Equity 1 Lenders Group Mortgage Lending & HMDA Data, 2003
In 2003, Equity 1 Lenders Group of Escondido, CA reported 4,758 mortgage applications totaling $1.1 billion. The average application was for $224,972, and applicants reported an average income of $82,366. 70% of its applications resulted in an originated loan and 5% were denied. Its largest markets were San Diego, CA (1,785), Riverside-San Bernardino, CA (501) and Los Angeles-Long Beach, CA (384) (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 | 4,758 |
| Total Mortgage Loan Application Amount | $1,070,418,000 |
| Average Mortgage Loan Application Amount | $224,972 |
| Highest Mortgage Loan Application Amount | $1,690,000 |
| Average Applicant Income | $82,366 |
| Highest Applicant Income | $779,000 |
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(HMDA) records Equity 1 Lenders Group filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,785 | $ 412,210,000 | $ 230,929 | $ 82,000 |
| Los Angeles, California | 384 | $ 90,999,000 | $ 236,976 | $ 91,000 |
| Riverside, California | 351 | $ 63,878,000 | $ 181,988 | $ 59,000 |
| Orange, California | 263 | $ 66,872,000 | $ 254,266 | $ 97,000 |
| Sacramento, California | 176 | $ 32,688,000 | $ 185,727 | $ 75,000 |
| Santa Clara, California | 173 | $ 49,274,000 | $ 284,820 | $ 91,000 |
| Contra Costa, California | 160 | $ 41,716,000 | $ 260,725 | $ 83,000 |
| San Bernardino, California | 150 | $ 23,065,000 | $ 153,766 | $ 69,000 |
| Alameda, California | 135 | $ 35,109,000 | $ 260,066 | $ 76,000 |
| Ventura, California | 101 | $ 23,993,000 | $ 237,554 | $ 75,000 |
| San Mateo, California | 85 | $ 29,215,000 | $ 343,705 | $ 89,000 |
| San Joaquin, California | 79 | $ 13,905,000 | $ 176,012 | $ 86,000 |
| Maricopa, Arizona | 75 | $ 10,863,000 | $ 144,840 | $ 76,000 |
| Sonoma, California | 59 | $ 14,693,000 | $ 249,033 | $ 74,000 |
| Solano, California | 58 | $ 12,024,000 | $ 207,310 | $ 76,000 |
| Stanislaus, California | 51 | $ 8,216,000 | $ 161,098 | $ 69,000 |
| Monterey, California | 43 | $ 11,595,000 | $ 269,651 | $ 162,000 |
| Pima, Arizona | 41 | $ 5,741,000 | $ 140,024 | $ 75,000 |
| San Francisco, California | 41 | $ 14,652,000 | $ 357,365 | $ 88,000 |
| Placer, California | 39 | $ 10,758,000 | $ 275,846 | $ 204,000 |
| Marin, California | 34 | $ 9,798,000 | $ 288,176 | $ 87,000 |
| Fresno, California | 33 | $ 4,706,000 | $ 142,606 | $ 48,000 |
| Kern, California | 32 | $ 3,701,000 | $ 115,656 | $ 42,000 |
| Santa Barbara, California | 31 | $ 9,646,000 | $ 311,161 | $ 94,000 |
| El Dorado, California | 25 | $ 5,421,000 | $ 216,840 | $ 81,000 |
| San Luis Obispo, California | 24 | $ 5,511,000 | $ 229,625 | $ 86,000 |
| Santa Cruz, California | 23 | $ 7,961,000 | $ 346,130 | $ 76,000 |
| Tulare, California | 21 | $ 2,452,000 | $ 116,761 | $ 93,000 |
| Humboldt, California | 20 | $ 2,637,000 | $ 131,850 | $ 63,000 |
| Nevada, California | 19 | $ 3,643,000 | $ 191,736 | $ 67,000 |
| Napa, California | 18 | $ 5,156,000 | $ 286,444 | $ 57,000 |
| Clark, Nevada | 18 | $ 2,595,000 | $ 144,166 | $ 73,000 |
| Yolo, California | 15 | $ 3,333,000 | $ 222,200 | $ 91,000 |
| Merced, California | 14 | $ 2,086,000 | $ 149,000 | $ 86,000 |
| Butte, California | 12 | $ 1,612,000 | $ 134,333 | $ 58,000 |
| Mendocino, California | 12 | $ 2,927,000 | $ 243,916 | $ 88,000 |
| Shasta, California | 12 | $ 1,983,000 | $ 165,250 | $ 63,000 |
| Denver, Colorado | 12 | $ 1,378,000 | $ 114,833 | $ 49,000 |
| Jefferson, Colorado | 11 | $ 2,112,000 | $ 192,000 | $ 114,000 |
| Madera, California | 10 | $ 1,151,000 | $ 115,100 | $ 69,000 |
| Arapahoe, Colorado | 9 | $ 896,000 | $ 99,555 | $ 62,000 |
| Amador, California | 8 | $ 1,512,000 | $ 189,000 | $ 60,000 |
| El Paso, Colorado | 8 | $ 1,093,000 | $ 136,625 | $ 70,000 |
| Lake, California | 6 | $ 843,000 | $ 140,500 | $ 61,000 |
| Cochise, Arizona | 5 | $ 509,000 | $ 101,800 | $ 78,000 |
| Tuolumne, California | 5 | $ 868,000 | $ 173,600 | $ 107,000 |
| Adams, Colorado | 5 | $ 944,000 | $ 188,800 | $ 71,000 |
| Mariposa, California | 4 | $ 467,000 | $ 116,750 | $ 38,000 |
| San Benito, California | 4 | $ 911,000 | $ 227,750 | $ 95,000 |
| Weld, Colorado | 4 | $ 514,000 | $ 128,500 | $ 76,000 |
| Pinal, Arizona | 3 | $ 241,000 | $ 80,333 | $ 66,000 |
| Imperial, California | 3 | $ 450,000 | $ 150,000 | $ 88,000 |
| Sutter, California | 3 | $ 568,000 | $ 189,333 | $ 88,000 |
| Yavapai, Arizona | 2 | $ 133,000 | $ 66,500 | $ 31,000 |
| Colusa, California | 2 | $ 250,000 | $ 125,000 | $ 78,000 |
| Kings, California | 2 | $ 251,000 | $ 125,500 | $ 84,000 |
| Mono, California | 2 | $ 623,000 | $ 311,500 | $ 118,000 |
| Yuba, California | 2 | $ 394,000 | $ 197,000 | $ 40,000 |
| Boulder, Colorado | 2 | $ 344,000 | $ 172,000 | $ 103,000 |
| Douglas, Colorado | 2 | $ 702,000 | $ 351,000 | $ 109,000 |
| Larimer, Colorado | 2 | $ 445,000 | $ 222,500 | $ 127,000 |
| Washoe, Nevada | 2 | $ 241,000 | $ 120,500 | $ 70,000 |
| Yuma, Arizona | 1 | $ 80,000 | $ 80,000 | $ 125,000 |
| Del Norte, California | 1 | $ 80,000 | $ 80,000 | $ 21,000 |
| Lassen, California | 1 | $ 241,000 | $ 241,000 | $ 59,000 |
| Plumas, California | 1 | $ 291,000 | $ 291,000 | $ 0 |
| Tehama, California | 1 | $ 60,000 | $ 60,000 | $ 80,000 |
| Chaffee, Colorado | 1 | $ 118,000 | $ 118,000 | $ 53,000 |
| Eagle, Colorado | 1 | $ 370,000 | $ 370,000 | $ 94,000 |
| Gilpin, Colorado | 1 | $ 211,000 | $ 211,000 | $ 61,000 |
| Park, Colorado | 1 | $ 320,000 | $ 320,000 | $ 0 |
| Summit, Colorado | 1 | $ 151,000 | $ 151,000 | $ 38,000 |
| Monroe, Florida | 1 | $ 287,000 | $ 287,000 | $ 0 |
| Hillsdale, Michigan | 1 | $ 112,000 | $ 112,000 | $ 54,000 |
Mortgage Loan Application Detail Totals for Equity 1 Lenders Group in 2003
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 (home purchase or home improvement, one-to-four family) | 2,525 | $564,701,000 | $166,500 | $1,365,000 | $58,333 | $779,000 |
| Home Purchase (one-to-four family) | 2,233 | $505,717,000 | $186,833 | $1,690,000 | $57,666 | $712,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 0 | $0 | $0 | $0 | $0 | $0 |
| Home Improvement (one-to-four family) | 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 | 2,819 | $640,945,000 | $167,666 | $1,690,000 | $63,000 | $712,000 |
| Hispanic | 831 | $170,446,000 | $179,000 | $780,000 | $49,000 | $576,000 |
| Information not provided by applicant in mail or telephone application | 420 | $92,145,000 | $196,800 | $1,365,000 | $78,800 | $436,000 |
| Black | 379 | $86,628,000 | $183,800 | $1,238,000 | $56,200 | $712,000 |
| Other | 205 | $53,400,000 | $243,000 | $1,522,000 | $45,500 | $779,000 |
| Asian or Pacific Islander | 98 | $25,294,000 | $258,000 | $520,000 | $87,000 | $312,000 |
| American Indian or Alaskan Native | 6 | $1,560,000 | $260,000 | $412,000 | $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) | 4,758 | $1,070,418,000 | $184,714 | $1,690,000 | $54,142 | $779,000 |
| 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 | 3,323 | $739,419,000 | $163,000 | $1,320,000 | $79,250 | $779,000 |
| File Closed For Incompleteness | 576 | $134,352,000 | $189,600 | $1,365,000 | $66,800 | $712,000 |
| Application Approved But Not Accepted | 492 | $115,689,000 | $176,333 | $1,690,000 | $60,166 | $696,000 |
| Application Denied By Financial Institution | 254 | $55,774,000 | $168,500 | $665,000 | $58,000 | $360,000 |
| Application Withdrawn By Applicant | 113 | $25,184,000 | $185,000 | $600,000 | $73,000 | $389,000 |
| 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 |
|---|---|---|---|---|---|---|
| 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 |
| Other | 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 2003 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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