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(HMDA) records Equity 1 Lenders Group filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | 679 | $ 192,572,000 | $ 283,611 | $ 142,000 |
| Riverside-San Bernardino-Ontario, CA | 443 | $ 105,571,000 | $ 238,309 | $ 124,000 |
| Los Angeles-Long Beach-Glendale, CA | 409 | $ 124,448,000 | $ 304,273 | $ 140,000 |
| Santa Ana-Anaheim-Irvine, CA | 149 | $ 47,947,000 | $ 321,791 | $ 172,000 |
| Phoenix-Mesa-Scottsdale, AZ | 146 | $ 26,336,000 | $ 180,383 | $ 93,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 108 | $ 24,879,000 | $ 230,361 | $ 137,000 |
| Oakland-Fremont-Hayward, CA | 103 | $ 33,782,000 | $ 327,980 | $ 178,000 |
| Seattle-Bellevue-Everett, WA | 84 | $ 17,709,000 | $ 210,821 | $ 94,000 |
| Portland-Vancouver-Beaverton, OR-WA | 69 | $ 10,478,000 | $ 151,855 | $ 77,173 |
| Las Vegas-Paradise, NV | 59 | $ 8,354,000 | $ 141,593 | $ 98,000 |
| Bakersfield, CA | 47 | $ 6,751,000 | $ 143,638 | $ 83,000 |
| Denver-Aurora, CO | 46 | $ 6,789,000 | $ 147,586 | $ 86,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 42 | $ 16,187,000 | $ 385,404 | $ 154,000 |
| Tacoma, WA | 40 | $ 5,229,000 | $ 130,725 | $ 69,000 |
| Modesto, CA | 37 | $ 7,035,000 | $ 190,135 | $ 96,000 |
| Tucson, AZ | 37 | $ 4,982,000 | $ 134,648 | $ 81,000 |
| San Francisco-San Mateo-Redwood City, CA | 33 | $ 13,162,000 | $ 398,848 | $ 145,000 |
| Stockton, CA | 32 | $ 7,078,000 | $ 221,187 | $ 111,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 31 | $ 10,463,000 | $ 337,516 | $ 172,000 |
| Fresno, CA | 28 | $ 3,818,000 | $ 136,357 | $ 93,000 |
| Colorado Springs, CO | 25 | $ 2,334,000 | $ 93,360 | $ 70,000 |
| Vallejo-Fairfield, CA | 23 | $ 7,439,000 | $ 323,434 | $ 139,000 |
| Santa Rosa-Petaluma, CA | 21 | $ 7,517,000 | $ 357,952 | $ 152,000 |
| Spokane, WA | 20 | $ 2,395,000 | $ 119,750 | $ 61,000 |
| Olympia, WA | 16 | $ 2,883,000 | $ 180,187 | $ 92,000 |
| Reno-Sparks, NV | 15 | $ 3,477,000 | $ 231,800 | $ 82,000 |
| Prescott, AZ | 14 | $ 2,055,000 | $ 146,785 | $ 71,000 |
| El Centro, CA | 13 | $ 1,886,000 | $ 145,076 | $ 99,000 |
| Santa Barbara-Santa Maria, CA | 13 | $ 4,091,000 | $ 314,692 | $ 109,000 |
| Detroit-Livonia-Dearborn, MI | 12 | $ 1,000,000 | $ 83,333 | $ 58,000 |
| Eugene-Springfield, OR | 12 | $ 1,389,000 | $ 115,750 | $ 53,000 |
| Boise City-Nampa, ID | 11 | $ 993,000 | $ 90,272 | $ 67,000 |
| Chico, CA | 11 | $ 2,028,000 | $ 184,363 | $ 90,000 |
| Greeley, CO | 11 | $ 2,568,000 | $ 233,454 | $ 117,000 |
| Salem, OR | 11 | $ 1,326,000 | $ 120,545 | $ 74,000 |
| Yuma, AZ | 11 | $ 1,690,000 | $ 153,636 | $ 99,000 |
| Salinas, CA | 10 | $ 3,955,000 | $ 395,500 | $ 101,000 |
| Medford, OR | 9 | $ 2,119,000 | $ 235,444 | $ 77,000 |
| Visalia-Porterville, CA | 9 | $ 1,473,000 | $ 163,666 | $ 115,000 |
| Bremerton-Silverdale, WA | 8 | $ 1,335,000 | $ 166,875 | $ 75,000 |
| Merced, CA | 8 | $ 1,616,000 | $ 202,000 | $ 90,000 |
| Warren-Troy-Farmington Hills, MI | 8 | $ 1,111,000 | $ 138,875 | $ 89,000 |
| Lewiston, ID-WA | 7 | $ 768,000 | $ 109,714 | $ 70,285 |
| Bellingham, WA | 6 | $ 1,142,000 | $ 190,333 | $ 91,000 |
| Flagstaff, AZ | 6 | $ 1,422,000 | $ 237,000 | $ 128,000 |
| Madera, CA | 6 | $ 1,066,000 | $ 177,666 | $ 97,000 |
| Wenatchee, WA | 6 | $ 891,000 | $ 148,500 | $ 89,000 |
| Ann Arbor, MI | 5 | $ 1,464,000 | $ 292,800 | $ 115,000 |
| Fort Collins-Loveland, CO | 5 | $ 328,000 | $ 65,600 | $ 63,000 |
| Grand Junction, CO | 4 | $ 628,000 | $ 157,000 | $ 59,000 |
| Kennewick-Richland-Pasco, WA | 4 | $ 289,000 | $ 72,250 | $ 78,000 |
| Bend, OR | 3 | $ 479,000 | $ 159,666 | $ 66,000 |
| Boulder, CO | 3 | $ 359,000 | $ 119,666 | $ 83,000 |
| Carson City, NV | 3 | $ 486,000 | $ 162,000 | $ 103,000 |
| Corvallis, OR | 3 | $ 477,000 | $ 159,000 | $ 145,000 |
| Flint, MI | 3 | $ 115,000 | $ 38,333 | $ 29,000 |
| Idaho Falls, ID | 3 | $ 350,000 | $ 116,666 | $ 73,000 |
| Longview, WA | 3 | $ 222,000 | $ 74,000 | $ 51,000 |
| Monroe, MI | 3 | $ 433,000 | $ 144,333 | $ 70,000 |
| Mount Vernon-Anacortes, WA | 3 | $ 534,000 | $ 178,000 | $ 75,000 |
| Redding, CA | 3 | $ 771,000 | $ 257,000 | $ 70,000 |
| San Luis Obispo-Paso Robles, CA | 3 | $ 965,000 | $ 321,666 | $ 117,000 |
| Yakima, WA | 3 | $ 402,000 | $ 134,000 | $ 86,000 |
| Coeur D'Alene, ID | 2 | $ 333,000 | $ 166,500 | $ 132,000 |
| Hanford-Corcoran, CA | 2 | $ 229,000 | $ 114,500 | $ 81,000 |
| Jackson, MI | 2 | $ 101,000 | $ 50,500 | $ 69,000 |
| Lansing-East Lansing, MI | 2 | $ 177,000 | $ 88,500 | $ 113,000 |
| Pueblo, CO | 2 | $ 122,000 | $ 61,000 | $ 85,000 |
| Santa Cruz-Watsonville, CA | 2 | $ 509,000 | $ 254,500 | $ 127,000 |
| Yuba City, CA | 2 | $ 256,000 | $ 128,000 | $ 95,000 |
| Grand Rapids-Wyoming, MI | 1 | $ 50,000 | $ 50,000 | $ 42,000 |
| Kalamazoo-Portage, MI | 1 | $ 29,000 | $ 29,000 | $ 0 |
| Napa, CA | 1 | $ 269,000 | $ 269,000 | $ 49,000 |
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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