EQUITY WAVE LENDING, INC.
EQUITY WAVE LENDING, INC. received 375 applications in 2025 and made 234 mortgages, in 59 counties across 10 states. The median rate its borrowers got was 11.990% on a median loan of $225,000. Of 312 decisions, 62 were denials — 19.9%, most often for collateral.
| Legal Entity Identifier | 549300RC1JITZLHVLH66 |
|---|---|
| Applications received | 375 |
| Mortgages made | 234 |
| Denied | 62 |
| Approved, not taken up | 16 |
| Withdrawn or incomplete | 63 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 18 | 10.990% | $435,000 | 0.0% |
| Refinancing | 6 | Under 10 loans | Under 10 loans | 45.5% |
| Cash-out refinancing | 210 | 12.250% | $205,000 | 20.2% |
Where EQUITY WAVE LENDING, INC. lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Los Angeles County, CA | 75 | 11.990% | 17.5% |
| Orange County, CA | 44 | 11.990% | 17.5% |
| Riverside County, CA | 17 | 12.120% | 18.2% |
| San Diego County, CA | 17 | 12.750% | 29.2% |
| San Bernardino County, CA | 10 | 11.245% | 33.3% |
| Alameda County, CA | 8 | Under 10 loans | 20.0% |
| Santa Clara County, CA | 8 | Under 10 loans | 10.0% |
| Contra Costa County, CA | 6 | Under 10 loans | 12.5% |
| Ventura County, CA | 4 | Under 10 loans | 37.5% |
| Santa Cruz County, CA | 3 | Under 10 loans | 0.0% |
| Miami-Dade County, FL | 3 | Under 10 loans | 0.0% |
| Palm Beach County, FL | 3 | Under 10 loans | 0.0% |
| Kern County, CA | 2 | Under 10 loans | 0.0% |
| Monterey County, CA | 2 | Under 10 loans | 33.3% |
| Sacramento County, CA | 2 | Under 10 loans | 0.0% |
| San Joaquin County, CA | 2 | Under 10 loans | 0.0% |
| San Mateo County, CA | 2 | Under 10 loans | 0.0% |
| Santa Barbara County, CA | 2 | Under 10 loans | 0.0% |
| Tulare County, CA | 2 | Under 10 loans | 0.0% |
| Jefferson County, CO | 2 | Under 10 loans | 0.0% |
| Gwinnett County, GA | 2 | Under 10 loans | 0.0% |
| Alpine County, CA | 1 | Under 10 loans | 0.0% |
| El Dorado County, CA | 1 | Under 10 loans | 0.0% |
| Fresno County, CA | 1 | Under 10 loans | 50.0% |
| Madera County, CA | 1 | Under 10 loans | 0.0% |
| Marin County, CA | 1 | Under 10 loans | 0.0% |
| Merced County, CA | 1 | Under 10 loans | 0.0% |
| San Francisco County, CA | 1 | Under 10 loans | 0.0% |
| Tuolumne County, CA | 1 | Under 10 loans | 0.0% |
| Lee County, FL | 1 | Under 10 loans | 50.0% |
| Pinellas County, FL | 1 | Under 10 loans | 0.0% |
| Seminole County, FL | 1 | Under 10 loans | 0.0% |
| Sumter County, FL | 1 | Under 10 loans | 0.0% |
| Honolulu County, HI | 1 | Under 10 loans | 0.0% |
| Maui County, HI | 1 | Under 10 loans | 0.0% |
| Shelby County, TN | 1 | Under 10 loans | 0.0% |
| Galveston County, TX | 1 | Under 10 loans | 0.0% |
| Harris County, TX | 1 | Under 10 loans | 0.0% |
| Pierce County, WA | 1 | Under 10 loans | 0.0% |
| Napa County, CA | 0 | Under 10 loans | Not published |
| Placer County, CA | 0 | Under 10 loans | 0.0% |
| Solano County, CA | 0 | Under 10 loans | 100.0% |
| Sonoma County, CA | 0 | Under 10 loans | 100.0% |
| Stanislaus County, CA | 0 | Under 10 loans | 100.0% |
| Yuba County, CA | 0 | Under 10 loans | Not published |
| Broward County, FL | 0 | Under 10 loans | 0.0% |
| Charlotte County, FL | 0 | Under 10 loans | 100.0% |
| Collier County, FL | 0 | Under 10 loans | 100.0% |
| Duval County, FL | 0 | Under 10 loans | Not published |
| Hillsborough County, FL | 0 | Under 10 loans | 100.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.