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Act (HMDA) records E*Trade Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Los Angeles-Long Beach-Glendale, CA | 3,899 | $ 1,142,040,000 | $ 292,905 | $ 86,000 |
| Santa Ana-Anaheim-Irvine, CA | 2,420 | $ 800,640,000 | $ 330,842 | $ 116,000 |
| Riverside-San Bernardino-Ontario, CA | 2,249 | $ 490,672,000 | $ 218,173 | $ 83,000 |
| San Diego-Carlsbad-San Marcos, CA | 1,548 | $ 491,848,000 | $ 317,731 | $ 106,000 |
| Oakland-Fremont-Hayward, CA | 1,215 | $ 438,801,000 | $ 361,153 | $ 121,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 1,195 | $ 295,000,000 | $ 246,861 | $ 96,000 |
| Chicago-Naperville-Joliet, IL | 1,071 | $ 274,355,000 | $ 256,167 | $ 78,000 |
| Phoenix-Mesa-Scottsdale, AZ | 879 | $ 179,922,000 | $ 204,689 | $ 69,000 |
| Las Vegas-Paradise, NV | 868 | $ 199,926,000 | $ 230,329 | $ 79,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 835 | $ 376,779,000 | $ 451,232 | $ 119,000 |
| Philadelphia, PA | 788 | $ 139,799,000 | $ 177,409 | $ 87,000 |
| New York-Wayne-White Plains, NY-NJ | 750 | $ 209,889,000 | $ 279,852 | $ 132,000 |
| Warren-Farmington Hills-Troy, MI | 664 | $ 136,442,000 | $ 205,484 | $ 76,000 |
| Atlanta-Sandy Springs-Marietta, GA | 643 | $ 138,170,000 | $ 214,883 | $ 94,000 |
| San Francisco-San Mateo-Redwood City, CA | 556 | $ 267,764,000 | $ 481,589 | $ 151,000 |
| Nassau-Suffolk, NY | 523 | $ 149,810,000 | $ 286,443 | $ 118,000 |
| Baltimore-Towson, MD | 499 | $ 107,938,000 | $ 216,308 | $ 70,000 |
| Seattle-Bellevue-Everett, WA | 468 | $ 130,518,000 | $ 278,884 | $ 91,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 402 | $ 86,234,000 | $ 214,512 | $ 74,000 |
| Boston-Quincy, MA | 395 | $ 113,476,000 | $ 287,281 | $ 109,000 |
| Edison, NJ | 393 | $ 102,304,000 | $ 260,315 | $ 110,000 |
| Bethesda-Frederick-Gaithersburg, MD | 382 | $ 104,724,000 | $ 274,146 | $ 82,000 |
| Portland-Vancouver-Beaverton, OR-WA | 377 | $ 78,725,000 | $ 208,819 | $ 82,000 |
| Cambridge-Newton-Framingham, MA | 356 | $ 116,526,000 | $ 327,320 | $ 98,000 |
| Denver-Aurora, CO | 352 | $ 89,562,000 | $ 254,437 | $ 86,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 346 | $ 120,798,000 | $ 349,127 | $ 113,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 329 | $ 84,395,000 | $ 256,519 | $ 93,000 |
| Detroit-Livonia-Dearborn, MI | 292 | $ 51,329,000 | $ 175,784 | $ 66,000 |
| Miami-Miami Beach-Kendall, FL | 268 | $ 54,377,000 | $ 202,899 | $ 76,000 |
| Camden, NJ | 251 | $ 39,786,000 | $ 158,509 | $ 98,000 |
| Newark-Union, NJ-PA | 240 | $ 69,905,000 | $ 291,270 | $ 122,000 |
| Orlando, FL | 237 | $ 41,494,000 | $ 175,080 | $ 61,000 |
| Tampa-St. Petersburg-Clearwater, FL | 234 | $ 38,124,000 | $ 162,923 | $ 62,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 231 | $ 51,782,000 | $ 224,164 | $ 102,000 |
| Raleigh-Cary, NC | 220 | $ 42,616,000 | $ 193,709 | $ 81,000 |
| Stockton, CA | 211 | $ 56,713,000 | $ 268,781 | $ 68,000 |
| Bridgeport-Stamford-Norwalk, CT | 208 | $ 73,292,000 | $ 352,365 | $ 116,000 |
| Richmond, VA | 188 | $ 32,070,000 | $ 170,585 | $ 67,000 |
| Charlotte-Gastonia-Concord, NC-SC | 186 | $ 37,944,000 | $ 204,000 | $ 80,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 184 | $ 33,893,000 | $ 184,201 | $ 59,000 |
| Honolulu, HI | 171 | $ 43,750,000 | $ 255,847 | $ 95,000 |
| Fresno, CA | 167 | $ 35,776,000 | $ 214,227 | $ 79,000 |
| Hartford-West Hartford-East Hartford, CT | 164 | $ 32,102,000 | $ 195,743 | $ 106,000 |
| New Orleans-Metairie-Kenner, LA | 163 | $ 23,157,000 | $ 142,067 | $ 59,000 |
| Essex County, MA | 161 | $ 41,992,000 | $ 260,819 | $ 90,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 153 | $ 34,657,000 | $ 226,516 | $ 88,000 |
| Bakersfield, CA | 148 | $ 24,511,000 | $ 165,614 | $ 61,000 |
| Dallas-Plano-Irving, TX | 148 | $ 37,911,000 | $ 256,155 | $ 99,000 |
| Cleveland-Elyria-Mentor, OH | 145 | $ 25,128,000 | $ 173,296 | $ 66,000 |
| Tucson, AZ | 145 | $ 25,049,000 | $ 172,751 | $ 75,000 |
| Worcester, MA | 141 | $ 32,193,000 | $ 228,319 | $ 104,000 |
| Houston-Baytown-Sugar Land, TX | 135 | $ 31,754,000 | $ 235,214 | $ 95,000 |
| Providence-New Bedford-Fall River, RI-MA | 134 | $ 27,901,000 | $ 208,216 | $ 69,000 |
| Rockingham County-Strafford County, NH | 133 | $ 29,500,000 | $ 221,804 | $ 94,000 |
| Jacksonville, FL | 132 | $ 21,142,000 | $ 160,166 | $ 53,000 |
| Reno-Sparks, NV | 131 | $ 33,425,000 | $ 255,152 | $ 89,000 |
| St. Louis, MO-IL | 131 | $ 33,557,000 | $ 256,160 | $ 69,000 |
| Vallejo-Fairfield, CA | 127 | $ 34,901,000 | $ 274,811 | $ 79,000 |
| Lake County-Kenosha County, IL-WI | 123 | $ 40,319,000 | $ 327,796 | $ 67,000 |
| Milwaukee-Waukesha-West Allis, WI | 121 | $ 26,580,000 | $ 219,669 | $ 70,000 |
| San Luis Obispo-Paso Robles, CA | 121 | $ 43,190,000 | $ 356,942 | $ 78,000 |
| Santa Rosa-Petaluma, CA | 116 | $ 39,877,000 | $ 343,767 | $ 100,000 |
| Columbus, OH | 112 | $ 21,120,000 | $ 188,571 | $ 85,000 |
| Pittsburgh, PA | 111 | $ 16,250,000 | $ 146,396 | $ 82,000 |
| Albuquerque, NM | 105 | $ 18,312,000 | $ 174,400 | $ 70,000 |
| Portland-South Portland-Biddeford, ME | 105 | $ 21,260,000 | $ 202,476 | $ 96,000 |
| Modesto, CA | 104 | $ 24,488,000 | $ 235,461 | $ 89,000 |
| New Haven-Milford, CT | 104 | $ 21,241,000 | $ 204,240 | $ 87,000 |
| Santa Cruz-Watsonville, CA | 100 | $ 38,647,000 | $ 386,470 | $ 102,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 99 | $ 34,560,000 | $ 349,090 | $ 100,000 |
| Cincinnati-Middletown, OH-KY-IN | 98 | $ 17,535,000 | $ 178,928 | $ 77,000 |
| Salt Lake City, UT | 97 | $ 20,373,000 | $ 210,030 | $ 98,000 |
| Boise City-Nampa, ID | 96 | $ 15,553,000 | $ 162,010 | $ 74,000 |
| Manchester-Nashua, NH | 94 | $ 21,100,000 | $ 224,468 | $ 86,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 90 | $ 14,061,000 | $ 156,233 | $ 75,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 90 | $ 17,711,000 | $ 196,788 | $ 84,000 |
| Ann Arbor, MI | 85 | $ 17,888,000 | $ 210,447 | $ 106,000 |
| Durham, NC | 82 | $ 15,969,000 | $ 194,743 | $ 68,000 |
| Nashville-Davidson--Murfreesboro, TN | 82 | $ 16,666,000 | $ 203,243 | $ 71,000 |
| Indianapolis, IN | 80 | $ 17,466,000 | $ 218,325 | $ 88,000 |
| Tacoma, WA | 80 | $ 15,970,000 | $ 199,625 | $ 76,000 |
| Kansas City, MO-KS | 77 | $ 12,718,000 | $ 165,168 | $ 61,000 |
| Sarasota-Bradenton-Venice, FL | 77 | $ 16,674,000 | $ 216,545 | $ 88,000 |
| Austin-Round Rock, TX | 74 | $ 21,834,000 | $ 295,054 | $ 99,000 |
| Cape Coral-Fort Myers, FL | 74 | $ 13,539,000 | $ 182,959 | $ 60,000 |
| Salinas, CA | 74 | $ 29,688,000 | $ 401,189 | $ 107,000 |
| Visalia-Porterville, CA | 71 | $ 10,551,000 | $ 148,605 | $ 58,000 |
| Albany-Schenectady-Troy, NY | 67 | $ 10,471,000 | $ 156,283 | $ 110,000 |
| Baton Rouge, LA | 67 | $ 8,062,000 | $ 120,328 | $ 67,000 |
| Boulder, CO | 67 | $ 22,437,000 | $ 334,880 | $ 117,000 |
| Louisville, KY-IN | 67 | $ 11,495,000 | $ 171,567 | $ 58,000 |
| Palm Bay-Melbourne-Titusville, FL | 67 | $ 11,726,000 | $ 175,014 | $ 72,000 |
| Rochester, NY | 63 | $ 7,494,000 | $ 118,952 | $ 86,000 |
| Charleston-North Charleston, SC | 62 | $ 14,525,000 | $ 234,274 | $ 95,000 |
| Birmingham-Hoover, AL | 61 | $ 11,400,000 | $ 186,885 | $ 59,000 |
| Trenton-Ewing, NJ | 61 | $ 16,335,000 | $ 267,786 | $ 100,000 |
| Colorado Springs, CO | 60 | $ 13,504,000 | $ 225,066 | $ 74,000 |
| Springfield, MA | 60 | $ 9,432,000 | $ 157,200 | $ 66,000 |
| Fort Worth-Arlington, TX | 58 | $ 12,920,000 | $ 222,758 | $ 71,000 |
| Wilmington, NC | 58 | $ 12,986,000 | $ 223,896 | $ 70,000 |
| Naples-Marco Island, FL | 55 | $ 16,768,000 | $ 304,872 | $ 130,000 |
| Barnstable Town, MA | 51 | $ 12,796,000 | $ 250,901 | $ 130,000 |
| Buffalo-Niagara Falls, NY | 50 | $ 6,849,000 | $ 136,980 | $ 123,000 |
| Lancaster, PA | 47 | $ 6,089,000 | $ 129,553 | $ 59,000 |
| Prescott, AZ | 47 | $ 10,052,000 | $ 213,872 | $ 79,000 |
| Akron, OH | 46 | $ 7,718,000 | $ 167,782 | $ 97,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 46 | $ 6,794,000 | $ 147,695 | $ 59,000 |
| Greensboro-High Point, NC | 46 | $ 7,949,000 | $ 172,804 | $ 80,000 |
| York-Hanover, PA | 46 | $ 6,095,000 | $ 132,500 | $ 55,000 |
| Anchorage, AK | 45 | $ 9,111,000 | $ 202,466 | $ 97,000 |
| Gary, IN | 45 | $ 7,567,000 | $ 168,155 | $ 88,000 |
| Merced, CA | 45 | $ 8,344,000 | $ 185,422 | $ 76,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 44 | $ 6,077,000 | $ 138,113 | $ 76,000 |
| Norwich-New London, CT | 43 | $ 9,349,000 | $ 217,418 | $ 96,000 |
| Dayton, OH | 42 | $ 5,317,000 | $ 126,595 | $ 56,000 |
| San Antonio, TX | 42 | $ 7,079,000 | $ 168,547 | $ 70,000 |
| Bremerton-Silverdale, WA | 41 | $ 12,094,000 | $ 294,975 | $ 116,000 |
| Huntsville, AL | 41 | $ 5,735,000 | $ 139,878 | $ 74,000 |
| Bend, OR | 40 | $ 8,062,000 | $ 201,550 | $ 86,000 |
| Burlington-South Burlington, VT | 40 | $ 7,888,000 | $ 197,200 | $ 91,000 |
| Coeur D'Alene, ID | 40 | $ 6,417,000 | $ 160,425 | $ 74,000 |
| Eugene-Springfield, OR | 39 | $ 6,464,000 | $ 165,743 | $ 86,000 |
| Omaha-Council Bluffs, NE-IA | 39 | $ 5,293,000 | $ 135,717 | $ 112,000 |
| Redding, CA | 39 | $ 7,725,000 | $ 198,076 | $ 92,000 |
| Spokane, WA | 39 | $ 6,039,000 | $ 154,846 | $ 101,000 |
| Memphis, TN-MS-AR | 38 | $ 8,418,000 | $ 221,526 | $ 88,000 |
| Atlantic City, NJ | 37 | $ 6,643,000 | $ 179,540 | $ 75,000 |
| Flagstaff, AZ | 37 | $ 7,451,000 | $ 201,378 | $ 74,000 |
| Greenville, SC | 37 | $ 6,903,000 | $ 186,567 | $ 61,000 |
| Harrisburg-Carlisle, PA | 37 | $ 5,348,000 | $ 144,540 | $ 78,000 |
| Ocean City, NJ | 36 | $ 13,142,000 | $ 365,055 | $ 86,000 |
| Olympia, WA | 36 | $ 6,332,000 | $ 175,888 | $ 85,000 |
| Napa, CA | 35 | $ 12,934,000 | $ 369,542 | $ 98,000 |
| Pensacola-Ferry Pass-Brent, FL | 35 | $ 5,017,000 | $ 143,342 | $ 112,000 |
| Wilmington, DE-MD-NJ | 35 | $ 5,164,000 | $ 147,542 | $ 25,000 |
| Little Rock-North Little Rock, AR | 34 | $ 5,602,000 | $ 164,764 | $ 77,000 |
| Asheville, NC | 33 | $ 7,502,000 | $ 227,333 | $ 76,000 |
| Chico, CA | 33 | $ 7,075,000 | $ 214,393 | $ 86,000 |
| Lakeland, FL | 33 | $ 3,682,000 | $ 111,575 | $ 50,000 |
| Lansing-East Lansing, MI | 33 | $ 4,996,000 | $ 151,393 | $ 60,000 |
| Port St. Lucie-Fort Pierce, FL | 33 | $ 6,928,000 | $ 209,939 | $ 73,000 |
| Jackson, MS | 32 | $ 4,751,000 | $ 148,468 | $ 46,000 |
| Salem, OR | 32 | $ 4,362,000 | $ 136,312 | $ 42,000 |
| Syracuse, NY | 32 | $ 3,607,000 | $ 112,718 | $ 73,000 |
| Knoxville, TN | 31 | $ 5,608,000 | $ 180,903 | $ 72,000 |
| Medford, OR | 31 | $ 6,970,000 | $ 224,838 | $ 94,000 |
| Ogden-Clearfield, UT | 31 | $ 4,765,000 | $ 153,709 | $ 87,000 |
| Oklahoma City, OK | 31 | $ 5,710,000 | $ 184,193 | $ 53,000 |
| Grand Rapids-Wyoming, MI | 30 | $ 4,358,000 | $ 145,266 | $ 53,000 |
| Kingston, NY | 30 | $ 4,981,000 | $ 166,033 | $ 105,000 |
| Provo-Orem, UT | 30 | $ 6,374,000 | $ 212,466 | $ 70,000 |
| Winston-Salem, NC | 30 | $ 4,206,000 | $ 140,200 | $ 69,000 |
| Fort Collins-Loveland, CO | 29 | $ 4,974,000 | $ 171,517 | $ 80,000 |
| Toledo, OH | 29 | $ 4,561,000 | $ 157,275 | $ 102,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 28 | $ 4,437,000 | $ 158,464 | $ 89,000 |
| Madison, WI | 27 | $ 6,941,000 | $ 257,074 | $ 98,000 |
| Bellingham, WA | 26 | $ 5,909,000 | $ 227,269 | $ 94,000 |
| Augusta-Richmond County, GA-SC | 25 | $ 3,953,000 | $ 158,120 | $ 88,000 |
| Madera, CA | 25 | $ 3,501,000 | $ 140,040 | $ 40,000 |
| St. George, UT | 25 | $ 3,794,000 | $ 151,760 | $ 119,000 |
| Des Moines, IA | 24 | $ 3,296,000 | $ 137,333 | $ 93,000 |
| Columbia, SC | 23 | $ 3,212,000 | $ 139,652 | $ 68,000 |
| Savannah, GA | 23 | $ 5,913,000 | $ 257,086 | $ 78,000 |
| Tallahassee, FL | 23 | $ 3,124,000 | $ 135,826 | $ 75,000 |
| Charlottesville, VA | 22 | $ 5,178,000 | $ 235,363 | $ 110,000 |
| Reading, PA | 22 | $ 3,462,000 | $ 157,363 | $ 68,000 |
| Scranton--Wilkes-Barre, PA | 22 | $ 2,577,000 | $ 117,136 | $ 51,000 |
| Fort Walton Beach-Crestview-Destin, FL | 21 | $ 3,560,000 | $ 169,523 | $ 69,000 |
| Hagerstown-Martinsburg, MD-WV | 21 | $ 2,923,000 | $ 139,190 | $ 43,000 |
| Santa Fe, NM | 21 | $ 5,931,000 | $ 282,428 | $ 86,000 |
| Tulsa, OK | 21 | $ 3,104,000 | $ 147,809 | $ 63,000 |
| Flint, MI | 20 | $ 3,115,000 | $ 155,750 | $ 53,000 |
| Punta Gorda, FL | 20 | $ 4,139,000 | $ 206,950 | $ 75,000 |
| Wichita, KS | 20 | $ 2,623,000 | $ 131,150 | $ 72,000 |
| Kalamazoo-Portage, MI | 19 | $ 3,128,000 | $ 164,631 | $ 61,000 |
| Lafayette, LA | 19 | $ 2,408,000 | $ 126,736 | $ 75,000 |
| Mount Vernon-Anacortes, WA | 19 | $ 3,917,000 | $ 206,157 | $ 58,000 |
| Monroe, MI | 18 | $ 2,616,000 | $ 145,333 | $ 71,000 |
| Ocala, FL | 18 | $ 2,206,000 | $ 122,555 | $ 82,000 |
| Racine, WI | 18 | $ 3,904,000 | $ 216,888 | $ 64,000 |
| Rockford, IL | 18 | $ 3,201,000 | $ 177,833 | $ 49,000 |
| Shreveport-Bossier City, LA | 18 | $ 2,576,000 | $ 143,111 | $ 73,000 |
| Kennewick-Richland-Pasco, WA | 17 | $ 2,491,000 | $ 146,529 | $ 73,000 |
| Pittsfield, MA | 17 | $ 3,192,000 | $ 187,764 | $ 139,000 |
| Billings, MT | 16 | $ 1,282,000 | $ 80,125 | $ 39,000 |
| Chattanooga, TN-GA | 16 | $ 3,094,000 | $ 193,375 | $ 86,000 |
| Gulfport-Biloxi, MS | 16 | $ 1,695,000 | $ 105,937 | $ 104,000 |
| Hanford-Corcoran, CA | 16 | $ 2,071,000 | $ 129,437 | $ 50,000 |
| Hickory-Lenoir-Morganton, NC | 16 | $ 2,155,000 | $ 134,687 | $ 90,000 |
| Lincoln, NE | 16 | $ 1,563,000 | $ 97,687 | $ 33,000 |
| Yuba City, CA | 16 | $ 3,006,000 | $ 187,875 | $ 70,000 |
| Canton-Massillon, OH | 15 | $ 2,099,000 | $ 139,933 | $ 72,000 |
| Duluth, MN-WI | 15 | $ 2,137,000 | $ 142,466 | $ 60,000 |
| El Centro, CA | 15 | $ 1,795,000 | $ 119,666 | $ 80,000 |
| Greeley, CO | 15 | $ 3,215,000 | $ 214,333 | $ 68,000 |
| Holland-Grand Haven, MI | 15 | $ 2,167,000 | $ 144,466 | $ 59,000 |
| Lexington-Fayette, KY | 15 | $ 3,008,000 | $ 200,533 | $ 87,000 |
| Missoula, MT | 15 | $ 1,689,000 | $ 112,600 | $ 66,000 |
| Panama City-Lynn Haven, FL | 15 | $ 3,500,000 | $ 233,333 | $ 84,000 |
| Peoria, IL | 15 | $ 2,010,000 | $ 134,000 | $ 25,000 |
| Roanoke, VA | 15 | $ 2,683,000 | $ 178,866 | $ 96,000 |
| Yuma, AZ | 15 | $ 1,895,000 | $ 126,333 | $ 75,000 |
| Champaign-Urbana, IL | 14 | $ 2,462,000 | $ 175,857 | $ 63,000 |
| Mobile, AL | 14 | $ 2,507,000 | $ 179,071 | $ 52,000 |
| Springfield, MO | 14 | $ 2,122,000 | $ 151,571 | $ 88,000 |
| Blacksburg-Christiansburg-Radford, VA | 13 | $ 1,876,000 | $ 144,307 | $ 84,000 |
| Carson City, NV | 13 | $ 2,583,000 | $ 198,692 | $ 77,000 |
| Corvallis, OR | 13 | $ 2,605,000 | $ 200,384 | $ 72,000 |
| Charleston, WV | 12 | $ 1,292,000 | $ 107,666 | $ 60,000 |
| Gainesville, FL | 12 | $ 1,577,000 | $ 131,416 | $ 54,000 |
| Montgomery, AL | 12 | $ 2,258,000 | $ 188,166 | $ 85,000 |
| Winchester, VA-WV | 12 | $ 1,936,000 | $ 161,333 | $ 38,000 |
| Youngstown-Warren-Boardman, OH-PA | 12 | $ 1,325,000 | $ 110,416 | $ 51,000 |
| Columbus, GA-AL | 11 | $ 2,713,000 | $ 246,636 | $ 154,000 |
| Fayetteville, NC | 11 | $ 1,950,000 | $ 177,272 | $ 67,000 |
| Jackson, MI | 11 | $ 2,367,000 | $ 215,181 | $ 92,000 |
| Spartanburg, SC | 11 | $ 1,838,000 | $ 167,090 | $ 66,000 |
| Utica-Rome, NY | 11 | $ 1,207,000 | $ 109,727 | $ 60,000 |
| Wenatchee, WA | 11 | $ 1,864,000 | $ 169,454 | $ 83,000 |
| Bangor, ME | 10 | $ 1,320,000 | $ 132,000 | $ 59,000 |
| Fort Smith, AR-OK | 10 | $ 1,566,000 | $ 156,600 | $ 127,000 |
| Fort Wayne, IN | 10 | $ 2,148,000 | $ 214,800 | $ 60,000 |
| Gainesville, GA | 10 | $ 2,020,000 | $ 202,000 | $ 90,000 |
| Green Bay, WI | 10 | $ 1,054,000 | $ 105,400 | $ 26,000 |
| Lebanon, PA | 10 | $ 1,293,000 | $ 129,300 | $ 76,000 |
| Longview, WA | 10 | $ 1,068,000 | $ 106,800 | $ 56,000 |
| Topeka, KS | 10 | $ 1,007,000 | $ 100,700 | $ 82,000 |
| Vineland-Millville-Bridgeton, NJ | 10 | $ 1,120,000 | $ 112,000 | $ 80,000 |
| Battle Creek, MI | 9 | $ 1,481,000 | $ 164,555 | $ 44,000 |
| Bay City, MI | 9 | $ 1,455,000 | $ 161,666 | $ 0 |
| Columbia, MO | 9 | $ 1,151,000 | $ 127,888 | $ 38,000 |
| Glens Falls, NY | 9 | $ 1,108,000 | $ 123,111 | $ 85,000 |
| Hot Springs, AR | 9 | $ 1,155,000 | $ 128,333 | $ 93,000 |
| Las Cruces, NM | 9 | $ 1,843,000 | $ 204,777 | $ 177,000 |
| Salisbury, MD | 9 | $ 1,280,000 | $ 142,222 | $ 65,000 |
| State College, PA | 9 | $ 1,440,000 | $ 160,000 | $ 94,000 |
| Tuscaloosa, AL | 9 | $ 2,218,000 | $ 246,444 | $ 100,000 |
| Vero Beach, FL | 9 | $ 1,270,000 | $ 141,111 | $ 35,000 |
| Williamsport, PA | 9 | $ 929,000 | $ 103,222 | $ 69,000 |
| Auburn-Opelika, AL | 8 | $ 940,000 | $ 117,500 | $ 70,000 |
| Binghamton, NY | 8 | $ 946,000 | $ 118,250 | $ 76,000 |
| Corpus Christi, TX | 8 | $ 1,125,000 | $ 140,625 | $ 93,000 |
| Florence, SC | 8 | $ 1,404,000 | $ 175,500 | $ 73,000 |
| Grand Junction, CO | 8 | $ 1,891,000 | $ 236,375 | $ 56,000 |
| Great Falls, MT | 8 | $ 674,000 | $ 84,250 | $ 79,000 |
| Greenville, NC | 8 | $ 1,301,000 | $ 162,625 | $ 44,000 |
| Idaho Falls, ID | 8 | $ 956,000 | $ 119,500 | $ 96,000 |
| Lynchburg, VA | 8 | $ 1,018,000 | $ 127,250 | $ 54,000 |
| Pascagoula, MS | 8 | $ 1,121,000 | $ 140,125 | $ 65,000 |
| St. Cloud, MN | 8 | $ 1,237,000 | $ 154,625 | $ 54,000 |
| Warner Robins, GA | 8 | $ 966,000 | $ 120,750 | $ 57,000 |
| College Station-Bryan, TX | 7 | $ 1,102,000 | $ 157,428 | $ 101,000 |
| Fairbanks, AK | 7 | $ 1,287,000 | $ 183,857 | $ 103,000 |
| Fargo, ND-MN | 7 | $ 799,000 | $ 114,142 | $ 77,000 |
| Ithaca, NY | 7 | $ 1,032,000 | $ 147,428 | $ 71,000 |
| Jacksonville, NC | 7 | $ 1,206,000 | $ 172,285 | $ 36,000 |
| Lewiston-Auburn, ME | 7 | $ 960,000 | $ 137,142 | $ 28,000 |
| Michigan City-La Porte, IN | 7 | $ 1,139,000 | $ 162,714 | $ 88,000 |
| Morgantown, WV | 7 | $ 1,119,000 | $ 159,857 | $ 130,000 |
| Parkersburg-Marietta, WV-OH | 7 | $ 648,000 | $ 92,571 | $ 49,000 |
| Rapid City, SD | 7 | $ 1,226,000 | $ 175,142 | $ 95,000 |
| Sioux Falls, SD | 7 | $ 919,000 | $ 131,285 | $ 53,000 |
| South Bend-Mishawaka, IN-MI | 7 | $ 913,000 | $ 130,428 | $ 81,000 |
| Alexandria, LA | 6 | $ 835,000 | $ 139,166 | $ 126,000 |
| Athens-Clarke County, GA | 6 | $ 907,000 | $ 151,166 | $ 133,000 |
| Davenport-Moline-Rock Island, IA-IL | 6 | $ 623,000 | $ 103,833 | $ 64,000 |
| Decatur, AL | 6 | $ 817,000 | $ 136,166 | $ 49,000 |
| Evansville, IN-KY | 6 | $ 1,310,000 | $ 218,333 | $ 82,000 |
| Hattiesburg, MS | 6 | $ 554,000 | $ 92,333 | $ 46,000 |
| Houma-Bayou Cane-Thibodaux, LA | 6 | $ 630,000 | $ 105,000 | $ 33,000 |
| Niles-Benton Harbor, MI | 6 | $ 1,279,000 | $ 213,166 | $ 97,000 |
| Rochester, MN | 6 | $ 888,000 | $ 148,000 | $ 96,000 |
| Saginaw-Saginaw Township North, MI | 6 | $ 983,000 | $ 163,833 | $ 86,000 |
| Wausau, WI | 6 | $ 622,000 | $ 103,666 | $ 71,000 |
| Cedar Rapids, IA | 5 | $ 943,000 | $ 188,600 | $ 301,000 |
| Clarksville, TN-KY | 5 | $ 487,000 | $ 97,400 | $ 76,000 |
| Dalton, GA | 5 | $ 905,000 | $ 181,000 | $ 98,000 |
| Elizabethtown, KY | 5 | $ 468,000 | $ 93,600 | $ 83,000 |
| Erie, PA | 5 | $ 515,000 | $ 103,000 | $ 67,000 |
| Harrisonburg, VA | 5 | $ 941,000 | $ 188,200 | $ 52,000 |
| Iowa City, IA | 5 | $ 734,000 | $ 146,800 | $ 56,000 |
| Janesville, WI | 5 | $ 670,000 | $ 134,000 | $ 99,000 |
| Joplin, MO | 5 | $ 778,000 | $ 155,600 | $ 65,000 |
| Kingsport-Bristol-Bristol, TN-VA | 5 | $ 608,000 | $ 121,600 | $ 94,000 |
| Macon, GA | 5 | $ 944,000 | $ 188,800 | $ 49,000 |
| Muskegon-Norton Shores, MI | 5 | $ 561,000 | $ 112,200 | $ 26,000 |
| Oshkosh-Neenah, WI | 5 | $ 569,000 | $ 113,800 | $ 24,000 |
| Pocatello, ID | 5 | $ 767,000 | $ 153,400 | $ 99,000 |
| Pueblo, CO | 5 | $ 786,000 | $ 157,200 | $ 63,000 |
| Tyler, TX | 5 | $ 690,000 | $ 138,000 | $ 77,000 |
| Waterloo-Cedar Falls, IA | 5 | $ 329,000 | $ 65,800 | $ 19,000 |
| Yakima, WA | 5 | $ 905,000 | $ 181,000 | $ 130,000 |
| Albany, GA | 4 | $ 379,000 | $ 94,750 | $ 61,000 |
| Altoona, PA | 4 | $ 432,000 | $ 108,000 | $ 67,000 |
| Appleton, WI | 4 | $ 469,000 | $ 117,250 | $ 49,000 |
| Bismarck, ND | 4 | $ 587,000 | $ 146,750 | $ 67,000 |
| Elkhart-Goshen, IN | 4 | $ 420,000 | $ 105,000 | $ 102,000 |
| Elmira, NY | 4 | $ 460,000 | $ 115,000 | $ 63,000 |
| Farmington, NM | 4 | $ 590,000 | $ 147,500 | $ 79,000 |
| Florence-Muscle Shoals, AL | 4 | $ 459,000 | $ 114,750 | $ 14,000 |
| Hinesville-Fort Stewart, GA | 4 | $ 928,000 | $ 232,000 | $ 216,000 |
| Kokomo, IN | 4 | $ 469,000 | $ 117,250 | $ 61,000 |
| Lake Charles, LA | 4 | $ 388,000 | $ 97,000 | $ 40,000 |
| Lawrence, KS | 4 | $ 888,000 | $ 222,000 | $ 68,000 |
| Lima, OH | 4 | $ 525,000 | $ 131,250 | $ 59,000 |
| Logan, UT-ID | 4 | $ 523,000 | $ 130,750 | $ 54,000 |
| Muncie, IN | 4 | $ 706,000 | $ 176,500 | $ 145,000 |
| Rome, GA | 4 | $ 391,000 | $ 97,750 | $ 89,000 |
| Sandusky, OH | 4 | $ 394,000 | $ 98,500 | $ 9,000 |
| Sheboygan, WI | 4 | $ 991,000 | $ 247,750 | $ 49,000 |
| Springfield, IL | 4 | $ 519,000 | $ 129,750 | $ 56,000 |
| Springfield, OH | 4 | $ 393,000 | $ 98,250 | $ 20,000 |
| Wheeling, WV-OH | 4 | $ 606,000 | $ 151,500 | $ 110,000 |
| Amarillo, TX | 3 | $ 482,000 | $ 160,666 | $ 120,000 |
| Bloomington-Normal, IL | 3 | $ 389,000 | $ 129,666 | $ 65,000 |
| Burlington, NC | 3 | $ 252,000 | $ 84,000 | $ 42,000 |
| Cheyenne, WY | 3 | $ 397,000 | $ 132,333 | $ 27,000 |
| Cleveland, TN | 3 | $ 408,000 | $ 136,000 | $ 116,000 |
| Dover, DE | 3 | $ 164,000 | $ 54,666 | $ 79,000 |
| El Paso, TX | 3 | $ 369,000 | $ 123,000 | $ 34,000 |
| Fond Du Lac, WI | 3 | $ 751,000 | $ 250,333 | $ 94,000 |
| Johnson City, TN | 3 | $ 479,000 | $ 159,666 | $ 64,000 |
| Killeen-Temple-Fort Hood, TX | 3 | $ 549,000 | $ 183,000 | $ 20,000 |
| Lafayette, IN | 3 | $ 494,000 | $ 164,666 | $ 109,000 |
| Lubbock, TX | 3 | $ 533,000 | $ 177,666 | $ 80,000 |
| Sumter, SC | 3 | $ 338,000 | $ 112,666 | $ 93,000 |
| Terre Haute, IN | 3 | $ 317,000 | $ 105,666 | $ 97,000 |
| Valdosta, GA | 3 | $ 609,000 | $ 203,000 | $ 58,000 |
| Waco, TX | 3 | $ 424,000 | $ 141,333 | $ 106,000 |
| Abilene, TX | 2 | $ 244,000 | $ 122,000 | $ 19,000 |
| Anderson, SC | 2 | $ 257,000 | $ 128,500 | $ 32,000 |
| Beaumont-Port Arthur, TX | 2 | $ 244,000 | $ 122,000 | $ 57,000 |
| Bloomington, IN | 2 | $ 304,000 | $ 152,000 | $ 67,000 |
| Brunswick, GA | 2 | $ 717,000 | $ 358,500 | $ 72,000 |
| Casper, WY | 2 | $ 244,000 | $ 122,000 | $ 55,000 |
| Cumberland, MD-WV | 2 | $ 120,000 | $ 60,000 | $ 49,000 |
| Danville, VA | 2 | $ 430,000 | $ 215,000 | $ 87,000 |
| Dothan, AL | 2 | $ 243,000 | $ 121,500 | $ 23,000 |
| Eau Claire, WI | 2 | $ 209,000 | $ 104,500 | $ 60,000 |
| Jefferson City, MO | 2 | $ 345,000 | $ 172,500 | $ 14,000 |
| Johnstown, PA | 2 | $ 325,000 | $ 162,500 | $ 82,000 |
| Jonesboro, AR | 2 | $ 410,000 | $ 205,000 | $ 71,000 |
| Mansfield, OH | 2 | $ 193,000 | $ 96,500 | $ 27,000 |
| Midland, TX | 2 | $ 397,000 | $ 198,500 | $ 122,000 |
| Monroe, LA | 2 | $ 285,000 | $ 142,500 | $ 105,000 |
| Owensboro, KY | 2 | $ 317,000 | $ 158,500 | $ 20,000 |
| Pine Bluff, AR | 2 | $ 198,000 | $ 99,000 | $ 29,000 |
| Sioux City, IA-NE-SD | 2 | $ 204,000 | $ 102,000 | $ 41,000 |
| Weirton-Steubenville, WV-OH | 2 | $ 325,000 | $ 162,500 | $ 69,000 |
| Anderson, IN | 1 | $ 126,000 | $ 126,000 | $ 102,000 |
| Bowling Green, KY | 1 | $ 134,000 | $ 134,000 | $ 144,000 |
| Brownsville-Harlingen, TX | 1 | $ 235,000 | $ 235,000 | $ 192,000 |
| Danville, IL | 1 | $ 231,000 | $ 231,000 | $ 177,000 |
| Decatur, IL | 1 | $ 145,000 | $ 145,000 | $ 47,000 |
| Gadsden, AL | 1 | $ 140,000 | $ 140,000 | $ 264,000 |
| Huntington-Ashland, WV-KY-OH | 1 | $ 132,000 | $ 132,000 | $ 56,000 |
| Jackson, TN | 1 | $ 156,000 | $ 156,000 | $ 0 |
| Kankakee-Bradley, IL | 1 | $ 118,000 | $ 118,000 | $ 135,000 |
| La Crosse, WI-MN | 1 | $ 260,000 | $ 260,000 | $ 0 |
| Laredo, TX | 1 | $ 109,000 | $ 109,000 | $ 82,000 |
| Lawton, OK | 1 | $ 146,000 | $ 146,000 | $ 88,000 |
| Lewiston, ID-WA | 1 | $ 96,000 | $ 96,000 | $ 0 |
| Longview, TX | 1 | $ 125,000 | $ 125,000 | $ 60,000 |
| McAllen-Edinburg-Pharr, TX | 1 | $ 90,000 | $ 90,000 | $ 27,000 |
| Morristown, TN | 1 | $ 105,000 | $ 105,000 | $ 98,000 |
| Rocky Mount, NC | 1 | $ 130,000 | $ 130,000 | $ 52,000 |
| Sherman-Denison, TX | 1 | $ 92,000 | $ 92,000 | $ 0 |
| St. Joseph, MO-KS | 1 | $ 102,000 | $ 102,000 | $ 86,000 |
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.
For a list of all lenders in Virginia, download the full spreadsheet
with aggregated HMDA statistics today.
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