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(HMDA) records Equity 1 Lenders Group filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| San Diego-Carlsbad-San Marcos, CA | 182 | $ 51,923,000 | $ 285,291 | $ 113,000 |
| Riverside-San Bernardino-Ontario, CA | 141 | $ 32,715,000 | $ 232,021 | $ 95,000 |
| Phoenix-Mesa-Scottsdale, AZ | 134 | $ 28,613,000 | $ 213,529 | $ 89,000 |
| Los Angeles-Long Beach-Glendale, CA | 127 | $ 36,859,000 | $ 290,228 | $ 113,000 |
| Seattle-Bellevue-Everett, WA | 80 | $ 20,575,000 | $ 257,187 | $ 89,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 74 | $ 17,283,000 | $ 233,554 | $ 101,000 |
| Oakland-Fremont-Hayward, CA | 55 | $ 17,168,000 | $ 312,145 | $ 116,000 |
| Las Vegas-Paradise, NV | 51 | $ 11,351,000 | $ 222,568 | $ 106,000 |
| Denver-Aurora, CO | 46 | $ 8,236,000 | $ 179,043 | $ 114,000 |
| Santa Ana-Anaheim-Irvine, CA | 46 | $ 17,019,000 | $ 369,978 | $ 152,000 |
| Tucson, AZ | 41 | $ 8,225,000 | $ 200,609 | $ 90,000 |
| Tacoma, WA | 25 | $ 4,745,000 | $ 189,800 | $ 78,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 21 | $ 4,067,000 | $ 193,666 | $ 73,000 |
| Stockton, CA | 21 | $ 4,998,000 | $ 238,000 | $ 114,000 |
| Portland-Vancouver-Beaverton, OR-WA | 19 | $ 3,202,000 | $ 168,526 | $ 66,684 |
| San Francisco-San Mateo-Redwood City, CA | 19 | $ 6,681,000 | $ 351,631 | $ 127,000 |
| Fresno, CA | 17 | $ 3,593,000 | $ 211,352 | $ 105,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 17 | $ 6,931,000 | $ 407,705 | $ 115,000 |
| Reno-Sparks, NV | 16 | $ 2,710,000 | $ 169,375 | $ 101,000 |
| Vallejo-Fairfield, CA | 16 | $ 5,019,000 | $ 313,687 | $ 101,000 |
| Bremerton-Silverdale, WA | 14 | $ 2,502,000 | $ 178,714 | $ 79,000 |
| Bakersfield, CA | 13 | $ 2,845,000 | $ 218,846 | $ 98,000 |
| Modesto, CA | 13 | $ 2,983,000 | $ 229,461 | $ 80,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 12 | $ 5,869,000 | $ 489,083 | $ 312,000 |
| Prescott, AZ | 10 | $ 1,923,000 | $ 192,300 | $ 71,000 |
| Lake Havasu City-Kingman, AZ | 9 | $ 1,720,000 | $ 191,111 | $ 79,000 |
| Santa Rosa-Petaluma, CA | 9 | $ 2,632,000 | $ 292,444 | $ 124,000 |
| Bellingham, WA | 8 | $ 1,829,000 | $ 228,625 | $ 68,000 |
| Boulder, CO | 8 | $ 1,080,000 | $ 135,000 | $ 106,000 |
| Flagstaff, AZ | 8 | $ 1,572,000 | $ 196,500 | $ 108,000 |
| San Luis Obispo-Paso Robles, CA | 8 | $ 2,502,000 | $ 312,750 | $ 106,000 |
| Fort Collins-Loveland, CO | 7 | $ 1,041,000 | $ 148,714 | $ 64,000 |
| Santa Cruz-Watsonville, CA | 7 | $ 2,742,000 | $ 391,714 | $ 176,000 |
| Spokane, WA | 7 | $ 1,066,000 | $ 152,285 | $ 61,000 |
| Chico, CA | 6 | $ 848,000 | $ 141,333 | $ 98,000 |
| Colorado Springs, CO | 6 | $ 1,295,000 | $ 215,833 | $ 68,000 |
| Salinas, CA | 6 | $ 2,097,000 | $ 349,500 | $ 98,000 |
| Visalia-Porterville, CA | 6 | $ 908,000 | $ 151,333 | $ 103,000 |
| Eugene-Springfield, OR | 5 | $ 572,000 | $ 114,400 | $ 72,000 |
| Olympia, WA | 4 | $ 761,000 | $ 190,250 | $ 76,000 |
| Redding, CA | 4 | $ 731,000 | $ 182,750 | $ 76,000 |
| Yuba City, CA | 4 | $ 991,000 | $ 247,750 | $ 86,000 |
| Yuma, AZ | 4 | $ 611,000 | $ 152,750 | $ 110,000 |
| Boise City-Nampa, ID | 3 | $ 314,000 | $ 104,666 | $ 100,000 |
| Grand Junction, CO | 3 | $ 668,000 | $ 222,666 | $ 81,000 |
| Greeley, CO | 3 | $ 541,000 | $ 180,333 | $ 57,000 |
| Napa, CA | 3 | $ 1,031,000 | $ 343,666 | $ 132,000 |
| Salem, OR | 3 | $ 209,000 | $ 69,666 | $ 63,000 |
| Coeur D'Alene, ID | 2 | $ 446,000 | $ 223,000 | $ 51,000 |
| El Centro, CA | 2 | $ 178,000 | $ 89,000 | $ 44,000 |
| Hanford-Corcoran, CA | 2 | $ 263,000 | $ 131,500 | $ 141,000 |
| Lewiston, ID-WA | 2 | $ 219,000 | $ 109,500 | $ 83,000 |
| Medford, OR | 2 | $ 1,023,000 | $ 511,500 | $ 27,000 |
| Mount Vernon-Anacortes, WA | 2 | $ 471,000 | $ 235,500 | $ 129,000 |
| Ann Arbor, MI | 1 | $ 110,000 | $ 110,000 | $ 88,000 |
| Carson City, NV | 1 | $ 33,000 | $ 33,000 | $ 78,000 |
| Detroit-Livonia-Dearborn, MI | 1 | $ 257,000 | $ 257,000 | $ 160,000 |
| Longview, WA | 1 | $ 110,000 | $ 110,000 | $ 43,000 |
| Madera, CA | 1 | $ 213,000 | $ 213,000 | $ 98,000 |
| Wenatchee, WA | 1 | $ 173,000 | $ 173,000 | $ 90,000 |
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.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About