Equity 1 Lenders Group Mortgage Lending & HMDA Data, 2006
In 2006, Equity 1 Lenders Group of Escondido, CA reported 3,149 mortgage applications totaling $766.7 million, down 49% from 2005. The average application was for $243,467, and applicants reported an average income of $121,868. 42% of its applications resulted in an originated loan and 34% were denied. Its largest markets were San Diego-Carlsbad-San Marcos, CA (679), Riverside-San Bernardino-Ontario, CA (443) and Los Angeles-Long Beach-Glendale, CA (409) (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 | 3,149 |
| Total Mortgage Loan Application Amount | $766,678,000 |
| Average Mortgage Loan Application Amount | $243,467 |
| Highest Mortgage Loan Application Amount | $1,737,000 |
| Average Applicant Income | $121,868 |
| 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(HMDA) records Equity 1 Lenders Group filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 679 | $ 192,572,000 | $ 283,611 | $ 142,000 |
| Los Angeles, California | 409 | $ 124,448,000 | $ 304,273 | $ 140,000 |
| Riverside, California | 265 | $ 66,369,000 | $ 250,449 | $ 127,000 |
| San Bernardino, California | 178 | $ 39,202,000 | $ 220,235 | $ 119,000 |
| Orange, California | 149 | $ 47,947,000 | $ 321,791 | $ 172,000 |
| Maricopa, Arizona | 127 | $ 23,286,000 | $ 183,354 | $ 95,000 |
| Sacramento, California | 71 | $ 14,073,000 | $ 198,211 | $ 143,000 |
| Clark, Nevada | 59 | $ 8,354,000 | $ 141,593 | $ 98,000 |
| Contra Costa, California | 56 | $ 18,216,000 | $ 325,285 | $ 184,000 |
| King, Washington | 52 | $ 10,714,000 | $ 206,038 | $ 97,000 |
| Alameda, California | 47 | $ 15,566,000 | $ 331,191 | $ 169,000 |
| Kern, California | 47 | $ 6,751,000 | $ 143,638 | $ 83,000 |
| Pierce, Washington | 40 | $ 5,229,000 | $ 130,725 | $ 69,000 |
| Santa Clara, California | 39 | $ 15,131,000 | $ 387,974 | $ 156,000 |
| Pima, Arizona | 37 | $ 4,982,000 | $ 134,648 | $ 81,000 |
| Stanislaus, California | 37 | $ 7,035,000 | $ 190,135 | $ 96,000 |
| San Joaquin, California | 32 | $ 7,078,000 | $ 221,187 | $ 111,000 |
| Snohomish, Washington | 32 | $ 6,995,000 | $ 218,593 | $ 91,000 |
| Ventura, California | 31 | $ 10,463,000 | $ 337,516 | $ 172,000 |
| Fresno, California | 28 | $ 3,818,000 | $ 136,357 | $ 93,000 |
| El Paso, Colorado | 25 | $ 2,334,000 | $ 93,360 | $ 70,000 |
| San Mateo, California | 24 | $ 9,469,000 | $ 394,541 | $ 149,000 |
| Solano, California | 23 | $ 7,439,000 | $ 323,434 | $ 139,000 |
| Sonoma, California | 21 | $ 7,517,000 | $ 357,952 | $ 152,000 |
| Multnomah, Oregon | 20 | $ 3,314,000 | $ 165,700 | $ 98,000 |
| Clark, Washington | 20 | $ 2,787,000 | $ 139,350 | $ 58,000 |
| Spokane, Washington | 20 | $ 2,395,000 | $ 119,750 | $ 61,000 |
| Pinal, Arizona | 19 | $ 3,050,000 | $ 160,526 | $ 80,000 |
| Placer, California | 19 | $ 5,279,000 | $ 277,842 | $ 133,000 |
| Jefferson, Colorado | 18 | $ 2,771,000 | $ 153,944 | $ 80,000 |
| Thurston, Washington | 16 | $ 2,883,000 | $ 180,187 | $ 92,000 |
| Washoe, Nevada | 15 | $ 3,477,000 | $ 231,800 | $ 82,000 |
| Washington, Oregon | 15 | $ 2,501,000 | $ 166,733 | $ 73,000 |
| Yavapai, Arizona | 14 | $ 2,055,000 | $ 146,785 | $ 71,000 |
| Imperial, California | 13 | $ 1,886,000 | $ 145,076 | $ 99,000 |
| Santa Barbara, California | 13 | $ 4,091,000 | $ 314,692 | $ 109,000 |
| Mohave, Arizona | 12 | $ 2,501,000 | $ 208,416 | $ 96,000 |
| Wayne, Michigan | 12 | $ 1,000,000 | $ 83,333 | $ 58,000 |
| Lane, Oregon | 12 | $ 1,389,000 | $ 115,750 | $ 53,000 |
| Yuma, Arizona | 11 | $ 1,690,000 | $ 153,636 | $ 99,000 |
| Butte, California | 11 | $ 2,028,000 | $ 184,363 | $ 90,000 |
| Weld, Colorado | 11 | $ 2,568,000 | $ 233,454 | $ 117,000 |
| Monterey, California | 10 | $ 3,955,000 | $ 395,500 | $ 101,000 |
| Marion, Oregon | 10 | $ 1,216,000 | $ 121,600 | $ 78,000 |
| El Dorado, California | 9 | $ 3,516,000 | $ 390,666 | $ 138,000 |
| Tulare, California | 9 | $ 1,473,000 | $ 163,666 | $ 115,000 |
| Yolo, California | 9 | $ 2,011,000 | $ 223,444 | $ 105,000 |
| Ada, Idaho | 9 | $ 932,000 | $ 103,555 | $ 72,000 |
| Jackson, Oregon | 9 | $ 2,119,000 | $ 235,444 | $ 77,000 |
| Merced, California | 8 | $ 1,616,000 | $ 202,000 | $ 90,000 |
| Arapahoe, Colorado | 8 | $ 1,783,000 | $ 222,875 | $ 122,000 |
| Yamhill, Oregon | 8 | $ 847,000 | $ 105,875 | $ 87,000 |
| Kitsap, Washington | 8 | $ 1,335,000 | $ 166,875 | $ 75,000 |
| Cochise, Arizona | 7 | $ 803,000 | $ 114,714 | $ 61,000 |
| Linn, Oregon | 7 | $ 986,000 | $ 140,857 | $ 40,000 |
| Coconino, Arizona | 6 | $ 1,422,000 | $ 237,000 | $ 128,000 |
| Madera, California | 6 | $ 1,066,000 | $ 177,666 | $ 97,000 |
| Clackamas, Oregon | 6 | $ 1,029,000 | $ 171,500 | $ 66,000 |
| Whatcom, Washington | 6 | $ 1,142,000 | $ 190,333 | $ 91,000 |
| San Francisco, California | 5 | $ 1,759,000 | $ 351,800 | $ 99,000 |
| Adams, Colorado | 5 | $ 516,000 | $ 103,200 | $ 72,000 |
| Denver, Colorado | 5 | $ 407,000 | $ 81,400 | $ 77,000 |
| Larimer, Colorado | 5 | $ 328,000 | $ 65,600 | $ 63,000 |
| Washtenaw, Michigan | 5 | $ 1,464,000 | $ 292,800 | $ 115,000 |
| Lyon, Nevada | 5 | $ 651,000 | $ 130,200 | $ 79,000 |
| Asotin, Washington | 5 | $ 439,000 | $ 87,800 | $ 74,000 |
| Chelan, Washington | 5 | $ 842,000 | $ 168,400 | $ 92,000 |
| Grays Harbor, Washington | 5 | $ 741,000 | $ 148,200 | $ 60,000 |
| Calaveras, California | 4 | $ 611,000 | $ 152,750 | $ 56,000 |
| Del Norte, California | 4 | $ 539,000 | $ 134,750 | $ 55,000 |
| Humboldt, California | 4 | $ 967,000 | $ 241,750 | $ 79,000 |
| Marin, California | 4 | $ 1,934,000 | $ 483,500 | $ 178,000 |
| Douglas, Colorado | 4 | $ 449,000 | $ 112,250 | $ 79,000 |
| Mesa, Colorado | 4 | $ 628,000 | $ 157,000 | $ 59,000 |
| Oakland, Michigan | 4 | $ 816,000 | $ 204,000 | $ 91,000 |
| San Benito, California | 3 | $ 1,056,000 | $ 352,000 | $ 138,000 |
| San Luis Obispo, California | 3 | $ 965,000 | $ 321,666 | $ 117,000 |
| Shasta, California | 3 | $ 771,000 | $ 257,000 | $ 70,000 |
| Boulder, Colorado | 3 | $ 359,000 | $ 119,666 | $ 83,000 |
| Elbert, Colorado | 3 | $ 333,000 | $ 111,000 | $ 99,000 |
| Montezuma, Colorado | 3 | $ 534,000 | $ 178,000 | $ 59,000 |
| Park, Colorado | 3 | $ 530,000 | $ 176,666 | $ 66,000 |
| San Miguel, Colorado | 3 | $ 809,000 | $ 269,666 | $ 240,000 |
| Bonneville, Idaho | 3 | $ 350,000 | $ 116,666 | $ 73,000 |
| Madison, Idaho | 3 | $ 318,000 | $ 106,000 | $ 64,000 |
| Allegan, Michigan | 3 | $ 342,000 | $ 114,000 | $ 67,000 |
| Genesee, Michigan | 3 | $ 115,000 | $ 38,333 | $ 29,000 |
| Macomb, Michigan | 3 | $ 265,000 | $ 88,333 | $ 97,000 |
| Monroe, Michigan | 3 | $ 433,000 | $ 144,333 | $ 70,000 |
| Carson City, Nevada | 3 | $ 486,000 | $ 162,000 | $ 103,000 |
| Douglas, Nevada | 3 | $ 665,000 | $ 221,666 | $ 42,000 |
| Benton, Oregon | 3 | $ 477,000 | $ 159,000 | $ 145,000 |
| Deschutes, Oregon | 3 | $ 479,000 | $ 159,666 | $ 66,000 |
| Douglas, Oregon | 3 | $ 407,000 | $ 135,666 | $ 20,000 |
| Josephine, Oregon | 3 | $ 461,000 | $ 153,666 | $ 30,000 |
| Klamath, Oregon | 3 | $ 236,000 | $ 78,666 | $ 0 |
| Benton, Washington | 3 | $ 234,000 | $ 78,000 | $ 70,000 |
| Cowlitz, Washington | 3 | $ 222,000 | $ 74,000 | $ 51,000 |
| Island, Washington | 3 | $ 277,000 | $ 92,333 | $ 66,000 |
| Kittitas, Washington | 3 | $ 139,000 | $ 46,333 | $ 23,000 |
| Skagit, Washington | 3 | $ 534,000 | $ 178,000 | $ 75,000 |
| Yakima, Washington | 3 | $ 402,000 | $ 134,000 | $ 86,000 |
| Graham, Arizona | 2 | $ 231,000 | $ 115,500 | $ 38,000 |
| Colusa, California | 2 | $ 366,000 | $ 183,000 | $ 90,000 |
| Kings, California | 2 | $ 229,000 | $ 114,500 | $ 81,000 |
| Lake, California | 2 | $ 470,000 | $ 235,000 | $ 29,000 |
| Nevada, California | 2 | $ 564,000 | $ 282,000 | $ 0 |
| Plumas, California | 2 | $ 248,000 | $ 124,000 | $ 0 |
| Santa Cruz, California | 2 | $ 509,000 | $ 254,500 | $ 127,000 |
| Siskiyou, California | 2 | $ 162,000 | $ 81,000 | $ 48,000 |
| Tuolumne, California | 2 | $ 491,000 | $ 245,500 | $ 27,000 |
| Eagle, Colorado | 2 | $ 570,000 | $ 285,000 | $ 34,000 |
| Pueblo, Colorado | 2 | $ 122,000 | $ 61,000 | $ 85,000 |
| Canyon, Idaho | 2 | $ 61,000 | $ 30,500 | $ 42,000 |
| Kootenai, Idaho | 2 | $ 333,000 | $ 166,500 | $ 132,000 |
| Nez Perce, Idaho | 2 | $ 329,000 | $ 164,500 | $ 61,000 |
| Twin Falls, Idaho | 2 | $ 288,000 | $ 144,000 | $ 30,000 |
| Eaton, Michigan | 2 | $ 177,000 | $ 88,500 | $ 113,000 |
| Jackson, Michigan | 2 | $ 101,000 | $ 50,500 | $ 69,000 |
| Crook, Oregon | 2 | $ 435,000 | $ 217,500 | $ 0 |
| Lincoln, Oregon | 2 | $ 790,000 | $ 395,000 | $ 54,000 |
| Clallam, Washington | 2 | $ 195,000 | $ 97,500 | $ 73,000 |
| Walla Walla, Washington | 2 | $ 295,000 | $ 147,500 | $ 95,000 |
| Whitman, Washington | 2 | $ 365,000 | $ 182,500 | $ 60,000 |
| Gila, Arizona | 1 | $ 220,000 | $ 220,000 | $ 0 |
| Santa Cruz, Arizona | 1 | $ 170,000 | $ 170,000 | $ 61,000 |
| Alpine, California | 1 | $ 150,000 | $ 150,000 | $ 88,000 |
| Amador, California | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Lassen, California | 1 | $ 85,000 | $ 85,000 | $ 164,000 |
| Mariposa, California | 1 | $ 270,000 | $ 270,000 | $ 68,000 |
| Napa, California | 1 | $ 269,000 | $ 269,000 | $ 49,000 |
| Sutter, California | 1 | $ 165,000 | $ 165,000 | $ 79,000 |
| Yuba, California | 1 | $ 91,000 | $ 91,000 | $ 111,000 |
| Alamosa, Colorado | 1 | $ 34,000 | $ 34,000 | $ 42,000 |
| Grand, Colorado | 1 | $ 51,000 | $ 51,000 | $ 70,000 |
| Gunnison, Colorado | 1 | $ 180,000 | $ 180,000 | $ 58,000 |
| La Plata, Colorado | 1 | $ 140,000 | $ 140,000 | $ 73,000 |
| Moffat, Colorado | 1 | $ 70,000 | $ 70,000 | $ 97,000 |
| Benewah, Idaho | 1 | $ 367,000 | $ 367,000 | $ 0 |
| Elmore, Idaho | 1 | $ 28,000 | $ 28,000 | $ 54,000 |
| Gladwin, Michigan | 1 | $ 67,000 | $ 67,000 | $ 102,000 |
| Gogebic, Michigan | 1 | $ 123,000 | $ 123,000 | $ 0 |
| Isabella, Michigan | 1 | $ 78,000 | $ 78,000 | $ 93,000 |
| Kent, Michigan | 1 | $ 50,000 | $ 50,000 | $ 42,000 |
| Livingston, Michigan | 1 | $ 30,000 | $ 30,000 | $ 58,000 |
| Van Buren, Michigan | 1 | $ 29,000 | $ 29,000 | $ 0 |
| Elko, Nevada | 1 | $ 45,000 | $ 45,000 | $ 66,000 |
| Nye, Nevada | 1 | $ 37,000 | $ 37,000 | $ 53,000 |
| Curry, Oregon | 1 | $ 150,000 | $ 150,000 | $ 240,000 |
| Jefferson, Oregon | 1 | $ 164,000 | $ 164,000 | $ 0 |
| Polk, Oregon | 1 | $ 110,000 | $ 110,000 | $ 36,000 |
| Umatilla, Oregon | 1 | $ 30,000 | $ 30,000 | $ 68,000 |
| Douglas, Washington | 1 | $ 49,000 | $ 49,000 | $ 74,000 |
| Franklin, Washington | 1 | $ 55,000 | $ 55,000 | $ 100,000 |
| Grant, Washington | 1 | $ 53,000 | $ 53,000 | $ 39,000 |
| Jefferson, Washington | 1 | $ 161,000 | $ 161,000 | $ 276,000 |
| Klickitat, Washington | 1 | $ 48,000 | $ 48,000 | $ 50,000 |
| Lewis, Washington | 1 | $ 168,000 | $ 168,000 | $ 26,000 |
| Mason, Washington | 1 | $ 61,000 | $ 61,000 | $ 0 |
Mortgage Loan Application Detail Totals for Equity 1 Lenders Group in 2006
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 | 2,196 | $531,650,000 | $242,000 | $1,737,000 | $114,000 | $1,272,000 |
| Home Purchase | 953 | $235,028,000 | $246,000 | $1,121,000 | $140,000 | $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 |
|---|---|---|---|---|---|---|
| White | 1,860 | $423,659,000 | $227,000 | $1,737,000 | $116,000 | $1,800,000 |
| Hispanic | 826 | $212,144,000 | $256,000 | $782,000 | $122,000 | $720,000 |
| Asian | 162 | $49,376,000 | $304,000 | $950,000 | $154,000 | $739,000 |
| Black or African American | 139 | $38,718,000 | $278,000 | $897,000 | $149,000 | $499,000 |
| Not Provided | 107 | $25,314,000 | $236,000 | $645,000 | $131,000 | $768,000 |
| Native Hawaiian or Other Pacific Islander | 46 | $14,991,000 | $325,000 | $760,000 | $159,000 | $312,000 |
| American Indian or Alaskan Native | 9 | $2,476,000 | $275,000 | $476,000 | $152,000 | $268,000 |
| 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) | 3,149 | $766,678,000 | $243,000 | $1,737,000 | $122,000 | $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 | 1,335 | $315,985,000 | $236,000 | $1,737,000 | $109,000 | $1,272,000 |
| Application Denied By Financial Institution | 1,071 | $254,402,000 | $237,000 | $1,050,000 | $131,000 | $816,000 |
| Application Approved But Not Accepted | 396 | $106,326,000 | $268,000 | $950,000 | $128,000 | $366,000 |
| Application Withdrawn By Applicant | 244 | $64,070,000 | $262,000 | $1,500,000 | $132,000 | $1,800,000 |
| File Closed For Incompleteness | 103 | $25,895,000 | $251,000 | $906,000 | $142,000 | $411,000 |
| 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 | 259 | $46,794,000 | $180,000 | $680,000 | $95,000 | $600,000 |
| Collateral | 46 | $8,626,000 | $187,000 | $1,050,000 | $98,000 | $300,000 |
| Employment History | 15 | $2,717,000 | $181,000 | $446,000 | $78,000 | $174,000 |
| Credit History | 4 | $518,000 | $129,000 | $235,000 | $77,000 | $136,000 |
| Unverifiable Information | 2 | $993,000 | $496,000 | $520,000 | $100,000 | $200,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $63,000 | $63,000 | $63,000 | $68,000 | $68,000 |
| Debt-To-Income Ratio | 1 | $100,000 | $100,000 | $100,000 | $81,000 | $81,000 |
| Credit Application Incomplete | 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 2006 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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