Equity Plus Mortgage Lending & HMDA Data, 2003
In 2003, Equity Plus of San Diego, CA reported 2,359 mortgage applications totaling $471.1 million. The average application was for $199,714, and applicants reported an average income of $61,517. 59% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Chicago, IL (855), San Diego, CA (267) and Los Angeles-Long Beach, CA (252) (applications in parentheses).
| Mortgage Company & Address | Equity Plus 5333 Mission Center Road San Diego, CA 92109 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 2,359 |
| Total Mortgage Loan Application Amount | $471,126,000 |
| Average Mortgage Loan Application Amount | $199,714 |
| Highest Mortgage Loan Application Amount | $718,000 |
| Average Applicant Income | $61,517 |
| Highest Applicant Income | $651,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Equity Plus filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Cook, Illinois | 573 | $ 92,523,000 | $ 161,471 | $ 52,000 |
| San Diego, California | 267 | $ 63,595,000 | $ 238,183 | $ 78,000 |
| Los Angeles, California | 252 | $ 61,881,000 | $ 245,559 | $ 68,000 |
| Hennepin, Minnesota | 88 | $ 16,094,000 | $ 182,886 | $ 51,000 |
| DuPage, Illinois | 81 | $ 15,973,000 | $ 197,197 | $ 61,000 |
| Will, Illinois | 75 | $ 13,770,000 | $ 183,600 | $ 64,000 |
| Orange, California | 69 | $ 17,021,000 | $ 246,681 | $ 63,000 |
| Riverside, California | 55 | $ 12,394,000 | $ 225,345 | $ 67,000 |
| Santa Clara, California | 54 | $ 15,967,000 | $ 295,685 | $ 69,000 |
| Kane, Illinois | 50 | $ 8,285,000 | $ 165,700 | $ 55,000 |
| Dane, Wisconsin | 43 | $ 7,369,000 | $ 171,372 | $ 60,000 |
| Sonoma, California | 35 | $ 8,815,000 | $ 251,857 | $ 60,000 |
| Lake, Illinois | 35 | $ 5,938,000 | $ 169,657 | $ 53,000 |
| Anoka, Minnesota | 31 | $ 5,507,000 | $ 177,645 | $ 65,000 |
| Sacramento, California | 28 | $ 5,698,000 | $ 203,500 | $ 62,000 |
| McHenry, Illinois | 28 | $ 6,135,000 | $ 219,107 | $ 65,000 |
| Contra Costa, California | 27 | $ 7,305,000 | $ 270,555 | $ 71,000 |
| San Bernardino, California | 25 | $ 4,758,000 | $ 190,320 | $ 67,000 |
| San Mateo, California | 25 | $ 7,359,000 | $ 294,360 | $ 81,000 |
| Ventura, California | 25 | $ 7,663,000 | $ 306,520 | $ 90,000 |
| Milwaukee, Wisconsin | 23 | $ 2,486,000 | $ 108,086 | $ 34,000 |
| Alameda, California | 22 | $ 5,117,000 | $ 232,590 | $ 62,000 |
| Dakota, Minnesota | 21 | $ 3,675,000 | $ 175,000 | $ 56,000 |
| Ramsey, Minnesota | 19 | $ 3,037,000 | $ 159,842 | $ 51,000 |
| Washington, Minnesota | 19 | $ 3,494,000 | $ 183,894 | $ 55,000 |
| Solano, California | 17 | $ 4,349,000 | $ 255,823 | $ 85,000 |
| Santa Barbara, California | 13 | $ 4,302,000 | $ 330,923 | $ 84,000 |
| Stanislaus, California | 10 | $ 1,647,000 | $ 164,700 | $ 50,000 |
| Jefferson, Wisconsin | 10 | $ 1,269,000 | $ 126,900 | $ 50,000 |
| Rock, Wisconsin | 10 | $ 1,179,000 | $ 117,900 | $ 42,000 |
| Placer, California | 9 | $ 1,893,000 | $ 210,333 | $ 93,000 |
| San Francisco, California | 9 | $ 2,972,000 | $ 330,222 | $ 80,000 |
| Green, Wisconsin | 9 | $ 919,000 | $ 102,111 | $ 33,000 |
| Sauk, Wisconsin | 9 | $ 966,000 | $ 107,333 | $ 31,000 |
| Merced, California | 8 | $ 1,690,000 | $ 211,250 | $ 88,000 |
| Scott, Minnesota | 8 | $ 1,596,000 | $ 199,500 | $ 57,000 |
| Dodge, Wisconsin | 8 | $ 950,000 | $ 118,750 | $ 42,000 |
| Fresno, California | 7 | $ 1,324,000 | $ 189,142 | $ 54,000 |
| Monterey, California | 7 | $ 1,902,000 | $ 271,714 | $ 68,000 |
| San Joaquin, California | 7 | $ 1,740,000 | $ 248,571 | $ 66,000 |
| DeKalb, Illinois | 7 | $ 1,045,000 | $ 149,285 | $ 63,000 |
| Maricopa, Arizona | 6 | $ 836,000 | $ 139,333 | $ 52,000 |
| El Dorado, California | 6 | $ 1,390,000 | $ 231,666 | $ 93,000 |
| Madera, California | 6 | $ 1,227,000 | $ 204,500 | $ 58,000 |
| Santa Cruz, California | 6 | $ 1,571,000 | $ 261,833 | $ 76,000 |
| St. Clair, Illinois | 6 | $ 857,000 | $ 142,833 | $ 62,000 |
| Carver, Minnesota | 6 | $ 1,501,000 | $ 250,166 | $ 54,000 |
| St. Louis, Minnesota | 6 | $ 701,000 | $ 116,833 | $ 52,000 |
| St. Croix, Wisconsin | 6 | $ 1,076,000 | $ 179,333 | $ 48,000 |
| Yolo, California | 5 | $ 1,075,000 | $ 215,000 | $ 74,000 |
| Wright, Minnesota | 5 | $ 817,000 | $ 163,400 | $ 46,000 |
| Butte, California | 4 | $ 565,000 | $ 141,250 | $ 70,000 |
| Marin, California | 4 | $ 1,045,000 | $ 261,250 | $ 92,000 |
| Napa, California | 4 | $ 926,000 | $ 231,500 | $ 66,000 |
| San Luis Obispo, California | 4 | $ 1,235,000 | $ 308,750 | $ 68,000 |
| Tulare, California | 4 | $ 952,000 | $ 238,000 | $ 129,000 |
| Kendall, Illinois | 4 | $ 574,000 | $ 143,500 | $ 58,000 |
| Winnebago, Illinois | 4 | $ 394,000 | $ 98,500 | $ 43,000 |
| Crow Wing, Minnesota | 4 | $ 512,000 | $ 128,000 | $ 11,000 |
| Goodhue, Minnesota | 4 | $ 676,000 | $ 169,000 | $ 49,000 |
| McLeod, Minnesota | 4 | $ 631,000 | $ 157,750 | $ 63,000 |
| Olmsted, Minnesota | 4 | $ 845,000 | $ 211,250 | $ 40,000 |
| Sherburne, Minnesota | 4 | $ 772,000 | $ 193,000 | $ 45,000 |
| Columbia, Wisconsin | 4 | $ 663,000 | $ 165,750 | $ 74,000 |
| Kern, California | 3 | $ 388,000 | $ 129,333 | $ 58,000 |
| Tuolumne, California | 3 | $ 586,000 | $ 195,333 | $ 51,000 |
| Boone, Illinois | 3 | $ 456,000 | $ 152,000 | $ 52,000 |
| Jackson, Illinois | 3 | $ 207,000 | $ 69,000 | $ 32,000 |
| Madison, Illinois | 3 | $ 575,000 | $ 191,666 | $ 38,000 |
| Le Sueur, Minnesota | 3 | $ 358,000 | $ 119,333 | $ 40,000 |
| Mille Lacs, Minnesota | 3 | $ 328,000 | $ 109,333 | $ 30,000 |
| Fond du Lac, Wisconsin | 3 | $ 437,000 | $ 145,666 | $ 49,000 |
| Pierce, Wisconsin | 3 | $ 632,000 | $ 210,666 | $ 83,000 |
| Sheboygan, Wisconsin | 3 | $ 391,000 | $ 130,333 | $ 61,000 |
| Imperial, California | 2 | $ 178,000 | $ 89,000 | $ 40,000 |
| San Benito, California | 2 | $ 797,000 | $ 398,500 | $ 108,000 |
| Shasta, California | 2 | $ 482,000 | $ 241,000 | $ 86,000 |
| Grundy, Illinois | 2 | $ 297,000 | $ 148,500 | $ 39,000 |
| McLean, Illinois | 2 | $ 186,000 | $ 93,000 | $ 55,000 |
| Ogle, Illinois | 2 | $ 288,000 | $ 144,000 | $ 59,000 |
| Rock Island, Illinois | 2 | $ 127,000 | $ 63,500 | $ 53,000 |
| Tazewell, Illinois | 2 | $ 386,000 | $ 193,000 | $ 76,000 |
| Williamson, Illinois | 2 | $ 352,000 | $ 176,000 | $ 74,000 |
| Beltrami, Minnesota | 2 | $ 357,000 | $ 178,500 | $ 99,000 |
| Brown, Minnesota | 2 | $ 298,000 | $ 149,000 | $ 42,000 |
| Cass, Minnesota | 2 | $ 690,000 | $ 345,000 | $ 177,000 |
| Chisago, Minnesota | 2 | $ 281,000 | $ 140,500 | $ 51,000 |
| Isanti, Minnesota | 2 | $ 343,000 | $ 171,500 | $ 52,000 |
| Meeker, Minnesota | 2 | $ 331,000 | $ 165,500 | $ 23,000 |
| Rice, Minnesota | 2 | $ 334,000 | $ 167,000 | $ 57,000 |
| Sibley, Minnesota | 2 | $ 216,000 | $ 108,000 | $ 39,000 |
| Chippewa, Wisconsin | 2 | $ 228,000 | $ 114,000 | $ 61,000 |
| Eau Claire, Wisconsin | 2 | $ 199,000 | $ 99,500 | $ 42,000 |
| Kenosha, Wisconsin | 2 | $ 286,000 | $ 143,000 | $ 66,000 |
| Marinette, Wisconsin | 2 | $ 176,000 | $ 88,000 | $ 38,000 |
| Outagamie, Wisconsin | 2 | $ 352,000 | $ 176,000 | $ 50,000 |
| Polk, Wisconsin | 2 | $ 277,000 | $ 138,500 | $ 82,000 |
| Racine, Wisconsin | 2 | $ 296,000 | $ 148,000 | $ 38,000 |
| Richland, Wisconsin | 2 | $ 183,000 | $ 91,500 | $ 59,000 |
| Vernon, Wisconsin | 2 | $ 209,000 | $ 104,500 | $ 67,000 |
| Waukesha, Wisconsin | 2 | $ 505,000 | $ 252,500 | $ 70,000 |
| Wood, Wisconsin | 2 | $ 182,000 | $ 91,000 | $ 41,000 |
| Amador, California | 1 | $ 322,000 | $ 322,000 | $ 118,000 |
| Mendocino, California | 1 | $ 202,000 | $ 202,000 | $ 73,000 |
| Nevada, California | 1 | $ 196,000 | $ 196,000 | $ 55,000 |
| Sutter, California | 1 | $ 250,000 | $ 250,000 | $ 95,000 |
| Denver, Colorado | 1 | $ 117,000 | $ 117,000 | $ 0 |
| Adams, Illinois | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Douglas, Illinois | 1 | $ 62,000 | $ 62,000 | $ 88,000 |
| Kankakee, Illinois | 1 | $ 60,000 | $ 60,000 | $ 81,000 |
| Knox, Illinois | 1 | $ 107,000 | $ 107,000 | $ 58,000 |
| LaSalle, Illinois | 1 | $ 126,000 | $ 126,000 | $ 43,000 |
| Lee, Illinois | 1 | $ 68,000 | $ 68,000 | $ 45,000 |
| Macoupin, Illinois | 1 | $ 60,000 | $ 60,000 | $ 48,000 |
| Lake, Indiana | 1 | $ 85,000 | $ 85,000 | $ 92,000 |
| Warren, Iowa | 1 | $ 133,000 | $ 133,000 | $ 45,000 |
| Ingham, Michigan | 1 | $ 92,000 | $ 92,000 | $ 26,000 |
| Roscommon, Michigan | 1 | $ 294,000 | $ 294,000 | $ 651,000 |
| Van Buren, Michigan | 1 | $ 97,000 | $ 97,000 | $ 144,000 |
| Benton, Minnesota | 1 | $ 102,000 | $ 102,000 | $ 0 |
| Blue Earth, Minnesota | 1 | $ 154,000 | $ 154,000 | $ 97,000 |
| Douglas, Minnesota | 1 | $ 138,000 | $ 138,000 | $ 60,000 |
| Kandiyohi, Minnesota | 1 | $ 96,000 | $ 96,000 | $ 66,000 |
| Morrison, Minnesota | 1 | $ 130,000 | $ 130,000 | $ 0 |
| Mower, Minnesota | 1 | $ 76,000 | $ 76,000 | $ 27,000 |
| Otter Tail, Minnesota | 1 | $ 81,000 | $ 81,000 | $ 18,000 |
| Pine, Minnesota | 1 | $ 189,000 | $ 189,000 | $ 55,000 |
| Stevens, Minnesota | 1 | $ 83,000 | $ 83,000 | $ 40,000 |
| Wadena, Minnesota | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Watonwan, Minnesota | 1 | $ 70,000 | $ 70,000 | $ 52,000 |
| Bayfield, Wisconsin | 1 | $ 127,000 | $ 127,000 | $ 0 |
| Douglas, Wisconsin | 1 | $ 111,000 | $ 111,000 | $ 48,000 |
| Green Lake, Wisconsin | 1 | $ 70,000 | $ 70,000 | $ 26,000 |
| Iowa, Wisconsin | 1 | $ 106,000 | $ 106,000 | $ 66,000 |
| Lafayette, Wisconsin | 1 | $ 68,000 | $ 68,000 | $ 57,000 |
| Oconto, Wisconsin | 1 | $ 180,000 | $ 180,000 | $ 0 |
| Pepin, Wisconsin | 1 | $ 111,000 | $ 111,000 | $ 54,000 |
| Sawyer, Wisconsin | 1 | $ 83,000 | $ 83,000 | $ 23,000 |
| Walworth, Wisconsin | 1 | $ 98,000 | $ 98,000 | $ 82,000 |
| Washington, Wisconsin | 1 | $ 112,000 | $ 112,000 | $ 33,000 |
| Waupaca, Wisconsin | 1 | $ 84,000 | $ 84,000 | $ 40,000 |
| Waushara, Wisconsin | 1 | $ 148,000 | $ 148,000 | $ 0 |
| Winnebago, Wisconsin | 1 | $ 91,000 | $ 91,000 | $ 54,000 |
Mortgage Loan Application Detail Totals for Equity Plus in 2003
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 |
|---|---|---|---|---|---|---|
| Home Purchase (one-to-four family) | 1,533 | $270,463,000 | $150,444 | $557,000 | $76,000 | $651,000 |
| Refinancing (home purchase or home improvement, one-to-four family) | 776 | $188,689,000 | $199,000 | $718,000 | $73,000 | $369,000 |
| Home Improvement (one-to-four family) | 50 | $11,974,000 | $198,000 | $560,000 | $49,000 | $215,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 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 | 1,023 | $217,413,000 | $161,714 | $678,000 | $94,285 | $651,000 |
| Black | 433 | $68,798,000 | $161,250 | $575,000 | $50,750 | $336,000 |
| Information not provided by applicant in mail or telephone application | 418 | $85,438,000 | $186,750 | $718,000 | $53,250 | $300,000 |
| Hispanic | 306 | $59,328,000 | $153,000 | $536,000 | $40,714 | $240,000 |
| Asian or Pacific Islander | 125 | $29,833,000 | $200,750 | $428,000 | $61,750 | $369,000 |
| Other | 29 | $6,561,000 | $218,666 | $525,000 | $67,666 | $264,000 |
| American Indian or Alaskan Native | 25 | $3,755,000 | $140,400 | $390,000 | $53,000 | $140,000 |
| 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) | 2,358 | $470,867,000 | $150,777 | $718,000 | $76,333 | $651,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $259,000 | $259,000 | $259,000 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FHA-insured (Federal Housing 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 | 1,382 | $292,730,000 | $192,666 | $718,000 | $158,500 | $651,000 |
| Application Withdrawn By Applicant | 618 | $107,274,000 | $146,571 | $557,000 | $54,000 | $336,000 |
| Application Denied By Financial Institution | 241 | $42,072,000 | $152,428 | $568,000 | $54,428 | $240,000 |
| Application Approved But Not Accepted | 109 | $27,564,000 | $181,666 | $678,000 | $65,666 | $228,000 |
| File Closed For Incompleteness | 9 | $1,486,000 | $145,333 | $287,000 | $43,666 | $100,000 |
| Loan Purchased By The 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 | 2 | $421,000 | $210,000 | $225,000 | $57,000 | $67,000 |
| Unverifiable Information | 2 | $352,000 | $176,000 | $195,000 | $30,500 | $61,000 |
| Collateral | 1 | $164,000 | $164,000 | $164,000 | $86,000 | $86,000 |
| Debt-To-Income Ratio | 1 | $400,000 | $400,000 | $400,000 | $62,000 | $62,000 |
| Employment History | 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Equity Plus's 2003 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 Plus'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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