Equity One Mortgage Lending & HMDA Data, 2004
In 2004, Equity One of Rosemont, IL reported 98,987 mortgage applications totaling $9.6 billion, up 12% from 2003. The average application was for $97,088, and applicants reported an average income of $49,071. 27% of its applications resulted in an originated loan and 24% were denied. Its largest markets were Phoenix-Mesa-Scottsdale, AZ (4,715), Pittsburgh, PA (3,481) and Philadelphia, PA (3,042) (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 | 98,987 |
| Total Mortgage Loan Application Amount | $9,610,531,000 |
| Average Mortgage Loan Application Amount | $97,088 |
| Highest Mortgage Loan Application Amount | $1,700,000 |
| Average Applicant Income | $49,071 |
| Highest Applicant Income | $8,573,000 |
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Act (HMDA) records Equity One filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Phoenix-Mesa-Scottsdale, AZ | 4,715 | $ 191,075,000 | $ 40,524 | $ 54,000 |
| Pittsburgh, PA | 3,481 | $ 113,309,000 | $ 32,550 | $ 45,000 |
| Philadelphia, PA | 3,042 | $ 318,227,000 | $ 104,611 | $ 59,000 |
| Baltimore-Towson, MD | 2,619 | $ 177,373,000 | $ 67,725 | $ 56,000 |
| Chicago-Naperville-Joliet, IL | 2,566 | $ 330,491,000 | $ 128,796 | $ 55,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1,959 | $ 72,788,000 | $ 37,155 | $ 49,000 |
| Richmond, VA | 1,758 | $ 82,808,000 | $ 47,103 | $ 46,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1,755 | $ 144,789,000 | $ 82,500 | $ 47,000 |
| Camden, NJ | 1,353 | $ 130,102,000 | $ 96,158 | $ 78,000 |
| Nashville-Davidson--Murfreesboro, TN | 1,335 | $ 90,924,000 | $ 68,107 | $ 47,000 |
| Columbia, SC | 1,223 | $ 94,036,000 | $ 76,889 | $ 46,000 |
| Atlanta-Sandy Springs-Marietta, GA | 1,133 | $ 164,650,000 | $ 145,322 | $ 56,000 |
| Orlando, FL | 1,100 | $ 86,580,000 | $ 78,709 | $ 51,000 |
| St. Louis, MO-IL | 1,083 | $ 119,292,000 | $ 110,149 | $ 43,000 |
| Kansas City, MO-KS | 959 | $ 103,608,000 | $ 108,037 | $ 50,000 |
| Los Angeles-Long Beach-Glendale, CA | 959 | $ 222,427,000 | $ 231,936 | $ 74,000 |
| Charlotte-Gastonia-Concord, NC-SC | 958 | $ 86,260,000 | $ 90,041 | $ 61,000 |
| Raleigh-Cary, NC | 856 | $ 95,191,000 | $ 111,204 | $ 59,000 |
| Edison, NJ | 852 | $ 122,398,000 | $ 143,659 | $ 98,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 834 | $ 68,761,000 | $ 82,447 | $ 49,000 |
| Charleston-North Charleston, SC | 832 | $ 62,917,000 | $ 75,621 | $ 46,000 |
| Riverside-San Bernardino-Ontario, CA | 831 | $ 165,218,000 | $ 198,818 | $ 61,000 |
| Tucson, AZ | 791 | $ 61,102,000 | $ 77,246 | $ 43,000 |
| Las Vegas-Paradise, NV | 742 | $ 125,720,000 | $ 169,433 | $ 62,000 |
| Portland-Vancouver-Beaverton, OR-WA | 736 | $ 110,454,000 | $ 150,073 | $ 48,000 |
| Warren-Farmington Hills-Troy, MI | 723 | $ 119,665,000 | $ 165,511 | $ 67,000 |
| Denver-Aurora, CO | 719 | $ 59,623,000 | $ 82,924 | $ 54,000 |
| Harrisburg-Carlisle, PA | 715 | $ 65,816,000 | $ 92,050 | $ 48,000 |
| Newark-Union, NJ-PA | 690 | $ 105,463,000 | $ 152,844 | $ 95,000 |
| Detroit-Livonia-Dearborn, MI | 607 | $ 66,306,000 | $ 109,235 | $ 41,000 |
| Boston-Quincy, MA | 593 | $ 86,108,000 | $ 145,207 | $ 64,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 583 | $ 121,470,000 | $ 208,353 | $ 54,000 |
| Scranton--Wilkes-Barre, PA | 582 | $ 42,422,000 | $ 72,890 | $ 56,000 |
| Columbus, OH | 570 | $ 71,689,000 | $ 125,770 | $ 50,000 |
| New York-Wayne-White Plains, NY-NJ | 556 | $ 137,664,000 | $ 247,597 | $ 17,000 |
| Cleveland-Elyria-Mentor, OH | 554 | $ 78,955,000 | $ 142,518 | $ 76,000 |
| Rockingham County-Strafford County, NH | 554 | $ 36,600,000 | $ 66,064 | $ 49,000 |
| Greensboro-High Point, NC | 539 | $ 46,508,000 | $ 86,285 | $ 44,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 511 | $ 33,525,000 | $ 65,606 | $ 62,000 |
| Wilmington, DE-MD-NJ | 509 | $ 65,284,000 | $ 128,259 | $ 63,000 |
| Albuquerque, NM | 500 | $ 58,345,000 | $ 116,690 | $ 51,000 |
| Greenville, SC | 488 | $ 36,590,000 | $ 74,979 | $ 44,000 |
| Bethesda-Frederick-Gaithersburg, MD | 486 | $ 53,533,000 | $ 110,150 | $ 68,000 |
| Cincinnati-Middletown, OH-KY-IN | 486 | $ 64,006,000 | $ 131,699 | $ 62,000 |
| Hartford-West Hartford-East Hartford, CT | 486 | $ 57,007,000 | $ 117,298 | $ 49,000 |
| Indianapolis, IN | 466 | $ 54,860,000 | $ 117,725 | $ 35,000 |
| York-Hanover, PA | 461 | $ 40,842,000 | $ 88,594 | $ 50,000 |
| Providence-New Bedford-Fall River, RI-MA | 457 | $ 88,899,000 | $ 194,527 | $ 58,000 |
| Springfield, MA | 439 | $ 33,060,000 | $ 75,307 | $ 41,000 |
| Sioux Falls, SD | 430 | $ 52,601,000 | $ 122,327 | $ 64,000 |
| Knoxville, TN | 427 | $ 24,752,000 | $ 57,967 | $ 38,000 |
| Reading, PA | 407 | $ 31,573,000 | $ 77,574 | $ 40,000 |
| Nassau-Suffolk, NY | 402 | $ 94,695,000 | $ 235,559 | $ 113,000 |
| Erie, PA | 395 | $ 16,653,000 | $ 42,159 | $ 45,000 |
| Hickory-Lenoir-Morganton, NC | 395 | $ 25,661,000 | $ 64,964 | $ 40,000 |
| Lancaster, PA | 390 | $ 36,924,000 | $ 94,676 | $ 45,000 |
| Worcester, MA | 387 | $ 37,083,000 | $ 95,821 | $ 49,000 |
| Durham, NC | 384 | $ 38,236,000 | $ 99,572 | $ 45,000 |
| Winston-Salem, NC | 381 | $ 28,327,000 | $ 74,349 | $ 45,000 |
| Cambridge-Newton-Framingham, MA | 369 | $ 45,772,000 | $ 124,043 | $ 73,000 |
| New Haven-Milford, CT | 368 | $ 45,927,000 | $ 124,801 | $ 55,000 |
| Jacksonville, FL | 364 | $ 29,354,000 | $ 80,642 | $ 52,000 |
| Wilmington, NC | 364 | $ 35,594,000 | $ 97,785 | $ 60,000 |
| Manchester-Nashua, NH | 349 | $ 24,004,000 | $ 68,779 | $ 53,000 |
| Lakeland, FL | 346 | $ 13,720,000 | $ 39,653 | $ 50,000 |
| Louisville, KY-IN | 334 | $ 25,321,000 | $ 75,811 | $ 39,000 |
| Colorado Springs, CO | 331 | $ 33,453,000 | $ 101,066 | $ 50,000 |
| Fayetteville, NC | 331 | $ 16,617,000 | $ 50,202 | $ 53,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 319 | $ 69,002,000 | $ 216,307 | $ 44,000 |
| Wichita, KS | 318 | $ 28,275,000 | $ 88,915 | $ 88,000 |
| Fresno, CA | 308 | $ 42,064,000 | $ 136,571 | $ 46,000 |
| Asheville, NC | 299 | $ 33,466,000 | $ 111,926 | $ 48,000 |
| Clarksville, TN-KY | 293 | $ 5,705,000 | $ 19,470 | $ 47,000 |
| Essex County, MA | 290 | $ 27,597,000 | $ 95,162 | $ 60,000 |
| Atlantic City, NJ | 289 | $ 44,487,000 | $ 153,934 | $ 76,000 |
| Spartanburg, SC | 283 | $ 20,537,000 | $ 72,568 | $ 37,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 282 | $ 23,161,000 | $ 82,131 | $ 69,000 |
| Sarasota-Bradenton-Venice, FL | 269 | $ 31,507,000 | $ 117,126 | $ 41,000 |
| Milwaukee-Waukesha-West Allis, WI | 265 | $ 38,799,000 | $ 146,411 | $ 70,000 |
| Salt Lake City, UT | 264 | $ 34,885,000 | $ 132,140 | $ 38,000 |
| Akron, OH | 263 | $ 29,654,000 | $ 112,752 | $ 53,000 |
| Roanoke, VA | 262 | $ 16,680,000 | $ 63,664 | $ 42,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 255 | $ 23,147,000 | $ 90,772 | $ 76,000 |
| Miami-Miami Beach-Kendall, FL | 247 | $ 30,081,000 | $ 121,785 | $ 54,000 |
| Trenton-Ewing, NJ | 246 | $ 21,685,000 | $ 88,150 | $ 63,000 |
| Lynchburg, VA | 244 | $ 11,966,000 | $ 49,040 | $ 43,000 |
| Chattanooga, TN-GA | 242 | $ 18,393,000 | $ 76,004 | $ 56,000 |
| Dayton, OH | 235 | $ 26,170,000 | $ 111,361 | $ 61,000 |
| Jacksonville, NC | 235 | $ 10,156,000 | $ 43,217 | $ 80,000 |
| Florence, SC | 228 | $ 11,658,000 | $ 51,131 | $ 44,000 |
| Ocean City, NJ | 226 | $ 56,279,000 | $ 249,022 | $ 129,000 |
| San Diego-Carlsbad-San Marcos, CA | 225 | $ 64,373,000 | $ 286,102 | $ 65,000 |
| Santa Ana-Anaheim-Irvine, CA | 225 | $ 63,387,000 | $ 281,720 | $ 58,000 |
| Rocky Mount, NC | 222 | $ 13,246,000 | $ 59,666 | $ 47,000 |
| Bridgeport-Stamford-Norwalk, CT | 220 | $ 42,922,000 | $ 195,100 | $ 82,000 |
| Savannah, GA | 220 | $ 31,432,000 | $ 142,872 | $ 69,000 |
| Altoona, PA | 218 | $ 12,272,000 | $ 56,293 | $ 36,000 |
| Ocala, FL | 211 | $ 8,256,000 | $ 39,127 | $ 36,000 |
| Memphis, TN-MS-AR | 207 | $ 21,124,000 | $ 102,048 | $ 51,000 |
| Grand Rapids-Wyoming, MI | 206 | $ 23,068,000 | $ 111,980 | $ 34,000 |
| Goldsboro, NC | 205 | $ 5,828,000 | $ 28,429 | $ 38,000 |
| Youngstown-Warren-Boardman, OH-PA | 204 | $ 17,433,000 | $ 85,455 | $ 36,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 200 | $ 14,548,000 | $ 72,740 | $ 55,000 |
| Williamsport, PA | 198 | $ 10,221,000 | $ 51,621 | $ 43,000 |
| Danville, VA | 194 | $ 9,552,000 | $ 49,237 | $ 33,000 |
| Salem, OR | 194 | $ 22,933,000 | $ 118,211 | $ 51,000 |
| Seattle-Bellevue-Everett, WA | 190 | $ 35,930,000 | $ 189,105 | $ 68,000 |
| Gainesville, FL | 188 | $ 4,269,000 | $ 22,707 | $ 45,000 |
| Lake County-Kenosha County, IL-WI | 181 | $ 27,249,000 | $ 150,546 | $ 52,000 |
| Greeley, CO | 175 | $ 13,219,000 | $ 75,537 | $ 60,000 |
| Toledo, OH | 173 | $ 20,505,000 | $ 118,526 | $ 38,000 |
| Oakland-Fremont-Hayward, CA | 169 | $ 44,329,000 | $ 262,301 | $ 60,000 |
| Lebanon, PA | 162 | $ 14,711,000 | $ 90,808 | $ 45,000 |
| Vineland-Millville-Bridgeton, NJ | 161 | $ 9,409,000 | $ 58,440 | $ 49,000 |
| Anderson, SC | 158 | $ 11,253,000 | $ 71,221 | $ 65,000 |
| Omaha-Council Bluffs, NE-IA | 157 | $ 15,890,000 | $ 101,210 | $ 39,000 |
| Ogden-Clearfield, UT | 152 | $ 18,607,000 | $ 122,414 | $ 42,000 |
| Lexington-Fayette, KY | 148 | $ 14,148,000 | $ 95,594 | $ 41,000 |
| Sumter, SC | 146 | $ 8,218,000 | $ 56,287 | $ 37,000 |
| Greenville, NC | 144 | $ 8,834,000 | $ 61,347 | $ 55,000 |
| Flint, MI | 140 | $ 17,332,000 | $ 123,800 | $ 55,000 |
| Portland-South Portland-Biddeford, ME | 140 | $ 15,011,000 | $ 107,221 | $ 46,000 |
| Charlottesville, VA | 139 | $ 9,889,000 | $ 71,143 | $ 39,000 |
| Canton-Massillon, OH | 137 | $ 15,120,000 | $ 110,364 | $ 41,000 |
| Kingsport-Bristol-Bristol, TN-VA | 137 | $ 6,090,000 | $ 44,452 | $ 34,000 |
| Salisbury, MD | 134 | $ 12,780,000 | $ 95,373 | $ 38,000 |
| Stockton, CA | 133 | $ 26,515,000 | $ 199,360 | $ 55,000 |
| Dover, DE | 125 | $ 14,312,000 | $ 114,496 | $ 41,000 |
| Owensboro, KY | 119 | $ 3,835,000 | $ 32,226 | $ 45,000 |
| Cape Coral-Fort Myers, FL | 116 | $ 13,368,000 | $ 115,241 | $ 68,000 |
| Modesto, CA | 116 | $ 22,656,000 | $ 195,310 | $ 46,000 |
| Rockford, IL | 116 | $ 9,893,000 | $ 85,284 | $ 33,000 |
| Lansing-East Lansing, MI | 115 | $ 13,956,000 | $ 121,356 | $ 39,000 |
| Eugene-Springfield, OR | 114 | $ 14,594,000 | $ 128,017 | $ 34,000 |
| Topeka, KS | 114 | $ 11,047,000 | $ 96,903 | $ 54,000 |
| Johnson City, TN | 112 | $ 5,085,000 | $ 45,401 | $ 36,000 |
| Fort Collins-Loveland, CO | 110 | $ 7,145,000 | $ 64,954 | $ 46,000 |
| Palm Bay-Melbourne-Titusville, FL | 106 | $ 11,128,000 | $ 104,981 | $ 40,000 |
| Rapid City, SD | 106 | $ 12,668,000 | $ 119,509 | $ 61,000 |
| Johnstown, PA | 103 | $ 4,786,000 | $ 46,466 | $ 33,000 |
| Tulsa, OK | 101 | $ 10,680,000 | $ 105,742 | $ 46,000 |
| Pueblo, CO | 100 | $ 8,153,000 | $ 81,530 | $ 44,000 |
| Tacoma, WA | 100 | $ 16,554,000 | $ 165,540 | $ 53,000 |
| Harrisonburg, VA | 98 | $ 7,752,000 | $ 79,102 | $ 36,000 |
| Winchester, VA-WV | 97 | $ 7,360,000 | $ 75,876 | $ 41,000 |
| Grand Junction, CO | 96 | $ 11,962,000 | $ 124,604 | $ 64,000 |
| Madison, WI | 96 | $ 15,403,000 | $ 160,447 | $ 47,000 |
| Morristown, TN | 94 | $ 4,021,000 | $ 42,776 | $ 33,000 |
| Provo-Orem, UT | 94 | $ 14,441,000 | $ 153,627 | $ 60,000 |
| St. Joseph, MO-KS | 89 | $ 8,746,000 | $ 98,269 | $ 44,000 |
| Appleton, WI | 87 | $ 12,289,000 | $ 141,252 | $ 51,000 |
| Blacksburg-Christiansburg-Radford, VA | 87 | $ 5,450,000 | $ 62,643 | $ 40,000 |
| Gary, IN | 85 | $ 8,145,000 | $ 95,823 | $ 39,000 |
| Medford, OR | 83 | $ 10,860,000 | $ 130,843 | $ 45,000 |
| State College, PA | 83 | $ 8,148,000 | $ 98,168 | $ 46,000 |
| Oshkosh-Neenah, WI | 78 | $ 10,117,000 | $ 129,705 | $ 76,000 |
| Boise City-Nampa, ID | 77 | $ 11,600,000 | $ 150,649 | $ 81,000 |
| Burlington, NC | 77 | $ 7,801,000 | $ 101,311 | $ 41,000 |
| Norwich-New London, CT | 76 | $ 9,483,000 | $ 124,776 | $ 50,000 |
| Columbus, GA-AL | 75 | $ 7,941,000 | $ 105,880 | $ 39,000 |
| Green Bay, WI | 75 | $ 10,421,000 | $ 138,946 | $ 159,000 |
| Spokane, WA | 75 | $ 8,933,000 | $ 119,106 | $ 40,000 |
| Des Moines, IA | 74 | $ 8,128,000 | $ 109,837 | $ 43,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 74 | $ 20,299,000 | $ 274,310 | $ 55,000 |
| Reno-Sparks, NV | 74 | $ 15,110,000 | $ 204,189 | $ 56,000 |
| Fort Wayne, IN | 73 | $ 7,288,000 | $ 99,835 | $ 28,000 |
| Barnstable Town, MA | 72 | $ 5,481,000 | $ 76,125 | $ 48,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 71 | $ 11,740,000 | $ 165,352 | $ 12,000 |
| Birmingham-Hoover, AL | 67 | $ 7,338,000 | $ 109,522 | $ 0 |
| Bakersfield, CA | 65 | $ 9,296,000 | $ 143,015 | $ 48,000 |
| Port St. Lucie-Fort Pierce, FL | 65 | $ 7,635,000 | $ 117,461 | $ 40,000 |
| Las Cruces, NM | 63 | $ 6,386,000 | $ 101,365 | $ 36,000 |
| Athens-Clarke County, GA | 62 | $ 7,892,000 | $ 127,290 | $ 54,000 |
| Burlington-South Burlington, VT | 62 | $ 3,799,000 | $ 61,274 | $ 42,000 |
| Cleveland, TN | 60 | $ 4,609,000 | $ 76,816 | $ 35,000 |
| Vallejo-Fairfield, CA | 60 | $ 16,117,000 | $ 268,616 | $ 55,000 |
| Yuma, AZ | 59 | $ 5,276,000 | $ 89,423 | $ 37,000 |
| Elizabethtown, KY | 57 | $ 3,246,000 | $ 56,947 | $ 36,000 |
| Evansville, IN-KY | 57 | $ 4,882,000 | $ 85,649 | $ 23,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 56 | $ 14,585,000 | $ 260,446 | $ 45,000 |
| Tallahassee, FL | 56 | $ 4,005,000 | $ 71,517 | $ 34,000 |
| Prescott, AZ | 53 | $ 8,369,000 | $ 157,905 | $ 73,000 |
| Boulder, CO | 52 | $ 6,210,000 | $ 119,423 | $ 56,000 |
| Hagerstown-Martinsburg, MD-WV | 52 | $ 5,224,000 | $ 100,461 | $ 54,000 |
| Naples-Marco Island, FL | 52 | $ 7,792,000 | $ 149,846 | $ 53,000 |
| Santa Fe, NM | 52 | $ 7,851,000 | $ 150,980 | $ 49,000 |
| Ann Arbor, MI | 51 | $ 8,531,000 | $ 167,274 | $ 56,000 |
| Fargo, ND-MN | 51 | $ 5,732,000 | $ 112,392 | $ 72,000 |
| Merced, CA | 51 | $ 8,183,000 | $ 160,450 | $ 32,000 |
| Holland-Grand Haven, MI | 50 | $ 6,522,000 | $ 130,440 | $ 26,000 |
| Albany-Schenectady-Troy, NY | 49 | $ 6,626,000 | $ 135,224 | $ 0 |
| Bangor, ME | 48 | $ 4,950,000 | $ 103,125 | $ 35,000 |
| Springfield, OH | 48 | $ 3,964,000 | $ 82,583 | $ 33,000 |
| Kalamazoo-Portage, MI | 47 | $ 6,347,000 | $ 135,042 | $ 31,000 |
| Oklahoma City, OK | 46 | $ 4,054,000 | $ 88,130 | $ 34,000 |
| Sioux City, IA-NE-SD | 46 | $ 3,755,000 | $ 81,630 | $ 33,000 |
| Brunswick, GA | 45 | $ 4,885,000 | $ 108,555 | $ 62,000 |
| Lawrence, KS | 45 | $ 6,037,000 | $ 134,155 | $ 60,000 |
| South Bend-Mishawaka, IN-MI | 45 | $ 4,128,000 | $ 91,733 | $ 36,000 |
| Madera, CA | 43 | $ 6,236,000 | $ 145,023 | $ 40,000 |
| Mansfield, OH | 41 | $ 4,673,000 | $ 113,975 | $ 43,000 |
| Anderson, IN | 39 | $ 3,130,000 | $ 80,256 | $ 32,000 |
| Peoria, IL | 39 | $ 3,699,000 | $ 94,846 | $ 36,000 |
| Buffalo-Niagara Falls, NY | 38 | $ 3,489,000 | $ 91,815 | $ 11,000 |
| Pensacola-Ferry Pass-Brent, FL | 38 | $ 3,908,000 | $ 102,842 | $ 26,000 |
| El Centro, CA | 37 | $ 4,271,000 | $ 115,432 | $ 27,000 |
| Missoula, MT | 36 | $ 6,038,000 | $ 167,722 | $ 101,000 |
| Punta Gorda, FL | 36 | $ 3,746,000 | $ 104,055 | $ 45,000 |
| Racine, WI | 36 | $ 5,059,000 | $ 140,527 | $ 42,000 |
| Kennewick-Richland-Pasco, WA | 34 | $ 3,887,000 | $ 114,323 | $ 27,000 |
| Niles-Benton Harbor, MI | 34 | $ 3,447,000 | $ 101,382 | $ 32,000 |
| San Francisco-San Mateo-Redwood City, CA | 34 | $ 12,473,000 | $ 366,852 | $ 73,000 |
| Elkhart-Goshen, IN | 33 | $ 2,597,000 | $ 78,696 | $ 80,000 |
| Warner Robins, GA | 33 | $ 5,676,000 | $ 172,000 | $ 58,000 |
| Olympia, WA | 32 | $ 5,004,000 | $ 156,375 | $ 64,000 |
| Augusta-Richmond County, GA-SC | 31 | $ 2,960,000 | $ 95,483 | $ 50,000 |
| Bend, OR | 31 | $ 4,016,000 | $ 129,548 | $ 32,000 |
| Billings, MT | 31 | $ 3,299,000 | $ 106,419 | $ 49,000 |
| Bremerton-Silverdale, WA | 31 | $ 4,703,000 | $ 151,709 | $ 44,000 |
| Jackson, MI | 31 | $ 3,565,000 | $ 115,000 | $ 37,000 |
| Pittsfield, MA | 31 | $ 1,548,000 | $ 49,935 | $ 44,000 |
| Saginaw-Saginaw Township North, MI | 31 | $ 3,471,000 | $ 111,967 | $ 32,000 |
| Janesville, WI | 30 | $ 3,405,000 | $ 113,500 | $ 37,000 |
| Monroe, MI | 30 | $ 4,243,000 | $ 141,433 | $ 40,000 |
| Muskegon-Norton Shores, MI | 30 | $ 3,124,000 | $ 104,133 | $ 20,000 |
| Farmington, NM | 29 | $ 3,368,000 | $ 116,137 | $ 52,000 |
| Kokomo, IN | 29 | $ 2,798,000 | $ 96,482 | $ 24,000 |
| Lewiston-Auburn, ME | 29 | $ 2,212,000 | $ 76,275 | $ 40,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 29 | $ 7,632,000 | $ 263,172 | $ 55,000 |
| Macon, GA | 28 | $ 3,475,000 | $ 124,107 | $ 38,000 |
| Fond Du Lac, WI | 27 | $ 3,495,000 | $ 129,444 | $ 45,000 |
| Lincoln, NE | 27 | $ 3,324,000 | $ 123,111 | $ 45,000 |
| Santa Rosa-Petaluma, CA | 27 | $ 6,819,000 | $ 252,555 | $ 47,000 |
| Springfield, MO | 27 | $ 2,838,000 | $ 105,111 | $ 44,000 |
| Visalia-Porterville, CA | 26 | $ 4,440,000 | $ 170,769 | $ 57,000 |
| Coeur D'Alene, ID | 25 | $ 4,878,000 | $ 195,120 | $ 130,000 |
| Cumberland, MD-WV | 25 | $ 2,238,000 | $ 89,520 | $ 75,000 |
| Flagstaff, AZ | 25 | $ 3,830,000 | $ 153,200 | $ 74,000 |
| Sheboygan, WI | 25 | $ 2,687,000 | $ 107,480 | $ 36,000 |
| Dalton, GA | 23 | $ 1,797,000 | $ 78,130 | $ 27,000 |
| Bloomington, IN | 22 | $ 2,075,000 | $ 94,318 | $ 4,000 |
| Cedar Rapids, IA | 22 | $ 2,120,000 | $ 96,363 | $ 19,000 |
| Gainesville, GA | 22 | $ 2,949,000 | $ 134,045 | $ 49,000 |
| Salinas, CA | 22 | $ 6,605,000 | $ 300,227 | $ 57,000 |
| Syracuse, NY | 22 | $ 2,274,000 | $ 103,363 | $ 0 |
| Dallas-Plano-Irving, TX | 21 | $ 3,245,000 | $ 154,523 | $ 13,000 |
| Duluth, MN-WI | 21 | $ 2,322,000 | $ 110,571 | $ 25,000 |
| Lima, OH | 21 | $ 2,178,000 | $ 103,714 | $ 17,000 |
| Yakima, WA | 21 | $ 2,316,000 | $ 110,285 | $ 46,000 |
| Battle Creek, MI | 20 | $ 2,234,000 | $ 111,700 | $ 34,000 |
| Bowling Green, KY | 19 | $ 637,000 | $ 33,526 | $ 44,000 |
| Lafayette, IN | 19 | $ 2,079,000 | $ 109,421 | $ 20,000 |
| Rochester, MN | 19 | $ 2,637,000 | $ 138,789 | $ 25,000 |
| Rochester, NY | 19 | $ 2,004,000 | $ 105,473 | $ 0 |
| Houston-Baytown-Sugar Land, TX | 18 | $ 1,952,000 | $ 108,444 | $ 11,000 |
| St. Cloud, MN | 18 | $ 3,095,000 | $ 171,944 | $ 48,000 |
| Champaign-Urbana, IL | 17 | $ 2,276,000 | $ 133,882 | $ 39,000 |
| Davenport-Moline-Rock Island, IA-IL | 17 | $ 1,739,000 | $ 102,294 | $ 40,000 |
| Jackson, TN | 17 | $ 641,000 | $ 37,705 | $ 22,000 |
| Sandusky, OH | 17 | $ 1,741,000 | $ 102,411 | $ 49,000 |
| Hinesville-Fort Stewart, GA | 16 | $ 1,215,000 | $ 75,937 | $ 65,000 |
| Redding, CA | 16 | $ 2,561,000 | $ 160,062 | $ 27,000 |
| Fort Walton Beach-Crestview-Destin, FL | 15 | $ 2,322,000 | $ 154,800 | $ 46,000 |
| Kingston, NY | 15 | $ 2,331,000 | $ 155,400 | $ 14,000 |
| Panama City-Lynn Haven, FL | 15 | $ 1,975,000 | $ 131,666 | $ 59,000 |
| Corvallis, OR | 14 | $ 2,052,000 | $ 146,571 | $ 30,000 |
| Glens Falls, NY | 14 | $ 1,485,000 | $ 106,071 | $ 8,000 |
| Jefferson City, MO | 14 | $ 1,463,000 | $ 104,500 | $ 27,000 |
| St. George, UT | 14 | $ 2,032,000 | $ 145,142 | $ 77,000 |
| Wausau, WI | 14 | $ 1,422,000 | $ 101,571 | $ 40,000 |
| Muncie, IN | 13 | $ 1,447,000 | $ 111,307 | $ 41,000 |
| Pocatello, ID | 13 | $ 1,341,000 | $ 103,153 | $ 125,000 |
| Austin-Round Rock, TX | 12 | $ 1,836,000 | $ 153,000 | $ 6,000 |
| Danville, IL | 12 | $ 1,014,000 | $ 84,500 | $ 46,000 |
| Great Falls, MT | 12 | $ 1,359,000 | $ 113,250 | $ 30,000 |
| San Luis Obispo-Paso Robles, CA | 12 | $ 2,861,000 | $ 238,416 | $ 43,000 |
| Bloomington-Normal, IL | 11 | $ 1,604,000 | $ 145,818 | $ 56,000 |
| Idaho Falls, ID | 11 | $ 1,089,000 | $ 99,000 | $ 28,000 |
| Vero Beach, FL | 11 | $ 1,419,000 | $ 129,000 | $ 29,000 |
| Bay City, MI | 10 | $ 1,184,000 | $ 118,400 | $ 26,000 |
| Kankakee-Bradley, IL | 10 | $ 870,000 | $ 87,000 | $ 52,000 |
| Michigan City-La Porte, IN | 10 | $ 892,000 | $ 89,200 | $ 44,000 |
| Terre Haute, IN | 10 | $ 780,000 | $ 78,000 | $ 25,000 |
| Bellingham, WA | 9 | $ 1,542,000 | $ 171,333 | $ 85,000 |
| Casper, WY | 9 | $ 893,000 | $ 99,222 | $ 42,000 |
| Cheyenne, WY | 9 | $ 1,044,000 | $ 116,000 | $ 55,000 |
| Chico, CA | 9 | $ 1,179,000 | $ 131,000 | $ 25,000 |
| Iowa City, IA | 9 | $ 1,078,000 | $ 119,777 | $ 13,000 |
| Waterloo-Cedar Falls, IA | 9 | $ 841,000 | $ 93,444 | $ 32,000 |
| Albany, GA | 8 | $ 993,000 | $ 124,125 | $ 27,000 |
| Grand Forks, ND-MN | 8 | $ 820,000 | $ 102,500 | $ 233,000 |
| Hanford-Corcoran, CA | 8 | $ 1,054,000 | $ 131,750 | $ 18,000 |
| Joplin, MO | 8 | $ 740,000 | $ 92,500 | $ 51,000 |
| Longview, WA | 8 | $ 1,116,000 | $ 139,500 | $ 29,000 |
| Mount Vernon-Anacortes, WA | 8 | $ 922,000 | $ 115,250 | $ 589,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 8 | $ 802,000 | $ 100,250 | $ 41,000 |
| Wenatchee, WA | 8 | $ 926,000 | $ 115,750 | $ 32,000 |
| Yuba City, CA | 8 | $ 619,000 | $ 77,375 | $ 11,000 |
| Columbus, IN | 7 | $ 814,000 | $ 116,285 | $ 12,000 |
| Dubuque, IA | 7 | $ 628,000 | $ 89,714 | $ 16,000 |
| El Paso, TX | 7 | $ 777,000 | $ 111,000 | $ 0 |
| Fort Worth-Arlington, TX | 7 | $ 886,000 | $ 126,571 | $ 9,000 |
| San Antonio, TX | 7 | $ 501,000 | $ 71,571 | $ 24,000 |
| Utica-Rome, NY | 7 | $ 703,000 | $ 100,428 | $ 0 |
| Bismarck, ND | 6 | $ 710,000 | $ 118,333 | $ 52,000 |
| Columbia, MO | 6 | $ 472,000 | $ 78,666 | $ 40,000 |
| Decatur, IL | 6 | $ 499,000 | $ 83,166 | $ 53,000 |
| Eau Claire, WI | 6 | $ 772,000 | $ 128,666 | $ 51,000 |
| Huntsville, AL | 6 | $ 538,000 | $ 89,666 | $ 0 |
| Mobile, AL | 6 | $ 369,000 | $ 61,500 | $ 0 |
| Rome, GA | 6 | $ 681,000 | $ 113,500 | $ 51,000 |
| Santa Cruz-Watsonville, CA | 6 | $ 1,669,000 | $ 278,166 | $ 15,000 |
| Springfield, IL | 6 | $ 573,000 | $ 95,500 | $ 17,000 |
| Auburn-Opelika, AL | 5 | $ 775,000 | $ 155,000 | $ 0 |
| Carson City, NV | 5 | $ 1,273,000 | $ 254,600 | $ 63,000 |
| La Crosse, WI-MN | 5 | $ 584,000 | $ 116,800 | $ 23,000 |
| Lawton, OK | 5 | $ 418,000 | $ 83,600 | $ 0 |
| Lewiston, ID-WA | 5 | $ 498,000 | $ 99,600 | $ 32,000 |
| Brownsville-Harlingen, TX | 4 | $ 398,000 | $ 99,500 | $ 0 |
| Huntington-Ashland, WV-KY-OH | 4 | $ 262,000 | $ 65,500 | $ 46,000 |
| Napa, CA | 4 | $ 707,000 | $ 176,750 | $ 33,000 |
| Tuscaloosa, AL | 4 | $ 530,000 | $ 132,500 | $ 0 |
| Valdosta, GA | 4 | $ 477,000 | $ 119,250 | $ 46,000 |
| Montgomery, AL | 3 | $ 128,000 | $ 42,666 | $ 0 |
| Ames, IA | 2 | $ 405,000 | $ 202,500 | $ 76,000 |
| Anniston-Oxford, AL | 2 | $ 280,000 | $ 140,000 | $ 0 |
| Binghamton, NY | 2 | $ 155,000 | $ 77,500 | $ 0 |
| Florence-Muscle Shoals, AL | 2 | $ 376,000 | $ 188,000 | $ 0 |
| Gulfport-Biloxi, MS | 2 | $ 165,000 | $ 82,500 | $ 15,000 |
| McAllen-Edinburg-Pharr, TX | 2 | $ 190,000 | $ 95,000 | $ 0 |
| College Station-Bryan, TX | 1 | $ 87,000 | $ 87,000 | $ 0 |
| Dothan, AL | 1 | $ 81,000 | $ 81,000 | $ 0 |
| Elmira, NY | 1 | $ 64,000 | $ 64,000 | $ 0 |
| Laredo, TX | 1 | $ 50,000 | $ 50,000 | $ 0 |
| Little Rock-North Little Rock, AR | 1 | $ 110,000 | $ 110,000 | $ 62,000 |
| Logan, UT-ID | 1 | $ 140,000 | $ 140,000 | $ 0 |
| Longview, TX | 1 | $ 97,000 | $ 97,000 | $ 0 |
| Lubbock, TX | 1 | $ 183,000 | $ 183,000 | $ 0 |
| San Angelo, TX | 1 | $ 87,000 | $ 87,000 | $ 0 |
| Tyler, TX | 1 | $ 7,000 | $ 7,000 | $ 18,000 |
| Waco, TX | 1 | $ 143,000 | $ 143,000 | $ 0 |
| Wichita Falls, TX | 1 | $ 78,000 | $ 78,000 | $ 0 |
Mortgage Loan Application Detail Totals for Equity One in 2004
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 | 65,336 | $8,044,358,000 | $128,734 | $1,575,000 | $47,244 | $8,573,000 |
| Home Improvement | 23,178 | $172,716,000 | $30,472 | $521,000 | $58,666 | $939,000 |
| Home Purchase | 10,473 | $1,393,457,000 | $125,826 | $1,700,000 | $54,347 | $6,500,000 |
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 | 38,658 | $3,713,446,000 | $114,021 | $1,615,000 | $69,065 | $8,573,000 |
| Not Provided | 24,711 | $1,790,953,000 | $99,543 | $1,575,000 | $50,782 | $6,500,000 |
| Not applicable | 16,904 | $2,616,424,000 | $132,568 | $750,000 | $1,295 | $540,000 |
| Black or African American | 11,099 | $840,362,000 | $105,025 | $1,700,000 | $58,550 | $4,878,000 |
| Hispanic | 6,489 | $498,788,000 | $110,800 | $1,000,000 | $53,725 | $796,000 |
| Asian | 659 | $102,219,000 | $136,918 | $975,000 | $71,378 | $1,140,000 |
| American Indian or Alaskan Native | 251 | $24,295,000 | $114,810 | $640,000 | $56,621 | $433,000 |
| Native Hawaiian or Other Pacific Islander | 216 | $24,044,000 | $99,448 | $600,000 | $59,344 | $600,000 |
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) | 98,467 | $9,547,291,000 | $111,571 | $1,700,000 | $50,428 | $8,573,000 |
| FHA-insured (Federal Housing Administration) | 446 | $53,173,000 | $118,366 | $325,000 | $44,933 | $960,000 |
| VA-guaranteed (Veterans Administration) | 71 | $9,529,000 | $137,333 | $285,000 | $47,722 | $117,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $538,000 | $179,333 | $228,000 | $57,000 | $71,000 |
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 | 26,926 | $1,985,677,000 | $103,434 | $1,615,000 | $68,195 | $7,286,000 |
| Application Denied By Financial Institution | 23,927 | $1,655,374,000 | $94,760 | $1,700,000 | $54,195 | $6,000,000 |
| Application Approved But Not Accepted | 17,573 | $1,784,425,000 | $124,347 | $1,575,000 | $52,195 | $6,500,000 |
| Loan Purchased By The Institution | 16,859 | $2,610,495,000 | $132,590 | $750,000 | $0 | $0 |
| Application Withdrawn By Applicant | 13,071 | $1,518,822,000 | $124,437 | $1,500,000 | $63,604 | $8,573,000 |
| File Closed For Incompleteness | 631 | $55,738,000 | $92,481 | $720,000 | $52,814 | $468,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 4,544 | $76,237,000 | $26,166 | $600,000 | $41,625 | $605,000 |
| Credit History | 1,276 | $21,780,000 | $16,909 | $250,000 | $42,181 | $560,000 |
| Collateral | 204 | $10,289,000 | $43,588 | $240,000 | $54,647 | $218,000 |
| Other | 152 | $4,698,000 | $42,562 | $219,000 | $55,000 | $178,000 |
| Employment History | 38 | $932,000 | $26,200 | $130,000 | $39,400 | $104,000 |
| Unverifiable Information | 21 | $359,000 | $14,400 | $168,000 | $72,900 | $300,000 |
| Credit Application Incomplete | 6 | $117,000 | $18,400 | $50,000 | $44,200 | $92,000 |
| 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 One's 2004 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.
For a list of all lenders in Illinois, download the full spreadsheet
with aggregated HMDA statistics today.
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