E*Trade Bank Mortgage Lending & HMDA Data, 2004

In 2004, E*Trade Bank of Arlington, VA reported 43,463 mortgage applications totaling $10.8 billion, down 51% from 2003. The average application was for $249,162, and applicants reported an average income of $87,231. 36% of its applications resulted in an originated loan and 21% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (3,899), Santa Ana-Anaheim-Irvine, CA (2,420) and Riverside-San Bernardino-Ontario, CA (2,249) (applications in parentheses).

Mortgage Company & Address E*Trade Bank
671 North Glebe Rd, 12th Floor
Arlington, VA 22203
Tel #: available with data download
Federal Regulator * available with data download
Years 2010  2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 43,463
Total Mortgage Loan Application Amount $10,829,347,000
Average Mortgage Loan Application Amount $249,162
Highest Mortgage Loan Application Amount $2,400,000
Average Applicant Income $87,231
Highest Applicant Income $7,800,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records E*Trade Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 E*Trade Bank by County in 2004

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Los Angeles, California 3,899 $ 1,142,040,000 $ 292,905 $ 86,000
Orange, California 2,420 $ 800,640,000 $ 330,842 $ 116,000
San Diego, California 1,548 $ 491,848,000 $ 317,731 $ 106,000
Riverside, California 1,194 $ 275,970,000 $ 231,130 $ 87,000
San Bernardino, California 1,055 $ 214,702,000 $ 203,509 $ 78,000
Clark, Nevada 868 $ 199,926,000 $ 230,329 $ 79,000
Maricopa, Arizona 845 $ 172,932,000 $ 204,653 $ 69,000
Sacramento, California 817 $ 186,377,000 $ 228,123 $ 86,000
Santa Clara, California 815 $ 370,046,000 $ 454,044 $ 121,000
Cook, Illinois 714 $ 189,321,000 $ 265,155 $ 75,000
Alameda, California 675 $ 250,387,000 $ 370,943 $ 131,000
Fairfax, Virginia 645 $ 191,408,000 $ 296,756 $ 113,000
Contra Costa, California 540 $ 188,414,000 $ 348,914 $ 107,000
Oakland, Michigan 380 $ 86,898,000 $ 228,678 $ 93,000
King, Washington 370 $ 109,765,000 $ 296,662 $ 94,000
Prince George's, Maryland 365 $ 63,933,000 $ 175,158 $ 64,000
Middlesex, Massachusetts 356 $ 116,526,000 $ 327,320 $ 98,000
Ventura, California 346 $ 120,798,000 $ 349,127 $ 113,000
District of Columbia, District Of Columbia 329 $ 84,395,000 $ 256,519 $ 93,000
Montgomery, Maryland 309 $ 89,623,000 $ 290,042 $ 88,000
Wayne, Michigan 292 $ 51,329,000 $ 175,784 $ 66,000
Suffolk, New York 284 $ 75,081,000 $ 264,369 $ 120,000
San Mateo, California 278 $ 132,640,000 $ 477,122 $ 146,000
Miami-Dade, Florida 268 $ 54,377,000 $ 202,899 $ 76,000
Nassau, New York 239 $ 74,729,000 $ 312,673 $ 115,000
Loudoun, Virginia 232 $ 73,677,000 $ 317,573 $ 102,000
Broward, Florida 231 $ 51,782,000 $ 224,164 $ 102,000
Prince William, Virginia 220 $ 52,719,000 $ 239,631 $ 83,000
Placer, California 217 $ 62,978,000 $ 290,221 $ 110,000
San Joaquin, California 211 $ 56,713,000 $ 268,781 $ 68,000
Wake, North Carolina 209 $ 40,715,000 $ 194,808 $ 84,000
Fairfield, Connecticut 208 $ 73,292,000 $ 352,365 $ 116,000
Philadelphia, Pennsylvania 207 $ 25,477,000 $ 123,077 $ 60,000
San Francisco, California 201 $ 94,985,000 $ 472,562 $ 166,000
Macomb, Michigan 197 $ 32,941,000 $ 167,213 $ 62,000
Hennepin, Minnesota 184 $ 42,849,000 $ 232,875 $ 79,000
Anne Arundel, Maryland 176 $ 42,991,000 $ 244,267 $ 79,000
Honolulu, Hawaii 171 $ 43,750,000 $ 255,847 $ 95,000
Fresno, California 167 $ 35,776,000 $ 214,227 $ 79,000
Fulton, Georgia 164 $ 44,634,000 $ 272,158 $ 115,000
Norfolk, Massachusetts 164 $ 51,057,000 $ 311,323 $ 97,000
Essex, Massachusetts 161 $ 41,992,000 $ 260,819 $ 90,000
Montgomery, Pennsylvania 159 $ 31,096,000 $ 195,572 $ 94,000
Queens, New York 158 $ 43,639,000 $ 276,196 $ 89,000
Westchester, New York 154 $ 51,404,000 $ 333,792 $ 133,000
Bucks, Pennsylvania 154 $ 33,668,000 $ 218,623 $ 100,000
Palm Beach, Florida 153 $ 34,657,000 $ 226,516 $ 88,000
Kings, New York 151 $ 38,434,000 $ 254,529 $ 96,000
Kern, California 148 $ 24,511,000 $ 165,614 $ 61,000
Pima, Arizona 145 $ 25,049,000 $ 172,751 $ 75,000
Worcester, Massachusetts 141 $ 32,193,000 $ 228,319 $ 104,000
Middlesex, New Jersey 140 $ 34,697,000 $ 247,835 $ 95,000
Multnomah, Oregon 139 $ 26,827,000 $ 193,000 $ 73,000
Washington, Oregon 138 $ 27,792,000 $ 201,391 $ 72,000
Delaware, Pennsylvania 135 $ 21,137,000 $ 156,570 $ 84,000
Chester, Pennsylvania 133 $ 28,421,000 $ 213,691 $ 103,000
Mecklenburg, North Carolina 132 $ 27,349,000 $ 207,189 $ 92,000
Suffolk, Massachusetts 131 $ 35,397,000 $ 270,206 $ 103,000
Washoe, Nevada 131 $ 33,425,000 $ 255,152 $ 89,000
Solano, California 127 $ 34,901,000 $ 274,811 $ 79,000
DuPage, Illinois 123 $ 32,602,000 $ 265,056 $ 85,000
Lake, Illinois 123 $ 40,319,000 $ 327,796 $ 67,000
Orange, Florida 122 $ 21,415,000 $ 175,532 $ 64,000
Bergen, New Jersey 122 $ 39,972,000 $ 327,639 $ 129,000
San Luis Obispo, California 121 $ 43,190,000 $ 356,942 $ 78,000
Cobb, Georgia 120 $ 23,341,000 $ 194,508 $ 109,000
Arlington, Virginia 118 $ 33,640,000 $ 285,084 $ 113,000
Sonoma, California 116 $ 39,877,000 $ 343,767 $ 100,000
Monmouth, New Jersey 116 $ 33,800,000 $ 291,379 $ 116,000
Hartford, Connecticut 115 $ 22,913,000 $ 199,243 $ 120,000
Baltimore, Maryland 109 $ 19,334,000 $ 177,376 $ 58,000
Hudson, New Jersey 108 $ 25,559,000 $ 236,657 $ 114,000
Rockingham, New Hampshire 107 $ 24,618,000 $ 230,074 $ 97,000
Burlington, New Jersey 106 $ 17,996,000 $ 169,773 $ 82,000
El Dorado, California 105 $ 29,879,000 $ 284,561 $ 95,000
Alexandria, Virginia 105 $ 31,064,000 $ 295,847 $ 148,000
Stanislaus, California 104 $ 24,488,000 $ 235,461 $ 89,000
New Haven, Connecticut 104 $ 21,241,000 $ 204,240 $ 87,000
Santa Cruz, California 100 $ 38,647,000 $ 386,470 $ 102,000
Gwinnett, Georgia 100 $ 18,975,000 $ 189,750 $ 91,000
Plymouth, Massachusetts 100 $ 27,022,000 $ 270,220 $ 136,000
Santa Barbara, California 99 $ 34,560,000 $ 349,090 $ 100,000
Camden, New Jersey 98 $ 13,911,000 $ 141,948 $ 123,000
Snohomish, Washington 98 $ 20,753,000 $ 211,765 $ 84,000
Hillsborough, Florida 97 $ 15,621,000 $ 161,041 $ 64,000
Clark, Washington 96 $ 16,516,000 $ 172,041 $ 76,000
Hillsborough, New Hampshire 94 $ 21,100,000 $ 224,468 $ 86,000
Will, Illinois 93 $ 21,507,000 $ 231,258 $ 73,000
Duval, Florida 92 $ 13,690,000 $ 148,804 $ 43,000
Harris, Texas 88 $ 19,712,000 $ 224,000 $ 95,000
Bernalillo, New Mexico 87 $ 14,631,000 $ 168,172 $ 62,000
Baltimore City, Maryland 86 $ 12,862,000 $ 149,558 $ 60,000
Cuyahoga, Ohio 86 $ 14,007,000 $ 162,872 $ 63,000
Jefferson, Colorado 85 $ 21,965,000 $ 258,411 $ 85,000
Ada, Idaho 85 $ 14,091,000 $ 165,776 $ 82,000
Washtenaw, Michigan 85 $ 17,888,000 $ 210,447 $ 106,000
Denver, Colorado 84 $ 19,893,000 $ 236,821 $ 85,000
Clackamas, Oregon 83 $ 21,343,000 $ 257,144 $ 115,000
Richmond, New York 81 $ 19,545,000 $ 241,296 $ 118,000
Howard, Maryland 80 $ 23,433,000 $ 292,912 $ 100,000
Salt Lake, Utah 80 $ 16,857,000 $ 210,712 $ 91,000
Pierce, Washington 80 $ 15,970,000 $ 199,625 $ 76,000
Johnson, Kansas 79 $ 18,699,000 $ 236,696 $ 116,000
Marin, California 77 $ 40,139,000 $ 521,285 $ 132,000
Monterey, California 74 $ 29,688,000 $ 401,189 $ 107,000
Douglas, Colorado 74 $ 24,120,000 $ 325,945 $ 129,000
Lee, Florida 74 $ 13,539,000 $ 182,959 $ 60,000
Bristol, Massachusetts 74 $ 17,353,000 $ 234,500 $ 65,000
Kane, Illinois 73 $ 17,437,000 $ 238,863 $ 82,000
Charles, Maryland 73 $ 13,196,000 $ 180,767 $ 73,000
Frederick, Maryland 73 $ 15,101,000 $ 206,863 $ 61,000
Stafford, Virginia 73 $ 16,599,000 $ 227,383 $ 81,000
Tulare, California 71 $ 10,551,000 $ 148,605 $ 58,000
Essex, New Jersey 71 $ 20,694,000 $ 291,464 $ 105,000
Franklin, Ohio 71 $ 11,674,000 $ 164,422 $ 76,000
Providence, Rhode Island 71 $ 14,814,000 $ 208,647 $ 74,000
Spotsylvania, Virginia 71 $ 12,440,000 $ 175,211 $ 80,000
DeKalb, Georgia 70 $ 15,086,000 $ 215,514 $ 98,000
Morris, New Jersey 69 $ 22,688,000 $ 328,811 $ 125,000
Somerset, New Jersey 69 $ 19,320,000 $ 280,000 $ 124,000
Allegheny, Pennsylvania 69 $ 10,296,000 $ 149,217 $ 100,000
Hawaii, Hawaii 68 $ 18,084,000 $ 265,941 $ 105,000
Ocean, New Jersey 68 $ 14,487,000 $ 213,044 $ 111,000
Henrico, Virginia 68 $ 11,861,000 $ 174,426 $ 59,000
Boulder, Colorado 67 $ 22,437,000 $ 334,880 $ 117,000
Brevard, Florida 67 $ 11,726,000 $ 175,014 $ 72,000
Passaic, New Jersey 67 $ 15,823,000 $ 236,164 $ 113,000
Dallas, Texas 67 $ 19,751,000 $ 294,791 $ 116,000
Bronx, New York 66 $ 12,537,000 $ 189,954 $ 96,000
Mohave, Arizona 65 $ 9,138,000 $ 140,584 $ 93,000
Pinellas, Florida 65 $ 12,227,000 $ 188,107 $ 71,000
Orleans, Louisiana 65 $ 8,921,000 $ 137,246 $ 65,000
St. Louis, Missouri 64 $ 20,517,000 $ 320,578 $ 74,000
Mercer, New Jersey 61 $ 16,335,000 $ 267,786 $ 100,000
El Paso, Colorado 59 $ 13,364,000 $ 226,508 $ 74,000
Forsyth, Georgia 59 $ 13,100,000 $ 222,033 $ 71,000
Virginia Beach, Virginia 59 $ 12,153,000 $ 205,983 $ 83,000
Dakota, Minnesota 58 $ 11,276,000 $ 194,413 $ 75,000
Tarrant, Texas 58 $ 12,920,000 $ 222,758 $ 71,000
New York, New York 57 $ 21,246,000 $ 372,736 $ 179,000
Yolo, California 56 $ 15,766,000 $ 281,535 $ 105,000
Travis, Texas 56 $ 18,888,000 $ 337,285 $ 112,000
Milwaukee, Wisconsin 56 $ 9,607,000 $ 171,553 $ 70,000
Arapahoe, Colorado 55 $ 12,230,000 $ 222,363 $ 75,000
Collier, Florida 55 $ 16,768,000 $ 304,872 $ 130,000
Union, New Jersey 55 $ 14,209,000 $ 258,345 $ 119,000
Pasco, Florida 54 $ 8,466,000 $ 156,777 $ 57,000
Calvert, Maryland 54 $ 11,031,000 $ 204,277 $ 80,000
Seminole, Florida 53 $ 9,918,000 $ 187,132 $ 66,000
Livingston, Michigan 53 $ 10,935,000 $ 206,320 $ 56,000
Jackson, Missouri 53 $ 8,867,000 $ 167,301 $ 60,000
Barnstable, Massachusetts 51 $ 12,796,000 $ 250,901 $ 130,000
Cumberland, Maine 50 $ 10,113,000 $ 202,260 $ 88,000
McHenry, Illinois 49 $ 10,383,000 $ 211,897 $ 92,000
Collin, Texas 49 $ 10,625,000 $ 216,836 $ 127,000
Nevada, California 48 $ 15,428,000 $ 321,416 $ 101,000
Dutchess, New York 48 $ 9,314,000 $ 194,041 $ 76,000
Yavapai, Arizona 47 $ 10,052,000 $ 213,872 $ 79,000
Sarasota, Florida 47 $ 9,191,000 $ 195,553 $ 69,000
Gloucester, New Jersey 47 $ 7,879,000 $ 167,638 $ 87,000
Lancaster, Pennsylvania 47 $ 6,089,000 $ 129,553 $ 59,000
Volusia, Florida 46 $ 6,794,000 $ 147,695 $ 59,000
East Baton Rouge, Louisiana 46 $ 5,678,000 $ 123,434 $ 74,000
York, Maine 46 $ 10,038,000 $ 218,217 $ 102,000
York, Pennsylvania 46 $ 6,095,000 $ 132,500 $ 55,000
Merced, California 45 $ 8,344,000 $ 185,422 $ 76,000
St. Tammany, Louisiana 45 $ 6,803,000 $ 151,177 $ 49,000
Rockland, New York 45 $ 13,332,000 $ 296,266 $ 131,000
Monroe, New York 44 $ 5,699,000 $ 129,522 $ 108,000
Charleston, South Carolina 44 $ 11,684,000 $ 265,545 $ 112,000
Horry, South Carolina 44 $ 6,077,000 $ 138,113 $ 76,000
New London, Connecticut 43 $ 9,349,000 $ 217,418 $ 96,000
Durham, North Carolina 43 $ 8,006,000 $ 186,186 $ 67,000
Chesterfield, Virginia 43 $ 7,120,000 $ 165,581 $ 63,000
Maui, Hawaii 42 $ 13,215,000 $ 314,642 $ 121,000
Hamilton, Indiana 42 $ 10,045,000 $ 239,166 $ 92,000
Jefferson, Kentucky 42 $ 7,540,000 $ 179,523 $ 63,000
Erie, New York 42 $ 5,591,000 $ 133,119 $ 127,000
Orange, New York 42 $ 8,397,000 $ 199,928 $ 94,000
Hamilton, Ohio 42 $ 7,605,000 $ 181,071 $ 83,000
Lehigh, Pennsylvania 41 $ 6,616,000 $ 161,365 $ 72,000
Kitsap, Washington 41 $ 12,094,000 $ 294,975 $ 116,000
Kootenai, Idaho 40 $ 6,417,000 $ 160,425 $ 74,000
Summit, Ohio 40 $ 6,728,000 $ 168,200 $ 104,000
Deschutes, Oregon 40 $ 8,062,000 $ 201,550 $ 86,000
Northampton, Pennsylvania 40 $ 6,512,000 $ 162,800 $ 78,000
Waukesha, Wisconsin 40 $ 10,921,000 $ 273,025 $ 63,000
Shasta, California 39 $ 7,725,000 $ 198,076 $ 92,000
Hampden, Massachusetts 39 $ 6,054,000 $ 155,230 $ 54,000
Anoka, Minnesota 39 $ 6,787,000 $ 174,025 $ 65,000
Ramsey, Minnesota 39 $ 7,398,000 $ 189,692 $ 71,000
New Hanover, North Carolina 39 $ 8,143,000 $ 208,794 $ 66,000
Lane, Oregon 39 $ 6,464,000 $ 165,743 $ 86,000
Monroe, Pennsylvania 39 $ 6,629,000 $ 169,974 $ 71,000
Spokane, Washington 39 $ 6,039,000 $ 154,846 $ 101,000
Anchorage, Alaska 38 $ 7,771,000 $ 204,500 $ 103,000
St. Charles, Missouri 38 $ 7,348,000 $ 193,368 $ 77,000
Putnam, New York 38 $ 9,752,000 $ 256,631 $ 315,000
Jefferson, Alabama 37 $ 7,009,000 $ 189,432 $ 67,000
Coconino, Arizona 37 $ 7,451,000 $ 201,378 $ 74,000
Adams, Colorado 37 $ 6,649,000 $ 179,702 $ 68,000
Atlantic, New Jersey 37 $ 6,643,000 $ 179,540 $ 75,000
Shelby, Tennessee 37 $ 8,287,000 $ 223,972 $ 88,000
Bexar, Texas 37 $ 6,055,000 $ 163,648 $ 82,000
Madison, Alabama 36 $ 5,234,000 $ 145,388 $ 79,000
Osceola, Florida 36 $ 4,866,000 $ 135,166 $ 52,000
Jefferson, Louisiana 36 $ 5,013,000 $ 139,250 $ 60,000
Cape May, New Jersey 36 $ 13,142,000 $ 365,055 $ 86,000
Guilford, North Carolina 36 $ 6,169,000 $ 171,361 $ 83,000
Davidson, Tennessee 36 $ 6,111,000 $ 169,750 $ 68,000
Chesapeake, Virginia 36 $ 6,149,000 $ 170,805 $ 44,000
Thurston, Washington 36 $ 6,332,000 $ 175,888 $ 85,000
Napa, California 35 $ 12,934,000 $ 369,542 $ 98,000
New Castle, Delaware 35 $ 5,164,000 $ 147,542 $ 25,000
Pinal, Arizona 34 $ 6,990,000 $ 205,588 $ 68,000
Butte, California 33 $ 7,075,000 $ 214,393 $ 86,000
Litchfield, Connecticut 33 $ 7,490,000 $ 226,969 $ 66,000
Polk, Florida 33 $ 3,682,000 $ 111,575 $ 50,000
Cherokee, Georgia 33 $ 5,665,000 $ 171,666 $ 77,000
Washington, Minnesota 33 $ 9,170,000 $ 277,878 $ 93,000
Flathead, Montana 31 $ 3,001,000 $ 96,806 $ 34,000
Jackson, Oregon 31 $ 6,970,000 $ 224,838 $ 94,000
Manatee, Florida 30 $ 7,483,000 $ 249,433 $ 117,000
Ulster, New York 30 $ 4,981,000 $ 166,033 $ 105,000
Union, North Carolina 30 $ 6,427,000 $ 214,233 $ 73,000
Greenville, South Carolina 30 $ 6,044,000 $ 201,466 $ 67,000
Utah, Utah 30 $ 6,374,000 $ 212,466 $ 70,000
Chittenden, Vermont 30 $ 5,771,000 $ 192,366 $ 63,000
Larimer, Colorado 29 $ 4,974,000 $ 171,517 $ 80,000
Middlesex, Connecticut 29 $ 6,505,000 $ 224,310 $ 97,000
Harford, Maryland 29 $ 4,952,000 $ 170,758 $ 68,000
Hunterdon, New Jersey 29 $ 7,796,000 $ 268,827 $ 150,000
Fauquier, Virginia 29 $ 7,718,000 $ 266,137 $ 104,000
Richmond City, Virginia 29 $ 6,305,000 $ 217,413 $ 78,000
Lake, Indiana 28 $ 4,859,000 $ 173,535 $ 78,000
Gallatin, Montana 28 $ 4,709,000 $ 168,178 $ 107,000
Williamson, Tennessee 28 $ 7,760,000 $ 277,142 $ 85,000
Beaufort, South Carolina 27 $ 8,368,000 $ 309,925 $ 109,000
Lake, Florida 26 $ 5,295,000 $ 203,653 $ 53,000
Strafford, New Hampshire 26 $ 4,882,000 $ 187,769 $ 88,000
Orange, North Carolina 26 $ 5,249,000 $ 201,884 $ 82,000
Marion, Oregon 26 $ 3,538,000 $ 136,076 $ 41,000
Kent, Rhode Island 26 $ 4,878,000 $ 187,615 $ 67,000
Denton, Texas 26 $ 5,930,000 $ 228,076 $ 53,000
Whatcom, Washington 26 $ 5,909,000 $ 227,269 $ 94,000
Baldwin, Alabama 25 $ 5,540,000 $ 221,600 $ 85,000
Madera, California 25 $ 3,501,000 $ 140,040 $ 40,000
Ingham, Michigan 25 $ 3,939,000 $ 157,560 $ 57,000
Forsyth, North Carolina 25 $ 3,290,000 $ 131,600 $ 73,000
Washington, Utah 25 $ 3,794,000 $ 151,760 $ 119,000
Jefferson, West Virginia 25 $ 4,235,000 $ 169,400 $ 50,000
Dane, Wisconsin 25 $ 6,519,000 $ 260,760 $ 99,000
St. Johns, Florida 24 $ 5,495,000 $ 228,958 $ 87,000
Saratoga, New York 24 $ 4,558,000 $ 189,916 $ 83,000
Butler, Ohio 24 $ 4,201,000 $ 175,041 $ 48,000
Montgomery, Ohio 24 $ 2,555,000 $ 106,458 $ 49,000
Kenosha, Wisconsin 24 $ 4,115,000 $ 171,458 $ 36,000
Kent, Michigan 23 $ 3,404,000 $ 148,000 $ 45,000
Douglas, Nebraska 23 $ 3,278,000 $ 142,521 $ 144,000
Douglas, Nevada 23 $ 6,893,000 $ 299,695 $ 81,000
Albany, New York 23 $ 3,324,000 $ 144,521 $ 86,000
Buncombe, North Carolina 23 $ 5,978,000 $ 259,913 $ 85,000
Escambia, Florida 22 $ 3,147,000 $ 143,045 $ 85,000
Scott, Minnesota 22 $ 3,823,000 $ 173,772 $ 51,000
Onondaga, New York 22 $ 2,526,000 $ 114,818 $ 73,000
Delaware, Ohio 22 $ 5,936,000 $ 269,818 $ 103,000
Berks, Pennsylvania 22 $ 3,462,000 $ 157,363 $ 68,000
Dauphin, Pennsylvania 22 $ 2,751,000 $ 125,045 $ 53,000
Hanover, Virginia 22 $ 3,531,000 $ 160,500 $ 67,000
Leon, Florida 21 $ 2,774,000 $ 132,095 $ 74,000
Okaloosa, Florida 21 $ 3,560,000 $ 169,523 $ 69,000
Chatham, Georgia 21 $ 5,550,000 $ 264,285 $ 76,000
Washington, Maryland 21 $ 2,923,000 $ 139,190 $ 43,000
Santa Fe, New Mexico 21 $ 5,931,000 $ 282,428 $ 86,000
Davis, Utah 21 $ 3,314,000 $ 157,809 $ 69,000
Calaveras, California 20 $ 4,508,000 $ 225,400 $ 85,000
San Benito, California 20 $ 6,733,000 $ 336,650 $ 104,000
Tuolumne, California 20 $ 4,772,000 $ 238,600 $ 85,000
Tolland, Connecticut 20 $ 2,684,000 $ 134,200 $ 70,000
Charlotte, Florida 20 $ 4,139,000 $ 206,950 $ 75,000
St. Lucie, Florida 20 $ 3,423,000 $ 171,150 $ 61,000
Marion, Indiana 20 $ 3,592,000 $ 179,600 $ 69,000
Genesee, Michigan 20 $ 3,115,000 $ 155,750 $ 53,000
Oklahoma, Oklahoma 20 $ 4,289,000 $ 214,450 $ 63,000
Pike, Pennsylvania 20 $ 2,137,000 $ 106,850 $ 77,000
Washington, Rhode Island 20 $ 4,058,000 $ 202,900 $ 75,000
Montgomery, Texas 20 $ 6,440,000 $ 322,000 $ 75,000
Norfolk, Virginia 20 $ 2,874,000 $ 143,700 $ 52,000
Pulaski, Arkansas 19 $ 3,695,000 $ 194,473 $ 92,000
Polk, Iowa 19 $ 2,880,000 $ 151,578 $ 82,000
Lafayette, Louisiana 19 $ 2,408,000 $ 126,736 $ 75,000
St. Mary's, Maryland 19 $ 4,263,000 $ 224,368 $ 56,000
St. Clair, Michigan 19 $ 3,450,000 $ 181,578 $ 47,000
Grafton, New Hampshire 19 $ 3,164,000 $ 166,526 $ 86,000
Merrimack, New Hampshire 19 $ 3,806,000 $ 200,315 $ 119,000
Lake, Ohio 19 $ 3,487,000 $ 183,526 $ 73,000
Lorain, Ohio 19 $ 3,354,000 $ 176,526 $ 74,000
Warren, Virginia 19 $ 2,799,000 $ 147,315 $ 72,000
Skagit, Washington 19 $ 3,917,000 $ 206,157 $ 58,000
Benton, Arkansas 18 $ 3,239,000 $ 179,944 $ 100,000
Hernando, Florida 18 $ 1,810,000 $ 100,555 $ 51,000
Marion, Florida 18 $ 2,206,000 $ 122,555 $ 82,000
Sedgwick, Kansas 18 $ 2,237,000 $ 124,277 $ 75,000
Worcester, Maryland 18 $ 4,220,000 $ 234,444 $ 83,000
Monroe, Michigan 18 $ 2,616,000 $ 145,333 $ 71,000
Cheshire, New Hampshire 18 $ 2,409,000 $ 133,833 $ 73,000
Brunswick, North Carolina 18 $ 4,706,000 $ 261,444 $ 75,000
Tulsa, Oklahoma 18 $ 2,820,000 $ 156,666 $ 73,000
Berkeley, West Virginia 18 $ 2,521,000 $ 140,055 $ 71,000
Racine, Wisconsin 18 $ 3,904,000 $ 216,888 $ 64,000
Shelby, Alabama 17 $ 3,461,000 $ 203,588 $ 65,000
Columbia, Georgia 17 $ 3,150,000 $ 185,294 $ 102,000
Fayette, Georgia 17 $ 4,379,000 $ 257,588 $ 140,000
Berkshire, Massachusetts 17 $ 3,192,000 $ 187,764 $ 139,000
Hampshire, Massachusetts 17 $ 2,986,000 $ 175,647 $ 77,000
St. Louis City, Missouri 17 $ 2,486,000 $ 146,235 $ 61,000
Clermont, Ohio 17 $ 2,336,000 $ 137,411 $ 80,000
Lincoln, Oregon 17 $ 2,702,000 $ 158,941 $ 67,000
Knox, Tennessee 17 $ 3,481,000 $ 204,764 $ 65,000
Manassas, Virginia 17 $ 3,177,000 $ 186,882 $ 40,000
Walworth, Wisconsin 17 $ 4,503,000 $ 264,882 $ 96,000
Kings, California 16 $ 2,071,000 $ 129,437 $ 50,000
Monroe, Florida 16 $ 4,713,000 $ 294,562 $ 96,000
Porter, Indiana 16 $ 2,572,000 $ 160,750 $ 104,000
Carroll, Maryland 16 $ 3,469,000 $ 216,812 $ 51,000
Hinds, Mississippi 16 $ 2,827,000 $ 176,687 $ 29,000
Sussex, New Jersey 16 $ 4,518,000 $ 282,375 $ 118,000
Lucas, Ohio 16 $ 2,368,000 $ 148,000 $ 71,000
James City, Virginia 16 $ 3,834,000 $ 239,625 $ 103,000
Washington, Wisconsin 16 $ 3,168,000 $ 198,000 $ 74,000
Yuma, Arizona 15 $ 1,895,000 $ 126,333 $ 75,000
Humboldt, California 15 $ 2,909,000 $ 193,933 $ 71,000
Imperial, California 15 $ 1,795,000 $ 119,666 $ 80,000
Weld, Colorado 15 $ 3,215,000 $ 214,333 $ 68,000
Bay, Florida 15 $ 3,500,000 $ 233,333 $ 84,000
Lapeer, Michigan 15 $ 2,218,000 $ 147,866 $ 82,000
Ottawa, Michigan 15 $ 2,167,000 $ 144,466 $ 59,000
Missoula, Montana 15 $ 1,689,000 $ 112,600 $ 66,000
Yellowstone, Montana 15 $ 1,198,000 $ 79,866 $ 40,000
Lancaster, Nebraska 15 $ 1,480,000 $ 98,666 $ 24,000
Lyon, Nevada 15 $ 2,079,000 $ 138,600 $ 68,000
Belknap, New Hampshire 15 $ 2,968,000 $ 197,866 $ 109,000
Sandoval, New Mexico 15 $ 3,385,000 $ 225,666 $ 89,000
Sullivan, New York 15 $ 2,576,000 $ 171,733 $ 89,000
Currituck, North Carolina 15 $ 3,798,000 $ 253,200 $ 62,000
Dare, North Carolina 15 $ 5,006,000 $ 333,733 $ 144,000
Warren, Ohio 15 $ 3,393,000 $ 226,200 $ 112,000
Cumberland, Pennsylvania 15 $ 2,597,000 $ 173,133 $ 101,000
York, South Carolina 15 $ 2,257,000 $ 150,466 $ 111,000
Hamilton, Tennessee 15 $ 2,813,000 $ 187,533 $ 86,000
Fort Bend, Texas 15 $ 3,094,000 $ 206,266 $ 115,000
Falls Church, Virginia 15 $ 5,833,000 $ 388,866 $ 120,000
Benton, Washington 15 $ 2,185,000 $ 145,666 $ 66,000
Mobile, Alabama 14 $ 2,507,000 $ 179,071 $ 52,000
Cochise, Arizona 14 $ 1,677,000 $ 119,785 $ 77,000
Amador, California 14 $ 3,137,000 $ 224,071 $ 56,000
Windham, Connecticut 14 $ 2,344,000 $ 167,428 $ 63,000
Henry, Georgia 14 $ 2,183,000 $ 155,928 $ 73,000
Blaine, Idaho 14 $ 4,222,000 $ 301,571 $ 150,000
Champaign, Illinois 14 $ 2,462,000 $ 175,857 $ 63,000
Kendall, Illinois 14 $ 2,391,000 $ 170,785 $ 58,000
St. Clair, Illinois 14 $ 1,609,000 $ 114,928 $ 30,000
Kalamazoo, Michigan 14 $ 2,411,000 $ 172,214 $ 70,000
Harrison, Mississippi 14 $ 1,453,000 $ 103,785 $ 69,000
Clay, Missouri 14 $ 2,276,000 $ 162,571 $ 44,000
Cabarrus, North Carolina 14 $ 2,668,000 $ 190,571 $ 67,000
Eagle, Colorado 13 $ 4,056,000 $ 312,000 $ 128,000
Martin, Florida 13 $ 3,505,000 $ 269,615 $ 96,000
Santa Rosa, Florida 13 $ 1,870,000 $ 143,846 $ 148,000
Bonner, Idaho 13 $ 2,314,000 $ 178,000 $ 60,000
Kennebec, Maine 13 $ 1,301,000 $ 100,076 $ 77,000
Oxford, Maine 13 $ 1,426,000 $ 109,692 $ 116,000
Carson City, Nevada 13 $ 2,583,000 $ 198,692 $ 77,000
Carteret, North Carolina 13 $ 3,045,000 $ 234,230 $ 69,000
Stark, Ohio 13 $ 1,920,000 $ 147,692 $ 50,000
Benton, Oregon 13 $ 2,605,000 $ 200,384 $ 72,000
Luzerne, Pennsylvania 13 $ 1,392,000 $ 107,076 $ 43,000
Richland, South Carolina 13 $ 1,744,000 $ 134,153 $ 51,000
Williamson, Texas 13 $ 2,183,000 $ 167,923 $ 87,000
Washington, Vermont 13 $ 2,520,000 $ 193,846 $ 91,000
Hampton, Virginia 13 $ 1,678,000 $ 129,076 $ 42,000
Newport News, Virginia 13 $ 1,343,000 $ 103,307 $ 43,000
Mendocino, California 12 $ 2,807,000 $ 233,916 $ 73,000
Alachua, Florida 12 $ 1,577,000 $ 131,416 $ 54,000
Clay, Florida 12 $ 1,317,000 $ 109,750 $ 28,000
Fayette, Kentucky 12 $ 2,390,000 $ 199,166 $ 89,000
Oldham, Kentucky 12 $ 2,149,000 $ 179,083 $ 62,000
Lafayette, Mississippi 12 $ 2,079,000 $ 173,250 $ 45,000
Greene, Ohio 12 $ 1,761,000 $ 146,750 $ 79,000
Medina, Ohio 12 $ 2,224,000 $ 185,333 $ 46,000
Linn, Oregon 12 $ 1,428,000 $ 119,000 $ 60,000
Washington, Pennsylvania 12 $ 1,469,000 $ 122,416 $ 61,000
Summit, Utah 12 $ 2,676,000 $ 223,000 $ 128,000
Windham, Vermont 12 $ 1,758,000 $ 146,500 $ 125,000
Albemarle, Virginia 12 $ 3,078,000 $ 256,500 $ 73,000
Fairfax City, Virginia 12 $ 3,367,000 $ 280,583 $ 96,000
Lake, California 11 $ 2,901,000 $ 263,727 $ 72,000
Summit, Colorado 11 $ 2,797,000 $ 254,272 $ 122,000
Caddo, Louisiana 11 $ 1,804,000 $ 164,000 $ 73,000
Cecil, Maryland 11 $ 1,859,000 $ 169,000 $ 36,000
Jackson, Michigan 11 $ 2,367,000 $ 215,181 $ 92,000
St. Louis, Minnesota 11 $ 1,549,000 $ 140,818 $ 63,000
Sarpy, Nebraska 11 $ 1,503,000 $ 136,636 $ 85,000
Carroll, New Hampshire 11 $ 2,794,000 $ 254,000 $ 166,000
Ontario, New York 11 $ 1,218,000 $ 110,727 $ 52,000
Cumberland, North Carolina 11 $ 1,950,000 $ 177,272 $ 67,000
Iredell, North Carolina 11 $ 2,366,000 $ 215,090 $ 69,000
Coos, Oregon 11 $ 1,788,000 $ 162,545 $ 56,000
Newport, Rhode Island 11 $ 3,008,000 $ 273,454 $ 60,000
Spartanburg, South Carolina 11 $ 1,838,000 $ 167,090 $ 66,000
Lamoille, Vermont 11 $ 1,724,000 $ 156,727 $ 96,000
Windsor, Vermont 11 $ 1,671,000 $ 151,909 $ 98,000
Culpeper, Virginia 11 $ 2,384,000 $ 216,727 $ 54,000
Jefferson, Washington 11 $ 1,767,000 $ 160,636 $ 85,000
Mono, California 10 $ 2,593,000 $ 259,300 $ 175,000
Sutter, California 10 $ 2,016,000 $ 201,600 $ 62,000
Walton, Florida 10 $ 2,362,000 $ 236,200 $ 105,000
Hall, Georgia 10 $ 2,020,000 $ 202,000 $ 90,000
Canyon, Idaho 10 $ 1,288,000 $ 128,800 $ 48,000
Madison, Illinois 10 $ 1,356,000 $ 135,600 $ 65,000
Winnebago, Illinois 10 $ 1,657,000 $ 165,700 $ 59,000
Shawnee, Kansas 10 $ 1,007,000 $ 100,700 $ 82,000
Ascension, Louisiana 10 $ 1,163,000 $ 116,300 $ 52,000
Livingston, Louisiana 10 $ 1,100,000 $ 110,000 $ 56,000
Penobscot, Maine 10 $ 1,320,000 $ 132,000 $ 59,000
Cumberland, New Jersey 10 $ 1,120,000 $ 112,000 $ 80,000
Warren, New Jersey 10 $ 2,083,000 $ 208,300 $ 102,000
Columbia, New York 10 $ 1,407,000 $ 140,700 $ 104,000
Oneida, New York 10 $ 1,047,000 $ 104,700 $ 59,000
Rensselaer, New York 10 $ 1,723,000 $ 172,300 $ 290,000
Chatham, North Carolina 10 $ 2,305,000 $ 230,500 $ 54,000
Gaston, North Carolina 10 $ 1,500,000 $ 150,000 $ 49,000
Lincoln, North Carolina 10 $ 2,135,000 $ 213,500 $ 113,000
Watauga, North Carolina 10 $ 1,580,000 $ 158,000 $ 61,000
Franklin, Pennsylvania 10 $ 1,575,000 $ 157,500 $ 107,000
Lebanon, Pennsylvania 10 $ 1,293,000 $ 129,300 $ 76,000
Berkeley, South Carolina 10 $ 1,682,000 $ 168,200 $ 60,000
Caroline, Virginia 10 $ 1,094,000 $ 109,400 $ 59,000
Frederick, Virginia 10 $ 1,674,000 $ 167,400 $ 43,000
York, Virginia 10 $ 2,441,000 $ 244,100 $ 48,000
Cowlitz, Washington 10 $ 1,068,000 $ 106,800 $ 56,000
Kanawha, West Virginia 10 $ 976,000 $ 97,600 $ 67,000
Tuscaloosa, Alabama 9 $ 2,218,000 $ 246,444 $ 100,000
Garland, Arkansas 9 $ 1,155,000 $ 128,333 $ 93,000
Washington, Arkansas 9 $ 1,133,000 $ 125,888 $ 72,000
Broomfield, Colorado 9 $ 2,190,000 $ 243,333 $ 71,000
Sussex, Delaware 9 $ 3,033,000 $ 337,000 $ 24,000
Flagler, Florida 9 $ 2,152,000 $ 239,111 $ 61,000
Indian River, Florida 9 $ 1,270,000 $ 141,111 $ 35,000
Kauai, Hawaii 9 $ 2,777,000 $ 308,555 $ 83,000
Peoria, Illinois 9 $ 1,393,000 $ 154,777 $ 15,000
Allen, Indiana 9 $ 1,932,000 $ 214,666 $ 67,000
Kenton, Kentucky 9 $ 1,622,000 $ 180,222 $ 45,000
Shelby, Kentucky 9 $ 1,249,000 $ 138,777 $ 12,000
Knox, Maine 9 $ 1,442,000 $ 160,222 $ 90,000
Sagadahoc, Maine 9 $ 1,109,000 $ 123,222 $ 100,000
Wicomico, Maryland 9 $ 1,280,000 $ 142,222 $ 65,000
Bay, Michigan 9 $ 1,455,000 $ 161,666 $ 0
Calhoun, Michigan 9 $ 1,481,000 $ 164,555 $ 44,000
Carver, Minnesota 9 $ 2,131,000 $ 236,777 $ 77,000
DeSoto, Mississippi 9 $ 1,197,000 $ 133,000 $ 62,000
Rankin, Mississippi 9 $ 1,148,000 $ 127,555 $ 42,000
Boone, Missouri 9 $ 1,151,000 $ 127,888 $ 38,000
Jefferson, Missouri 9 $ 1,053,000 $ 117,000 $ 75,000
Sullivan, New Hampshire 9 $ 1,223,000 $ 135,888 $ 90,000
Dona Ana, New Mexico 9 $ 1,843,000 $ 204,777 $ 177,000
Schenectady, New York 9 $ 776,000 $ 86,222 $ 55,000
Catawba, North Carolina 9 $ 1,208,000 $ 134,222 $ 89,000
Davidson, North Carolina 9 $ 1,306,000 $ 145,111 $ 38,000
Johnston, North Carolina 9 $ 1,468,000 $ 163,111 $ 61,000
Fairfield, Ohio 9 $ 1,178,000 $ 130,888 $ 89,000
Geauga, Ohio 9 $ 2,056,000 $ 228,444 $ 70,000
Columbia, Oregon 9 $ 1,454,000 $ 161,555 $ 41,000
Carbon, Pennsylvania 9 $ 933,000 $ 103,666 $ 73,000
Centre, Pennsylvania 9 $ 1,440,000 $ 160,000 $ 94,000
Lycoming, Pennsylvania 9 $ 929,000 $ 103,222 $ 69,000
Wayne, Pennsylvania 9 $ 1,376,000 $ 152,888 $ 152,000
Westmoreland, Pennsylvania 9 $ 1,827,000 $ 203,000 $ 81,000
Orange, Virginia 9 $ 1,141,000 $ 126,777 $ 90,000
Lewis, Washington 9 $ 868,000 $ 96,444 $ 57,000
Brown, Wisconsin 9 $ 970,000 $ 107,777 $ 31,000
Ozaukee, Wisconsin 9 $ 2,884,000 $ 320,444 $ 83,000
Lee, Alabama 8 $ 940,000 $ 117,500 $ 70,000
Navajo, Arizona 8 $ 1,606,000 $ 200,750 $ 113,000
Garfield, Colorado 8 $ 2,253,000 $ 281,625 $ 95,000
Mesa, Colorado 8 $ 1,891,000 $ 236,375 $ 56,000
Clayton, Georgia 8 $ 992,000 $ 124,000 $ 76,000
Coweta, Georgia 8 $ 1,602,000 $ 200,250 $ 186,000
Houston, Georgia 8 $ 966,000 $ 120,750 $ 57,000
Richmond, Georgia 8 $ 803,000 $ 100,375 $ 40,000
Boone, Illinois 8 $ 1,544,000 $ 193,000 $ 27,000
Boone, Kentucky 8 $ 1,523,000 $ 190,375 $ 63,000
Cascade, Montana 8 $ 674,000 $ 84,250 $ 79,000
Lewis and Clark, Montana 8 $ 913,000 $ 114,125 $ 69,000
Jefferson, New York 8 $ 1,093,000 $ 136,625 $ 195,000
Niagara, New York 8 $ 1,258,000 $ 157,250 $ 110,000
St. Lawrence, New York 8 $ 977,000 $ 122,125 $ 56,000
Warren, New York 8 $ 775,000 $ 96,875 $ 81,000
Moore, North Carolina 8 $ 1,521,000 $ 190,125 $ 81,000
Pitt, North Carolina 8 $ 1,301,000 $ 162,625 $ 44,000
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Mortgage Loan Application Detail Totals for E*Trade Bank 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 27,300 $6,643,342,000 $193,423 $2,400,000 $74,326 $7,800,000
Home Purchase 16,163 $4,186,005,000 $199,288 $1,980,000 $86,807 $6,000,000
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
Not applicable 13,791 $3,868,553,000 $239,942 $2,400,000 $1,442 $4,303,000
White 13,283 $3,091,256,000 $185,730 $1,000,000 $97,596 $2,400,000
Not Provided 12,406 $2,886,682,000 $175,442 $1,103,000 $94,000 $7,800,000
Asian 2,052 $585,809,000 $198,148 $1,000,000 $123,765 $1,260,000
Hispanic 1,097 $236,804,000 $175,891 $1,000,000 $89,543 $744,000
Black or African American 660 $119,124,000 $162,351 $950,000 $75,783 $696,000
Native Hawaiian or Other Pacific Islander 102 $26,480,000 $190,133 $935,000 $89,933 $360,000
American Indian or Alaskan Native 72 $14,639,000 $172,480 $544,000 $86,600 $300,000

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) 42,671 $10,747,885,000 $195,903 $2,400,000 $83,115 $7,800,000
FHA-insured (Federal Housing Administration) 792 $81,462,000 $99,920 $1,000,000 $440 $112,000
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
Loan Originated 15,563 $3,748,595,000 $183,269 $1,103,000 $95,769 $1,367,000
Loan Purchased By The Institution 14,007 $3,908,841,000 $239,750 $2,400,000 $2,000 $4,303,000
Application Denied By Financial Institution 8,996 $2,060,776,000 $182,250 $1,000,000 $92,865 $7,800,000
Application Withdrawn By Applicant 2,706 $589,807,000 $168,173 $1,000,000 $100,365 $1,440,000
Application Approved But Not Accepted 2,191 $521,328,000 $181,520 $1,000,000 $96,120 $1,620,000
File Closed For Incompleteness 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 Application Incomplete 5,259 $1,229,597,000 $189,250 $1,000,000 $102,057 $7,800,000
Debt-To-Income Ratio 1,229 $314,241,000 $194,347 $1,000,000 $75,956 $744,000
Credit History 1,058 $212,002,000 $167,122 $990,000 $78,224 $1,800,000
Collateral 580 $125,387,000 $170,530 $819,000 $106,000 $734,000
Other 511 $96,182,000 $167,840 $1,000,000 $77,181 $747,000
Employment History 165 $42,826,000 $212,722 $800,000 $111,722 $1,200,000
Unverifiable Information 119 $23,959,000 $169,965 $700,000 $82,586 $1,200,000
Insufficient Cash (Downpayment, Closing Cost) 68 $14,402,000 $175,434 $634,000 $81,130 $221,000
Mortgage Insurance Denied 7 $2,180,000 $209,200 $1,000,000 $90,200 $300,000

Our comprehensive HMDA mortgage statistics provide invaluable insights into E*Trade Bank'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 E*Trade Bank'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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