Equity 1 Lenders Group Mortgage Lending & HMDA Data, 2005
In 2005, Equity 1 Lenders Group of Escondido, CA reported 6,120 mortgage applications totaling $1.6 billion, up 26% from 2004. The average application was for $268,103, and applicants reported an average income of $121,310. 47% of its applications resulted in an originated loan and 25% were denied. Its largest markets were San Diego-Carlsbad-San Marcos, CA (1,554), Riverside-San Bernardino-Ontario, CA (928) and Los Angeles-Long Beach-Glendale, CA (725) (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 | 6,120 |
| Total Mortgage Loan Application Amount | $1,640,792,000 |
| Average Mortgage Loan Application Amount | $268,103 |
| Highest Mortgage Loan Application Amount | $1,760,000 |
| Average Applicant Income | $121,310 |
| Highest Applicant Income | $1,800,000 |
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(HMDA) records Equity 1 Lenders Group filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,554 | $ 475,575,000 | $ 306,032 | $ 148,000 |
| Los Angeles, California | 725 | $ 219,171,000 | $ 302,304 | $ 142,000 |
| Riverside, California | 616 | $ 146,783,000 | $ 238,284 | $ 122,000 |
| Orange, California | 421 | $ 150,821,000 | $ 358,244 | $ 150,000 |
| San Bernardino, California | 312 | $ 68,776,000 | $ 220,435 | $ 111,000 |
| Maricopa, Arizona | 258 | $ 39,203,000 | $ 151,949 | $ 109,000 |
| Sacramento, California | 164 | $ 37,540,000 | $ 228,902 | $ 105,000 |
| Contra Costa, California | 136 | $ 41,629,000 | $ 306,095 | $ 124,000 |
| Clark, Nevada | 127 | $ 24,354,000 | $ 191,763 | $ 75,000 |
| San Joaquin, California | 96 | $ 25,371,000 | $ 264,281 | $ 114,000 |
| Stanislaus, California | 91 | $ 21,674,000 | $ 238,175 | $ 113,000 |
| Alameda, California | 88 | $ 32,196,000 | $ 365,863 | $ 184,000 |
| Kern, California | 81 | $ 14,150,000 | $ 174,691 | $ 84,000 |
| Ventura, California | 79 | $ 24,373,000 | $ 308,518 | $ 124,000 |
| Fresno, California | 78 | $ 12,893,000 | $ 165,294 | $ 97,000 |
| Santa Clara, California | 70 | $ 25,509,000 | $ 364,414 | $ 133,000 |
| Solano, California | 68 | $ 20,014,000 | $ 294,323 | $ 149,000 |
| Imperial, California | 67 | $ 10,071,000 | $ 150,313 | $ 85,000 |
| Pima, Arizona | 64 | $ 10,222,000 | $ 159,718 | $ 96,000 |
| King, Washington | 63 | $ 14,448,000 | $ 229,333 | $ 89,000 |
| Pierce, Washington | 57 | $ 10,247,000 | $ 179,771 | $ 53,000 |
| Washoe, Nevada | 49 | $ 11,536,000 | $ 235,428 | $ 77,000 |
| San Mateo, California | 38 | $ 17,170,000 | $ 451,842 | $ 136,000 |
| Sonoma, California | 37 | $ 11,525,000 | $ 311,486 | $ 124,000 |
| Spokane, Washington | 34 | $ 4,207,000 | $ 123,735 | $ 81,000 |
| Santa Barbara, California | 32 | $ 12,636,000 | $ 394,875 | $ 111,000 |
| Snohomish, Washington | 31 | $ 6,169,000 | $ 199,000 | $ 75,000 |
| Multnomah, Oregon | 28 | $ 4,637,000 | $ 165,607 | $ 57,000 |
| El Dorado, California | 27 | $ 9,212,000 | $ 341,185 | $ 143,000 |
| Tulare, California | 27 | $ 4,026,000 | $ 149,111 | $ 79,000 |
| Placer, California | 25 | $ 8,016,000 | $ 320,640 | $ 157,000 |
| Marion, Oregon | 24 | $ 2,475,000 | $ 103,125 | $ 90,000 |
| San Francisco, California | 22 | $ 10,749,000 | $ 488,590 | $ 176,000 |
| Clackamas, Oregon | 21 | $ 3,811,000 | $ 181,476 | $ 67,000 |
| Pinal, Arizona | 20 | $ 2,999,000 | $ 149,950 | $ 58,000 |
| Merced, California | 19 | $ 3,915,000 | $ 206,052 | $ 117,000 |
| Monterey, California | 19 | $ 6,709,000 | $ 353,105 | $ 138,000 |
| Jefferson, Colorado | 19 | $ 3,012,000 | $ 158,526 | $ 63,000 |
| Washington, Oregon | 19 | $ 3,409,000 | $ 179,421 | $ 66,000 |
| El Paso, Colorado | 18 | $ 2,745,000 | $ 152,500 | $ 58,000 |
| Marin, California | 17 | $ 8,525,000 | $ 501,470 | $ 186,000 |
| Yolo, California | 17 | $ 3,988,000 | $ 234,588 | $ 171,000 |
| Clark, Washington | 16 | $ 2,996,000 | $ 187,250 | $ 62,000 |
| Kitsap, Washington | 16 | $ 3,408,000 | $ 213,000 | $ 80,000 |
| Thurston, Washington | 15 | $ 2,337,000 | $ 155,800 | $ 70,000 |
| Whatcom, Washington | 13 | $ 2,699,000 | $ 207,615 | $ 69,000 |
| Humboldt, California | 12 | $ 2,438,000 | $ 203,166 | $ 135,000 |
| San Luis Obispo, California | 12 | $ 4,062,000 | $ 338,500 | $ 89,000 |
| Lane, Oregon | 12 | $ 1,594,000 | $ 132,833 | $ 48,000 |
| Napa, California | 11 | $ 3,500,000 | $ 318,181 | $ 182,000 |
| Mohave, Arizona | 10 | $ 1,358,000 | $ 135,800 | $ 172,000 |
| Santa Cruz, California | 10 | $ 3,697,000 | $ 369,700 | $ 195,000 |
| Adams, Colorado | 10 | $ 1,839,000 | $ 183,900 | $ 42,000 |
| Yakima, Washington | 10 | $ 1,148,000 | $ 114,800 | $ 65,000 |
| Butte, California | 9 | $ 2,150,000 | $ 238,888 | $ 111,000 |
| Sutter, California | 9 | $ 1,832,000 | $ 203,555 | $ 79,000 |
| Polk, Oregon | 9 | $ 1,295,000 | $ 143,888 | $ 62,000 |
| Lake, California | 8 | $ 1,461,000 | $ 182,625 | $ 69,000 |
| Shasta, California | 8 | $ 1,400,000 | $ 175,000 | $ 118,000 |
| Yuba, California | 8 | $ 1,793,000 | $ 224,125 | $ 103,000 |
| Douglas, Nevada | 8 | $ 2,532,000 | $ 316,500 | $ 107,000 |
| Yavapai, Arizona | 7 | $ 905,000 | $ 129,285 | $ 64,000 |
| Amador, California | 7 | $ 1,891,000 | $ 270,142 | $ 72,000 |
| Kings, California | 6 | $ 1,094,000 | $ 182,333 | $ 80,000 |
| Madera, California | 6 | $ 706,000 | $ 117,666 | $ 57,000 |
| Tuolumne, California | 6 | $ 955,000 | $ 159,166 | $ 54,000 |
| Arapahoe, Colorado | 6 | $ 912,000 | $ 152,000 | $ 67,000 |
| Linn, Oregon | 6 | $ 584,000 | $ 97,333 | $ 61,000 |
| Cowlitz, Washington | 6 | $ 1,339,000 | $ 223,166 | $ 116,000 |
| Nevada, California | 5 | $ 1,408,000 | $ 281,600 | $ 34,000 |
| Denver, Colorado | 5 | $ 1,199,000 | $ 239,800 | $ 41,000 |
| Jackson, Oregon | 5 | $ 913,000 | $ 182,600 | $ 55,000 |
| Skagit, Washington | 5 | $ 1,062,000 | $ 212,400 | $ 63,000 |
| Cochise, Arizona | 4 | $ 868,000 | $ 217,000 | $ 91,000 |
| Navajo, Arizona | 4 | $ 861,000 | $ 215,250 | $ 92,000 |
| Yuma, Arizona | 4 | $ 572,000 | $ 143,000 | $ 67,000 |
| Calaveras, California | 4 | $ 842,000 | $ 210,500 | $ 139,000 |
| San Benito, California | 4 | $ 1,410,000 | $ 352,500 | $ 135,000 |
| Broomfield, Colorado | 4 | $ 637,000 | $ 159,250 | $ 83,000 |
| Tehama, California | 3 | $ 687,000 | $ 229,000 | $ 38,000 |
| Douglas, Colorado | 3 | $ 481,000 | $ 160,333 | $ 66,000 |
| La Plata, Colorado | 3 | $ 761,000 | $ 253,666 | $ 73,000 |
| Pueblo, Colorado | 3 | $ 666,000 | $ 222,000 | $ 90,000 |
| Weld, Colorado | 3 | $ 565,000 | $ 188,333 | $ 85,000 |
| Carson City, Nevada | 3 | $ 642,000 | $ 214,000 | $ 81,000 |
| Lyon, Nevada | 3 | $ 534,000 | $ 178,000 | $ 80,000 |
| Yamhill, Oregon | 3 | $ 332,000 | $ 110,666 | $ 57,000 |
| Gila, Arizona | 2 | $ 249,000 | $ 124,500 | $ 66,000 |
| Alpine, California | 2 | $ 495,000 | $ 247,500 | $ 600,000 |
| Inyo, California | 2 | $ 625,000 | $ 312,500 | $ 108,000 |
| Mendocino, California | 2 | $ 403,000 | $ 201,500 | $ 68,000 |
| Siskiyou, California | 2 | $ 270,000 | $ 135,000 | $ 49,000 |
| Fremont, Colorado | 2 | $ 270,000 | $ 135,000 | $ 69,000 |
| Larimer, Colorado | 2 | $ 916,000 | $ 458,000 | $ 139,000 |
| Benton, Oregon | 2 | $ 265,000 | $ 132,500 | $ 71,000 |
| Jefferson, Washington | 2 | $ 642,000 | $ 321,000 | $ 100,000 |
| Coconino, Arizona | 1 | $ 299,000 | $ 299,000 | $ 62,000 |
| Graham, Arizona | 1 | $ 172,000 | $ 172,000 | $ 78,000 |
| Lassen, California | 1 | $ 139,000 | $ 139,000 | $ 50,000 |
| Mono, California | 1 | $ 616,000 | $ 616,000 | $ 390,000 |
| Boulder, Colorado | 1 | $ 51,000 | $ 51,000 | $ 61,000 |
| Delta, Colorado | 1 | $ 375,000 | $ 375,000 | $ 84,000 |
| Gilpin, Colorado | 1 | $ 91,000 | $ 91,000 | $ 75,000 |
| Grand, Colorado | 1 | $ 218,000 | $ 218,000 | $ 48,000 |
| Las Animas, Colorado | 1 | $ 230,000 | $ 230,000 | $ 37,000 |
| Mesa, Colorado | 1 | $ 26,000 | $ 26,000 | $ 31,000 |
| Routt, Colorado | 1 | $ 61,000 | $ 61,000 | $ 78,000 |
| Nye, Nevada | 1 | $ 256,000 | $ 256,000 | $ 0 |
| Columbia, Oregon | 1 | $ 26,000 | $ 26,000 | $ 72,000 |
| Deschutes, Oregon | 1 | $ 445,000 | $ 445,000 | $ 144,000 |
| Douglas, Oregon | 1 | $ 176,000 | $ 176,000 | $ 75,000 |
| Malheur, Oregon | 1 | $ 105,000 | $ 105,000 | $ 29,000 |
| Island, Washington | 1 | $ 270,000 | $ 270,000 | $ 57,000 |
| Kittitas, Washington | 1 | $ 100,000 | $ 100,000 | $ 70,000 |
| Klickitat, Washington | 1 | $ 80,000 | $ 80,000 | $ 52,000 |
Mortgage Loan Application Detail Totals for Equity 1 Lenders Group in 2005
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 | 3,258 | $888,475,000 | $181,000 | $1,760,000 | $67,571 | $1,005,000 |
| Home Purchase | 2,862 | $752,317,000 | $187,833 | $1,722,000 | $97,333 | $1,800,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not Provided | 2,299 | $654,567,000 | $175,166 | $1,760,000 | $89,166 | $1,800,000 |
| White | 2,067 | $525,167,000 | $200,666 | $1,495,000 | $82,833 | $1,000,000 |
| Hispanic | 1,453 | $371,471,000 | $149,857 | $1,117,000 | $57,857 | $404,000 |
| Asian | 169 | $55,692,000 | $209,500 | $1,472,000 | $78,750 | $1,800,000 |
| Black or African American | 106 | $24,478,000 | $146,800 | $656,000 | $76,400 | $1,104,000 |
| Native Hawaiian or Other Pacific Islander | 24 | $9,259,000 | $385,000 | $1,265,000 | $167,000 | $338,000 |
| American Indian or Alaskan Native | 2 | $158,000 | $79,000 | $90,000 | $94,000 | $121,000 |
| 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) | 6,120 | $1,640,792,000 | $175,428 | $1,760,000 | $72,571 | $1,800,000 |
| 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 | 2,873 | $788,125,000 | $209,166 | $1,722,000 | $84,666 | $1,440,000 |
| Application Denied By Financial Institution | 1,548 | $399,126,000 | $170,000 | $1,610,000 | $87,500 | $1,104,000 |
| Application Approved But Not Accepted | 1,135 | $313,480,000 | $181,666 | $1,698,000 | $78,666 | $1,005,000 |
| Application Withdrawn By Applicant | 521 | $129,056,000 | $165,142 | $1,760,000 | $69,857 | $1,800,000 |
| File Closed For Incompleteness | 43 | $11,005,000 | $187,750 | $825,000 | $107,250 | $960,000 |
| 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 | 1,007 | $264,368,000 | $164,166 | $1,610,000 | $87,000 | $1,104,000 |
| Credit History | 181 | $45,637,000 | $162,333 | $1,125,000 | $87,666 | $576,000 |
| Collateral | 129 | $34,150,000 | $163,250 | $1,260,000 | $114,750 | $708,000 |
| Unverifiable Information | 102 | $26,540,000 | $153,000 | $788,000 | $120,000 | $330,000 |
| Employment History | 81 | $17,922,000 | $211,666 | $640,000 | $88,333 | $188,000 |
| Credit Application Incomplete | 29 | $6,118,000 | $166,000 | $720,000 | $140,500 | $230,000 |
| Debt-To-Income Ratio | 19 | $4,391,000 | $165,750 | $540,000 | $57,750 | $157,000 |
| 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 Equity 1 Lenders Group's 2005 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
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