Equity 1 Lenders Group Mortgage Lending & HMDA Data, 2004
In 2004, Equity 1 Lenders Group of Escondido, CA reported 4,848 mortgage applications totaling $1.2 billion, up 2% from 2003. The average application was for $249,785, and applicants reported an average income of $84,239. 54% of its applications resulted in an originated loan and 23% were denied. Its largest markets were San Diego-Carlsbad-San Marcos, CA (1,806), Riverside-San Bernardino-Ontario, CA (673) and Los Angeles-Long Beach-Glendale, CA (664) (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 | 4,848 |
| Total Mortgage Loan Application Amount | $1,210,962,000 |
| Average Mortgage Loan Application Amount | $249,785 |
| Highest Mortgage Loan Application Amount | $1,000,000 |
| Average Applicant Income | $84,239 |
| Highest Applicant Income | $1,380,000 |
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(HMDA) records Equity 1 Lenders Group filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,806 | $ 504,443,000 | $ 279,315 | $ 92,000 |
| Los Angeles, California | 664 | $ 165,739,000 | $ 249,606 | $ 91,000 |
| Riverside, California | 443 | $ 94,764,000 | $ 213,914 | $ 78,000 |
| Orange, California | 305 | $ 90,249,000 | $ 295,898 | $ 106,000 |
| San Bernardino, California | 230 | $ 43,950,000 | $ 191,086 | $ 100,000 |
| Clark, Nevada | 121 | $ 25,997,000 | $ 214,851 | $ 65,000 |
| Sacramento, California | 120 | $ 22,246,000 | $ 185,383 | $ 79,000 |
| Contra Costa, California | 103 | $ 26,952,000 | $ 261,669 | $ 78,000 |
| Santa Clara, California | 102 | $ 28,260,000 | $ 277,058 | $ 99,000 |
| Alameda, California | 96 | $ 28,701,000 | $ 298,968 | $ 87,000 |
| Maricopa, Arizona | 75 | $ 11,727,000 | $ 156,360 | $ 67,000 |
| San Joaquin, California | 75 | $ 14,724,000 | $ 196,320 | $ 88,000 |
| Ventura, California | 70 | $ 22,012,000 | $ 314,457 | $ 88,000 |
| Kern, California | 49 | $ 6,733,000 | $ 137,408 | $ 49,000 |
| Fresno, California | 45 | $ 7,565,000 | $ 168,111 | $ 74,000 |
| Sonoma, California | 39 | $ 9,923,000 | $ 254,435 | $ 57,000 |
| Stanislaus, California | 35 | $ 6,531,000 | $ 186,600 | $ 65,000 |
| Pima, Arizona | 32 | $ 3,568,000 | $ 111,500 | $ 45,000 |
| Santa Barbara, California | 32 | $ 10,014,000 | $ 312,937 | $ 120,000 |
| Solano, California | 29 | $ 7,530,000 | $ 259,655 | $ 97,000 |
| San Mateo, California | 25 | $ 8,378,000 | $ 335,120 | $ 86,000 |
| Tulare, California | 24 | $ 2,286,000 | $ 95,250 | $ 42,000 |
| Washoe, Nevada | 20 | $ 3,384,000 | $ 169,200 | $ 73,000 |
| Placer, California | 18 | $ 3,695,000 | $ 205,277 | $ 79,000 |
| San Francisco, California | 18 | $ 6,480,000 | $ 360,000 | $ 99,000 |
| Napa, California | 17 | $ 4,104,000 | $ 241,411 | $ 115,000 |
| El Dorado, California | 16 | $ 3,773,000 | $ 235,812 | $ 66,000 |
| Merced, California | 14 | $ 2,915,000 | $ 208,214 | $ 76,000 |
| Jefferson, Colorado | 12 | $ 2,377,000 | $ 198,083 | $ 48,000 |
| Nevada, California | 10 | $ 2,661,000 | $ 266,100 | $ 61,000 |
| San Luis Obispo, California | 10 | $ 3,185,000 | $ 318,500 | $ 140,000 |
| Marin, California | 9 | $ 2,661,000 | $ 295,666 | $ 95,000 |
| Imperial, California | 8 | $ 1,243,000 | $ 155,375 | $ 76,000 |
| Monterey, California | 8 | $ 2,499,000 | $ 312,375 | $ 85,000 |
| Yolo, California | 8 | $ 1,533,000 | $ 191,625 | $ 53,000 |
| Adams, Colorado | 8 | $ 1,016,000 | $ 127,000 | $ 99,000 |
| Butte, California | 7 | $ 1,125,000 | $ 160,714 | $ 56,000 |
| Mendocino, California | 7 | $ 1,224,000 | $ 174,857 | $ 25,000 |
| Shasta, California | 7 | $ 1,220,000 | $ 174,285 | $ 62,000 |
| Weld, Colorado | 7 | $ 1,100,000 | $ 157,142 | $ 60,000 |
| Humboldt, California | 6 | $ 1,002,000 | $ 167,000 | $ 37,000 |
| Santa Cruz, California | 6 | $ 2,720,000 | $ 453,333 | $ 90,000 |
| Tuolumne, California | 6 | $ 851,000 | $ 141,833 | $ 29,000 |
| Pierce, Washington | 6 | $ 838,000 | $ 139,666 | $ 73,000 |
| Cochise, Arizona | 5 | $ 831,000 | $ 166,200 | $ 75,000 |
| Yuba, California | 5 | $ 780,000 | $ 156,000 | $ 69,000 |
| Larimer, Colorado | 5 | $ 924,000 | $ 184,800 | $ 68,000 |
| Pueblo, Colorado | 5 | $ 406,000 | $ 81,200 | $ 33,000 |
| King, Washington | 5 | $ 999,000 | $ 199,800 | $ 61,000 |
| Mohave, Arizona | 4 | $ 780,000 | $ 195,000 | $ 58,000 |
| Lake, California | 4 | $ 741,000 | $ 185,250 | $ 93,000 |
| Madera, California | 4 | $ 519,000 | $ 129,750 | $ 22,000 |
| Sutter, California | 4 | $ 678,000 | $ 169,500 | $ 83,000 |
| Tehama, California | 4 | $ 423,000 | $ 105,750 | $ 31,000 |
| Arapahoe, Colorado | 4 | $ 636,000 | $ 159,000 | $ 50,000 |
| El Paso, Colorado | 4 | $ 428,000 | $ 107,000 | $ 16,000 |
| Yuma, Arizona | 3 | $ 132,000 | $ 44,000 | $ 12,000 |
| Calaveras, California | 3 | $ 568,000 | $ 189,333 | $ 59,000 |
| Denver, Colorado | 3 | $ 900,000 | $ 300,000 | $ 72,000 |
| Douglas, Colorado | 3 | $ 802,000 | $ 267,333 | $ 81,000 |
| Lyon, Nevada | 3 | $ 225,000 | $ 75,000 | $ 43,000 |
| Yavapai, Arizona | 2 | $ 205,000 | $ 102,500 | $ 62,000 |
| Colusa, California | 2 | $ 343,000 | $ 171,500 | $ 69,000 |
| Kings, California | 2 | $ 238,000 | $ 119,000 | $ 35,000 |
| San Benito, California | 2 | $ 356,000 | $ 178,000 | $ 57,000 |
| Boulder, Colorado | 2 | $ 786,000 | $ 393,000 | $ 117,000 |
| Bernalillo, New Mexico | 2 | $ 140,000 | $ 70,000 | $ 46,000 |
| Clark, Washington | 2 | $ 341,000 | $ 170,500 | $ 71,000 |
| Navajo, Arizona | 1 | $ 124,000 | $ 124,000 | $ 45,000 |
| Pinal, Arizona | 1 | $ 170,000 | $ 170,000 | $ 60,000 |
| Santa Cruz, Arizona | 1 | $ 172,000 | $ 172,000 | $ 89,000 |
| Amador, California | 1 | $ 313,000 | $ 313,000 | $ 0 |
| Inyo, California | 1 | $ 240,000 | $ 240,000 | $ 72,000 |
| Lassen, California | 1 | $ 130,000 | $ 130,000 | $ 50,000 |
| Mono, California | 1 | $ 439,000 | $ 439,000 | $ 162,000 |
| Plumas, California | 1 | $ 162,000 | $ 162,000 | $ 99,000 |
| La Plata, Colorado | 1 | $ 600,000 | $ 600,000 | $ 192,000 |
| Routt, Colorado | 1 | $ 299,000 | $ 299,000 | $ 78,000 |
| Teller, Colorado | 1 | $ 162,000 | $ 162,000 | $ 0 |
| Ada, Idaho | 1 | $ 115,000 | $ 115,000 | $ 60,000 |
| Churchill, Nevada | 1 | $ 53,000 | $ 53,000 | $ 52,000 |
| Douglas, Nevada | 1 | $ 232,000 | $ 232,000 | $ 108,000 |
| Storey, Nevada | 1 | $ 180,000 | $ 180,000 | $ 30,000 |
| Lincoln, New Mexico | 1 | $ 189,000 | $ 189,000 | $ 64,000 |
| Snohomish, Washington | 1 | $ 175,000 | $ 175,000 | $ 0 |
Mortgage Loan Application Detail Totals for Equity 1 Lenders Group in 2004
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 | 2,570 | $631,475,000 | $173,600 | $998,000 | $85,400 | $1,008,000 |
| Refinancing | 2,278 | $579,487,000 | $161,875 | $1,000,000 | $53,250 | $1,380,000 |
| 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 | 3,136 | $800,179,000 | $182,142 | $1,000,000 | $63,428 | $1,380,000 |
| Hispanic | 1,312 | $312,913,000 | $167,000 | $950,000 | $68,400 | $996,000 |
| Black or African American | 139 | $31,943,000 | $162,000 | $700,000 | $39,666 | $252,000 |
| Not Provided | 118 | $28,602,000 | $193,500 | $765,000 | $81,500 | $388,000 |
| Asian | 100 | $25,959,000 | $254,500 | $664,000 | $79,000 | $354,000 |
| Native Hawaiian or Other Pacific Islander | 30 | $7,464,000 | $225,500 | $622,000 | $99,000 | $244,000 |
| Not applicable | 7 | $1,434,000 | $204,000 | $361,000 | $53,000 | $89,000 |
| American Indian or Alaskan Native | 6 | $2,468,000 | $411,000 | $648,000 | $63,000 | $193,000 |
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) | 4,848 | $1,210,962,000 | $163,375 | $1,000,000 | $55,125 | $1,380,000 |
| 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 | 2,618 | $673,377,000 | $192,714 | $1,000,000 | $71,428 | $1,008,000 |
| Application Denied By Financial Institution | 1,099 | $259,852,000 | $146,500 | $1,000,000 | $64,833 | $1,380,000 |
| Application Approved But Not Accepted | 729 | $183,951,000 | $170,000 | $1,000,000 | $65,750 | $410,000 |
| Application Withdrawn By Applicant | 318 | $74,827,000 | $156,800 | $811,000 | $24,400 | $696,000 |
| File Closed For Incompleteness | 84 | $18,955,000 | $154,250 | $718,000 | $58,750 | $773,000 |
| 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 | 205 | $47,520,000 | $144,200 | $750,000 | $40,200 | $1,380,000 |
| Collateral | 90 | $20,844,000 | $208,250 | $765,000 | $70,250 | $360,000 |
| Credit History | 47 | $11,648,000 | $218,333 | $750,000 | $29,000 | $306,000 |
| Unverifiable Information | 28 | $5,642,000 | $201,000 | $500,000 | $80,000 | $175,000 |
| Employment History | 22 | $5,142,000 | $164,000 | $750,000 | $64,000 | $168,000 |
| Debt-To-Income Ratio | 12 | $3,021,000 | $195,000 | $572,000 | $60,000 | $170,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $525,000 | $131,000 | $300,000 | $64,000 | $90,000 |
| 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 Equity 1 Lenders Group's 2004 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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