Everbank Mortgage Lending & HMDA Data, 2003

In 2003, Everbank of Jacksonville, FL reported 41,536 mortgage applications totaling $8.7 billion. The average application was for $209,826, and applicants reported an average income of $91,008. 58% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Chicago, IL (3,066), Los Angeles-Long Beach, CA (2,188) and Baltimore, MD (1,918) (applications in parentheses).

Mortgage Company & Address Everbank
8100 Nations Way
Jacksonville, FL 32256
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 41,536
Total Mortgage Loan Application Amount $8,715,359,000
Average Mortgage Loan Application Amount $209,826
Highest Mortgage Loan Application Amount $2,400,000
Average Applicant Income $91,008
Highest Applicant Income $5,400,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Everbank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Everbank by County in 2003

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Montgomery, Maryland 2,669 $ 665,225,000 $ 249,241 $ 111,000
Fairfax, Virginia 2,302 $ 577,429,000 $ 250,837 $ 113,000
Los Angeles, California 2,188 $ 508,627,000 $ 232,462 $ 89,000
Cook, Illinois 1,673 $ 371,900,000 $ 222,295 $ 78,000
Duval, Florida 1,089 $ 187,487,000 $ 172,164 $ 68,000
Orange, California 798 $ 207,128,000 $ 259,558 $ 111,000
Howard, Maryland 656 $ 151,915,000 $ 231,577 $ 99,000
Loudoun, Virginia 613 $ 157,192,000 $ 256,430 $ 84,000
Prince William, Virginia 612 $ 130,324,000 $ 212,947 $ 95,000
District of Columbia, District Of Columbia 558 $ 142,427,000 $ 255,245 $ 111,000
Prince George's, Maryland 536 $ 91,538,000 $ 170,779 $ 79,000
DuPage, Illinois 510 $ 109,892,000 $ 215,474 $ 89,000
Anne Arundel, Maryland 471 $ 104,523,000 $ 221,917 $ 92,000
San Diego, California 463 $ 115,542,000 $ 249,550 $ 91,000
Tarrant, Texas 445 $ 87,880,000 $ 197,483 $ 83,000
St. Johns, Florida 423 $ 99,267,000 $ 234,673 $ 101,000
Fulton, Georgia 412 $ 96,697,000 $ 234,701 $ 121,000
Frederick, Maryland 405 $ 81,211,000 $ 200,520 $ 82,000
Arlington, Virginia 398 $ 98,080,000 $ 246,432 $ 120,000
Maricopa, Arizona 381 $ 65,432,000 $ 171,737 $ 66,000
Denton, Texas 364 $ 69,059,000 $ 189,722 $ 87,000
El Paso, Colorado 362 $ 70,285,000 $ 194,157 $ 88,000
Dallas, Texas 359 $ 74,098,000 $ 206,401 $ 111,000
Montgomery, Pennsylvania 356 $ 69,322,000 $ 194,724 $ 87,000
Baltimore, Maryland 352 $ 66,609,000 $ 189,230 $ 77,000
King, Washington 344 $ 78,916,000 $ 229,406 $ 85,000
Lake, Illinois 317 $ 77,502,000 $ 244,485 $ 111,000
Collin, Texas 308 $ 61,249,000 $ 198,860 $ 107,000
Chester, Pennsylvania 306 $ 68,238,000 $ 223,000 $ 123,000
Middlesex, Massachusetts 290 $ 69,699,000 $ 240,341 $ 99,000
Mecklenburg, North Carolina 290 $ 53,711,000 $ 185,210 $ 85,000
San Bernardino, California 287 $ 52,371,000 $ 182,477 $ 78,000
Bucks, Pennsylvania 271 $ 51,718,000 $ 190,841 $ 81,000
Cobb, Georgia 267 $ 53,761,000 $ 201,352 $ 98,000
Gwinnett, Georgia 262 $ 47,197,000 $ 180,141 $ 85,000
Riverside, California 260 $ 49,785,000 $ 191,480 $ 102,000
Suffolk, New York 244 $ 50,376,000 $ 206,459 $ 100,000
Alexandria, Virginia 236 $ 56,482,000 $ 239,330 $ 95,000
Sacramento, California 220 $ 43,169,000 $ 196,222 $ 73,000
Bergen, New Jersey 214 $ 52,873,000 $ 247,070 $ 91,000
Carroll, Maryland 213 $ 42,658,000 $ 200,272 $ 79,000
Nassau, New York 213 $ 49,070,000 $ 230,375 $ 102,000
Alameda, California 211 $ 57,167,000 $ 270,933 $ 112,000
Knox, Tennessee 209 $ 38,707,000 $ 185,200 $ 118,000
DeKalb, Georgia 205 $ 39,172,000 $ 191,082 $ 78,000
Kane, Illinois 186 $ 38,043,000 $ 204,532 $ 82,000
Will, Illinois 184 $ 36,469,000 $ 198,201 $ 72,000
Santa Clara, California 182 $ 52,805,000 $ 290,137 $ 120,000
Middlesex, New Jersey 182 $ 35,050,000 $ 192,582 $ 80,000
Delaware, Pennsylvania 177 $ 34,943,000 $ 197,418 $ 138,000
Calvert, Maryland 171 $ 31,283,000 $ 182,941 $ 94,000
Monmouth, New Jersey 171 $ 38,554,000 $ 225,461 $ 110,000
McHenry, Illinois 168 $ 31,517,000 $ 187,601 $ 80,000
Fairfield, Connecticut 167 $ 45,931,000 $ 275,035 $ 140,000
Jefferson, Colorado 164 $ 33,734,000 $ 205,695 $ 82,000
Oakland, Michigan 164 $ 40,305,000 $ 245,762 $ 99,000
Philadelphia, Pennsylvania 164 $ 22,236,000 $ 135,585 $ 71,000
Norfolk, Massachusetts 160 $ 40,014,000 $ 250,087 $ 110,000
Westchester, New York 159 $ 40,003,000 $ 251,591 $ 153,000
Clay, Florida 156 $ 25,730,000 $ 164,935 $ 84,000
Seminole, Florida 145 $ 26,452,000 $ 182,427 $ 89,000
Clark, Nevada 145 $ 26,344,000 $ 181,682 $ 69,000
Charles, Maryland 135 $ 27,207,000 $ 201,533 $ 86,000
Forsyth, Georgia 134 $ 29,333,000 $ 218,902 $ 96,000
Ventura, California 131 $ 33,267,000 $ 253,946 $ 79,000
Essex, Massachusetts 131 $ 31,236,000 $ 238,442 $ 86,000
Iredell, North Carolina 130 $ 24,066,000 $ 185,123 $ 83,000
Orange, Florida 124 $ 23,086,000 $ 186,177 $ 72,000
Worcester, Massachusetts 121 $ 25,339,000 $ 209,413 $ 109,000
Contra Costa, California 117 $ 30,774,000 $ 263,025 $ 79,000
Allegheny, Pennsylvania 117 $ 18,580,000 $ 158,803 $ 109,000
Denver, Colorado 116 $ 24,367,000 $ 210,060 $ 86,000
Frederick, Virginia 116 $ 16,513,000 $ 142,353 $ 73,000
Boulder, Colorado 115 $ 27,740,000 $ 241,217 $ 82,000
Stafford, Virginia 113 $ 22,562,000 $ 199,663 $ 100,000
Morris, New Jersey 112 $ 27,527,000 $ 245,776 $ 88,000
Marion, Indiana 110 $ 16,419,000 $ 149,263 $ 101,000
Harris, Texas 107 $ 16,476,000 $ 153,981 $ 69,000
Palm Beach, Florida 106 $ 22,897,000 $ 216,009 $ 302,000
New Castle, Delaware 103 $ 21,534,000 $ 209,067 $ 98,000
Arapahoe, Colorado 101 $ 20,909,000 $ 207,019 $ 91,000
Broward, Florida 97 $ 18,584,000 $ 191,587 $ 104,000
Hamilton, Indiana 97 $ 19,707,000 $ 203,164 $ 157,000
Jefferson, Kentucky 97 $ 17,268,000 $ 178,020 $ 99,000
San Francisco, California 95 $ 29,532,000 $ 310,863 $ 119,000
Baltimore City, Maryland 95 $ 16,036,000 $ 168,800 $ 92,000
Harford, Maryland 94 $ 17,798,000 $ 189,340 $ 93,000
Union, New Jersey 93 $ 18,970,000 $ 203,978 $ 89,000
Douglas, Colorado 92 $ 22,135,000 $ 240,597 $ 109,000
Snohomish, Washington 92 $ 19,691,000 $ 214,032 $ 78,000
Queens, New York 90 $ 19,865,000 $ 220,722 $ 70,000
Hartford, Connecticut 88 $ 16,337,000 $ 185,647 $ 93,000
Essex, New Jersey 88 $ 18,382,000 $ 208,886 $ 99,000
Wayne, Michigan 87 $ 15,920,000 $ 182,988 $ 67,000
Cherokee, Georgia 86 $ 16,188,000 $ 188,232 $ 84,000
Plymouth, Massachusetts 86 $ 18,922,000 $ 220,023 $ 98,000
Mercer, New Jersey 86 $ 18,199,000 $ 211,616 $ 144,000
Miami-Dade, Florida 85 $ 14,511,000 $ 170,717 $ 62,000
Somerset, New Jersey 85 $ 19,297,000 $ 227,023 $ 98,000
San Mateo, California 84 $ 25,912,000 $ 308,476 $ 128,000
Ocean, New Jersey 84 $ 15,627,000 $ 186,035 $ 75,000
Pima, Arizona 83 $ 13,468,000 $ 162,265 $ 61,000
York, Pennsylvania 83 $ 10,335,000 $ 124,518 $ 107,000
New Haven, Connecticut 80 $ 15,515,000 $ 193,937 $ 84,000
Hudson, New Jersey 76 $ 13,647,000 $ 179,565 $ 71,000
Kings, New York 75 $ 14,811,000 $ 197,480 $ 59,000
Adams, Colorado 72 $ 14,135,000 $ 196,319 $ 79,000
Wake, North Carolina 72 $ 14,256,000 $ 198,000 $ 86,000
Virginia Beach, Virginia 72 $ 11,680,000 $ 162,222 $ 85,000
Suffolk, Massachusetts 71 $ 15,724,000 $ 221,464 $ 80,000
Lake, Florida 69 $ 9,182,000 $ 133,072 $ 58,000
Worcester, Maryland 65 $ 12,227,000 $ 188,107 $ 143,000
Pierce, Washington 64 $ 12,953,000 $ 202,390 $ 139,000
Solano, California 62 $ 14,194,000 $ 228,935 $ 79,000
Bristol, Massachusetts 61 $ 11,744,000 $ 192,524 $ 76,000
Orange, New York 61 $ 11,113,000 $ 182,180 $ 94,000
Richmond, New York 61 $ 11,806,000 $ 193,540 $ 105,000
Rockland, New York 60 $ 14,902,000 $ 248,366 $ 134,000
Buncombe, North Carolina 59 $ 11,058,000 $ 187,423 $ 78,000
Henrico, Virginia 59 $ 11,044,000 $ 187,186 $ 84,000
Manassas, Virginia 58 $ 10,457,000 $ 180,293 $ 76,000
Sussex, Delaware 57 $ 11,820,000 $ 207,368 $ 120,000
Rockingham, New Hampshire 57 $ 12,071,000 $ 211,771 $ 76,000
Hillsborough, New Hampshire 56 $ 10,776,000 $ 192,428 $ 79,000
St. Mary's, Maryland 55 $ 10,130,000 $ 184,181 $ 84,000
Burlington, New Jersey 55 $ 10,698,000 $ 194,509 $ 76,000
Passaic, New Jersey 55 $ 10,123,000 $ 184,054 $ 76,000
Barnstable, Massachusetts 54 $ 10,308,000 $ 190,888 $ 127,000
Macomb, Michigan 53 $ 9,391,000 $ 177,188 $ 82,000
Fresno, California 52 $ 8,062,000 $ 155,038 $ 67,000
Hillsborough, Florida 52 $ 7,985,000 $ 153,557 $ 52,000
Franklin, Ohio 52 $ 10,289,000 $ 197,865 $ 71,000
Hennepin, Minnesota 51 $ 10,509,000 $ 206,058 $ 83,000
Camden, New Jersey 51 $ 8,891,000 $ 174,333 $ 73,000
Pueblo, Colorado 50 $ 6,018,000 $ 120,360 $ 45,000
Charlotte, Florida 50 $ 8,181,000 $ 163,620 $ 85,000
Hamilton, Ohio 50 $ 9,583,000 $ 191,660 $ 85,000
Fayette, Georgia 49 $ 10,186,000 $ 207,877 $ 103,000
Hunterdon, New Jersey 49 $ 12,513,000 $ 255,367 $ 85,000
Union, North Carolina 49 $ 9,284,000 $ 189,469 $ 60,000
Cuyahoga, Ohio 49 $ 8,780,000 $ 179,183 $ 86,000
Fauquier, Virginia 49 $ 11,591,000 $ 236,551 $ 90,000
Volusia, Florida 48 $ 6,923,000 $ 144,229 $ 82,000
Bronx, New York 47 $ 9,597,000 $ 204,191 $ 62,000
Honolulu, Hawaii 46 $ 13,497,000 $ 293,413 $ 96,000
Garrett, Maryland 46 $ 9,755,000 $ 212,065 $ 126,000
St. Louis, Missouri 46 $ 8,060,000 $ 175,217 $ 131,000
Chesterfield, Virginia 46 $ 8,415,000 $ 182,934 $ 92,000
San Joaquin, California 44 $ 8,658,000 $ 196,772 $ 77,000
Santa Barbara, California 44 $ 10,756,000 $ 244,454 $ 77,000
Kern, California 42 $ 6,047,000 $ 143,976 $ 126,000
Placer, California 42 $ 10,478,000 $ 249,476 $ 73,000
Washtenaw, Michigan 42 $ 9,806,000 $ 233,476 $ 97,000
Washington, Maryland 40 $ 6,242,000 $ 156,050 $ 78,000
Travis, Texas 40 $ 6,395,000 $ 159,875 $ 83,000
Fairfax City, Virginia 40 $ 11,108,000 $ 277,700 $ 137,000
Lee, Florida 39 $ 6,470,000 $ 165,897 $ 105,000
Hall, Georgia 39 $ 7,319,000 $ 187,666 $ 60,000
Spotsylvania, Virginia 39 $ 8,061,000 $ 206,692 $ 72,000
Stanislaus, California 38 $ 7,466,000 $ 196,473 $ 239,000
Nassau, Florida 38 $ 8,078,000 $ 212,578 $ 117,000
Genesee, Michigan 38 $ 6,913,000 $ 181,921 $ 72,000
Dutchess, New York 38 $ 8,008,000 $ 210,736 $ 79,000
Sonoma, California 37 $ 8,570,000 $ 231,621 $ 91,000
Queen Anne's, Maryland 37 $ 8,296,000 $ 224,216 $ 104,000
Gaston, North Carolina 37 $ 5,518,000 $ 149,135 $ 63,000
Lehigh, Pennsylvania 37 $ 5,541,000 $ 149,756 $ 85,000
Horry, South Carolina 37 $ 5,878,000 $ 158,864 $ 77,000
Cabarrus, North Carolina 36 $ 5,513,000 $ 153,138 $ 58,000
Westmoreland, Pennsylvania 36 $ 7,322,000 $ 203,388 $ 101,000
Fayette, Kentucky 35 $ 6,194,000 $ 176,971 $ 109,000
Cumberland, Maine 35 $ 6,530,000 $ 186,571 $ 73,000
Bexar, Texas 35 $ 5,519,000 $ 157,685 $ 101,000
Roanoke, Virginia 35 $ 5,844,000 $ 166,971 $ 82,000
Centre, Pennsylvania 34 $ 5,628,000 $ 165,529 $ 99,000
Loudon, Tennessee 34 $ 6,307,000 $ 185,500 $ 76,000
Franklin, Virginia 34 $ 5,911,000 $ 173,852 $ 52,000
Washoe, Nevada 33 $ 6,466,000 $ 195,939 $ 79,000
Putnam, New York 33 $ 7,044,000 $ 213,454 $ 103,000
Washington, Pennsylvania 33 $ 5,096,000 $ 154,424 $ 104,000
Shelby, Tennessee 33 $ 5,028,000 $ 152,363 $ 93,000
Pinellas, Florida 32 $ 5,533,000 $ 172,906 $ 146,000
York, Maine 32 $ 6,363,000 $ 198,843 $ 84,000
Livingston, Michigan 32 $ 7,247,000 $ 226,468 $ 61,000
Northampton, Pennsylvania 32 $ 4,955,000 $ 154,843 $ 69,000
Blount, Tennessee 31 $ 4,526,000 $ 146,000 $ 129,000
Rockwall, Texas 31 $ 8,361,000 $ 269,709 $ 194,000
Jefferson, Louisiana 30 $ 5,447,000 $ 181,566 $ 94,000
St. Tammany, Louisiana 30 $ 4,609,000 $ 153,633 $ 66,000
Dakota, Minnesota 30 $ 6,105,000 $ 203,500 $ 68,000
Sussex, New Jersey 30 $ 4,863,000 $ 162,100 $ 64,000
Multnomah, Oregon 30 $ 5,557,000 $ 185,233 $ 168,000
Washington, Oregon 30 $ 6,259,000 $ 208,633 $ 90,000
Albemarle, Virginia 30 $ 6,374,000 $ 212,466 $ 91,000
New Hanover, North Carolina 29 $ 4,123,000 $ 142,172 $ 31,000
Berks, Pennsylvania 29 $ 5,386,000 $ 185,724 $ 86,000
Warren, Virginia 29 $ 4,137,000 $ 142,655 $ 46,000
Cumberland, Pennsylvania 28 $ 3,953,000 $ 141,178 $ 57,000
Manassas Park, Virginia 28 $ 5,067,000 $ 180,964 $ 93,000
Monterey, California 27 $ 6,794,000 $ 251,629 $ 73,000
Santa Cruz, California 27 $ 7,244,000 $ 268,296 $ 73,000
Yolo, California 27 $ 5,910,000 $ 218,888 $ 77,000
Middlesex, Connecticut 27 $ 5,335,000 $ 197,592 $ 110,000
Delaware, Ohio 27 $ 7,059,000 $ 261,444 $ 125,000
Butler, Pennsylvania 27 $ 4,851,000 $ 179,666 $ 76,000
Dauphin, Pennsylvania 27 $ 2,170,000 $ 80,370 $ 35,000
Williamson, Texas 27 $ 4,042,000 $ 149,703 $ 100,000
Madison, Alabama 26 $ 5,176,000 $ 199,076 $ 88,000
San Luis Obispo, California 26 $ 6,846,000 $ 263,307 $ 95,000
Johnson, Indiana 26 $ 3,537,000 $ 136,038 $ 88,000
Montgomery, Ohio 26 $ 3,963,000 $ 152,423 $ 77,000
Davidson, Tennessee 26 $ 5,008,000 $ 192,615 $ 105,000
Parker, Texas 26 $ 6,055,000 $ 232,884 $ 143,000
Larimer, Colorado 25 $ 4,974,000 $ 198,960 $ 111,000
Teller, Colorado 25 $ 4,965,000 $ 198,600 $ 105,000
Weld, Colorado 25 $ 4,654,000 $ 186,160 $ 69,000
Brevard, Florida 25 $ 2,768,000 $ 110,720 $ 53,000
Collier, Florida 25 $ 5,532,000 $ 221,280 $ 115,000
Coweta, Georgia 25 $ 4,231,000 $ 169,240 $ 59,000
Henry, Georgia 25 $ 4,419,000 $ 176,760 $ 88,000
Wyandotte, Kansas 25 $ 1,236,000 $ 49,440 $ 35,000
Hampden, Massachusetts 25 $ 4,143,000 $ 165,720 $ 80,000
Jackson, Missouri 25 $ 3,062,000 $ 122,480 $ 48,000
Lincoln, North Carolina 25 $ 4,494,000 $ 179,760 $ 67,000
Providence, Rhode Island 25 $ 3,855,000 $ 154,200 $ 65,000
Charleston, South Carolina 25 $ 4,876,000 $ 195,040 $ 70,000
Fort Bend, Texas 25 $ 4,306,000 $ 172,240 $ 89,000
York, Virginia 25 $ 4,473,000 $ 178,920 $ 88,000
Jefferson, West Virginia 25 $ 4,751,000 $ 190,040 $ 72,000
Baldwin, Alabama 24 $ 5,480,000 $ 228,333 $ 119,000
New London, Connecticut 24 $ 5,477,000 $ 228,208 $ 208,000
Chatham, Georgia 24 $ 3,966,000 $ 165,250 $ 77,000
Clayton, Georgia 24 $ 2,763,000 $ 115,125 $ 55,000
Columbia, Georgia 24 $ 4,602,000 $ 191,750 $ 121,000
Summit, Ohio 24 $ 3,897,000 $ 162,375 $ 86,000
Lancaster, Pennsylvania 24 $ 2,880,000 $ 120,000 $ 56,000
Monroe, Pennsylvania 24 $ 2,772,000 $ 115,500 $ 59,000
York, South Carolina 24 $ 4,096,000 $ 170,666 $ 77,000
Culpeper, Virginia 24 $ 4,647,000 $ 193,625 $ 88,000
Hanover, Virginia 24 $ 4,534,000 $ 188,916 $ 89,000
Flagler, Florida 23 $ 3,033,000 $ 131,869 $ 45,000
Sarasota, Florida 23 $ 3,810,000 $ 165,652 $ 53,000
Orleans, Louisiana 23 $ 4,913,000 $ 213,608 $ 89,000
Panola, Mississippi 23 $ 2,966,000 $ 128,956 $ 60,000
Forsyth, North Carolina 23 $ 4,378,000 $ 190,347 $ 94,000
Chesapeake, Virginia 23 $ 4,440,000 $ 193,043 $ 98,000
Shelby, Alabama 22 $ 3,593,000 $ 163,318 $ 69,000
Martin, Florida 22 $ 3,954,000 $ 179,727 $ 61,000
Douglas, Georgia 22 $ 4,143,000 $ 188,318 $ 69,000
Kent, Michigan 22 $ 3,838,000 $ 174,454 $ 111,000
Washington, Minnesota 22 $ 5,808,000 $ 264,000 $ 99,000
Bernalillo, New Mexico 22 $ 3,891,000 $ 176,863 $ 85,000
Cumberland, North Carolina 22 $ 1,482,000 $ 67,363 $ 29,000
Guilford, North Carolina 22 $ 4,173,000 $ 189,681 $ 125,000
Butler, Ohio 22 $ 3,582,000 $ 162,818 $ 79,000
Clark, Washington 22 $ 4,286,000 $ 194,818 $ 85,000
Kitsap, Washington 22 $ 4,287,000 $ 194,863 $ 85,000
Jefferson, Alabama 21 $ 3,703,000 $ 176,333 $ 69,000
Johnson, Kansas 21 $ 2,998,000 $ 142,761 $ 93,000
Cecil, Maryland 21 $ 3,597,000 $ 171,285 $ 114,000
Atlantic, New Jersey 21 $ 2,787,000 $ 132,714 $ 95,000
Falls Church, Virginia 21 $ 4,903,000 $ 233,476 $ 101,000
El Dorado, California 20 $ 4,506,000 $ 225,300 $ 70,000
Hendricks, Indiana 20 $ 2,497,000 $ 124,850 $ 118,000
Madison, Indiana 20 $ 3,543,000 $ 177,150 $ 109,000
Boone, Kentucky 20 $ 3,477,000 $ 173,850 $ 90,000
Oldham, Kentucky 20 $ 3,893,000 $ 194,650 $ 98,000
Wicomico, Maryland 20 $ 2,826,000 $ 141,300 $ 80,000
Ramsey, Minnesota 20 $ 4,270,000 $ 213,500 $ 92,000
Alamance, North Carolina 20 $ 2,138,000 $ 106,900 $ 23,000
Warren, Ohio 20 $ 3,463,000 $ 173,150 $ 86,000
Yavapai, Arizona 19 $ 3,226,000 $ 169,789 $ 81,000
Alachua, Florida 19 $ 2,539,000 $ 133,631 $ 182,000
Leon, Florida 19 $ 2,915,000 $ 153,421 $ 124,000
Paulding, Georgia 19 $ 2,371,000 $ 124,789 $ 57,000
Rockdale, Georgia 19 $ 2,938,000 $ 154,631 $ 221,000
Ada, Idaho 19 $ 3,670,000 $ 193,157 $ 93,000
Sedgwick, Kansas 19 $ 2,697,000 $ 141,947 $ 163,000
Caddo, Louisiana 19 $ 2,827,000 $ 148,789 $ 65,000
Anoka, Minnesota 19 $ 4,193,000 $ 220,684 $ 90,000
DeSoto, Mississippi 19 $ 2,921,000 $ 153,736 $ 98,000
Lancaster, Nebraska 19 $ 2,842,000 $ 149,578 $ 58,000
Gloucester, New Jersey 19 $ 3,043,000 $ 160,157 $ 92,000
Mobile, Alabama 18 $ 4,444,000 $ 246,888 $ 90,000
Litchfield, Connecticut 18 $ 4,358,000 $ 242,111 $ 148,000
Polk, Florida 18 $ 2,420,000 $ 134,444 $ 152,000
Bartow, Georgia 18 $ 2,680,000 $ 148,888 $ 37,000
Kenton, Kentucky 18 $ 2,775,000 $ 154,166 $ 66,000
East Baton Rouge, Louisiana 18 $ 2,751,000 $ 152,833 $ 85,000
Erie, New York 18 $ 2,222,000 $ 123,444 $ 90,000
Rowan, North Carolina 18 $ 2,008,000 $ 111,555 $ 56,000
Washington, Rhode Island 18 $ 3,415,000 $ 189,722 $ 89,000
Montgomery, Texas 18 $ 2,752,000 $ 152,888 $ 72,000
James City, Virginia 18 $ 4,380,000 $ 243,333 $ 103,000
Richmond City, Virginia 18 $ 2,952,000 $ 164,000 $ 53,000
Marin, California 17 $ 5,208,000 $ 306,352 $ 82,000
Napa, California 17 $ 4,467,000 $ 262,764 $ 69,000
Fremont, Colorado 17 $ 2,196,000 $ 129,176 $ 71,000
Porter, Indiana 17 $ 2,999,000 $ 176,411 $ 73,000
Strafford, New Hampshire 17 $ 3,095,000 $ 182,058 $ 85,000
Warren, New Jersey 17 $ 3,433,000 $ 201,941 $ 64,000
Saratoga, New York 17 $ 3,132,000 $ 184,235 $ 116,000
Ulster, New York 17 $ 2,471,000 $ 145,352 $ 60,000
Catawba, North Carolina 17 $ 2,866,000 $ 168,588 $ 55,000
Beaufort, South Carolina 17 $ 4,007,000 $ 235,705 $ 122,000
Clarke, Virginia 17 $ 4,099,000 $ 241,117 $ 80,000
Shenandoah, Virginia 17 $ 2,311,000 $ 135,941 $ 58,000
Tolland, Connecticut 16 $ 2,788,000 $ 174,250 $ 89,000
Kendall, Illinois 16 $ 2,981,000 $ 186,312 $ 91,000
Hinds, Mississippi 16 $ 1,442,000 $ 90,125 $ 37,000
Santa Fe, New Mexico 16 $ 2,906,000 $ 181,625 $ 101,000
Salt Lake, Utah 16 $ 2,647,000 $ 165,437 $ 65,000
Berkeley, West Virginia 16 $ 2,098,000 $ 131,125 $ 77,000
Pasco, Florida 15 $ 1,674,000 $ 111,600 $ 49,000
Clermont, Ohio 15 $ 2,810,000 $ 187,333 $ 102,000
Tulsa, Oklahoma 15 $ 2,369,000 $ 157,933 $ 87,000
Nevada, California 14 $ 2,346,000 $ 167,571 $ 60,000
Putnam, Florida 14 $ 2,004,000 $ 143,142 $ 60,000
Boone, Indiana 14 $ 3,872,000 $ 276,571 $ 119,000
Merrimack, New Hampshire 14 $ 2,441,000 $ 174,357 $ 75,000
Cape May, New Jersey 14 $ 3,325,000 $ 237,500 $ 205,000
Clackamas, Oregon 14 $ 2,281,000 $ 162,928 $ 237,000
Newport, Rhode Island 14 $ 2,098,000 $ 149,857 $ 73,000
Greenville, South Carolina 14 $ 2,446,000 $ 174,714 $ 92,000
Monroe, Tennessee 14 $ 3,828,000 $ 273,428 $ 60,000
Ellis, Texas 14 $ 2,298,000 $ 164,142 $ 129,000
Kaufman, Texas 14 $ 1,970,000 $ 140,714 $ 68,000
Thurston, Washington 14 $ 2,611,000 $ 186,500 $ 74,000
Pulaski, Arkansas 13 $ 2,031,000 $ 156,230 $ 82,000
Manatee, Florida 13 $ 2,226,000 $ 171,230 $ 68,000
Dare, North Carolina 13 $ 1,909,000 $ 146,846 $ 71,000
Lorain, Ohio 13 $ 2,230,000 $ 171,538 $ 93,000
Roane, Tennessee 13 $ 1,782,000 $ 137,076 $ 81,000
Williamson, Tennessee 13 $ 2,823,000 $ 217,153 $ 95,000
Yuma, Arizona 12 $ 1,176,000 $ 98,000 $ 87,000
Eagle, Colorado 12 $ 3,700,000 $ 308,333 $ 118,000
Kent, Delaware 12 $ 1,570,000 $ 130,833 $ 58,000
Hancock, Indiana 12 $ 1,636,000 $ 136,333 $ 88,000
Lake, Indiana 12 $ 1,837,000 $ 153,083 $ 106,000
Douglas, Nebraska 12 $ 1,835,000 $ 152,916 $ 69,000
Belknap, New Hampshire 12 $ 2,150,000 $ 179,166 $ 94,000
Bedford, Virginia 12 $ 1,795,000 $ 149,583 $ 74,000
Whatcom, Washington 12 $ 3,015,000 $ 251,250 $ 167,000
St. Lucie, Florida 11 $ 1,963,000 $ 178,454 $ 67,000
Dawson, Georgia 11 $ 1,655,000 $ 150,454 $ 71,000
Winnebago, Illinois 11 $ 1,735,000 $ 157,727 $ 90,000
Bartholomew, Indiana 11 $ 1,774,000 $ 161,272 $ 80,000
Ingham, Michigan 11 $ 3,057,000 $ 277,909 $ 111,000
Kalamazoo, Michigan 11 $ 1,438,000 $ 130,727 $ 55,000
Monroe, New York 11 $ 2,004,000 $ 182,181 $ 84,000
Onondaga, New York 11 $ 1,288,000 $ 117,090 $ 61,000
Mahoning, Ohio 11 $ 598,000 $ 54,363 $ 42,000
Oklahoma, Oklahoma 11 $ 1,773,000 $ 161,181 $ 153,000
Pike, Pennsylvania 11 $ 1,392,000 $ 126,545 $ 34,000
Richland, South Carolina 11 $ 1,596,000 $ 145,090 $ 108,000
Johnson, Texas 11 $ 1,943,000 $ 176,636 $ 65,000
Roanoke City, Virginia 11 $ 1,427,000 $ 129,727 $ 55,000
Spokane, Washington 11 $ 2,429,000 $ 220,818 $ 106,000
Tulare, California 10 $ 1,509,000 $ 150,900 $ 65,000
Okaloosa, Florida 10 $ 2,125,000 $ 212,500 $ 75,000
Bibb, Georgia 10 $ 1,563,000 $ 156,300 $ 98,000
Carroll, Georgia 10 $ 1,373,000 $ 137,300 $ 54,000
Newton, Georgia 10 $ 1,610,000 $ 161,000 $ 60,000
Madison, Illinois 10 $ 1,586,000 $ 158,600 $ 114,000
Shawnee, Kansas 10 $ 492,000 $ 49,200 $ 46,000
St. Louis City, Missouri 10 $ 1,513,000 $ 151,300 $ 89,000
New York, New York 10 $ 2,451,000 $ 245,100 $ 189,000
Geauga, Ohio 10 $ 1,925,000 $ 192,500 $ 82,000
Adams, Pennsylvania 10 $ 1,145,000 $ 114,500 $ 56,000
Anderson, Tennessee 10 $ 1,611,000 $ 161,100 $ 118,000
Hamilton, Tennessee 10 $ 1,714,000 $ 171,400 $ 91,000
Newport News, Virginia 10 $ 1,817,000 $ 181,700 $ 153,000
Orange, Virginia 10 $ 1,479,000 $ 147,900 $ 107,000
Winchester, Virginia 10 $ 1,396,000 $ 139,600 $ 49,000
Skagit, Washington 10 $ 1,872,000 $ 187,200 $ 68,000
Anchorage, Alaska 9 $ 1,463,000 $ 162,555 $ 126,000
Cochise, Arizona 9 $ 675,000 $ 75,000 $ 36,000
Butte, California 9 $ 1,191,000 $ 132,333 $ 54,000
Summit, Colorado 9 $ 2,061,000 $ 229,000 $ 100,000
Marion, Florida 9 $ 866,000 $ 96,222 $ 52,000
Okeechobee, Florida 9 $ 956,000 $ 106,222 $ 49,000
Osceola, Florida 9 $ 924,000 $ 102,666 $ 47,000
Santa Rosa, Florida 9 $ 2,713,000 $ 301,444 $ 599,000
Clarke, Georgia 9 $ 2,137,000 $ 237,444 $ 199,000
Houston, Georgia 9 $ 1,667,000 $ 185,222 $ 111,000
Pickens, Georgia 9 $ 1,700,000 $ 188,888 $ 109,000
Walton, Georgia 9 $ 1,602,000 $ 178,000 $ 89,000
Delaware, Indiana 9 $ 1,395,000 $ 155,000 $ 77,000
Allegan, Michigan 9 $ 1,899,000 $ 211,000 $ 101,000
St. Clair, Michigan 9 $ 1,552,000 $ 172,444 $ 90,000
Durham, North Carolina 9 $ 1,087,000 $ 120,777 $ 43,000
Madison, North Carolina 9 $ 1,524,000 $ 169,333 $ 78,000
Wise, Texas 9 $ 1,535,000 $ 170,555 $ 96,000
Norfolk, Virginia 9 $ 1,250,000 $ 138,888 $ 57,000
Washington, Virginia 9 $ 1,014,000 $ 112,666 $ 58,000
Dane, Wisconsin 9 $ 1,746,000 $ 194,000 $ 117,000
Waukesha, Wisconsin 9 $ 1,582,000 $ 175,777 $ 126,000
La Plata, Colorado 8 $ 1,818,000 $ 227,250 $ 76,000
Baker, Florida 8 $ 1,050,000 $ 131,250 $ 60,000
Indian River, Florida 8 $ 1,055,000 $ 131,875 $ 113,000
Hawaii, Hawaii 8 $ 1,126,000 $ 140,750 $ 42,000
DeKalb, Illinois 8 $ 1,154,000 $ 144,250 $ 41,000
Putnam, Indiana 8 $ 1,012,000 $ 126,500 $ 52,000
St. Joseph, Indiana 8 $ 1,100,000 $ 137,500 $ 69,000
Polk, Iowa 8 $ 1,409,000 $ 176,125 $ 60,000
Hampshire, Massachusetts 8 $ 1,431,000 $ 178,875 $ 86,000
Ottawa, Michigan 8 $ 1,179,000 $ 147,375 $ 60,000
Madison, Mississippi 8 $ 2,295,000 $ 286,875 $ 181,000
St. Charles, Missouri 8 $ 1,330,000 $ 166,250 $ 60,000
Albany, New York 8 $ 1,328,000 $ 166,000 $ 80,000
Brunswick, North Carolina 8 $ 1,437,000 $ 179,625 $ 86,000
Halifax, North Carolina 8 $ 914,000 $ 114,250 $ 38,000
Henderson, North Carolina 8 $ 1,379,000 $ 172,375 $ 80,000
Lucas, Ohio 8 $ 1,460,000 $ 182,500 $ 96,000
Medina, Ohio 8 $ 1,448,000 $ 181,000 $ 94,000
Stark, Ohio 8 $ 1,198,000 $ 149,750 $ 67,000
Wayne, Pennsylvania 8 $ 1,374,000 $ 171,750 $ 153,000
Lexington, South Carolina 8 $ 1,733,000 $ 216,625 $ 65,000
Cheatham, Tennessee 8 $ 866,000 $ 108,250 $ 45,000
Bell, Texas 8 $ 999,000 $ 124,875 $ 51,000
El Paso, Texas 8 $ 574,000 $ 71,750 $ 28,000
Lamoille, Vermont 8 $ 1,484,000 $ 185,500 $ 113,000
Montgomery, Virginia 8 $ 1,025,000 $ 128,125 $ 71,000
Milwaukee, Wisconsin 8 $ 977,000 $ 122,125 $ 82,000
Pinal, Arizona 7 $ 672,000 $ 96,000 $ 60,000
Shasta, California 7 $ 1,548,000 $ 221,142 $ 147,000
Gilpin, Colorado 7 $ 1,666,000 $ 238,000 $ 85,000
Glynn, Georgia 7 $ 1,163,000 $ 166,142 $ 72,000
Jackson, Georgia 7 $ 1,426,000 $ 203,714 $ 70,000
Maui, Hawaii 7 $ 2,046,000 $ 292,285 $ 69,000
Scott, Iowa 7 $ 1,160,000 $ 165,714 $ 111,000
Bullitt, Kentucky 7 $ 844,000 $ 120,571 $ 47,000
Shelby, Kentucky 7 $ 1,335,000 $ 190,714 $ 67,000
Allegany, Maryland 7 $ 888,000 $ 126,857 $ 94,000
Berrien, Michigan 7 $ 1,681,000 $ 240,142 $ 95,000
Lapeer, Michigan 7 $ 1,238,000 $ 176,857 $ 71,000
Douglas, Nevada 7 $ 1,566,000 $ 223,714 $ 60,000
Niagara, New York 7 $ 716,000 $ 102,285 $ 53,000
Sullivan, New York 7 $ 902,000 $ 128,857 $ 59,000
Carteret, North Carolina 7 $ 981,000 $ 140,142 $ 203,000
Currituck, North Carolina 7 $ 1,455,000 $ 207,857 $ 250,000
Rockingham, North Carolina 7 $ 653,000 $ 93,285 $ 40,000
Greene, Ohio 7 $ 1,256,000 $ 179,428 $ 77,000
Lake, Ohio 7 $ 1,069,000 $ 152,714 $ 65,000
Cleveland, Oklahoma 7 $ 833,000 $ 119,000 $ 37,000
Kent, Rhode Island 7 $ 946,000 $ 135,142 $ 52,000
Wilson, Tennessee 7 $ 866,000 $ 123,714 $ 53,000
Chittenden, Vermont 7 $ 1,142,000 $ 163,142 $ 74,000
Washington, Vermont 7 $ 1,232,000 $ 176,000 $ 90,000
Augusta, Virginia 7 $ 890,000 $ 127,142 $ 52,000
Charlottesville, Virginia 7 $ 963,000 $ 137,571 $ 57,000
Westmoreland, Virginia 7 $ 1,317,000 $ 188,142 $ 168,000
Montgomery, Alabama 6 $ 529,000 $ 88,166 $ 101,000
Coconino, Arizona 6 $ 1,133,000 $ 188,833 $ 100,000
Benton, Arkansas 6 $ 576,000 $ 96,000 $ 92,000
Merced, California 6 $ 1,084,000 $ 180,666 $ 71,000
San Benito, California 6 $ 2,254,000 $ 375,666 $ 112,000
Routt, Colorado 6 $ 1,212,000 $ 202,000 $ 152,000
Windham, Connecticut 6 $ 970,000 $ 161,666 $ 67,000
Bay, Florida 6 $ 824,000 $ 137,333 $ 79,000
Escambia, Florida 6 $ 977,000 $ 162,833 $ 117,000
Highlands, Florida 6 $ 757,000 $ 126,166 $ 109,000
Lumpkin, Georgia 6 $ 1,453,000 $ 242,166 $ 115,000
Muscogee, Georgia 6 $ 663,000 $ 110,500 $ 61,000
Kankakee, Illinois 6 $ 694,000 $ 115,666 $ 58,000
St. Clair, Illinois 6 $ 676,000 $ 112,666 $ 65,000
Clark, Indiana 6 $ 1,604,000 $ 267,333 $ 229,000
Tippecanoe, Indiana 6 $ 1,021,000 $ 170,166 $ 87,000
Linn, Iowa 6 $ 528,000 $ 88,000 $ 63,000
Bossier, Louisiana 6 $ 818,000 $ 136,333 $ 59,000
Talbot, Maryland 6 $ 1,759,000 $ 293,166 $ 199,000
Berkshire, Massachusetts 6 $ 1,165,000 $ 194,166 $ 84,000
Jackson, Michigan 6 $ 792,000 $ 132,000 $ 62,000
Scott, Minnesota 6 $ 1,525,000 $ 254,166 $ 86,000
Tate, Mississippi 6 $ 945,000 $ 157,500 $ 86,000
Gallatin, Montana 6 $ 951,000 $ 158,500 $ 37,000
Haywood, North Carolina 6 $ 1,417,000 $ 236,166 $ 79,000
Jackson, North Carolina 6 $ 1,094,000 $ 182,333 $ 175,000
Orange, North Carolina 6 $ 1,728,000 $ 288,000 $ 136,000
Pender, North Carolina 6 $ 913,000 $ 152,166 $ 49,000
Fairfield, Ohio 6 $ 1,026,000 $ 171,000 $ 72,000
Licking, Ohio 6 $ 1,116,000 $ 186,000 $ 81,000
Beaver, Pennsylvania 6 $ 896,000 $ 149,333 $ 82,000
Cambria, Pennsylvania 6 $ 479,000 $ 79,833 $ 79,000
Carbon, Pennsylvania 6 $ 590,000 $ 98,333 $ 58,000
Erie, Pennsylvania 6 $ 453,000 $ 75,500 $ 55,000
Luzerne, Pennsylvania 6 $ 606,000 $ 101,000 $ 42,000
Colleton, South Carolina 6 $ 354,000 $ 59,000 $ 31,000
Spartanburg, South Carolina 6 $ 1,088,000 $ 181,333 $ 83,000
Bradley, Tennessee 6 $ 1,147,000 $ 191,166 $ 80,000
Campbell, Tennessee 6 $ 1,391,000 $ 231,833 $ 186,000
Sumner, Tennessee 6 $ 1,228,000 $ 204,666 $ 81,000
Lubbock, Texas 6 $ 715,000 $ 119,166 $ 97,000
McLennan, Texas 6 $ 1,243,000 $ 207,166 $ 139,000
Smith, Texas 6 $ 722,000 $ 120,333 $ 34,000
Louisa, Virginia 6 $ 956,000 $ 159,333 $ 77,000
Page, Virginia 6 $ 889,000 $ 148,166 $ 129,000
Rockingham, Virginia 6 $ 1,065,000 $ 177,500 $ 79,000
Island, Washington 6 $ 1,491,000 $ 248,500 $ 81,000
Hampshire, West Virginia 6 $ 722,000 $ 120,333 $ 81,000
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Mortgage Loan Application Detail Totals for Everbank in 2003

Loan Purpose

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Refinancing (home purchase or home improvement, one-to-four family) 34,837 $7,326,860,000 $183,823 $1,900,000 $96,666 $5,400,000
Home Purchase (one-to-four family) 6,697 $1,388,165,000 $186,795 $2,400,000 $93,183 $3,000,000
Multifamily dwelling (home purchase, home improvement, and refinancings) 2 $334,000 $167,000 $284,000 $0 $0
Home Improvement (one-to-four family) 0 $0 $0 $0 $0 $0

Applicant Race

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
White 23,751 $4,908,987,000 $179,196 $2,400,000 $97,901 $3,000,000
Information not provided by applicant in mail or telephone application 9,389 $2,036,290,000 $195,980 $1,500,000 $96,823 $5,400,000
Asian or Pacific Islander 4,490 $1,073,367,000 $211,378 $1,000,000 $89,513 $2,160,000
Hispanic 1,817 $330,265,000 $147,594 $640,000 $78,270 $1,104,000
Black 1,394 $222,814,000 $139,457 $860,000 $76,600 $3,276,000
Other 428 $88,481,000 $187,942 $910,000 $95,628 $1,800,000
Not applicable 153 $31,151,000 $197,833 $880,000 $0 $0
American Indian or Alaskan Native 114 $24,004,000 $176,875 $600,000 $66,583 $405,000

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) 41,435 $8,685,813,000 $183,960 $2,400,000 $95,078 $5,400,000
VA-guaranteed (Veterans Administration) 56 $25,702,000 $439,562 $880,000 $1,937 $90,000
FHA-insured (Federal Housing Administration) 43 $3,721,000 $81,714 $290,000 $20,857 $118,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 2 $123,000 $61,500 $63,000 $28,500 $57,000

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 24,261 $5,009,493,000 $166,420 $2,400,000 $78,260 $3,276,000
Loan Purchased By The Institution 10,061 $2,221,643,000 $199,450 $1,000,000 $95,411 $2,700,000
Application Approved But Not Accepted 3,736 $814,748,000 $177,530 $1,000,000 $124,000 $3,000,000
Application Denied By Financial Institution 1,845 $336,912,000 $148,200 $1,490,000 $96,022 $5,400,000
File Closed For Incompleteness 1,052 $225,011,000 $185,021 $1,900,000 $84,586 $2,160,000
Application Withdrawn By Applicant 581 $107,552,000 $135,820 $1,729,000 $66,948 $1,603,000

Denial Reason

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Credit History 772 $137,185,000 $129,690 $975,000 $92,809 $3,000,000
Other 309 $62,368,000 $189,625 $875,000 $140,875 $1,800,000
Debt-To-Income Ratio 299 $61,395,000 $165,514 $1,490,000 $99,257 $5,400,000
Collateral 207 $34,121,000 $146,756 $860,000 $84,756 $792,000
Insufficient Cash (Downpayment, Closing Cost) 162 $22,087,000 $125,100 $598,000 $56,366 $325,000
Employment History 47 $9,523,000 $160,055 $558,000 $72,388 $264,000
Unverifiable Information 38 $8,349,000 $197,500 $670,000 $68,750 $284,000
Credit Application Incomplete 9 $1,638,000 $180,000 $500,000 $63,428 $139,000
Mortgage Insurance Denied 2 $246,000 $123,000 $145,000 $108,000 $121,000

Our comprehensive HMDA mortgage statistics provide invaluable insights into Everbank's 2003 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.

This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics, and assess Everbank'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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