000 | $ 229,461 | $ 80,000 |
| Clark, Washington | 13 | $ 1,997,000 | $ 153,615 | $ 67,000 |
| Santa Barbara, California | 12 | $ 5,869,000 | $ 489,083 | $ 312,000 |
| El Dorado, California | 11 | $ 3,642,000 | $ 331,090 | $ 137,000 |
| Yavapai, Arizona | 10 | $ 1,923,000 | $ 192,300 | $ 71,000 |
| Mohave, Arizona | 9 | $ 1,720,000 | $ 191,111 | $ 79,000 |
| Sonoma, California | 9 | $ 2,632,000 | $ 292,444 | $ 124,000 |
| Coconino, Arizona | 8 | $ 1,572,000 | $ 196,500 | $ 108,000 |
| San Luis Obispo, California | 8 | $ 2,502,000 | $ 312,750 | $ 106,000 |
| Boulder, Colorado | 8 | $ 1,080,000 | $ 135,000 | $ 106,000 |
| Douglas, Colorado | 8 | $ 1,657,000 | $ 207,125 | $ 129,000 |
| Whatcom, Washington | 8 | $ 1,829,000 | $ 228,625 | $ 68,000 |
| Santa Cruz, California | 7 | $ 2,742,000 | $ 391,714 | $ 176,000 |
| Arapahoe, Colorado | 7 | $ 1,708,000 | $ 244,000 | $ 92,000 |
| Larimer, Colorado | 7 | $ 1,041,000 | $ 148,714 | $ 64,000 |
| Spokane, Washington | 7 | $ 1,066,000 | $ 152,285 | $ 61,000 |
| Butte, California | 6 | $ 848,000 | $ 141,333 | $ 98,000 |
| Monterey, California | 6 | $ 2,097,000 | $ 349,500 | $ 98,000 |
| Tulare, California | 6 | $ 908,000 | $ 151,333 | $ 103,000 |
| Humboldt, California | 5 | $ 1,012,000 | $ 202,400 | $ 56,000 |
| Yolo, California | 5 | $ 1,097,000 | $ 219,400 | $ 91,000 |
| Adams, Colorado | 5 | $ 654,000 | $ 130,800 | $ 88,000 |
| Lane, Oregon | 5 | $ 572,000 | $ 114,400 | $ 72,000 |
| Santa Cruz, Arizona | 4 | $ 563,000 | $ 140,750 | $ 64,000 |
| Yuma, Arizona | 4 | $ 611,000 | $ 152,750 | $ 110,000 |
| Lake, California | 4 | $ 492,000 | $ 123,000 | $ 66,000 |
| San Francisco, California | 4 | $ 990,000 | $ 247,500 | $ 222,000 |
| Shasta, California | 4 | $ 731,000 | $ 182,750 | $ 76,000 |
| Siskiyou, California | 4 | $ 626,000 | $ 156,500 | $ 56,000 |
| Tehama, California | 4 | $ 1,193,000 | $ 298,250 | $ 116,000 |
| Tuolumne, California | 4 | $ 934,000 | $ 233,500 | $ 78,000 |
| Denver, Colorado | 4 | $ 730,000 | $ 182,500 | $ 80,000 |
| El Paso, Colorado | 4 | $ 832,000 | $ 208,000 | $ 67,000 |
| Multnomah, Oregon | 4 | $ 885,000 | $ 221,250 | $ 55,000 |
| Thurston, Washington | 4 | $ 761,000 | $ 190,250 | $ 76,000 |
| Napa, California | 3 | $ 1,031,000 | $ 343,666 | $ 132,000 |
| Sutter, California | 3 | $ 701,000 | $ 233,666 | $ 95,000 |
| Garfield, Colorado | 3 | $ 308,000 | $ 102,666 | $ 40,000 |
| La Plata, Colorado | 3 | $ 689,000 | $ 229,666 | $ 63,000 |
| Mesa, Colorado | 3 | $ 668,000 | $ 222,666 | $ 81,000 |
| Weld, Colorado | 3 | $ 541,000 | $ 180,333 | $ 57,000 |
| Ada, Idaho | 3 | $ 314,000 | $ 104,666 | $ 100,000 |
| Marion, Oregon | 3 | $ 209,000 | $ 69,666 | $ 63,000 |
| Lewis, Washington | 3 | $ 235,000 | $ 78,333 | $ 76,000 |
| Imperial, California | 2 | $ 178,000 | $ 89,000 | $ 44,000 |
| Kings, California | 2 | $ 263,000 | $ 131,500 | $ 141,000 |
| Marin, California | 2 | $ 1,002,000 | $ 501,000 | $ 150,000 |
| Modoc, California | 2 | $ 147,000 | $ 73,500 | $ 42,000 |
| Nevada, California | 2 | $ 705,000 | $ 352,500 | $ 118,000 |
| Eagle, Colorado | 2 | $ 843,000 | $ 421,500 | $ 125,000 |
| Park, Colorado | 2 | $ 231,000 | $ 115,500 | $ 45,000 |
| Teller, Colorado | 2 | $ 463,000 | $ 231,500 | $ 71,000 |
| Kootenai, Idaho | 2 | $ 446,000 | $ 223,000 | $ 51,000 |
| Douglas, Nevada | 2 | $ 275,000 | $ 137,500 | $ 82,000 |
| Lyon, Nevada | 2 | $ 362,000 | $ 181,000 | $ 36,000 |
| Nye, Nevada | 2 | $ 226,000 | $ 113,000 | $ 56,000 |
| Clackamas, Oregon | 2 | $ 320,000 | $ 160,000 | $ 90,000 |
| Jackson, Oregon | 2 | $ 1,023,000 | $ 511,500 | $ 27,000 |
| Asotin, Washington | 2 | $ 219,000 | $ 109,500 | $ 83,000 |
| Grays Harbor, Washington | 2 | $ 455,000 | $ 227,500 | $ 78,000 |
| Skagit, Washington | 2 | $ 471,000 | $ 235,500 | $ 129,000 |
| Graham, Arizona | 1 | $ 125,000 | $ 125,000 | $ 32,000 |
| Navajo, Arizona | 1 | $ 304,000 | $ 304,000 | $ 63,000 |
| Calaveras, California | 1 | $ 200,000 | $ 200,000 | $ 32,000 |
| Colusa, California | 1 | $ 260,000 | $ 260,000 | $ 159,000 |
| Del Norte, California | 1 | $ 255,000 | $ 255,000 | $ 60,000 |
| Glenn, California | 1 | $ 30,000 | $ 30,000 | $ 65,000 |
| Lassen, California | 1 | $ 264,000 | $ 264,000 | $ 87,000 |
| Madera, California | 1 | $ 213,000 | $ 213,000 | $ 98,000 |
| Mariposa, California | 1 | $ 30,000 | $ 30,000 | $ 72,000 |
| Mendocino, California | 1 | $ 170,000 | $ 170,000 | $ 60,000 |
| Yuba, California | 1 | $ 290,000 | $ 290,000 | $ 60,000 |
| Clear Creek, Colorado | 1 | $ 271,000 | $ 271,000 | $ 241,000 |
| Fremont, Colorado | 1 | $ 140,000 | $ 140,000 | $ 12,000 |
| Grand, Colorado | 1 | $ 750,000 | $ 750,000 | $ 186,000 |
| Pitkin, Colorado | 1 | $ 390,000 | $ 390,000 | $ 900,000 |
| Summit, Colorado | 1 | $ 155,000 | $ 155,000 | $ 115,000 |
| Allegan, Michigan | 1 | $ 160,000 | $ 160,000 | $ 57,000 |
| Washtenaw, Michigan | 1 | $ 110,000 | $ 110,000 | $ 88,000 |
| Wayne, Michigan | 1 | $ 257,000 | $ 257,000 | $ 160,000 |
| Carson City, Nevada | 1 | $ 33,000 | $ 33,000 | $ 78,000 |
| Josephine, Oregon | 1 | $ 180,000 | $ 180,000 | $ 50,000 |
| Cowlitz, Washington | 1 | $ 110,000 | $ 110,000 | $ 43,000 |
| Douglas, Washington | 1 | $ 173,000 | $ 173,000 | $ 90,000 |
| Jefferson, Washington | 1 | $ 532,000 | $ 532,000 | $ 98,000 |
| Kittitas, Washington | 1 | $ 174,000 | $ 174,000 | $ 55,000 |
| Klickitat, Washington | 1 | $ 140,000 | $ 140,000 | $ 21,000 |
| Mason, Washington | 1 | $ 35,000 | $ 35,000 | $ 65,000 |
| Walla Walla, Washington | 1 | $ 286,000 | $ 286,000 | $ 109,000 |
Mortgage Loan Application Detail Totals for Equity 1 Lenders Group 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 | 1,344 | $332,694,000 | $247,000 | $1,470,000 | $101,000 | $900,000 |
| Home Purchase | 83 | $20,243,000 | $243,000 | $1,252,000 | $133,000 | $512,000 |
| Home Improvement | 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 | 1,081 | $260,875,000 | $241,000 | $1,470,000 | $100,000 | $865,000 |
| Hispanic | 207 | $56,035,000 | $270,000 | $1,252,000 | $113,000 | $512,000 |
| Not Provided | 76 | $18,964,000 | $249,000 | $760,000 | $100,000 | $900,000 |
| Asian | 35 | $9,342,000 | $266,000 | $713,000 | $115,000 | $312,000 |
| Black or African American | 18 | $4,634,000 | $257,000 | $484,000 | $112,000 | $225,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $1,925,000 | $385,000 | $528,000 | $135,000 | $387,000 |
| American Indian or Alaskan Native | 5 | $1,162,000 | $232,000 | $386,000 | $104,000 | $155,000 |
| 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) | 1,427 | $352,937,000 | $247,000 | $1,470,000 | $103,000 | $900,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 760 | $188,796,000 | $248,000 | $1,267,000 | $98,000 | $865,000 |
| Application Denied By Financial Institution | 265 | $62,859,000 | $237,000 | $1,470,000 | $103,000 | $512,000 |
| Application Approved But Not Accepted | 188 | $43,738,000 | $232,000 | $816,000 | $104,000 | $552,000 |
| Application Withdrawn By Applicant | 145 | $39,795,000 | $274,000 | $900,000 | $119,000 | $900,000 |
| File Closed For Incompleteness | 69 | $17,749,000 | $257,000 | $750,000 | $107,000 | $325,000 |
| 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 |
|---|---|---|---|---|---|---|
| Other | 105 | $23,675,000 | $225,000 | $750,000 | $84,000 | $230,000 |
| Collateral | 87 | $20,547,000 | $236,000 | $1,470,000 | $98,000 | $420,000 |
| Employment History | 14 | $2,735,000 | $195,000 | $417,000 | $111,000 | $472,000 |
| Debt-To-Income Ratio | 2 | $477,000 | $238,000 | $417,000 | $62,000 | $65,000 |
| Credit History | 1 | $227,000 | $227,000 | $227,000 | $43,000 | $43,000 |
| Credit Application Incomplete | 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 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Equity 1 Lenders Group'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 Equity 1 Lenders Group'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.
For a list of all lenders in California, download the full spreadsheet
with aggregated HMDA statistics today.
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