Equity One Mortgage Lending & HMDA Data, 2008

In 2008, Equity One of Rosemont, IL reported 2,724 mortgage applications totaling $415.1 million, down 92% from 2007. The average application was for $152,399, and applicants reported an average income of $66,644. 17% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Philadelphia, PA (83), New York-White Plains-Wayne, NY-NJ (66) and Camden, NJ (63) (applications in parentheses).

Mortgage Company & Address Equity One
9600 West Bryn Mawr
Rosemont, IL 60018
Tel #: available with data download
Federal Regulator * available with data download
Years 2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 2,724
Total Mortgage Loan Application Amount $415,136,000
Average Mortgage Loan Application Amount $152,399
Highest Mortgage Loan Application Amount $1,500,000
Average Applicant Income $66,644
Highest Applicant Income $1,560,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Equity One filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for Equity One by County in 2008

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Cook, Illinois 50 $ 11,274,000 $ 225,480 $ 63,000
Philadelphia, Pennsylvania 50 $ 7,311,000 $ 146,220 $ 132,000
Camden, New Jersey 35 $ 4,989,000 $ 142,542 $ 84,000
Cumberland, North Carolina 35 $ 1,938,000 $ 55,371 $ 76,000
Maricopa, Arizona 34 $ 3,643,000 $ 107,147 $ 67,000
Prince George's, Maryland 28 $ 8,143,000 $ 290,821 $ 90,000
Allegheny, Pennsylvania 27 $ 1,794,000 $ 66,444 $ 74,000
Colleton, South Carolina 26 $ 2,092,000 $ 80,461 $ 51,000
Horry, South Carolina 26 $ 3,777,000 $ 145,269 $ 62,000
Suffolk, New York 23 $ 6,785,000 $ 295,000 $ 103,000
Queens, New York 22 $ 8,518,000 $ 387,181 $ 88,000
Wake, North Carolina 22 $ 3,711,000 $ 168,681 $ 51,000
Los Angeles, California 20 $ 8,235,000 $ 411,750 $ 118,000
Rockingham, New Hampshire 20 $ 1,798,000 $ 89,900 $ 55,000
Chesterfield, Virginia 20 $ 2,443,000 $ 122,150 $ 70,000
Mecklenburg, North Carolina 18 $ 2,968,000 $ 164,888 $ 71,000
York, Pennsylvania 17 $ 1,670,000 $ 98,235 $ 50,000
Baltimore City, Maryland 15 $ 1,723,000 $ 114,866 $ 77,000
Catawba, North Carolina 15 $ 1,014,000 $ 67,600 $ 54,000
Charleston, South Carolina 15 $ 1,438,000 $ 95,866 $ 69,000
Virginia Beach, Virginia 15 $ 2,263,000 $ 150,866 $ 65,000
Duval, Florida 14 $ 1,704,000 $ 121,714 $ 61,000
Orange, Florida 14 $ 2,573,000 $ 183,785 $ 57,000
Polk, Florida 14 $ 1,261,000 $ 90,071 $ 49,000
Burlington, New Jersey 14 $ 2,767,000 $ 197,642 $ 74,000
Gloucester, New Jersey 14 $ 1,552,000 $ 110,857 $ 65,000
Onslow, North Carolina 14 $ 1,175,000 $ 83,928 $ 64,000
Darlington, South Carolina 14 $ 609,000 $ 43,500 $ 39,000
Chesapeake, Virginia 14 $ 2,184,000 $ 156,000 $ 72,000
Atlantic, New Jersey 13 $ 2,742,000 $ 210,923 $ 58,000
New Hanover, North Carolina 13 $ 3,057,000 $ 235,153 $ 104,000
Lehigh, Pennsylvania 13 $ 1,200,000 $ 92,307 $ 57,000
Buncombe, North Carolina 12 $ 1,715,000 $ 142,916 $ 46,000
Forsyth, North Carolina 12 $ 1,053,000 $ 87,750 $ 63,000
Guilford, North Carolina 12 $ 1,872,000 $ 156,000 $ 136,000
Pender, North Carolina 12 $ 1,306,000 $ 108,833 $ 58,000
Robeson, North Carolina 12 $ 712,000 $ 59,333 $ 45,000
Henrico, Virginia 12 $ 1,474,000 $ 122,833 $ 47,000
Pittsylvania, Virginia 12 $ 794,000 $ 66,166 $ 42,000
Rockingham, Virginia 12 $ 1,147,000 $ 95,583 $ 52,000
Pima, Arizona 11 $ 1,323,000 $ 120,272 $ 43,000
New Castle, Delaware 11 $ 2,173,000 $ 197,545 $ 62,000
Broward, Florida 11 $ 2,426,000 $ 220,545 $ 97,000
Miami-Dade, Florida 11 $ 2,908,000 $ 264,363 $ 108,000
St. Louis, Missouri 11 $ 1,262,000 $ 114,727 $ 42,000
Brunswick, North Carolina 11 $ 1,345,000 $ 122,272 $ 72,000
Columbus, North Carolina 11 $ 626,000 $ 56,909 $ 41,000
Pitt, North Carolina 11 $ 838,000 $ 76,181 $ 53,000
Montgomery, Tennessee 11 $ 540,000 $ 49,090 $ 37,000
Marion, Florida 10 $ 1,530,000 $ 153,000 $ 56,000
Pinellas, Florida 10 $ 1,470,000 $ 147,000 $ 51,000
Jackson, Missouri 10 $ 1,224,000 $ 122,400 $ 49,000
Kings, New York 10 $ 4,657,000 $ 465,700 $ 102,000
Durham, North Carolina 10 $ 945,000 $ 94,500 $ 44,000
Luzerne, Pennsylvania 10 $ 852,000 $ 85,200 $ 46,000
Davidson, Tennessee 10 $ 1,176,000 $ 117,600 $ 56,000
Hartford, Connecticut 9 $ 1,684,000 $ 187,111 $ 71,000
New Haven, Connecticut 9 $ 2,191,000 $ 243,444 $ 66,000
Hillsborough, Florida 9 $ 2,132,000 $ 236,888 $ 110,000
Palm Beach, Florida 9 $ 1,720,000 $ 191,111 $ 81,000
Anne Arundel, Maryland 9 $ 2,158,000 $ 239,777 $ 87,000
Cumberland, New Jersey 9 $ 1,490,000 $ 165,555 $ 61,000
Essex, New Jersey 9 $ 1,992,000 $ 221,333 $ 65,000
Monmouth, New Jersey 9 $ 2,276,000 $ 252,888 $ 63,000
Craven, North Carolina 9 $ 565,000 $ 62,777 $ 63,000
Davidson, North Carolina 9 $ 776,000 $ 86,222 $ 38,000
Franklin, Ohio 9 $ 1,090,000 $ 121,111 $ 64,000
Chester, Pennsylvania 9 $ 2,443,000 $ 271,444 $ 90,000
Montgomery, Pennsylvania 9 $ 1,828,000 $ 203,111 $ 89,000
Florence, South Carolina 9 $ 750,000 $ 83,333 $ 77,000
Georgetown, South Carolina 9 $ 638,000 $ 70,888 $ 36,000
Riverside, California 8 $ 2,384,000 $ 298,000 $ 67,000
Marion, Indiana 8 $ 875,000 $ 109,375 $ 28,000
Merrimack, New Hampshire 8 $ 654,000 $ 81,750 $ 45,000
Bronx, New York 8 $ 3,426,000 $ 428,250 $ 67,000
Nassau, New York 8 $ 2,858,000 $ 357,250 $ 94,000
Westchester, New York 8 $ 3,423,000 $ 427,875 $ 89,000
Gaston, North Carolina 8 $ 704,000 $ 88,000 $ 52,000
Vance, North Carolina 8 $ 437,000 $ 54,625 $ 45,000
Bucks, Pennsylvania 8 $ 1,508,000 $ 188,500 $ 91,000
Greenville, South Carolina 8 $ 539,000 $ 67,375 $ 46,000
Fairfield, Connecticut 7 $ 4,049,000 $ 578,428 $ 204,000
DeKalb, Georgia 7 $ 976,000 $ 139,428 $ 40,000
Baltimore, Maryland 7 $ 1,287,000 $ 183,857 $ 84,000
Calvert, Maryland 7 $ 1,892,000 $ 270,285 $ 87,000
Wayne, Michigan 7 $ 652,000 $ 93,142 $ 36,000
Hillsborough, New Hampshire 7 $ 1,012,000 $ 144,571 $ 71,000
Strafford, New Hampshire 7 $ 1,156,000 $ 165,142 $ 69,000
Edgecombe, North Carolina 7 $ 435,000 $ 62,142 $ 44,000
McDowell, North Carolina 7 $ 395,000 $ 56,428 $ 44,000
Nash, North Carolina 7 $ 684,000 $ 97,714 $ 40,000
Surry, North Carolina 7 $ 466,000 $ 66,571 $ 41,000
Berks, Pennsylvania 7 $ 1,198,000 $ 171,142 $ 60,000
Carbon, Pennsylvania 7 $ 488,000 $ 69,714 $ 49,000
Dauphin, Pennsylvania 7 $ 783,000 $ 111,857 $ 58,000
Delaware, Pennsylvania 7 $ 881,000 $ 125,857 $ 62,000
Northampton, Pennsylvania 7 $ 898,000 $ 128,285 $ 77,000
Westmoreland, Pennsylvania 7 $ 321,000 $ 45,857 $ 47,000
Berkeley, South Carolina 7 $ 537,000 $ 76,714 $ 85,000
Washington, Tennessee 7 $ 409,000 $ 58,428 $ 32,000
Prince William, Virginia 7 $ 1,861,000 $ 265,857 $ 98,000
Richmond City, Virginia 7 $ 448,000 $ 64,000 $ 56,000
Milwaukee, Wisconsin 7 $ 1,208,000 $ 172,571 $ 79,000
Sussex, Delaware 6 $ 1,417,000 $ 236,166 $ 104,000
Fulton, Georgia 6 $ 1,286,000 $ 214,333 $ 120,000
Frederick, Maryland 6 $ 740,000 $ 123,333 $ 96,000
Plymouth, Massachusetts 6 $ 1,401,000 $ 233,500 $ 80,000
Cape May, New Jersey 6 $ 805,000 $ 134,166 $ 47,000
Hudson, New Jersey 6 $ 1,949,000 $ 324,833 $ 120,000
Mercer, New Jersey 6 $ 1,261,000 $ 210,166 $ 98,000
Ocean, New Jersey 6 $ 1,925,000 $ 320,833 $ 167,000
Bernalillo, New Mexico 6 $ 739,000 $ 123,166 $ 69,000
Rockingham, North Carolina 6 $ 909,000 $ 151,500 $ 59,000
Union, North Carolina 6 $ 615,000 $ 102,500 $ 44,000
Lake, Ohio 6 $ 806,000 $ 134,333 $ 60,000
Blair, Pennsylvania 6 $ 484,000 $ 80,666 $ 39,000
Erie, Pennsylvania 6 $ 497,000 $ 82,833 $ 141,000
Fayette, Pennsylvania 6 $ 436,000 $ 72,666 $ 51,000
Franklin, Pennsylvania 6 $ 369,000 $ 61,500 $ 52,000
Lackawanna, Pennsylvania 6 $ 759,000 $ 126,500 $ 70,000
Lycoming, Pennsylvania 6 $ 294,000 $ 49,000 $ 43,000
Monroe, Pennsylvania 6 $ 1,357,000 $ 226,166 $ 106,000
Schuylkill, Pennsylvania 6 $ 717,000 $ 119,500 $ 55,000
Anderson, South Carolina 6 $ 240,000 $ 40,000 $ 28,000
Dillon, South Carolina 6 $ 385,000 $ 64,166 $ 36,000
Dorchester, South Carolina 6 $ 707,000 $ 117,833 $ 70,000
Richland, South Carolina 6 $ 1,268,000 $ 211,333 $ 92,000
Blount, Tennessee 6 $ 512,000 $ 85,333 $ 66,000
Jefferson, Tennessee 6 $ 341,000 $ 56,833 $ 36,000
Knox, Tennessee 6 $ 722,000 $ 120,333 $ 49,000
Shelby, Tennessee 6 $ 684,000 $ 114,000 $ 77,000
Accomack, Virginia 6 $ 609,000 $ 101,500 $ 51,000
Greene, Virginia 6 $ 535,000 $ 89,166 $ 61,000
Roanoke City, Virginia 6 $ 349,000 $ 58,166 $ 23,000
Fresno, California 5 $ 1,136,000 $ 227,200 $ 46,000
San Diego, California 5 $ 1,944,000 $ 388,800 $ 120,000
Collier, Florida 5 $ 1,080,000 $ 216,000 $ 54,000
Lake, Florida 5 $ 980,000 $ 196,000 $ 47,000
Chatham, Georgia 5 $ 828,000 $ 165,600 $ 82,000
Gwinnett, Georgia 5 $ 1,021,000 $ 204,200 $ 78,000
Lake, Indiana 5 $ 563,000 $ 112,600 $ 60,000
Montgomery, Maryland 5 $ 1,415,000 $ 283,000 $ 112,000
Wicomico, Maryland 5 $ 531,000 $ 106,200 $ 55,000
Essex, Massachusetts 5 $ 1,080,000 $ 216,000 $ 138,000
Suffolk, Massachusetts 5 $ 1,123,000 $ 224,600 $ 67,000
Worcester, Massachusetts 5 $ 902,000 $ 180,400 $ 133,000
Kent, Michigan 5 $ 649,000 $ 129,800 $ 59,000
Macomb, Michigan 5 $ 973,000 $ 194,600 $ 62,000
Oakland, Michigan 5 $ 1,241,000 $ 248,200 $ 60,000
Cheshire, New Hampshire 5 $ 503,000 $ 100,600 $ 47,000
Bergen, New Jersey 5 $ 1,213,000 $ 242,600 $ 139,000
Somerset, New Jersey 5 $ 1,673,000 $ 334,600 $ 119,000
Caldwell, North Carolina 5 $ 220,000 $ 44,000 $ 29,000
Hertford, North Carolina 5 $ 266,000 $ 53,200 $ 67,000
Iredell, North Carolina 5 $ 506,000 $ 101,200 $ 45,000
Lincoln, North Carolina 5 $ 772,000 $ 154,400 $ 61,000
Sampson, North Carolina 5 $ 320,000 $ 64,000 $ 45,000
Stanly, North Carolina 5 $ 328,000 $ 65,600 $ 27,000
Lucas, Ohio 5 $ 409,000 $ 81,800 $ 39,000
Lancaster, Pennsylvania 5 $ 540,000 $ 108,000 $ 41,000
Washington, Pennsylvania 5 $ 515,000 $ 103,000 $ 66,000
Greenwood, South Carolina 5 $ 148,000 $ 29,600 $ 29,000
Lexington, South Carolina 5 $ 629,000 $ 125,800 $ 37,000
Spartanburg, South Carolina 5 $ 251,000 $ 50,200 $ 45,000
Williamsburg, South Carolina 5 $ 375,000 $ 75,000 $ 40,000
Rutherford, Tennessee 5 $ 622,000 $ 124,400 $ 49,000
Augusta, Virginia 5 $ 644,000 $ 128,800 $ 50,000
Norfolk, Virginia 5 $ 759,000 $ 151,800 $ 43,000
Northumberland, Virginia 5 $ 379,000 $ 75,800 $ 32,000
Prince Edward, Virginia 5 $ 530,000 $ 106,000 $ 73,000
Westmoreland, Virginia 5 $ 204,000 $ 40,800 $ 52,000
Sacramento, California 4 $ 1,074,000 $ 268,500 $ 75,000
San Bernardino, California 4 $ 955,000 $ 238,750 $ 44,000
Ventura, California 4 $ 1,664,000 $ 416,000 $ 95,000
El Paso, Colorado 4 $ 609,000 $ 152,250 $ 75,000
Middlesex, Connecticut 4 $ 965,000 $ 241,250 $ 150,000
Manatee, Florida 4 $ 1,240,000 $ 310,000 $ 66,000
Seminole, Florida 4 $ 485,000 $ 121,250 $ 40,000
McHenry, Illinois 4 $ 870,000 $ 217,500 $ 64,000
Woodbury, Iowa 4 $ 360,000 $ 90,000 $ 61,000
Sedgwick, Kansas 4 $ 377,000 $ 94,250 $ 60,000
Jefferson, Kentucky 4 $ 534,000 $ 133,500 $ 73,000
Cumberland, Maine 4 $ 1,510,000 $ 377,500 $ 104,000
York, Maine 4 $ 784,000 $ 196,000 $ 125,000
Carroll, Maryland 4 $ 767,000 $ 191,750 $ 64,000
Bristol, Massachusetts 4 $ 747,000 $ 186,750 $ 50,000
Middlesex, Massachusetts 4 $ 817,000 $ 204,250 $ 63,000
St. Louis City, Missouri 4 $ 467,000 $ 116,750 $ 76,000
Lancaster, Nebraska 4 $ 491,000 $ 122,750 $ 88,000
Middlesex, New Jersey 4 $ 914,000 $ 228,500 $ 86,000
Union, New Jersey 4 $ 802,000 $ 200,500 $ 73,000
Erie, New York 4 $ 328,000 $ 82,000 $ 82,000
Orange, New York 4 $ 1,088,000 $ 272,000 $ 66,000
Granville, North Carolina 4 $ 359,000 $ 89,750 $ 52,000
Halifax, North Carolina 4 $ 622,000 $ 155,500 $ 72,000
Hoke, North Carolina 4 $ 162,000 $ 40,500 $ 44,000
Johnston, North Carolina 4 $ 513,000 $ 128,250 $ 70,000
Moore, North Carolina 4 $ 184,000 $ 46,000 $ 46,000
Rowan, North Carolina 4 $ 264,000 $ 66,000 $ 65,000
Wayne, North Carolina 4 $ 268,000 $ 67,000 $ 51,000
Wilson, North Carolina 4 $ 296,000 $ 74,000 $ 56,000
Yadkin, North Carolina 4 $ 164,000 $ 41,000 $ 50,000
Cuyahoga, Ohio 4 $ 584,000 $ 146,000 $ 107,000
Clackamas, Oregon 4 $ 1,026,000 $ 256,500 $ 108,000
Marion, Oregon 4 $ 49,000 $ 12,250 $ 87,000
Multnomah, Oregon 4 $ 877,000 $ 219,250 $ 50,000
Beaver, Pennsylvania 4 $ 711,000 $ 177,750 $ 90,000
Lebanon, Pennsylvania 4 $ 326,000 $ 81,500 $ 51,000
Mercer, Pennsylvania 4 $ 465,000 $ 116,250 $ 75,000
Kershaw, South Carolina 4 $ 324,000 $ 81,000 $ 38,000
Orangeburg, South Carolina 4 $ 229,000 $ 57,250 $ 62,000
Minnehaha, South Dakota 4 $ 525,000 $ 131,250 $ 50,000
Chittenden, Vermont 4 $ 495,000 $ 123,750 $ 43,000
Fairfax, Virginia 4 $ 1,492,000 $ 373,000 $ 76,000
Frederick, Virginia 4 $ 423,000 $ 105,750 $ 47,000
Nelson, Virginia 4 $ 743,000 $ 185,750 $ 74,000
Shenandoah, Virginia 4 $ 525,000 $ 131,250 $ 42,000
Stafford, Virginia 4 $ 700,000 $ 175,000 $ 79,000
King, Washington 4 $ 1,141,000 $ 285,250 $ 81,000
Jefferson, Alabama 3 $ 327,000 $ 109,000 $ 64,000
Yuma, Arizona 3 $ 376,000 $ 125,333 $ 48,000
Butte, California 3 $ 1,067,000 $ 355,666 $ 60,000
Kern, California 3 $ 560,000 $ 186,666 $ 80,000
Orange, California 3 $ 1,744,000 $ 581,333 $ 170,000
San Joaquin, California 3 $ 804,000 $ 268,000 $ 52,000
Tulare, California 3 $ 550,000 $ 183,333 $ 61,000
Adams, Colorado 3 $ 463,000 $ 154,333 $ 55,000
Litchfield, Connecticut 3 $ 776,000 $ 258,666 $ 56,000
Brevard, Florida 3 $ 532,000 $ 177,333 $ 100,000
Charlotte, Florida 3 $ 459,000 $ 153,000 $ 30,000
Citrus, Florida 3 $ 315,000 $ 105,000 $ 69,000
Pasco, Florida 3 $ 504,000 $ 168,000 $ 75,000
Santa Rosa, Florida 3 $ 411,000 $ 137,000 $ 36,000
Volusia, Florida 3 $ 390,000 $ 130,000 $ 62,000
Cherokee, Georgia 3 $ 461,000 $ 153,666 $ 71,000
Clayton, Georgia 3 $ 607,000 $ 202,333 $ 113,000
Cobb, Georgia 3 $ 703,000 $ 234,333 $ 57,000
Henry, Georgia 3 $ 544,000 $ 181,333 $ 65,000
Bonner, Idaho 3 $ 470,000 $ 156,666 $ 66,000
Canyon, Idaho 3 $ 384,000 $ 128,000 $ 54,000
Allen, Indiana 3 $ 371,000 $ 123,666 $ 60,000
Madison, Indiana 3 $ 240,000 $ 80,000 $ 48,000
Monroe, Indiana 3 $ 328,000 $ 109,333 $ 70,000
Porter, Indiana 3 $ 459,000 $ 153,000 $ 96,000
St. Joseph, Indiana 3 $ 254,000 $ 84,666 $ 47,000
Pottawattamie, Iowa 3 $ 256,000 $ 85,333 $ 37,000
Johnson, Kansas 3 $ 774,000 $ 258,000 $ 94,000
Laurel, Kentucky 3 $ 371,000 $ 123,666 $ 57,000
Waldo, Maine 3 $ 387,000 $ 129,000 $ 55,000
Charles, Maryland 3 $ 929,000 $ 309,666 $ 65,000
Harford, Maryland 3 $ 672,000 $ 224,000 $ 73,000
Douglas, Nebraska 3 $ 202,000 $ 67,333 $ 39,000
Carroll, New Hampshire 3 $ 657,000 $ 219,000 $ 58,000
Morris, New Jersey 3 $ 855,000 $ 285,000 $ 72,000
Passaic, New Jersey 3 $ 998,000 $ 332,666 $ 92,000
Monroe, New York 3 $ 548,000 $ 182,666 $ 108,000
Bladen, North Carolina 3 $ 399,000 $ 133,000 $ 68,000
Carteret, North Carolina 3 $ 234,000 $ 78,000 $ 47,000
Caswell, North Carolina 3 $ 368,000 $ 122,666 $ 54,000
Dare, North Carolina 3 $ 1,079,000 $ 359,666 $ 39,000
Duplin, North Carolina 3 $ 187,000 $ 62,333 $ 56,000
Henderson, North Carolina 3 $ 363,000 $ 121,000 $ 33,000
Martin, North Carolina 3 $ 159,000 $ 53,000 $ 46,000
Hamilton, Ohio 3 $ 515,000 $ 171,666 $ 110,000
Lorain, Ohio 3 $ 832,000 $ 277,333 $ 89,000
Adams, Pennsylvania 3 $ 474,000 $ 158,000 $ 46,000
Armstrong, Pennsylvania 3 $ 250,000 $ 83,333 $ 37,000
Columbia, Pennsylvania 3 $ 250,000 $ 83,333 $ 58,000
Cumberland, Pennsylvania 3 $ 188,000 $ 62,666 $ 60,000
Indiana, Pennsylvania 3 $ 227,000 $ 75,666 $ 60,000
Mifflin, Pennsylvania 3 $ 390,000 $ 130,000 $ 55,000
Montour, Pennsylvania 3 $ 174,000 $ 58,000 $ 45,000
Kent, Rhode Island 3 $ 464,000 $ 154,666 $ 56,000
Providence, Rhode Island 3 $ 766,000 $ 255,333 $ 68,000
Hampton, South Carolina 3 $ 226,000 $ 75,333 $ 49,000
Sumter, South Carolina 3 $ 359,000 $ 119,666 $ 74,000
Hawkins, Tennessee 3 $ 166,000 $ 55,333 $ 64,000
Salt Lake, Utah 3 $ 458,000 $ 152,666 $ 48,000
Albemarle, Virginia 3 $ 627,000 $ 209,000 $ 73,000
Caroline, Virginia 3 $ 509,000 $ 169,666 $ 91,000
Cumberland, Virginia 3 $ 223,000 $ 74,333 $ 34,000
Gloucester, Virginia 3 $ 310,000 $ 103,333 $ 56,000
Goochland, Virginia 3 $ 1,150,000 $ 383,333 $ 96,000
Hampton, Virginia 3 $ 358,000 $ 119,333 $ 75,000
Lynchburg, Virginia 3 $ 453,000 $ 151,000 $ 45,000
Montgomery, Virginia 3 $ 280,000 $ 93,333 $ 50,000
Newport News, Virginia 3 $ 457,000 $ 152,333 $ 49,000
Northampton, Virginia 3 $ 181,000 $ 60,333 $ 59,000
Nottoway, Virginia 3 $ 181,000 $ 60,333 $ 36,000
Clark, Washington 3 $ 898,000 $ 299,333 $ 130,000
Pierce, Washington 3 $ 743,000 $ 247,666 $ 101,000
Spokane, Washington 3 $ 333,000 $ 111,000 $ 58,000
Waukesha, Wisconsin 3 $ 603,000 $ 201,000 $ 27,000
Pinal, Arizona 2 $ 219,000 $ 109,500 $ 38,000
Pulaski, Arkansas 2 $ 244,000 $ 122,000 $ 10,000
Madera, California 2 $ 385,000 $ 192,500 $ 99,000
Mendocino, California 2 $ 427,000 $ 213,500 $ 47,000
Santa Clara, California 2 $ 815,000 $ 407,500 $ 160,000
Solano, California 2 $ 575,000 $ 287,500 $ 74,000
Stanislaus, California 2 $ 405,000 $ 202,500 $ 68,000
Archuleta, Colorado 2 $ 392,000 $ 196,000 $ 42,000
Denver, Colorado 2 $ 236,000 $ 118,000 $ 89,000
Kent, Delaware 2 $ 296,000 $ 148,000 $ 62,000
Clay, Florida 2 $ 368,000 $ 184,000 $ 71,000
Columbia, Florida 2 $ 128,000 $ 64,000 $ 13,000
Escambia, Florida 2 $ 201,000 $ 100,500 $ 27,000
Gadsden, Florida 2 $ 787,000 $ 393,500 $ 40,000
Hernando, Florida 2 $ 258,000 $ 129,000 $ 35,000
Lee, Florida 2 $ 294,000 $ 147,000 $ 43,000
Nassau, Florida 2 $ 194,000 $ 97,000 $ 40,000
Osceola, Florida 2 $ 385,000 $ 192,500 $ 78,000
Douglas, Georgia 2 $ 239,000 $ 119,500 $ 76,000
Emanuel, Georgia 2 $ 195,000 $ 97,500 $ 35,000
Glynn, Georgia 2 $ 264,000 $ 132,000 $ 50,000
Paulding, Georgia 2 $ 330,000 $ 165,000 $ 23,000
Toombs, Georgia 2 $ 383,000 $ 191,500 $ 111,000
Clay, Illinois 2 $ 161,000 $ 80,500 $ 14,000
DuPage, Illinois 2 $ 532,000 $ 266,000 $ 110,000
Kane, Illinois 2 $ 810,000 $ 405,000 $ 240,000
Lake, Illinois 2 $ 771,000 $ 385,500 $ 173,000
Ogle, Illinois 2 $ 234,000 $ 117,000 $ 105,000
Will, Illinois 2 $ 658,000 $ 329,000 $ 81,000
Clark, Indiana 2 $ 213,000 $ 106,500 $ 51,000
Dearborn, Indiana 2 $ 288,000 $ 144,000 $ 56,000
Delaware, Indiana 2 $ 311,000 $ 155,500 $ 86,000
Kosciusko, Indiana 2 $ 359,000 $ 179,500 $ 87,000
Polk, Iowa 2 $ 344,000 $ 172,000 $ 81,000
Jefferson, Kansas 2 $ 387,000 $ 193,500 $ 68,000
Wyandotte, Kansas 2 $ 301,000 $ 150,500 $ 100,000
Calloway, Kentucky 2 $ 458,000 $ 229,000 $ 126,000
Franklin, Kentucky 2 $ 183,000 $ 91,500 $ 48,000
Knox, Kentucky 2 $ 174,000 $ 87,000 $ 50,000
Madison, Kentucky 2 $ 208,000 $ 104,000 $ 43,000
Magoffin, Kentucky 2 $ 159,000 $ 79,500 $ 64,000
Pulaski, Kentucky 2 $ 138,000 $ 69,000 $ 27,000
Rockcastle, Kentucky 2 $ 179,000 $ 89,500 $ 83,000
Taylor, Kentucky 2 $ 26,000 $ 13,000 $ 49,000
Dorchester, Maryland 2 $ 63,000 $ 31,500 $ 27,000
Howard, Maryland 2 $ 464,000 $ 232,000 $ 55,000
Barry, Michigan 2 $ 282,000 $ 141,000 $ 53,000
St. Clair, Michigan 2 $ 313,000 $ 156,500 $ 44,000
Anoka, Minnesota 2 $ 302,000 $ 151,000 $ 139,000
Hennepin, Minnesota 2 $ 483,000 $ 241,500 $ 88,000
Buchanan, Missouri 2 $ 273,000 $ 136,500 $ 60,000
Clay, Missouri 2 $ 214,000 $ 107,000 $ 47,000
Flathead, Montana 2 $ 453,000 $ 226,500 $ 57,000
Missoula, Montana 2 $ 411,000 $ 205,500 $ 73,000
Hall, Nebraska 2 $ 198,000 $ 99,000 $ 63,000
Saunders, Nebraska 2 $ 278,000 $ 139,000 $ 46,000
Belknap, New Hampshire 2 $ 167,000 $ 83,500 $ 55,000
Grafton, New Hampshire 2 $ 312,000 $ 156,000 $ 103,000
Dona Ana, New Mexico 2 $ 286,000 $ 143,000 $ 70,000
Otero, New Mexico 2 $ 485,000 $ 242,500 $ 98,000
Oneida, New York 2 $ 276,000 $ 138,000 $ 52,000
Onondaga, New York 2 $ 240,000 $ 120,000 $ 62,000
Rensselaer, New York 2 $ 630,000 $ 315,000 $ 222,000
Richmond, New York 2 $ 540,000 $ 270,000 $ 94,000
Steuben, New York 2 $ 226,000 $ 113,000 $ 83,000
Washington, New York 2 $ 249,000 $ 124,500 $ 69,000
Alamance, North Carolina 2 $ 285,000 $ 142,500 $ 65,000
Anson, North Carolina 2 $ 101,000 $ 50,500 $ 20,000
Burke, North Carolina 2 $ 198,000 $ 99,000 $ 64,000
Cabarrus, North Carolina 2 $ 195,000 $ 97,500 $ 25,000
Cleveland, North Carolina 2 $ 24,000 $ 12,000 $ 66,000
Davie, North Carolina 2 $ 167,000 $ 83,500 $ 51,000
Perquimans, North Carolina 2 $ 440,000 $ 220,000 $ 66,000
Randolph, North Carolina 2 $ 160,000 $ 80,000 $ 32,000
Richmond, North Carolina 2 $ 59,000 $ 29,500 $ 30,000
Scotland, North Carolina 2 $ 204,000 $ 102,000 $ 41,000
Stokes, North Carolina 2 $ 188,000 $ 94,000 $ 48,000
Warren, North Carolina 2 $ 118,000 $ 59,000 $ 60,000
Cass, North Dakota 2 $ 318,000 $ 159,000 $ 61,000
Walsh, North Dakota 2 $ 173,000 $ 86,500 $ 16,000
Ward, North Dakota 2 $ 202,000 $ 101,000 $ 38,000
Mahoning, Ohio 2 $ 169,000 $ 84,500 $ 30,000
Montgomery, Ohio 2 $ 131,000 $ 65,500 $ 31,000
Morrow, Ohio 2 $ 107,000 $ 53,500 $ 27,000
Pickaway, Ohio 2 $ 66,000 $ 33,000 $ 25,000
Richland, Ohio 2 $ 140,000 $ 70,000 $ 36,000
Stark, Ohio 2 $ 528,000 $ 264,000 $ 25,000
Summit, Ohio 2 $ 315,000 $ 157,500 $ 43,000
Oklahoma, Oklahoma 2 $ 180,000 $ 90,000 $ 101,000
Tulsa, Oklahoma 2 $ 244,000 $ 122,000 $ 82,000
Columbia, Oregon 2 $ 457,000 $ 228,500 $ 104,000
Lane, Oregon 2 $ 543,000 $ 271,500 $ 78,000
Yamhill, Oregon 2 $ 298,000 $ 149,000 $ 42,000
Butler, Pennsylvania 2 $ 378,000 $ 189,000 $ 76,000
Crawford, Pennsylvania 2 $ 84,000 $ 42,000 $ 18,000
Greene, Pennsylvania 2 $ 33,000 $ 16,500 $ 64,000
Lawrence, Pennsylvania 2 $ 193,000 $ 96,500 $ 91,000
Perry, Pennsylvania 2 $ 246,000 $ 123,000 $ 82,000
Pike, Pennsylvania 2 $ 229,000 $ 114,500 $ 62,000
Somerset, Pennsylvania 2 $ 87,000 $ 43,500 $ 59,000
Susquehanna, Pennsylvania 2 $ 302,000 $ 151,000 $ 69,000
Abbeville, South Carolina 2 $ 48,000 $ 24,000 $ 50,000
Bamberg, South Carolina 2 $ 49,000 $ 24,500 $ 63,000
Chesterfield, South Carolina 2 $ 29,000 $ 14,500 $ 18,000
Lee, South Carolina 2 $ 77,000 $ 38,500 $ 24,000
Marlboro, South Carolina 2 $ 75,000 $ 37,500 $ 25,000
Pickens, South Carolina 2 $ 128,000 $ 64,000 $ 45,000
Clay, South Dakota 2 $ 306,000 $ 153,000 $ 84,000
Davison, South Dakota 2 $ 200,000 $ 100,000 $ 47,000
Lincoln, South Dakota 2 $ 615,000 $ 307,500 $ 78,000
Turner, South Dakota 2 $ 165,000 $ 82,500 $ 51,000
Grainger, Tennessee 2 $ 165,000 $ 82,500 $ 50,000
Maury, Tennessee 2 $ 79,000 $ 39,500 $ 60,000
McMinn, Tennessee 2 $ 144,000 $ 72,000 $ 50,000
Smith, Tennessee 2 $ 209,000 $ 104,500 $ 61,000
Utah, Utah 2 $ 477,000 $ 238,500 $ 111,000
Alexandria, Virginia 2 $ 485,000 $ 242,500 $ 52,000
Amelia, Virginia 2 $ 493,000 $ 246,500 $ 83,000
Bedford, Virginia 2 $ 323,000 $ 161,500 $ 96,000
Botetourt, Virginia 2 $ 271,000 $ 135,500 $ 59,000
Buena Vista, Virginia 2 $ 112,000 $ 56,000 $ 48,000
Charlotte, Virginia 2 $ 212,000 $ 106,000 $ 47,000
Dinwiddie, Virginia 2 $ 206,000 $ 103,000 $ 42,000
Essex, Virginia 2 $ 322,000 $ 161,000 $ 35,000
Fluvanna, Virginia 2 $ 198,000 $ 99,000 $ 46,000
Hanover, Virginia 2 $ 225,000 $ 112,500 $ 49,000
Henry, Virginia 2 $ 191,000 $ 95,500 $ 32,000
King George, Virginia 2 $ 634,000 $ 317,000 $ 151,000
Louisa, Virginia 2 $ 140,000 $ 70,000 $ 28,000
Madison, Virginia 2 $ 381,000 $ 190,500 $ 72,000
New Kent, Virginia 2 $ 494,000 $ 247,000 $ 42,000
Page, Virginia 2 $ 86,000 $ 43,000 $ 47,000
Petersburg, Virginia 2 $ 132,000 $ 66,000 $ 43,000
Portsmouth, Virginia 2 $ 192,000 $ 96,000 $ 41,000
Salem, Virginia 2 $ 282,000 $ 141,000 $ 38,000
Spotsylvania, Virginia 2 $ 315,000 $ 157,500 $ 70,000
Suffolk, Virginia 2 $ 93,000 $ 46,500 $ 23,000
Winchester, Virginia 2 $ 351,000 $ 175,500 $ 59,000
Douglas, Washington 2 $ 241,000 $ 120,500 $ 43,000
Snohomish, Washington 2 $ 1,305,000 $ 652,500 $ 174,000
Thurston, Washington 2 $ 401,000 $ 200,500 $ 69,000
Fond du Lac, Wisconsin 2 $ 816,000 $ 408,000 $ 186,000
Oneida, Wisconsin 2 $ 273,000 $ 136,500 $ 59,000
Walworth, Wisconsin 2 $ 302,000 $ 151,000 $ 63,000
La Paz, Arizona 1 $ 138,000 $ 138,000 $ 74,000
Mohave, Arizona 1 $ 130,000 $ 130,000 $ 44,000
Navajo, Arizona 1 $ 114,000 $ 114,000 $ 38,000
Alameda, California 1 $ 247,000 $ 247,000 $ 86,000
Contra Costa, California 1 $ 518,000 $ 518,000 $ 169,000
Lake, California 1 $ 150,000 $ 150,000 $ 15,000
Monterey, California 1 $ 310,000 $ 310,000 $ 156,000
Nevada, California 1 $ 386,000 $ 386,000 $ 144,000
Placer, California 1 $ 289,000 $ 289,000 $ 57,000
San Mateo, California 1 $ 378,000 $ 378,000 $ 80,000
Sonoma, California 1 $ 360,000 $ 360,000 $ 56,000
Alamosa, Colorado 1 $ 140,000 $ 140,000 $ 82,000
Arapahoe, Colorado 1 $ 350,000 $ 350,000 $ 164,000
Chaffee, Colorado 1 $ 434,000 $ 434,000 $ 126,000
Elbert, Colorado 1 $ 321,000 $ 321,000 $ 65,000
Jefferson, Colorado 1 $ 255,000 $ 255,000 $ 80,000
Morgan, Colorado 1 $ 156,000 $ 156,000 $ 55,000
Otero, Colorado 1 $ 77,000 $ 77,000 $ 41,000
Pueblo, Colorado 1 $ 110,000 $ 110,000 $ 42,000
Tolland, Connecticut 1 $ 284,000 $ 284,000 $ 176,000
Windham, Connecticut 1 $ 159,000 $ 159,000 $ 60,000
Alachua, Florida 1 $ 115,000 $ 115,000 $ 71,000
Bay, Florida 1 $ 58,000 $ 58,000 $ 28,000
DeSoto, Florida 1 $ 36,000 $ 36,000 $ 20,000
Flagler, Florida 1 $ 247,000 $ 247,000 $ 400,000
Gilchrist, Florida 1 $ 88,000 $ 88,000 $ 40,000
Hardee, Florida 1 $ 124,000 $ 124,000 $ 50,000
Highlands, Florida 1 $ 168,000 $ 168,000 $ 84,000
Indian River, Florida 1 $ 198,000 $ 198,000 $ 42,000
Leon, Florida 1 $ 196,000 $ 196,000 $ 91,000
St. Johns, Florida 1 $ 460,000 $ 460,000 $ 100,000
Barrow, Georgia 1 $ 135,000 $ 135,000 $ 93,000
Bibb, Georgia 1 $ 124,000 $ 124,000 $ 0
Bryan, Georgia 1 $ 132,000 $ 132,000 $ 40,000
Clarke, Georgia 1 $ 175,000 $ 175,000 $ 39,000
Effingham, Georgia 1 $ 160,000 $ 160,000 $ 0
Fayette, Georgia 1 $ 192,000 $ 192,000 $ 48,000
Floyd, Georgia 1 $ 81,000 $ 81,000 $ 29,000
Hall, Georgia 1 $ 133,000 $ 133,000 $ 36,000
Hart, Georgia 1 $ 189,000 $ 189,000 $ 78,000
Jackson, Georgia 1 $ 100,000 $ 100,000 $ 30,000
Jones, Georgia 1 $ 200,000 $ 200,000 $ 48,000
Lamar, Georgia 1 $ 136,000 $ 136,000 $ 93,000
Lowndes, Georgia 1 $ 77,000 $ 77,000 $ 40,000
Madison, Georgia 1 $ 217,000 $ 217,000 $ 37,000
Morgan, Georgia 1 $ 102,000 $ 102,000 $ 30,000
Murray, Georgia 1 $ 73,000 $ 73,000 $ 13,000
Newton, Georgia 1 $ 81,000 $ 81,000 $ 31,000
Richmond, Georgia 1 $ 117,000 $ 117,000 $ 155,000
Tift, Georgia 1 $ 112,000 $ 112,000 $ 74,000
Treutlen, Georgia 1 $ 60,000 $ 60,000 $ 15,000
Idaho, Idaho 1 $ 96,000 $ 96,000 $ 39,000
Lincoln, Idaho 1 $ 135,000 $ 135,000 $ 54,000
Adams, Illinois 1 $ 290,000 $ 290,000 $ 120,000
DeKalb, Illinois 1 $ 270,000 $ 270,000 $ 65,000
Fulton, Illinois 1 $ 40,000 $ 40,000 $ 22,000
Henry, Illinois 1 $ 90,000 $ 90,000 $ 72,000
Kankakee, Illinois 1 $ 95,000 $ 95,000 $ 52,000
Lee, Illinois 1 $ 87,000 $ 87,000 $ 90,000
Logan, Illinois 1 $ 105,000 $ 105,000 $ 30,000
Monroe, Illinois 1 $ 86,000 $ 86,000 $ 49,000
Rock Island, Illinois 1 $ 140,000 $ 140,000 $ 45,000
St. Clair, Illinois 1 $ 62,000 $ 62,000 $ 26,000
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Mortgage Loan Application Detail Totals for Equity One in 2008

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 2,339 $385,610,000 $164,000 $1,500,000 $67,000 $1,560,000
Home Improvement 239 $14,994,000 $62,000 $417,000 $66,000 $680,000
Home Purchase 146 $14,532,000 $99,000 $538,000 $62,000 $360,000

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 1,455 $213,524,000 $146,000 $1,000,000 $67,000 $1,045,000
Black or African American 547 $75,058,000 $137,000 $1,011,000 $61,000 $680,000
Not Provided 519 $84,083,000 $162,000 $1,500,000 $66,000 $640,000
Hispanic 158 $31,191,000 $197,000 $640,000 $70,000 $240,000
Asian 33 $9,296,000 $281,000 $780,000 $165,000 $1,560,000
American Indian or Alaskan Native 8 $1,285,000 $160,000 $490,000 $61,000 $91,000
Native Hawaiian or Other Pacific Islander 3 $476,000 $158,000 $417,000 $89,000 $156,000
Not applicable 1 $223,000 $223,000 $223,000 $88,000 $88,000

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) 2,718 $414,037,000 $152,000 $1,500,000 $67,000 $1,560,000
FHA-insured (Federal Housing Administration) 6 $1,099,000 $183,000 $281,000 $65,000 $84,000
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
Application Withdrawn By Applicant 1,132 $217,060,000 $191,000 $1,500,000 $73,000 $1,560,000
Application Approved But Not Accepted 723 $96,232,000 $133,000 $693,000 $63,000 $360,000
Loan Originated 455 $46,165,000 $101,000 $479,000 $60,000 $264,000
Application Denied By Financial Institution 410 $55,431,000 $135,000 $1,011,000 $64,000 $1,051,000
File Closed For Incompleteness 4 $248,000 $62,000 $93,000 $75,000 $116,000
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
Credit History 68 $6,193,000 $91,000 $433,000 $55,000 $185,000
Collateral 35 $3,994,000 $114,000 $441,000 $67,000 $680,000
Debt-To-Income Ratio 29 $1,824,000 $62,000 $275,000 $49,000 $118,000
Other 5 $99,000 $19,000 $50,000 $40,000 $63,000
Employment History 2 $120,000 $60,000 $70,000 $114,000 $114,000
Insufficient Cash (Downpayment, Closing Cost) 1 $13,000 $13,000 $13,000 $38,000 $38,000
Mortgage Insurance Denied 1 $80,000 $80,000 $80,000 $27,000 $27,000
Unverifiable Information 1 $36,000 $36,000 $36,000 $20,000 $20,000
Credit Application Incomplete 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Equity One's 2008 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 One'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.
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