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(HMDA) records Equity 1 Lenders Group filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | 1,554 | $ 475,575,000 | $ 306,032 | $ 148,000 |
| Riverside-San Bernardino-Ontario, CA | 928 | $ 215,559,000 | $ 232,283 | $ 117,000 |
| Los Angeles-Long Beach-Glendale, CA | 725 | $ 219,171,000 | $ 302,304 | $ 142,000 |
| Santa Ana-Anaheim-Irvine, CA | 421 | $ 150,821,000 | $ 358,244 | $ 150,000 |
| Phoenix-Mesa-Scottsdale, AZ | 278 | $ 42,202,000 | $ 151,805 | $ 99,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 233 | $ 58,756,000 | $ 252,171 | $ 129,000 |
| Oakland-Fremont-Hayward, CA | 224 | $ 73,825,000 | $ 329,575 | $ 150,000 |
| Las Vegas-Paradise, NV | 127 | $ 24,354,000 | $ 191,763 | $ 75,000 |
| Stockton, CA | 96 | $ 25,371,000 | $ 264,281 | $ 114,000 |
| Seattle-Bellevue-Everett, WA | 94 | $ 20,617,000 | $ 219,329 | $ 83,000 |
| Modesto, CA | 91 | $ 21,674,000 | $ 238,175 | $ 113,000 |
| Bakersfield, CA | 81 | $ 14,150,000 | $ 174,691 | $ 84,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 79 | $ 24,373,000 | $ 308,518 | $ 124,000 |
| Fresno, CA | 78 | $ 12,893,000 | $ 165,294 | $ 97,000 |
| San Francisco-San Mateo-Redwood City, CA | 77 | $ 36,444,000 | $ 473,298 | $ 161,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 74 | $ 26,919,000 | $ 363,770 | $ 133,000 |
| Portland-Vancouver-Beaverton, OR-WA | 72 | $ 12,215,000 | $ 169,652 | $ 63,000 |
| Vallejo-Fairfield, CA | 68 | $ 20,014,000 | $ 294,323 | $ 149,000 |
| El Centro, CA | 67 | $ 10,071,000 | $ 150,313 | $ 85,000 |
| Tucson, AZ | 64 | $ 10,222,000 | $ 159,718 | $ 96,000 |
| Tacoma, WA | 57 | $ 10,247,000 | $ 179,771 | $ 53,000 |
| Reno-Sparks, NV | 49 | $ 11,536,000 | $ 235,428 | $ 77,000 |
| Denver-Aurora, CO | 48 | $ 8,171,000 | $ 170,229 | $ 60,000 |
| Santa Rosa-Petaluma, CA | 37 | $ 11,525,000 | $ 311,486 | $ 124,000 |
| Spokane, WA | 34 | $ 4,207,000 | $ 123,735 | $ 81,000 |
| Salem, OR | 33 | $ 3,770,000 | $ 114,242 | $ 78,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 32 | $ 12,636,000 | $ 394,875 | $ 111,000 |
| Visalia-Porterville, CA | 27 | $ 4,026,000 | $ 149,111 | $ 79,000 |
| Merced, CA | 19 | $ 3,915,000 | $ 206,052 | $ 117,000 |
| Salinas, CA | 19 | $ 6,709,000 | $ 353,105 | $ 138,000 |
| Colorado Springs, CO | 18 | $ 2,745,000 | $ 152,500 | $ 58,000 |
| Yuba City, CA | 17 | $ 3,625,000 | $ 213,235 | $ 89,000 |
| Bremerton-Silverdale, WA | 16 | $ 3,408,000 | $ 213,000 | $ 80,000 |
| Olympia, WA | 15 | $ 2,337,000 | $ 155,800 | $ 70,000 |
| Bellingham, WA | 13 | $ 2,699,000 | $ 207,615 | $ 69,000 |
| Eugene-Springfield, OR | 12 | $ 1,594,000 | $ 132,833 | $ 48,000 |
| San Luis Obispo-Paso Robles, CA | 12 | $ 4,062,000 | $ 338,500 | $ 89,000 |
| Napa, CA | 11 | $ 3,500,000 | $ 318,181 | $ 182,000 |
| Santa Cruz-Watsonville, CA | 10 | $ 3,697,000 | $ 369,700 | $ 195,000 |
| Yakima, WA | 10 | $ 1,148,000 | $ 114,800 | $ 65,000 |
| Chico, CA | 9 | $ 2,150,000 | $ 238,888 | $ 111,000 |
| Redding, CA | 8 | $ 1,400,000 | $ 175,000 | $ 118,000 |
| Prescott, AZ | 7 | $ 905,000 | $ 129,285 | $ 64,000 |
| Hanford-Corcoran, CA | 6 | $ 1,094,000 | $ 182,333 | $ 80,000 |
| Longview, WA | 6 | $ 1,339,000 | $ 223,166 | $ 116,000 |
| Madera, CA | 6 | $ 706,000 | $ 117,666 | $ 57,000 |
| Medford, OR | 5 | $ 913,000 | $ 182,600 | $ 55,000 |
| Mount Vernon-Anacortes, WA | 5 | $ 1,062,000 | $ 212,400 | $ 63,000 |
| Yuma, AZ | 4 | $ 572,000 | $ 143,000 | $ 67,000 |
| Carson City, NV | 3 | $ 642,000 | $ 214,000 | $ 81,000 |
| Greeley, CO | 3 | $ 565,000 | $ 188,333 | $ 85,000 |
| Pueblo, CO | 3 | $ 666,000 | $ 222,000 | $ 90,000 |
| Corvallis, OR | 2 | $ 265,000 | $ 132,500 | $ 71,000 |
| Fort Collins-Loveland, CO | 2 | $ 916,000 | $ 458,000 | $ 139,000 |
| Bend, OR | 1 | $ 445,000 | $ 445,000 | $ 144,000 |
| Boulder, CO | 1 | $ 51,000 | $ 51,000 | $ 61,000 |
| Flagstaff, AZ | 1 | $ 299,000 | $ 299,000 | $ 62,000 |
| Grand Junction, CO | 1 | $ 26,000 | $ 26,000 | $ 31,000 |
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
with aggregated HMDA statistics today.
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