E*Trade Bank Mortgage Lending & HMDA Data, 2006

In 2006, E*Trade Bank of Arlington, VA reported 30,063 mortgage applications totaling $9.5 billion, down 30% from 2005. The average application was for $314,554, and applicants reported an average income of $99,436. 27% of its applications resulted in an originated loan and 25% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (1,736), New York-White Plains-Wayne, NY-NJ (1,349) and Denver-Aurora, CO (1,126) (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 30,063
Total Mortgage Loan Application Amount $9,456,454,000
Average Mortgage Loan Application Amount $314,554
Highest Mortgage Loan Application Amount $4,800,000
Average Applicant Income $99,436
Highest Applicant Income $9,100,000

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Act (HMDA) records E*Trade Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2006

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 1,736 $ 779,672,000 $ 449,119 $ 124,000
Orange, California 752 $ 364,320,000 $ 484,468 $ 104,000
Maricopa, Arizona 704 $ 210,676,000 $ 299,255 $ 90,000
San Diego, California 678 $ 289,648,000 $ 427,209 $ 95,000
Santa Clara, California 512 $ 269,407,000 $ 526,185 $ 114,000
Cook, Illinois 481 $ 146,626,000 $ 304,835 $ 71,000
Riverside, California 461 $ 153,385,000 $ 332,722 $ 86,000
Alameda, California 431 $ 207,701,000 $ 481,904 $ 103,000
Clark, Nevada 426 $ 109,576,000 $ 257,220 $ 108,000
Contra Costa, California 407 $ 187,237,000 $ 460,041 $ 78,000
San Bernardino, California 358 $ 104,097,000 $ 290,773 $ 83,000
Suffolk, New York 358 $ 130,779,000 $ 365,304 $ 136,000
King, Washington 356 $ 126,788,000 $ 356,146 $ 88,000
Denver, Colorado 304 $ 58,102,000 $ 191,125 $ 100,000
New York, New York 290 $ 204,498,000 $ 705,165 $ 266,000
Nassau, New York 287 $ 108,764,000 $ 378,968 $ 108,000
Fairfax, Virginia 265 $ 110,054,000 $ 415,298 $ 81,000
Sacramento, California 263 $ 75,909,000 $ 288,627 $ 95,000
Jefferson, Colorado 257 $ 50,511,000 $ 196,540 $ 104,000
San Mateo, California 249 $ 148,659,000 $ 597,024 $ 92,000
Montgomery, Maryland 222 $ 80,875,000 $ 364,301 $ 83,000
Kings, New York 222 $ 103,712,000 $ 467,171 $ 137,000
Arapahoe, Colorado 214 $ 40,974,000 $ 191,467 $ 95,000
Ventura, California 209 $ 103,460,000 $ 495,023 $ 82,000
Fairfield, Connecticut 187 $ 105,788,000 $ 565,711 $ 150,000
Queens, New York 187 $ 57,326,000 $ 306,556 $ 108,000
Westchester, New York 184 $ 84,487,000 $ 459,168 $ 180,000
Prince George's, Maryland 182 $ 45,690,000 $ 251,043 $ 109,000
Douglas, Colorado 181 $ 51,045,000 $ 282,016 $ 125,000
Fulton, Georgia 166 $ 43,589,000 $ 262,584 $ 89,000
District of Columbia, District Of Columbia 160 $ 54,377,000 $ 339,856 $ 111,000
Broward, Florida 157 $ 52,637,000 $ 335,267 $ 116,000
San Francisco, California 154 $ 85,974,000 $ 558,272 $ 102,000
Middlesex, Massachusetts 154 $ 54,243,000 $ 352,227 $ 103,000
Miami-Dade, Florida 144 $ 48,047,000 $ 333,659 $ 96,000
Hennepin, Minnesota 129 $ 37,805,000 $ 293,062 $ 92,000
San Joaquin, California 128 $ 42,970,000 $ 335,703 $ 74,000
Adams, Colorado 127 $ 18,856,000 $ 148,472 $ 92,000
Bergen, New Jersey 126 $ 55,019,000 $ 436,658 $ 125,000
Palm Beach, Florida 122 $ 39,990,000 $ 327,786 $ 98,000
Salt Lake, Utah 122 $ 24,341,000 $ 199,516 $ 92,000
Loudoun, Virginia 118 $ 56,253,000 $ 476,720 $ 63,000
El Paso, Colorado 117 $ 22,646,000 $ 193,555 $ 133,000
Pierce, Washington 117 $ 30,408,000 $ 259,897 $ 81,000
Pima, Arizona 115 $ 27,880,000 $ 242,434 $ 90,000
Orange, Florida 115 $ 31,468,000 $ 273,634 $ 79,000
Monmouth, New Jersey 106 $ 41,790,000 $ 394,245 $ 124,000
Sonoma, California 103 $ 48,299,000 $ 468,922 $ 85,000
Wake, North Carolina 101 $ 19,097,000 $ 189,079 $ 115,000
Solano, California 99 $ 39,775,000 $ 401,767 $ 69,000
Oakland, Michigan 99 $ 17,791,000 $ 179,707 $ 90,000
Mecklenburg, North Carolina 97 $ 24,931,000 $ 257,020 $ 87,000
Washington, Oregon 94 $ 21,773,000 $ 231,627 $ 95,000
Snohomish, Washington 94 $ 23,933,000 $ 254,606 $ 86,000
Middlesex, New Jersey 93 $ 23,083,000 $ 248,204 $ 98,000
DuPage, Illinois 92 $ 32,493,000 $ 353,184 $ 75,000
Boulder, Colorado 90 $ 27,824,000 $ 309,155 $ 96,000
Hillsborough, Florida 89 $ 22,784,000 $ 256,000 $ 84,000
Essex, New Jersey 88 $ 31,160,000 $ 354,090 $ 136,000
Placer, California 86 $ 33,849,000 $ 393,593 $ 94,000
Morris, New Jersey 84 $ 39,235,000 $ 467,083 $ 120,000
Multnomah, Oregon 84 $ 22,307,000 $ 265,559 $ 163,000
Anne Arundel, Maryland 83 $ 28,452,000 $ 342,795 $ 75,000
Hudson, New Jersey 83 $ 25,017,000 $ 301,409 $ 102,000
Will, Illinois 82 $ 20,580,000 $ 250,975 $ 84,000
Prince William, Virginia 82 $ 27,871,000 $ 339,890 $ 54,000
Marin, California 81 $ 52,320,000 $ 645,925 $ 141,000
Pinal, Arizona 78 $ 12,545,000 $ 160,833 $ 72,000
Stanislaus, California 78 $ 24,546,000 $ 314,692 $ 51,000
Santa Cruz, California 77 $ 37,910,000 $ 492,337 $ 79,000
Lake, Illinois 77 $ 31,292,000 $ 406,389 $ 65,000
Philadelphia, Pennsylvania 77 $ 13,171,000 $ 171,051 $ 65,000
DeKalb, Georgia 75 $ 12,161,000 $ 162,146 $ 81,000
Gwinnett, Georgia 74 $ 13,335,000 $ 180,202 $ 86,000
Fresno, California 73 $ 19,225,000 $ 263,356 $ 71,000
Montgomery, Pennsylvania 73 $ 13,638,000 $ 186,821 $ 111,000
Washoe, Nevada 72 $ 22,458,000 $ 311,916 $ 101,000
Ocean, New Jersey 72 $ 24,236,000 $ 336,611 $ 123,000
El Dorado, California 71 $ 25,147,000 $ 354,183 $ 65,000
Lee, Florida 71 $ 23,492,000 $ 330,873 $ 59,000
Cobb, Georgia 71 $ 13,585,000 $ 191,338 $ 105,000
Norfolk, Massachusetts 71 $ 24,174,000 $ 340,478 $ 119,000
Richmond, New York 71 $ 21,331,000 $ 300,436 $ 107,000
New Haven, Connecticut 70 $ 15,097,000 $ 215,671 $ 106,000
Baltimore, Maryland 70 $ 15,703,000 $ 224,328 $ 84,000
San Luis Obispo, California 68 $ 32,502,000 $ 477,970 $ 80,000
Pinellas, Florida 68 $ 21,040,000 $ 309,411 $ 55,000
Bernalillo, New Mexico 68 $ 10,409,000 $ 153,073 $ 96,000
Bronx, New York 68 $ 19,619,000 $ 288,514 $ 141,000
Monterey, California 66 $ 33,359,000 $ 505,439 $ 63,000
Kern, California 65 $ 15,791,000 $ 242,938 $ 78,000
Frederick, Maryland 64 $ 19,395,000 $ 303,046 $ 122,000
Essex, Massachusetts 64 $ 18,311,000 $ 286,109 $ 84,000
Larimer, Colorado 63 $ 13,024,000 $ 206,730 $ 90,000
Bucks, Pennsylvania 61 $ 15,991,000 $ 262,147 $ 112,000
St. Louis, Missouri 60 $ 19,886,000 $ 331,433 $ 88,000
Union, New Jersey 60 $ 22,881,000 $ 381,350 $ 96,000
Travis, Texas 60 $ 14,650,000 $ 244,166 $ 108,000
Honolulu, Hawaii 58 $ 25,911,000 $ 446,741 $ 117,000
Howard, Maryland 58 $ 21,345,000 $ 368,017 $ 82,000
Harris, Texas 58 $ 21,472,000 $ 370,206 $ 89,000
Worcester, Massachusetts 57 $ 11,147,000 $ 195,561 $ 91,000
Duval, Florida 56 $ 13,064,000 $ 233,285 $ 62,000
Suffolk, Massachusetts 56 $ 18,404,000 $ 328,642 $ 115,000
Somerset, New Jersey 56 $ 23,986,000 $ 428,321 $ 119,000
Dallas, Texas 56 $ 23,124,000 $ 412,928 $ 78,000
Utah, Utah 56 $ 12,659,000 $ 226,053 $ 73,000
Ada, Idaho 55 $ 10,530,000 $ 191,454 $ 71,000
Burlington, New Jersey 53 $ 10,350,000 $ 195,283 $ 86,000
Chester, Pennsylvania 53 $ 14,638,000 $ 276,188 $ 89,000
Arlington, Virginia 53 $ 19,921,000 $ 375,867 $ 124,000
Santa Barbara, California 52 $ 25,749,000 $ 495,173 $ 55,000
Collier, Florida 51 $ 25,411,000 $ 498,254 $ 59,000
Cuyahoga, Ohio 51 $ 13,240,000 $ 259,607 $ 95,000
Wayne, Michigan 50 $ 7,447,000 $ 148,940 $ 80,000
Johnson, Kansas 49 $ 10,971,000 $ 223,897 $ 82,000
Jackson, Missouri 49 $ 6,126,000 $ 125,020 $ 71,000
Eagle, Colorado 48 $ 34,207,000 $ 712,645 $ 179,000
Hartford, Connecticut 47 $ 9,775,000 $ 207,978 $ 112,000
Passaic, New Jersey 47 $ 13,212,000 $ 281,106 $ 93,000
Rockland, New York 47 $ 16,489,000 $ 350,829 $ 123,000
Allegheny, Pennsylvania 47 $ 8,726,000 $ 185,659 $ 105,000
Shelby, Tennessee 46 $ 8,613,000 $ 187,239 $ 109,000
Baltimore City, Maryland 45 $ 7,590,000 $ 168,666 $ 54,000
Virginia Beach, Virginia 45 $ 14,277,000 $ 317,266 $ 88,000
Clark, Washington 45 $ 11,935,000 $ 265,222 $ 91,000
Delaware, Pennsylvania 44 $ 11,937,000 $ 271,295 $ 87,000
Jefferson, Alabama 43 $ 8,288,000 $ 192,744 $ 90,000
Weld, Colorado 43 $ 8,539,000 $ 198,581 $ 99,000
Franklin, Ohio 43 $ 7,630,000 $ 177,441 $ 102,000
Clackamas, Oregon 43 $ 15,330,000 $ 356,511 $ 74,000
Plymouth, Massachusetts 42 $ 10,132,000 $ 241,238 $ 105,000
Rockingham, New Hampshire 41 $ 10,296,000 $ 251,121 $ 113,000
Mercer, New Jersey 40 $ 10,882,000 $ 272,050 $ 92,000
Brevard, Florida 39 $ 8,958,000 $ 229,692 $ 49,000
Sarasota, Florida 39 $ 18,482,000 $ 473,897 $ 45,000
Kane, Illinois 39 $ 11,203,000 $ 287,256 $ 60,000
Thurston, Washington 39 $ 8,417,000 $ 215,820 $ 76,000
Sussex, New Jersey 38 $ 7,944,000 $ 209,052 $ 96,000
Dutchess, New York 38 $ 10,569,000 $ 278,131 $ 118,000
Charleston, South Carolina 38 $ 16,617,000 $ 437,289 $ 50,000
Yavapai, Arizona 37 $ 10,720,000 $ 289,729 $ 77,000
Camden, New Jersey 37 $ 6,949,000 $ 187,810 $ 84,000
Henrico, Virginia 36 $ 7,942,000 $ 220,611 $ 130,000
Forsyth, Georgia 35 $ 8,386,000 $ 239,600 $ 80,000
Hillsborough, New Hampshire 35 $ 9,429,000 $ 269,400 $ 160,000
McHenry, Illinois 34 $ 8,080,000 $ 237,647 $ 78,000
Harford, Maryland 34 $ 7,483,000 $ 220,088 $ 57,000
Orange, New York 34 $ 8,222,000 $ 241,823 $ 96,000
New Hanover, North Carolina 34 $ 10,170,000 $ 299,117 $ 56,000
Deschutes, Oregon 34 $ 10,347,000 $ 304,323 $ 97,000
Davis, Utah 34 $ 6,300,000 $ 185,294 $ 62,000
Milwaukee, Wisconsin 34 $ 4,237,000 $ 124,617 $ 85,000
Ramsey, Minnesota 33 $ 7,365,000 $ 223,181 $ 76,000
Tarrant, Texas 33 $ 10,406,000 $ 315,333 $ 96,000
Osceola, Florida 32 $ 8,531,000 $ 266,593 $ 64,000
Calvert, Maryland 32 $ 9,897,000 $ 309,281 $ 48,000
Bexar, Texas 32 $ 6,983,000 $ 218,218 $ 95,000
Kitsap, Washington 32 $ 7,125,000 $ 222,656 $ 98,000
Polk, Florida 31 $ 5,195,000 $ 167,580 $ 52,000
Hawaii, Hawaii 31 $ 13,991,000 $ 451,322 $ 151,000
Denton, Texas 31 $ 9,142,000 $ 294,903 $ 96,000
Alexandria, Virginia 31 $ 14,198,000 $ 458,000 $ 53,000
Manatee, Florida 30 $ 9,776,000 $ 325,866 $ 56,000
Dakota, Minnesota 30 $ 6,083,000 $ 202,766 $ 59,000
Yolo, California 29 $ 11,705,000 $ 403,620 $ 139,000
Cumberland, Maine 29 $ 5,669,000 $ 195,482 $ 90,000
Barnstable, Massachusetts 29 $ 12,065,000 $ 416,034 $ 131,000
Guilford, North Carolina 29 $ 6,018,000 $ 207,517 $ 101,000
Providence, Rhode Island 29 $ 5,789,000 $ 199,620 $ 94,000
Collin, Texas 29 $ 7,124,000 $ 245,655 $ 96,000
Chesterfield, Virginia 29 $ 5,102,000 $ 175,931 $ 71,000
Shasta, California 28 $ 5,474,000 $ 195,500 $ 85,000
Jefferson, Kentucky 28 $ 5,906,000 $ 210,928 $ 82,000
Atlantic, New Jersey 28 $ 7,377,000 $ 263,464 $ 67,000
Gloucester, New Jersey 28 $ 6,295,000 $ 224,821 $ 118,000
Erie, New York 28 $ 3,516,000 $ 125,571 $ 94,000
Waukesha, Wisconsin 28 $ 6,577,000 $ 234,892 $ 100,000
Anchorage, Alaska 27 $ 7,453,000 $ 276,037 $ 123,000
Escambia, Florida 27 $ 5,728,000 $ 212,148 $ 55,000
Charles, Maryland 27 $ 7,333,000 $ 271,592 $ 109,000
Beaufort, South Carolina 27 $ 11,906,000 $ 440,962 $ 58,000
Spokane, Washington 27 $ 6,340,000 $ 234,814 $ 112,000
Madison, Alabama 26 $ 3,419,000 $ 131,500 $ 102,000
Mohave, Arizona 26 $ 6,274,000 $ 241,307 $ 162,000
Pulaski, Arkansas 26 $ 4,700,000 $ 180,769 $ 72,000
Pasco, Florida 26 $ 4,986,000 $ 191,769 $ 69,000
Seminole, Florida 26 $ 6,494,000 $ 249,769 $ 69,000
Dona Ana, New Mexico 26 $ 3,835,000 $ 147,500 $ 100,000
New Castle, Delaware 25 $ 3,031,000 $ 121,240 $ 67,000
Volusia, Florida 25 $ 4,928,000 $ 197,120 $ 89,000
Maui, Hawaii 25 $ 11,713,000 $ 468,520 $ 51,000
Whatcom, Washington 25 $ 5,669,000 $ 226,760 $ 84,000
Dane, Wisconsin 25 $ 4,768,000 $ 190,720 $ 77,000
Merced, California 24 $ 6,549,000 $ 272,875 $ 56,000
Napa, California 24 $ 11,070,000 $ 461,250 $ 51,000
Nevada, California 24 $ 9,842,000 $ 410,083 $ 55,000
Summit, Colorado 24 $ 10,275,000 $ 428,125 $ 127,000
Lake, Florida 24 $ 5,321,000 $ 221,708 $ 117,000
Okaloosa, Florida 24 $ 9,138,000 $ 380,750 $ 57,000
Hamilton, Indiana 24 $ 6,743,000 $ 280,958 $ 94,000
Bristol, Massachusetts 24 $ 6,192,000 $ 258,000 $ 99,000
Washington, Minnesota 24 $ 7,439,000 $ 309,958 $ 108,000
Cape May, New Jersey 24 $ 12,144,000 $ 506,000 $ 66,000
Putnam, New York 24 $ 6,250,000 $ 260,416 $ 100,000
Davidson, Tennessee 24 $ 4,868,000 $ 202,833 $ 75,000
Baldwin, Alabama 23 $ 3,961,000 $ 172,217 $ 87,000
St. Lucie, Florida 23 $ 4,598,000 $ 199,913 $ 76,000
Cherokee, Georgia 23 $ 3,207,000 $ 139,434 $ 73,000
Washtenaw, Michigan 23 $ 8,034,000 $ 349,304 $ 113,000
Northampton, Pennsylvania 23 $ 3,857,000 $ 167,695 $ 77,000
York, South Carolina 23 $ 4,346,000 $ 188,956 $ 86,000
Stafford, Virginia 23 $ 6,505,000 $ 282,826 $ 58,000
Shelby, Alabama 22 $ 3,653,000 $ 166,045 $ 78,000
Benton, Arkansas 22 $ 3,309,000 $ 150,409 $ 89,000
Tulare, California 22 $ 4,390,000 $ 199,545 $ 94,000
Litchfield, Connecticut 22 $ 7,143,000 $ 324,681 $ 171,000
Coweta, Georgia 22 $ 3,695,000 $ 167,954 $ 99,000
Canyon, Idaho 22 $ 3,200,000 $ 145,454 $ 62,000
Polk, Iowa 22 $ 2,324,000 $ 105,636 $ 112,000
Carroll, Maryland 22 $ 6,672,000 $ 303,272 $ 59,000
Macomb, Michigan 22 $ 2,329,000 $ 105,863 $ 102,000
Hunterdon, New Jersey 22 $ 7,865,000 $ 357,500 $ 115,000
Sandoval, New Mexico 22 $ 3,364,000 $ 152,909 $ 86,000
Santa Fe, New Mexico 22 $ 8,695,000 $ 395,227 $ 79,000
Union, North Carolina 22 $ 5,443,000 $ 247,409 $ 63,000
Chesapeake, Virginia 22 $ 4,954,000 $ 225,181 $ 95,000
Marion, Indiana 21 $ 4,127,000 $ 196,523 $ 125,000
Hampden, Massachusetts 21 $ 2,937,000 $ 139,857 $ 77,000
Douglas, Nevada 21 $ 6,031,000 $ 287,190 $ 69,000
Iredell, North Carolina 21 $ 4,720,000 $ 224,761 $ 72,000
Imperial, California 20 $ 3,740,000 $ 187,000 $ 76,000
New London, Connecticut 20 $ 7,114,000 $ 355,700 $ 121,000
Kootenai, Idaho 20 $ 5,341,000 $ 267,050 $ 51,000
Dare, North Carolina 20 $ 8,576,000 $ 428,800 $ 36,000
Monroe, Pennsylvania 20 $ 2,591,000 $ 129,550 $ 103,000
Summit, Utah 20 $ 9,337,000 $ 466,850 $ 131,000
Fauquier, Virginia 20 $ 5,645,000 $ 282,250 $ 113,000
Spotsylvania, Virginia 20 $ 5,421,000 $ 271,050 $ 153,000
Coconino, Arizona 19 $ 6,041,000 $ 317,947 $ 74,000
Monroe, Florida 19 $ 9,783,000 $ 514,894 $ 46,000
Summit, Ohio 19 $ 2,861,000 $ 150,578 $ 106,000
Lancaster, Pennsylvania 19 $ 2,709,000 $ 142,578 $ 169,000
Butte, California 18 $ 3,837,000 $ 213,166 $ 72,000
Bay, Florida 18 $ 6,392,000 $ 355,111 $ 48,000
St. Johns, Florida 18 $ 8,001,000 $ 444,500 $ 107,000
Carver, Minnesota 18 $ 7,198,000 $ 399,888 $ 63,000
Buncombe, North Carolina 18 $ 3,880,000 $ 215,555 $ 98,000
Fort Bend, Texas 18 $ 4,902,000 $ 272,333 $ 126,000
Butler, Ohio 17 $ 3,027,000 $ 178,058 $ 80,000
Delaware, Ohio 17 $ 4,157,000 $ 244,529 $ 98,000
Hamilton, Ohio 17 $ 3,843,000 $ 226,058 $ 81,000
Jackson, Oregon 17 $ 4,932,000 $ 290,117 $ 75,000
Lane, Oregon 17 $ 3,486,000 $ 205,058 $ 69,000
Williamson, Tennessee 17 $ 7,796,000 $ 458,588 $ 84,000
Chittenden, Vermont 17 $ 4,261,000 $ 250,647 $ 85,000
Berkeley, West Virginia 17 $ 2,771,000 $ 163,000 $ 76,000
Jefferson, West Virginia 17 $ 3,110,000 $ 182,941 $ 63,000
Madera, California 16 $ 4,224,000 $ 264,000 $ 74,000
San Benito, California 16 $ 6,077,000 $ 379,812 $ 210,000
Indian River, Florida 16 $ 5,128,000 $ 320,500 $ 144,000
York, Maine 16 $ 4,794,000 $ 299,625 $ 130,000
St. Charles, Missouri 16 $ 2,355,000 $ 147,187 $ 82,000
Gallatin, Montana 16 $ 6,052,000 $ 378,250 $ 161,000
Durham, North Carolina 16 $ 3,137,000 $ 196,062 $ 86,000
Marion, Oregon 16 $ 2,977,000 $ 186,062 $ 77,000
Berks, Pennsylvania 16 $ 1,789,000 $ 111,812 $ 76,000
Lehigh, Pennsylvania 16 $ 2,815,000 $ 175,937 $ 85,000
Mobile, Alabama 15 $ 1,228,000 $ 81,866 $ 54,000
Mendocino, California 15 $ 5,846,000 $ 389,733 $ 135,000
Broomfield, Colorado 15 $ 2,429,000 $ 161,933 $ 104,000
Charlotte, Florida 15 $ 4,992,000 $ 332,800 $ 54,000
Leon, Florida 15 $ 3,819,000 $ 254,600 $ 109,000
Chatham, Georgia 15 $ 3,357,000 $ 223,800 $ 101,000
Henry, Georgia 15 $ 3,650,000 $ 243,333 $ 128,000
Paulding, Georgia 15 $ 1,921,000 $ 128,066 $ 64,000
Warren, New Jersey 15 $ 3,309,000 $ 220,600 $ 58,000
Ulster, New York 15 $ 2,700,000 $ 180,000 $ 135,000
Williamson, Texas 15 $ 2,729,000 $ 181,933 $ 140,000
Albemarle, Virginia 15 $ 5,127,000 $ 341,800 $ 107,000
Mesa, Colorado 14 $ 2,901,000 $ 207,214 $ 103,000
Park, Colorado 14 $ 2,411,000 $ 172,214 $ 108,000
Douglas, Georgia 14 $ 1,404,000 $ 100,285 $ 55,000
Orleans, Louisiana 14 $ 2,322,000 $ 165,857 $ 117,000
St. Tammany, Louisiana 14 $ 2,511,000 $ 179,357 $ 139,000
Flathead, Montana 14 $ 3,628,000 $ 259,142 $ 85,000
Carson City, Nevada 14 $ 3,165,000 $ 226,071 $ 98,000
Brunswick, North Carolina 14 $ 6,192,000 $ 442,285 $ 72,000
Orange, North Carolina 14 $ 4,843,000 $ 345,928 $ 125,000
Tulsa, Oklahoma 14 $ 4,360,000 $ 311,428 $ 238,000
Navajo, Arizona 13 $ 2,975,000 $ 228,846 $ 80,000
Routt, Colorado 13 $ 3,992,000 $ 307,076 $ 81,000
Middlesex, Connecticut 13 $ 3,041,000 $ 233,923 $ 90,000
Lake, Indiana 13 $ 1,400,000 $ 107,692 $ 88,000
Jefferson, Louisiana 13 $ 1,758,000 $ 135,230 $ 90,000
Kent, Michigan 13 $ 3,585,000 $ 275,769 $ 129,000
Livingston, Michigan 13 $ 2,189,000 $ 168,384 $ 105,000
Anoka, Minnesota 13 $ 2,137,000 $ 164,384 $ 97,000
St. Louis City, Missouri 13 $ 2,632,000 $ 202,461 $ 62,000
Douglas, Nebraska 13 $ 1,902,000 $ 146,307 $ 101,000
Columbia, New York 13 $ 2,910,000 $ 223,846 $ 113,000
Pueblo, Colorado 12 $ 1,264,000 $ 105,333 $ 75,000
Flagler, Florida 12 $ 3,395,000 $ 282,916 $ 83,000
Fayette, Kentucky 12 $ 1,715,000 $ 142,916 $ 118,000
Merrimack, New Hampshire 12 $ 1,616,000 $ 134,666 $ 85,000
Monroe, New York 12 $ 972,000 $ 81,000 $ 86,000
Cumberland, Pennsylvania 12 $ 2,558,000 $ 213,166 $ 133,000
Berkeley, South Carolina 12 $ 4,181,000 $ 348,416 $ 17,000
Horry, South Carolina 12 $ 2,774,000 $ 231,166 $ 63,000
Hamilton, Tennessee 12 $ 1,650,000 $ 137,500 $ 89,000
Washington, Utah 12 $ 2,972,000 $ 247,666 $ 94,000
Kenosha, Wisconsin 12 $ 2,593,000 $ 216,083 $ 86,000
Tuscaloosa, Alabama 11 $ 2,205,000 $ 200,454 $ 145,000
Lake, California 11 $ 3,518,000 $ 319,818 $ 154,000
Sussex, Delaware 11 $ 4,259,000 $ 387,181 $ 24,000
Hernando, Florida 11 $ 1,590,000 $ 144,545 $ 78,000
Santa Rosa, Florida 11 $ 1,800,000 $ 163,636 $ 100,000
Clayton, Georgia 11 $ 1,137,000 $ 103,363 $ 58,000
Sedgwick, Kansas 11 $ 1,383,000 $ 125,727 $ 129,000
Cecil, Maryland 11 $ 2,132,000 $ 193,818 $ 85,000
Olmsted, Minnesota 11 $ 1,123,000 $ 102,090 $ 104,000
DeSoto, Mississippi 11 $ 1,711,000 $ 155,545 $ 98,000
Cumberland, New Jersey 11 $ 1,598,000 $ 145,272 $ 68,000
Rensselaer, New York 11 $ 1,174,000 $ 106,727 $ 58,000
Saratoga, New York 11 $ 1,596,000 $ 145,090 $ 78,000
Carteret, North Carolina 11 $ 4,964,000 $ 451,272 $ 70,000
Gaston, North Carolina 11 $ 1,341,000 $ 121,909 $ 101,000
Onslow, North Carolina 11 $ 1,508,000 $ 137,090 $ 69,000
Warren, Ohio 11 $ 2,718,000 $ 247,090 $ 79,000
Oklahoma, Oklahoma 11 $ 1,758,000 $ 159,818 $ 225,000
Washington, Pennsylvania 11 $ 1,215,000 $ 110,454 $ 116,000
York, Pennsylvania 11 $ 1,907,000 $ 173,363 $ 100,000
Montgomery, Texas 11 $ 3,981,000 $ 361,909 $ 80,000
Calaveras, California 10 $ 2,727,000 $ 272,700 $ 108,000
Elbert, Colorado 10 $ 2,785,000 $ 278,500 $ 91,000
Tolland, Connecticut 10 $ 1,611,000 $ 161,100 $ 93,000
Hall, Georgia 10 $ 2,632,000 $ 263,200 $ 106,000
DeKalb, Illinois 10 $ 1,025,000 $ 102,500 $ 63,000
St. Clair, Illinois 10 $ 1,122,000 $ 112,200 $ 71,000
Pottawattamie, Iowa 10 $ 1,331,000 $ 133,100 $ 41,000
Washington, Maryland 10 $ 2,381,000 $ 238,100 $ 61,000
Genesee, Michigan 10 $ 2,496,000 $ 249,600 $ 125,000
Rice, Minnesota 10 $ 2,144,000 $ 214,400 $ 55,000
Onondaga, New York 10 $ 732,000 $ 73,200 $ 96,000
Cabarrus, North Carolina 10 $ 1,301,000 $ 130,100 $ 80,000
Montgomery, Ohio 10 $ 1,397,000 $ 139,700 $ 78,000
Dauphin, Pennsylvania 10 $ 1,701,000 $ 170,100 $ 61,000
Washington, Rhode Island 10 $ 2,916,000 $ 291,600 $ 214,000
Greenville, South Carolina 10 $ 2,372,000 $ 237,200 $ 43,000
Knox, Tennessee 10 $ 2,966,000 $ 296,600 $ 64,000
Washington, Vermont 10 $ 1,676,000 $ 167,600 $ 68,000
Windsor, Vermont 10 $ 3,813,000 $ 381,300 $ 82,000
Richmond City, Virginia 10 $ 2,131,000 $ 213,100 $ 59,000
Island, Washington 10 $ 3,135,000 $ 313,500 $ 73,000
Humboldt, California 9 $ 2,343,000 $ 260,333 $ 73,000
La Plata, Colorado 9 $ 2,422,000 $ 269,111 $ 86,000
Lake, Colorado 9 $ 950,000 $ 105,555 $ 74,000
Pitkin, Colorado 9 $ 10,728,000 $ 1,192,000 $ 217,000
Kent, Delaware 9 $ 998,000 $ 110,888 $ 55,000
Martin, Florida 9 $ 5,165,000 $ 573,888 $ 110,000
Walton, Florida 9 $ 4,503,000 $ 500,333 $ 61,000
Fayette, Georgia 9 $ 2,042,000 $ 226,888 $ 109,000
St. Joseph, Indiana 9 $ 2,026,000 $ 225,111 $ 135,000
Shawnee, Kansas 9 $ 1,250,000 $ 138,888 $ 93,000
East Baton Rouge, Louisiana 9 $ 1,785,000 $ 198,333 $ 89,000
Hancock, Maine 9 $ 1,557,000 $ 173,000 $ 109,000
Harrison, Mississippi 9 $ 1,446,000 $ 160,666 $ 133,000
San Juan, New Mexico 9 $ 1,588,000 $ 176,444 $ 115,000
Albany, New York 9 $ 1,212,000 $ 134,666 $ 118,000
Forsyth, North Carolina 9 $ 1,991,000 $ 221,222 $ 94,000
Lake, Ohio 9 $ 1,299,000 $ 144,333 $ 109,000
Polk, Oregon 9 $ 1,744,000 $ 193,777 $ 73,000
Yamhill, Oregon 9 $ 1,546,000 $ 171,777 $ 61,000
Adams, Pennsylvania 9 $ 1,656,000 $ 184,000 $ 94,000
Richland, South Carolina 9 $ 1,756,000 $ 195,111 $ 117,000
Weber, Utah 9 $ 1,766,000 $ 196,222 $ 76,000
Rutland, Vermont 9 $ 2,514,000 $ 279,333 $ 275,000
Windham, Vermont 9 $ 2,772,000 $ 308,000 $ 122,000
Hanover, Virginia 9 $ 1,435,000 $ 159,444 $ 82,000
Norfolk, Virginia 9 $ 2,329,000 $ 258,777 $ 133,000
Walworth, Wisconsin 9 $ 1,473,000 $ 163,666 $ 79,000
Washington, Arkansas 8 $ 1,088,000 $ 136,000 $ 112,000
Grand, Colorado 8 $ 3,294,000 $ 411,750 $ 187,000
Citrus, Florida 8 $ 1,558,000 $ 194,750 $ 46,000
Kauai, Hawaii 8 $ 3,858,000 $ 482,250 $ 72,000
Kendall, Illinois 8 $ 992,000 $ 124,000 $ 62,000
Peoria, Illinois 8 $ 1,177,000 $ 147,125 $ 235,000
LaPorte, Indiana 8 $ 1,246,000 $ 155,750 $ 73,000
Bossier, Louisiana 8 $ 867,000 $ 108,375 $ 82,000
Kennebec, Maine 8 $ 1,203,000 $ 150,375 $ 102,000
Berkshire, Massachusetts 8 $ 2,610,000 $ 326,250 $ 222,000
Dukes, Massachusetts 8 $ 3,719,000 $ 464,875 $ 91,000
Berrien, Michigan 8 $ 1,402,000 $ 175,250 $ 61,000
Scott, Minnesota 8 $ 1,521,000 $ 190,125 $ 101,000
Boone, Missouri 8 $ 597,000 $ 74,625 $ 53,000
Lancaster, Nebraska 8 $ 1,336,000 $ 167,000 $ 64,000
Cheshire, New Hampshire 8 $ 1,466,000 $ 183,250 $ 93,000
Broome, New York 8 $ 905,000 $ 113,125 $ 97,000
Delaware, New York 8 $ 1,728,000 $ 216,000 $ 160,000
Niagara, New York 8 $ 626,000 $ 78,250 $ 75,000
Sullivan, New York 8 $ 1,065,000 $ 133,125 $ 151,000
Currituck, North Carolina 8 $ 4,610,000 $ 576,250 $ 21,000
Mahoning, Ohio 8 $ 882,000 $ 110,250 $ 107,000
Benton, Oregon 8 $ 1,527,000 $ 190,875 $ 89,000
Luzerne, Pennsylvania 8 $ 1,366,000 $ 170,750 $ 113,000
Lexington, South Carolina 8 $ 2,256,000 $ 282,000 $ 72,000
Nueces, Texas 8 $ 1,834,000 $ 229,250 $ 115,000
Kanawha, West Virginia 8 $ 507,000 $ 63,375 $ 234,000
Brown, Wisconsin 8 $ 2,106,000 $ 263,250 $ 121,000
Faulkner, Arkansas 7 $ 588,000 $ 84,000 $ 89,000
Sebastian, Arkansas 7 $ 344,000 $ 49,142 $ 57,000
Mono, California 7 $ 3,783,000 $ 540,428 $ 183,000
Chaffee, Colorado 7 $ 1,583,000 $ 226,142 $ 69,000
Garfield, Colorado 7 $ 1,715,000 $ 245,000 $ 125,000
Clay, Florida 7 $ 1,372,000 $ 196,000 $ 35,000
Marion, Florida 7 $ 688,000 $ 98,285 $ 55,000
Bonneville, Idaho 7 $ 1,135,000 $ 162,142 $ 81,000
Champaign, Illinois 7 $ 858,000 $ 122,571 $ 99,000
Winnebago, Illinois 7 $ 616,000 $ 88,000 $ 98,000
Floyd, Indiana 7 $ 607,000 $ 86,714 $ 71,000
Porter, Indiana 7 $ 1,222,000 $ 174,571 $ 76,000
Dallas, Iowa 7 $ 1,034,000 $ 147,714 $ 105,000
Knox, Maine 7 $ 1,979,000 $ 282,714 $ 209,000
St. Mary's, Maryland 7 $ 2,144,000 $ 306,285 $ 105,000
Hampshire, Massachusetts 7 $ 1,107,000 $ 158,142 $ 217,000
Missoula, Montana 7 $ 2,029,000 $ 289,857 $ 73,000
Yellowstone, Montana 7 $ 875,000 $ 125,000 $ 93,000
Sarpy, Nebraska 7 $ 720,000 $ 102,857 $ 72,000
Nye, Nevada 7 $ 1,372,000 $ 196,000 $ 152,000
Carroll, New Hampshire 7 $ 1,453,000 $ 207,571 $ 80,000
Grafton, New Hampshire 7 $ 1,226,000 $ 175,142 $ 64,000
Valencia, New Mexico 7 $ 999,000 $ 142,714 $ 54,000
Ontario, New York 7 $ 785,000 $ 112,142 $ 106,000
Davidson, North Carolina 7 $ 1,044,000 $ 149,142 $ 101,000
Rowan, North Carolina 7 $ 720,000 $ 102,857 $ 67,000
Clermont, Ohio 7 $ 1,175,000 $ 167,857 $ 64,000
Greene, Ohio 7 $ 1,288,000 $ 184,000 $ 110,000
Lucas, Ohio 7 $ 708,000 $ 101,142 $ 96,000
Medina, Ohio 7 $ 1,039,000 $ 148,428 $ 91,000
Josephine, Oregon 7 $ 1,984,000 $ 283,428 $ 164,000
Butler, Pennsylvania 7 $ 1,494,000 $ 213,428 $ 173,000
Centre, Pennsylvania 7 $ 402,000 $ 57,428 $ 70,000
Newport, Rhode Island 7 $ 2,998,000 $ 428,285 $ 99,000
Oconee, South Carolina 7 $ 3,156,000 $ 450,857 $ 46,000
Spartanburg, South Carolina 7 $ 1,278,000 $ 182,571 $ 30,000
Davison, South Dakota 7 $ 617,000 $ 88,142 $ 48,000
Brazoria, Texas 7 $ 1,409,000 $ 201,285 $ 118,000
Lynchburg, Virginia 7 $ 531,000 $ 75,857 $ 60,000
Manassas, Virginia 7 $ 1,836,000 $ 262,285 $ 52,000
Clallam, Washington 7 $ 1,279,000 $ 182,714 $ 46,000
Putnam, West Virginia 7 $ 810,000 $ 115,714 $ 71,000
Laramie, Wyoming 7 $ 742,000 $ 106,000 $ 93,000
Teton, Wyoming 7 $ 5,226,000 $ 746,571 $ 57,000
Houston, Alabama 6 $ 962,000 $ 160,333 $ 88,000
Lee, Alabama 6 $ 830,000 $ 138,333 $ 62,000
Montgomery, Alabama 6 $ 984,000 $ 164,000 $ 42,000
Morgan, Alabama 6 $ 939,000 $ 156,500 $ 85,000
Juneau, Alaska 6 $ 1,148,000 $ 191,333 $ 88,000
Matanuska-Susitna, Alaska 6 $ 1,328,000 $ 221,333 $ 159,000
Santa Cruz, Arizona 6 $ 1,894,000 $ 315,666 $ 49,000
Yuma, Arizona 6 $ 855,000 $ 142,500 $ 92,000
Saline, Arkansas 6 $ 851,000 $ 141,833 $ 87,000
Kings, California 6 $ 1,192,000 $ 198,666 $ 39,000
Muscogee, Georgia 6 $ 3,307,000 $ 551,166 $ 59,000
Newton, Georgia 6 $ 463,000 $ 77,166 $ 57,000
Pickens, Georgia 6 $ 846,000 $ 141,000 $ 92,000
Sangamon, Illinois 6 $ 460,000 $ 76,666 $ 108,000
Scott, Iowa 6 $ 609,000 $ 101,500 $ 98,000
Ascension, Louisiana 6 $ 826,000 $ 137,666 $ 72,000
Oxford, Maine 6 $ 942,000 $ 157,000 $ 160,000
Talbot, Maryland 6 $ 4,580,000 $ 763,333 $ 58,000
Franklin, Massachusetts 6 $ 747,000 $ 124,500 $ 39,000
Ottawa, Michigan 6 $ 430,000 $ 71,666 $ 102,000
Sherburne, Minnesota 6 $ 1,008,000 $ 168,000 $ 73,000
Wright, Minnesota 6 $ 1,218,000 $ 203,000 $ 60,000
Rankin, Mississippi 6 $ 1,123,000 $ 187,166 $ 188,000
Cass, Missouri 6 $ 654,000 $ 109,000 $ 69,000
Franklin, Missouri 6 $ 1,345,000 $ 224,166 $ 62,000
Churchill, Nevada 6 $ 779,000 $ 129,833 $ 79,000
Belknap, New Hampshire 6 $ 667,000 $ 111,166 $ 83,000
Strafford, New Hampshire 6 $ 782,000 $ 130,333 $ 133,000
Oneida, New York 6 $ 707,000 $ 117,833 $ 86,000
Otsego, New York 6 $ 1,135,000 $ 189,166 $ 147,000
Cumberland, North Carolina 6 $ 762,000 $ 127,000 $ 70,000
Johnston, North Carolina 6 $ 655,000 $ 109,166 $ 70,000
Stark, Ohio 6 $ 786,000 $ 131,000 $ 80,000
Lackawanna, Pennsylvania 6 $ 776,000 $ 129,333 $ 80,000
Pike, Pennsylvania 6 $ 1,072,000 $ 178,666 $ 102,000
Kent, Rhode Island 6 $ 859,000 $ 143,166 $ 103,000
Anderson, South Carolina 6 $ 1,102,000 $ 183,666 $ 284,000
Rutherford, Tennessee 6 $ 1,292,000 $ 215,333 $ 78,000
Cameron, Texas 6 $ 1,678,000 $ 279,666 $ 44,000
El Paso, Texas 6 $ 843,000 $ 140,500 $ 132,000
Bennington, Vermont 6 $ 569,000 $ 94,833 $ 95,000
Culpeper, Virginia 6 $ 2,089,000 $ 348,166 $ 70,000
Fairfax City, Virginia 6 $ 2,564,000 $ 427,333 $ 91,000
Fredericksburg, Virginia 6 $ 3,694,000 $ 615,666 $ 218,000
Hampton, Virginia 6 $ 937,000 $ 156,166 $ 82,000
James City, Virginia 6 $ 3,040,000 $ 506,666 $ 154,000
Montgomery, Virginia 6 $ 1,020,000 $ 170,000 $ 137,000
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Mortgage Loan Application Detail Totals for E*Trade Bank in 2006

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 17,152 $4,942,316,000 $288,000 $4,800,000 $98,000 $6,480,000
Home Purchase 12,822 $4,476,727,000 $349,000 $3,000,000 $101,000 $9,100,000
Home Improvement 89 $37,411,000 $420,000 $4,500,000 $151,000 $1,023,000

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 11,532 $3,305,319,000 $286,000 $4,500,000 $128,000 $6,480,000
Not Provided 9,095 $1,917,697,000 $210,000 $3,500,000 $124,000 $2,615,000
Not applicable 5,985 $3,261,611,000 $544,000 $4,800,000 $0 $642,000
Asian 1,271 $438,219,000 $344,000 $2,000,000 $134,000 $9,100,000
Hispanic 1,167 $310,434,000 $266,000 $1,924,000 $101,000 $939,000
Black or African American 772 $168,043,000 $217,000 $1,425,000 $86,000 $1,046,000
Native Hawaiian or Other Pacific Islander 156 $34,308,000 $219,000 $1,000,000 $89,000 $510,000
American Indian or Alaskan Native 85 $20,823,000 $244,000 $1,000,000 $90,000 $434,000

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) 30,062 $9,456,353,000 $314,000 $4,800,000 $99,000 $9,100,000
FHA-insured (Federal Housing Administration) 1 $101,000 $101,000 $101,000 $49,000 $49,000
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 8,037 $2,288,838,000 $284,000 $3,200,000 $132,000 $3,600,000
Loan Purchased By The Institution 7,767 $3,638,497,000 $468,000 $4,800,000 $29,000 $2,378,000
Application Denied By Financial Institution 7,555 $1,806,680,000 $239,000 $4,500,000 $121,000 $9,100,000
Preapproval Denied by Financial Institution 3,157 $794,363,000 $251,000 $1,600,000 $100,000 $3,878,000
Application Withdrawn By Applicant 2,000 $459,527,000 $229,000 $3,500,000 $124,000 $2,400,000
Application Approved But Not Accepted 1,528 $460,953,000 $301,000 $3,000,000 $143,000 $2,000,000
File Closed For Incompleteness 19 $7,596,000 $399,000 $1,340,000 $182,000 $917,000
Preapproval Approved but not Accepted 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 7,720 $1,880,313,000 $243,000 $2,900,000 $117,000 $9,100,000
Credit History 1,031 $216,028,000 $209,000 $2,178,000 $96,000 $1,800,000
Debt-To-Income Ratio 787 $202,289,000 $257,000 $1,500,000 $78,000 $600,000
Collateral 729 $184,852,000 $253,000 $4,500,000 $136,000 $2,484,000
Other 188 $39,333,000 $209,000 $2,193,000 $123,000 $1,074,000
Unverifiable Information 134 $49,300,000 $367,000 $3,900,000 $244,000 $6,480,000
Employment History 92 $21,038,000 $228,000 $720,000 $95,000 $500,000
Insufficient Cash (Downpayment, Closing Cost) 29 $7,699,000 $265,000 $1,069,000 $113,000 $528,000
Mortgage Insurance Denied 2 $191,000 $95,000 $158,000 $135,000 $230,000

Our comprehensive HMDA mortgage statistics provide invaluable insights into E*Trade Bank's 2006 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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