Everbank Mortgage Lending & HMDA Data, 2004

In 2004, Everbank of Jacksonville, FL reported 28,828 mortgage applications totaling $6.3 billion, down 31% from 2003. The average application was for $218,634, and applicants reported an average income of $78,551. 48% of its applications resulted in an originated loan and 6% were denied. Its largest markets were New York-Wayne-White Plains, NY-NJ (3,457), Los Angeles-Long Beach-Glendale, CA (2,727) and Chicago-Naperville-Joliet, IL (1,084) (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 28,828
Total Mortgage Loan Application Amount $6,302,788,000
Average Mortgage Loan Application Amount $218,634
Highest Mortgage Loan Application Amount $7,500,000
Average Applicant Income $78,551
Highest Applicant Income $3,779,000

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Disclosure Act (HMDA) records Everbank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2004

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Los Angeles, California 2,727 $ 699,962,000 $ 256,678 $ 77,000
Queens, New York 1,306 $ 353,718,000 $ 270,840 $ 64,000
Kings, New York 945 $ 274,148,000 $ 290,103 $ 70,000
Orange, California 738 $ 216,092,000 $ 292,807 $ 85,000
Montgomery, Maryland 701 $ 186,317,000 $ 265,787 $ 94,000
Cook, Illinois 698 $ 161,907,000 $ 231,958 $ 75,000
Duval, Florida 671 $ 108,223,000 $ 161,286 $ 75,000
Fairfax, Virginia 628 $ 169,083,000 $ 269,240 $ 82,000
Suffolk, New York 533 $ 129,699,000 $ 243,337 $ 85,000
Nassau, New York 503 $ 139,199,000 $ 276,737 $ 100,000
San Bernardino, California 478 $ 94,212,000 $ 197,096 $ 71,000
Westchester, New York 463 $ 112,365,000 $ 242,688 $ 99,000
Riverside, California 362 $ 82,477,000 $ 227,837 $ 88,000
King, Washington 338 $ 78,861,000 $ 233,316 $ 99,000
Bergen, New Jersey 326 $ 98,049,000 $ 300,763 $ 107,000
San Diego, California 294 $ 81,798,000 $ 278,224 $ 79,000
Sacramento, California 244 $ 56,731,000 $ 232,504 $ 78,000
Prince George's, Maryland 237 $ 43,888,000 $ 185,181 $ 61,000
Dallas, Texas 231 $ 39,315,000 $ 170,194 $ 124,000
Orange, New York 226 $ 44,062,000 $ 194,964 $ 67,000
Prince William, Virginia 219 $ 50,496,000 $ 230,575 $ 75,000
St. Johns, Florida 213 $ 50,525,000 $ 237,206 $ 114,000
Richmond, New York 213 $ 49,989,000 $ 234,690 $ 67,000
District of Columbia, District Of Columbia 212 $ 53,083,000 $ 250,391 $ 91,000
Baltimore, Maryland 212 $ 40,021,000 $ 188,778 $ 63,000
Howard, Maryland 199 $ 49,428,000 $ 248,381 $ 106,000
New York, New York 198 $ 61,957,000 $ 312,914 $ 128,000
Alameda, California 192 $ 54,537,000 $ 284,046 $ 90,000
Loudoun, Virginia 191 $ 53,926,000 $ 282,335 $ 100,000
Tarrant, Texas 190 $ 33,658,000 $ 177,147 $ 76,000
Anne Arundel, Maryland 183 $ 38,075,000 $ 208,060 $ 75,000
Maricopa, Arizona 171 $ 29,573,000 $ 172,941 $ 107,000
DuPage, Illinois 170 $ 44,161,000 $ 259,770 $ 92,000
Bronx, New York 151 $ 30,454,000 $ 201,682 $ 80,000
Fulton, Georgia 150 $ 37,084,000 $ 247,226 $ 92,000
Montgomery, Pennsylvania 149 $ 31,310,000 $ 210,134 $ 108,000
Clark, Nevada 142 $ 32,168,000 $ 226,535 $ 110,000
El Paso, Colorado 138 $ 26,872,000 $ 194,724 $ 80,000
Middlesex, New Jersey 136 $ 29,192,000 $ 214,647 $ 76,000
Harris, Texas 136 $ 8,363,000 $ 61,492 $ 50,000
Ventura, California 135 $ 36,594,000 $ 271,066 $ 101,000
Palm Beach, Florida 134 $ 33,942,000 $ 253,298 $ 139,000
Rockland, New York 132 $ 33,597,000 $ 254,522 $ 85,000
Denton, Texas 132 $ 23,410,000 $ 177,348 $ 79,000
Cobb, Georgia 130 $ 26,244,000 $ 201,876 $ 89,000
Mecklenburg, North Carolina 130 $ 22,147,000 $ 170,361 $ 60,000
Fairfield, Connecticut 125 $ 37,651,000 $ 301,208 $ 113,000
Monmouth, New Jersey 125 $ 33,140,000 $ 265,120 $ 111,000
Orange, Florida 124 $ 21,136,000 $ 170,451 $ 62,000
Frederick, Maryland 123 $ 26,341,000 $ 214,154 $ 90,000
Hudson, New Jersey 123 $ 28,645,000 $ 232,886 $ 95,000
Broward, Florida 119 $ 18,179,000 $ 152,764 $ 73,000
Collin, Texas 119 $ 23,252,000 $ 195,394 $ 92,000
Santa Clara, California 117 $ 34,349,000 $ 293,581 $ 90,000
Arlington, Virginia 117 $ 38,113,000 $ 325,752 $ 109,000
Middlesex, Massachusetts 115 $ 29,388,000 $ 255,547 $ 89,000
Essex, New Jersey 113 $ 24,841,000 $ 219,831 $ 82,000
Morris, New Jersey 108 $ 29,983,000 $ 277,620 $ 105,000
Chester, Pennsylvania 107 $ 24,989,000 $ 233,542 $ 105,000
Ocean, New Jersey 105 $ 22,329,000 $ 212,657 $ 99,000
Gwinnett, Georgia 103 $ 21,622,000 $ 209,922 $ 105,000
DeKalb, Georgia 102 $ 20,757,000 $ 203,500 $ 72,000
Lake, Illinois 102 $ 25,570,000 $ 250,686 $ 78,000
Bucks, Pennsylvania 101 $ 19,986,000 $ 197,881 $ 82,000
Bexar, Texas 101 $ 6,715,000 $ 66,485 $ 34,000
Miami-Dade, Florida 97 $ 14,827,000 $ 152,855 $ 56,000
Contra Costa, California 96 $ 25,430,000 $ 264,895 $ 72,000
Baltimore City, Maryland 93 $ 12,975,000 $ 139,516 $ 57,000
Snohomish, Washington 92 $ 17,950,000 $ 195,108 $ 66,000
Hillsborough, Florida 90 $ 13,099,000 $ 145,544 $ 71,000
Alexandria, Virginia 89 $ 25,112,000 $ 282,157 $ 117,000
Passaic, New Jersey 88 $ 20,175,000 $ 229,261 $ 92,000
Kern, California 83 $ 12,343,000 $ 148,710 $ 59,000
Fresno, California 81 $ 11,303,000 $ 139,543 $ 51,000
Clay, Florida 81 $ 13,782,000 $ 170,148 $ 66,000
Will, Illinois 80 $ 16,295,000 $ 203,687 $ 75,000
Philadelphia, Pennsylvania 80 $ 10,771,000 $ 134,637 $ 59,000
Denver, Colorado 78 $ 15,284,000 $ 195,948 $ 64,000
Worcester, Massachusetts 75 $ 15,273,000 $ 203,640 $ 93,000
Seminole, Florida 74 $ 13,108,000 $ 177,135 $ 76,000
Calvert, Maryland 74 $ 14,363,000 $ 194,094 $ 73,000
Oakland, Michigan 74 $ 17,914,000 $ 242,081 $ 101,000
Dutchess, New York 74 $ 13,809,000 $ 186,608 $ 65,000
Pinellas, Florida 72 $ 12,358,000 $ 171,638 $ 99,000
Carroll, Maryland 71 $ 15,459,000 $ 217,732 $ 82,000
Pierce, Washington 68 $ 11,321,000 $ 166,485 $ 59,000
San Joaquin, California 67 $ 14,654,000 $ 218,716 $ 73,000
Jefferson, Colorado 67 $ 15,385,000 $ 229,626 $ 86,000
Delaware, Pennsylvania 67 $ 10,032,000 $ 149,731 $ 65,000
Kane, Illinois 66 $ 14,812,000 $ 224,424 $ 70,000
Marion, Indiana 66 $ 6,796,000 $ 102,969 $ 48,000
Wayne, Michigan 66 $ 7,710,000 $ 116,818 $ 53,000
New Haven, Connecticut 64 $ 13,557,000 $ 211,828 $ 83,000
Hartford, Connecticut 63 $ 11,706,000 $ 185,809 $ 67,000
Somerset, New Jersey 62 $ 16,562,000 $ 267,129 $ 111,000
San Francisco, California 59 $ 20,430,000 $ 346,271 $ 109,000
Arapahoe, Colorado 59 $ 10,714,000 $ 181,593 $ 67,000
McHenry, Illinois 59 $ 12,410,000 $ 210,338 $ 70,000
Douglas, Colorado 57 $ 14,062,000 $ 246,701 $ 83,000
Stafford, Virginia 57 $ 13,248,000 $ 232,421 $ 83,000
Forsyth, Georgia 56 $ 12,339,000 $ 220,339 $ 71,000
San Mateo, California 55 $ 17,938,000 $ 326,145 $ 103,000
Hennepin, Minnesota 55 $ 9,616,000 $ 174,836 $ 67,000
Union, New Jersey 54 $ 12,556,000 $ 232,518 $ 85,000
Charles, Maryland 53 $ 10,185,000 $ 192,169 $ 70,000
Harford, Maryland 53 $ 10,128,000 $ 191,094 $ 71,000
Burlington, New Jersey 53 $ 9,150,000 $ 172,641 $ 66,000
Lee, Florida 52 $ 8,801,000 $ 169,250 $ 83,000
Mercer, New Jersey 52 $ 10,538,000 $ 202,653 $ 96,000
New Castle, Delaware 50 $ 8,850,000 $ 177,000 $ 91,000
Essex, Massachusetts 50 $ 11,667,000 $ 233,340 $ 84,000
Cuyahoga, Ohio 50 $ 7,151,000 $ 143,020 $ 90,000
Norfolk, Massachusetts 49 $ 15,153,000 $ 309,244 $ 100,000
Jackson, Missouri 49 $ 2,785,000 $ 56,836 $ 32,000
Putnam, New York 49 $ 12,047,000 $ 245,857 $ 81,000
Shelby, Tennessee 48 $ 4,493,000 $ 93,604 $ 45,000
Wake, North Carolina 47 $ 7,545,000 $ 160,531 $ 61,000
Rockingham, New Hampshire 46 $ 9,493,000 $ 206,369 $ 86,000
York, Pennsylvania 45 $ 6,140,000 $ 136,444 $ 66,000
St. Louis, Missouri 43 $ 7,887,000 $ 183,418 $ 152,000
Camden, New Jersey 43 $ 6,158,000 $ 143,209 $ 70,000
Sussex, New Jersey 43 $ 9,607,000 $ 223,418 $ 92,000
Knox, Tennessee 43 $ 7,360,000 $ 171,162 $ 105,000
Volusia, Florida 42 $ 5,087,000 $ 121,119 $ 70,000
Franklin, Ohio 42 $ 6,603,000 $ 157,214 $ 85,000
Worcester, Maryland 41 $ 8,942,000 $ 218,097 $ 151,000
Milwaukee, Wisconsin 41 $ 2,269,000 $ 55,341 $ 67,000
Virginia Beach, Virginia 39 $ 6,475,000 $ 166,025 $ 61,000
Suffolk, Massachusetts 37 $ 8,180,000 $ 221,081 $ 63,000
Beaufort, South Carolina 37 $ 8,180,000 $ 221,081 $ 101,000
Pima, Arizona 36 $ 4,694,000 $ 130,388 $ 52,000
Plymouth, Massachusetts 36 $ 7,080,000 $ 196,666 $ 59,000
Sullivan, New York 36 $ 4,122,000 $ 114,500 $ 65,000
Iredell, North Carolina 36 $ 7,932,000 $ 220,333 $ 65,000
Anchorage, Alaska 35 $ 4,925,000 $ 140,714 $ 55,000
Solano, California 35 $ 8,245,000 $ 235,571 $ 57,000
Adams, Colorado 35 $ 5,876,000 $ 167,885 $ 56,000
Jefferson, Alabama 34 $ 3,119,000 $ 91,735 $ 59,000
Stanislaus, California 34 $ 6,302,000 $ 185,352 $ 58,000
Cherokee, Georgia 34 $ 6,989,000 $ 205,558 $ 111,000
Allegheny, Pennsylvania 34 $ 5,189,000 $ 152,617 $ 66,000
Providence, Rhode Island 34 $ 6,208,000 $ 182,588 $ 73,000
Davidson, Tennessee 34 $ 3,087,000 $ 90,794 $ 53,000
Sussex, Delaware 33 $ 8,333,000 $ 252,515 $ 170,000
Collier, Florida 32 $ 7,853,000 $ 245,406 $ 99,000
Cumberland, Maine 32 $ 7,033,000 $ 219,781 $ 72,000
Hillsborough, New Hampshire 32 $ 6,623,000 $ 206,968 $ 65,000
Atlantic, New Jersey 32 $ 5,669,000 $ 177,156 $ 70,000
Pulaski, Arkansas 31 $ 1,561,000 $ 50,354 $ 18,000
Brevard, Florida 29 $ 3,004,000 $ 103,586 $ 50,000
Bristol, Massachusetts 29 $ 6,174,000 $ 212,896 $ 70,000
Boulder, Colorado 28 $ 7,565,000 $ 270,178 $ 84,000
Washoe, Nevada 28 $ 5,614,000 $ 200,500 $ 68,000
Macomb, Michigan 27 $ 4,326,000 $ 160,222 $ 60,000
Horry, South Carolina 27 $ 4,392,000 $ 162,666 $ 89,000
Travis, Texas 27 $ 3,518,000 $ 130,296 $ 66,000
Spotsylvania, Virginia 27 $ 4,330,000 $ 160,370 $ 70,000
Monroe, New York 26 $ 2,477,000 $ 95,269 $ 50,000
Buncombe, North Carolina 26 $ 4,271,000 $ 164,269 $ 71,000
Placer, California 25 $ 6,557,000 $ 262,280 $ 75,000
Pasco, Florida 25 $ 2,573,000 $ 102,920 $ 47,000
Jefferson, Kentucky 25 $ 2,738,000 $ 109,520 $ 64,000
Erie, New York 25 $ 3,082,000 $ 123,280 $ 89,000
Union, North Carolina 25 $ 4,006,000 $ 160,240 $ 75,000
Tulsa, Oklahoma 25 $ 1,653,000 $ 66,120 $ 50,000
Henrico, Virginia 25 $ 4,583,000 $ 183,320 $ 75,000
Santa Barbara, California 24 $ 6,240,000 $ 260,000 $ 67,000
Weld, Colorado 24 $ 4,672,000 $ 194,666 $ 74,000
Hampden, Massachusetts 24 $ 3,633,000 $ 151,375 $ 70,000
Gloucester, New Jersey 24 $ 4,211,000 $ 175,458 $ 76,000
Multnomah, Oregon 24 $ 4,619,000 $ 192,458 $ 63,000
Larimer, Colorado 23 $ 4,137,000 $ 179,869 $ 72,000
New London, Connecticut 23 $ 4,136,000 $ 179,826 $ 70,000
Sarasota, Florida 23 $ 4,689,000 $ 203,869 $ 86,000
Winnebago, Illinois 23 $ 2,031,000 $ 88,304 $ 197,000
Summit, Ohio 23 $ 2,826,000 $ 122,869 $ 66,000
San Luis Obispo, California 22 $ 5,096,000 $ 231,636 $ 88,000
Sonoma, California 22 $ 6,009,000 $ 273,136 $ 73,000
Orleans, Louisiana 22 $ 2,098,000 $ 95,363 $ 29,000
St. Mary's, Maryland 22 $ 4,485,000 $ 203,863 $ 91,000
Ingham, Michigan 22 $ 5,762,000 $ 261,909 $ 113,000
Chesterfield, Virginia 22 $ 4,001,000 $ 181,863 $ 85,000
Mobile, Alabama 21 $ 1,580,000 $ 75,238 $ 48,000
Tulare, California 21 $ 2,608,000 $ 124,190 $ 45,000
Coweta, Georgia 21 $ 2,700,000 $ 128,571 $ 43,000
Johnson, Kansas 21 $ 3,316,000 $ 157,904 $ 62,000
Charleston, South Carolina 21 $ 4,247,000 $ 202,238 $ 91,000
Wyandotte, Kansas 20 $ 737,000 $ 36,850 $ 17,000
Ramsey, Minnesota 20 $ 3,548,000 $ 177,400 $ 81,000
Cape May, New Jersey 20 $ 4,653,000 $ 232,650 $ 141,000
Madison, Alabama 19 $ 3,584,000 $ 188,631 $ 129,000
Litchfield, Connecticut 19 $ 3,709,000 $ 195,210 $ 88,000
Alachua, Florida 19 $ 2,034,000 $ 107,052 $ 50,000
Lake, Florida 19 $ 2,616,000 $ 137,684 $ 59,000
Marion, Florida 19 $ 1,924,000 $ 101,263 $ 51,000
Washtenaw, Michigan 19 $ 4,608,000 $ 242,526 $ 113,000
Lancaster, Nebraska 19 $ 3,157,000 $ 166,157 $ 60,000
Cumberland, North Carolina 19 $ 1,728,000 $ 90,947 $ 55,000
Oklahoma, Oklahoma 19 $ 1,886,000 $ 99,263 $ 43,000
Kitsap, Washington 19 $ 3,759,000 $ 197,842 $ 86,000
Baldwin, Alabama 18 $ 3,300,000 $ 183,333 $ 77,000
Clayton, Georgia 18 $ 1,933,000 $ 107,388 $ 34,000
Henry, Georgia 18 $ 2,992,000 $ 166,222 $ 81,000
Hamilton, Indiana 18 $ 4,238,000 $ 235,444 $ 94,000
Queen Anne's, Maryland 18 $ 4,071,000 $ 226,166 $ 93,000
Stark, Ohio 18 $ 1,787,000 $ 99,277 $ 96,000
Washington, Oregon 18 $ 3,002,000 $ 166,777 $ 55,000
Lancaster, Pennsylvania 18 $ 2,984,000 $ 165,777 $ 105,000
Lehigh, Pennsylvania 18 $ 2,728,000 $ 151,555 $ 62,000
Greenville, South Carolina 18 $ 3,322,000 $ 184,555 $ 54,000
Polk, Florida 17 $ 1,881,000 $ 110,647 $ 45,000
Chatham, Georgia 17 $ 3,475,000 $ 204,411 $ 78,000
Fayette, Georgia 17 $ 3,713,000 $ 218,411 $ 66,000
Honolulu, Hawaii 17 $ 4,352,000 $ 256,000 $ 88,000
East Baton Rouge, Louisiana 17 $ 2,023,000 $ 119,000 $ 70,000
York, Maine 17 $ 3,043,000 $ 179,000 $ 51,000
Washington, Maryland 17 $ 3,891,000 $ 228,882 $ 98,000
Barnstable, Massachusetts 17 $ 3,964,000 $ 233,176 $ 75,000
Warren, New Jersey 17 $ 3,683,000 $ 216,647 $ 73,000
Fort Bend, Texas 17 $ 1,650,000 $ 97,058 $ 47,000
Salt Lake, Utah 17 $ 3,099,000 $ 182,294 $ 76,000
Chesapeake, Virginia 17 $ 2,787,000 $ 163,941 $ 54,000
Middlesex, Connecticut 16 $ 3,305,000 $ 206,562 $ 116,000
Tolland, Connecticut 16 $ 2,609,000 $ 163,062 $ 65,000
Leon, Florida 16 $ 1,943,000 $ 121,437 $ 54,000
St. Clair, Illinois 16 $ 1,240,000 $ 77,500 $ 38,000
Lake, Indiana 16 $ 1,522,000 $ 95,125 $ 43,000
Garrett, Maryland 16 $ 4,005,000 $ 250,312 $ 125,000
Kent, Michigan 16 $ 2,398,000 $ 149,875 $ 59,000
Dakota, Minnesota 16 $ 3,109,000 $ 194,312 $ 60,000
Hinds, Mississippi 16 $ 694,000 $ 43,375 $ 19,000
St. Charles, Missouri 16 $ 2,022,000 $ 126,375 $ 66,000
Bernalillo, New Mexico 16 $ 2,385,000 $ 149,062 $ 61,000
Ulster, New York 16 $ 3,263,000 $ 203,937 $ 69,000
Guilford, North Carolina 16 $ 1,972,000 $ 123,250 $ 49,000
Williamson, Tennessee 16 $ 4,180,000 $ 261,250 $ 77,000
Frederick, Virginia 16 $ 2,684,000 $ 167,750 $ 74,000
Yavapai, Arizona 15 $ 2,205,000 $ 147,000 $ 46,000
Charlotte, Florida 15 $ 2,064,000 $ 137,600 $ 43,000
Columbia, Georgia 15 $ 3,595,000 $ 239,666 $ 85,000
Paulding, Georgia 15 $ 2,163,000 $ 144,200 $ 42,000
Washington, Minnesota 15 $ 4,143,000 $ 276,200 $ 103,000
DeSoto, Mississippi 15 $ 1,682,000 $ 112,133 $ 75,000
Westmoreland, Pennsylvania 15 $ 2,339,000 $ 155,933 $ 85,000
Fauquier, Virginia 15 $ 3,253,000 $ 216,866 $ 68,000
El Dorado, California 14 $ 3,193,000 $ 228,071 $ 102,000
Marin, California 14 $ 4,338,000 $ 309,857 $ 95,000
Hall, Georgia 14 $ 2,256,000 $ 161,142 $ 60,000
Polk, Iowa 14 $ 2,422,000 $ 173,000 $ 66,000
Sedgwick, Kansas 14 $ 1,604,000 $ 114,571 $ 91,000
Jefferson, Louisiana 14 $ 1,514,000 $ 108,142 $ 55,000
Douglas, Nebraska 14 $ 1,862,000 $ 133,000 $ 45,000
Lake, Ohio 14 $ 2,001,000 $ 142,928 $ 54,000
Chittenden, Vermont 14 $ 2,437,000 $ 174,071 $ 42,000
Albemarle, Virginia 14 $ 2,555,000 $ 182,500 $ 70,000
Manassas, Virginia 14 $ 2,818,000 $ 201,285 $ 82,000
Benton, Arkansas 13 $ 1,898,000 $ 146,000 $ 52,000
Yolo, California 13 $ 3,175,000 $ 244,230 $ 84,000
Osceola, Florida 13 $ 1,439,000 $ 110,692 $ 38,000
Madison, Illinois 13 $ 764,000 $ 58,769 $ 34,000
Strafford, New Hampshire 13 $ 2,531,000 $ 194,692 $ 73,000
Albany, New York 13 $ 2,178,000 $ 167,538 $ 107,000
Onondaga, New York 13 $ 1,187,000 $ 91,307 $ 38,000
Cabarrus, North Carolina 13 $ 1,969,000 $ 151,461 $ 44,000
Rowan, North Carolina 13 $ 1,693,000 $ 130,230 $ 53,000
Mahoning, Ohio 13 $ 311,000 $ 23,923 $ 0
Cleveland, Oklahoma 13 $ 1,223,000 $ 94,076 $ 42,000
Berks, Pennsylvania 13 $ 1,969,000 $ 151,461 $ 62,000
Monroe, Pennsylvania 13 $ 2,079,000 $ 159,923 $ 80,000
Kent, Rhode Island 13 $ 2,626,000 $ 202,000 $ 88,000
Kanawha, West Virginia 13 $ 1,166,000 $ 89,692 $ 50,000
Monterey, California 12 $ 3,291,000 $ 274,250 $ 91,000
Flagler, Florida 12 $ 2,901,000 $ 241,750 $ 84,000
St. Tammany, Louisiana 12 $ 2,091,000 $ 174,250 $ 92,000
St. Louis City, Missouri 12 $ 1,356,000 $ 113,000 $ 60,000
Hunterdon, New Jersey 12 $ 2,271,000 $ 189,250 $ 71,000
Saratoga, New York 12 $ 1,594,000 $ 132,833 $ 75,000
Durham, North Carolina 12 $ 1,674,000 $ 139,500 $ 54,000
Hamilton, Ohio 12 $ 2,154,000 $ 179,500 $ 108,000
Dauphin, Pennsylvania 12 $ 1,741,000 $ 145,083 $ 66,000
Northampton, Pennsylvania 12 $ 2,424,000 $ 202,000 $ 57,000
Newport, Rhode Island 12 $ 2,714,000 $ 226,166 $ 56,000
Washington, Rhode Island 12 $ 6,185,000 $ 515,416 $ 239,000
Rockwall, Texas 12 $ 1,897,000 $ 158,083 $ 128,000
Culpeper, Virginia 12 $ 2,866,000 $ 238,833 $ 83,000
Fairfax City, Virginia 12 $ 2,836,000 $ 236,333 $ 96,000
Falls Church, Virginia 12 $ 3,012,000 $ 251,000 $ 113,000
Crittenden, Arkansas 11 $ 631,000 $ 57,363 $ 38,000
Teller, Colorado 11 $ 2,192,000 $ 199,272 $ 82,000
Monroe, Florida 11 $ 3,123,000 $ 283,909 $ 111,000
Nassau, Florida 11 $ 1,772,000 $ 161,090 $ 69,000
St. Lucie, Florida 11 $ 1,301,000 $ 118,272 $ 105,000
Wicomico, Maryland 11 $ 1,160,000 $ 105,454 $ 66,000
Merrimack, New Hampshire 11 $ 1,979,000 $ 179,909 $ 95,000
Oswego, New York 11 $ 681,000 $ 61,909 $ 62,000
Dare, North Carolina 11 $ 1,911,000 $ 173,727 $ 83,000
Gaston, North Carolina 11 $ 1,588,000 $ 144,363 $ 63,000
Centre, Pennsylvania 11 $ 1,974,000 $ 179,454 $ 81,000
Brazoria, Texas 11 $ 647,000 $ 58,818 $ 29,000
El Paso, Texas 11 $ 615,000 $ 55,909 $ 15,000
Hampton, Virginia 11 $ 1,288,000 $ 117,090 $ 46,000
Newport News, Virginia 11 $ 1,091,000 $ 99,181 $ 83,000
Clark, Washington 11 $ 2,451,000 $ 222,818 $ 142,000
Merced, California 10 $ 1,397,000 $ 139,700 $ 51,000
Nevada, California 10 $ 2,058,000 $ 205,800 $ 60,000
Douglas, Georgia 10 $ 1,282,000 $ 128,200 $ 58,000
Ada, Idaho 10 $ 1,396,000 $ 139,600 $ 85,000
Delaware, Indiana 10 $ 1,259,000 $ 125,900 $ 88,000
Genesee, Michigan 10 $ 1,074,000 $ 107,400 $ 31,000
Washington, Mississippi 10 $ 667,000 $ 66,700 $ 56,000
Buchanan, Missouri 10 $ 355,000 $ 35,500 $ 0
Delaware, Ohio 10 $ 2,524,000 $ 252,400 $ 92,000
Lorain, Ohio 10 $ 1,229,000 $ 122,900 $ 88,000
Warren, Ohio 10 $ 1,996,000 $ 199,600 $ 64,000
Comanche, Oklahoma 10 $ 504,000 $ 50,400 $ 17,000
Adams, Pennsylvania 10 $ 1,726,000 $ 172,600 $ 64,000
Cumberland, Pennsylvania 10 $ 1,659,000 $ 165,900 $ 118,000
York, South Carolina 10 $ 1,293,000 $ 129,300 $ 42,000
Richmond City, Virginia 10 $ 1,473,000 $ 147,300 $ 67,000
Dane, Wisconsin 10 $ 1,759,000 $ 175,900 $ 72,000
Shelby, Alabama 9 $ 1,672,000 $ 185,777 $ 74,000
Santa Cruz, California 9 $ 2,637,000 $ 293,000 $ 98,000
La Plata, Colorado 9 $ 1,958,000 $ 217,555 $ 68,000
Manatee, Florida 9 $ 2,270,000 $ 252,222 $ 79,000
Bartow, Georgia 9 $ 953,000 $ 105,888 $ 15,000
Walton, Georgia 9 $ 1,747,000 $ 194,111 $ 59,000
Kendall, Illinois 9 $ 1,711,000 $ 190,111 $ 87,000
Stephenson, Illinois 9 $ 552,000 $ 61,333 $ 20,000
Allen, Indiana 9 $ 818,000 $ 90,888 $ 65,000
Anoka, Minnesota 9 $ 1,757,000 $ 195,222 $ 56,000
Panola, Mississippi 9 $ 1,074,000 $ 119,333 $ 30,000
Alamance, North Carolina 9 $ 645,000 $ 71,666 $ 11,000
Forsyth, North Carolina 9 $ 1,143,000 $ 127,000 $ 47,000
Medina, Ohio 9 $ 1,381,000 $ 153,444 $ 85,000
Montgomery, Ohio 9 $ 1,099,000 $ 122,111 $ 80,000
Butler, Pennsylvania 9 $ 1,358,000 $ 150,888 $ 102,000
Montgomery, Texas 9 $ 1,496,000 $ 166,222 $ 91,000
Montgomery, Alabama 8 $ 684,000 $ 85,500 $ 17,000
Kings, California 8 $ 1,240,000 $ 155,000 $ 52,000
Shasta, California 8 $ 1,311,000 $ 163,875 $ 55,000
Hendricks, Indiana 8 $ 951,000 $ 118,875 $ 55,000
Johnson, Indiana 8 $ 992,000 $ 124,000 $ 49,000
Calcasieu, Louisiana 8 $ 1,117,000 $ 139,625 $ 78,000
Lafayette, Louisiana 8 $ 1,087,000 $ 135,875 $ 75,000
Clay, Missouri 8 $ 964,000 $ 120,500 $ 44,000
Jefferson, Missouri 8 $ 662,000 $ 82,750 $ 19,000
Columbia, New York 8 $ 1,719,000 $ 214,875 $ 71,000
Delaware, New York 8 $ 854,000 $ 106,750 $ 155,000
Catawba, North Carolina 8 $ 1,804,000 $ 225,500 $ 69,000
New Hanover, North Carolina 8 $ 1,514,000 $ 189,250 $ 72,000
Geauga, Ohio 8 $ 1,458,000 $ 182,250 $ 66,000
Clackamas, Oregon 8 $ 1,272,000 $ 159,000 $ 42,000
Lane, Oregon 8 $ 1,150,000 $ 143,750 $ 14,000
Marion, Oregon 8 $ 1,459,000 $ 182,375 $ 98,000
Pike, Pennsylvania 8 $ 1,536,000 $ 192,000 $ 80,000
Lexington, South Carolina 8 $ 812,000 $ 101,500 $ 8,000
Blount, Tennessee 8 $ 1,484,000 $ 185,500 $ 26,000
Williamson, Texas 8 $ 1,269,000 $ 158,625 $ 91,000
James City, Virginia 8 $ 2,845,000 $ 355,625 $ 128,000
Norfolk, Virginia 8 $ 985,000 $ 123,125 $ 49,000
Orange, Virginia 8 $ 1,721,000 $ 215,125 $ 88,000
Pinal, Arizona 7 $ 706,000 $ 100,857 $ 55,000
Butte, California 7 $ 1,358,000 $ 194,000 $ 48,000
Okaloosa, Florida 7 $ 932,000 $ 133,142 $ 40,000
Dawson, Georgia 7 $ 2,335,000 $ 333,571 $ 138,000
Boone, Indiana 7 $ 1,573,000 $ 224,714 $ 66,000
Tippecanoe, Indiana 7 $ 998,000 $ 142,571 $ 73,000
Fayette, Kentucky 7 $ 628,000 $ 89,714 $ 14,000
Caddo, Louisiana 7 $ 589,000 $ 84,142 $ 63,000
Cecil, Maryland 7 $ 1,079,000 $ 154,142 $ 57,000
Cape Girardeau, Missouri 7 $ 1,056,000 $ 150,857 $ 54,000
Santa Fe, New Mexico 7 $ 1,427,000 $ 203,857 $ 66,000
Schenectady, New York 7 $ 631,000 $ 90,142 $ 49,000
Johnston, North Carolina 7 $ 690,000 $ 98,571 $ 37,000
Moore, North Carolina 7 $ 882,000 $ 126,000 $ 96,000
Orange, North Carolina 7 $ 1,562,000 $ 223,142 $ 74,000
Fairfield, Ohio 7 $ 877,000 $ 125,285 $ 36,000
Wayne, Pennsylvania 7 $ 936,000 $ 133,714 $ 64,000
Bristol, Rhode Island 7 $ 1,835,000 $ 262,142 $ 89,000
Hamilton, Tennessee 7 $ 861,000 $ 123,000 $ 39,000
Rutherford, Tennessee 7 $ 541,000 $ 77,285 $ 32,000
Nueces, Texas 7 $ 286,000 $ 40,857 $ 0
Windsor, Vermont 7 $ 1,331,000 $ 190,142 $ 60,000
Bedford, Virginia 7 $ 1,278,000 $ 182,571 $ 119,000
Franklin, Virginia 7 $ 1,301,000 $ 185,857 $ 71,000
King George, Virginia 7 $ 1,006,000 $ 143,714 $ 88,000
Manassas Park, Virginia 7 $ 1,321,000 $ 188,714 $ 58,000
Thurston, Washington 7 $ 1,398,000 $ 199,714 $ 36,000
Racine, Wisconsin 7 $ 675,000 $ 96,428 $ 57,000
Waukesha, Wisconsin 7 $ 1,444,000 $ 206,285 $ 33,000
Coconino, Arizona 6 $ 1,114,000 $ 185,666 $ 91,000
Mohave, Arizona 6 $ 787,000 $ 131,166 $ 89,000
Mississippi, Arkansas 6 $ 217,000 $ 36,166 $ 71,000
Calaveras, California 6 $ 1,613,000 $ 268,833 $ 90,000
Imperial, California 6 $ 598,000 $ 99,666 $ 43,000
Lake, California 6 $ 602,000 $ 100,333 $ 20,000
Summit, Colorado 6 $ 1,424,000 $ 237,333 $ 158,000
Baker, Florida 6 $ 865,000 $ 144,166 $ 60,000
Martin, Florida 6 $ 1,373,000 $ 228,833 $ 78,000
Jackson, Georgia 6 $ 973,000 $ 162,166 $ 55,000
Muscogee, Georgia 6 $ 906,000 $ 151,000 $ 79,000
Shawnee, Kansas 6 $ 709,000 $ 118,166 $ 53,000
St. Clair, Michigan 6 $ 829,000 $ 138,166 $ 55,000
Adams, Mississippi 6 $ 181,000 $ 30,166 $ 7,000
Grafton, New Hampshire 6 $ 1,350,000 $ 225,000 $ 194,000
Greene, New York 6 $ 948,000 $ 158,000 $ 251,000
Greene, Ohio 6 $ 701,000 $ 116,833 $ 47,000
Licking, Ohio 6 $ 804,000 $ 134,000 $ 43,000
Lucas, Ohio 6 $ 768,000 $ 128,000 $ 71,000
Miami, Ohio 6 $ 929,000 $ 154,833 $ 49,000
Loudon, Tennessee 6 $ 1,400,000 $ 233,333 $ 86,000
Sumner, Tennessee 6 $ 707,000 $ 117,833 $ 61,000
Bell, Texas 6 $ 261,000 $ 43,500 $ 11,000
Galveston, Texas 6 $ 315,000 $ 52,500 $ 34,000
Jefferson, Texas 6 $ 297,000 $ 49,500 $ 21,000
Fredericksburg, Virginia 6 $ 1,637,000 $ 272,833 $ 112,000
Isle of Wight, Virginia 6 $ 1,108,000 $ 184,666 $ 86,000
Portsmouth, Virginia 6 $ 456,000 $ 76,000 $ 26,000
Roanoke, Virginia 6 $ 1,048,000 $ 174,666 $ 66,000
Spokane, Washington 6 $ 678,000 $ 113,000 $ 65,000
Cabell, West Virginia 6 $ 211,000 $ 35,166 $ 18,000
Jefferson, West Virginia 6 $ 1,363,000 $ 227,166 $ 67,000
Marion, West Virginia 6 $ 739,000 $ 123,166 $ 44,000
Monongalia, West Virginia 6 $ 1,238,000 $ 206,333 $ 86,000
Jefferson, Arkansas 5 $ 176,000 $ 35,200 $ 15,000
Miller, Arkansas 5 $ 414,000 $ 82,800 $ 32,000
Washington, Arkansas 5 $ 581,000 $ 116,200 $ 61,000
Napa, California 5 $ 1,219,000 $ 243,800 $ 44,000
Broomfield, Colorado 5 $ 1,212,000 $ 242,400 $ 91,000
Grand, Colorado 5 $ 965,000 $ 193,000 $ 101,000
Windham, Connecticut 5 $ 507,000 $ 101,400 $ 55,000
Indian River, Florida 5 $ 775,000 $ 155,000 $ 90,000
Camden, Georgia 5 $ 1,092,000 $ 218,400 $ 76,000
Richmond, Georgia 5 $ 927,000 $ 185,400 $ 44,000
Rockdale, Georgia 5 $ 450,000 $ 90,000 $ 39,000
Porter, Indiana 5 $ 911,000 $ 182,200 $ 76,000
Leavenworth, Kansas 5 $ 650,000 $ 130,000 $ 53,000
Talbot, Maryland 5 $ 1,344,000 $ 268,800 $ 67,000
Berkshire, Massachusetts 5 $ 1,596,000 $ 319,200 $ 215,000
Livingston, Michigan 5 $ 1,214,000 $ 242,800 $ 104,000
Monroe, Michigan 5 $ 1,048,000 $ 209,600 $ 79,000
Wright, Minnesota 5 $ 503,000 $ 100,600 $ 23,000
Rankin, Mississippi 5 $ 478,000 $ 95,600 $ 46,000
Greene, Missouri 5 $ 283,000 $ 56,600 $ 16,000
Yellowstone, Montana 5 $ 611,000 $ 122,200 $ 51,000
Douglas, Nevada 5 $ 1,485,000 $ 297,000 $ 88,000
Cumberland, New Jersey 5 $ 666,000 $ 133,200 $ 72,000
Dona Ana, New Mexico 5 $ 686,000 $ 137,200 $ 38,000
Livingston, New York 5 $ 487,000 $ 97,400 $ 65,000
Rensselaer, New York 5 $ 1,024,000 $ 204,800 $ 64,000
Brunswick, North Carolina 5 $ 957,000 $ 191,400 $ 40,000
Butler, Ohio 5 $ 646,000 $ 129,200 $ 74,000
Clermont, Ohio 5 $ 871,000 $ 174,200 $ 64,000
Columbiana, Ohio 5 $ 502,000 $ 100,400 $ 34,000
Trumbull, Ohio 5 $ 239,000 $ 47,800 $ 0
Benton, Oregon 5 $ 896,000 $ 179,200 $ 81,000
Jackson, Oregon 5 $ 611,000 $ 122,200 $ 6,000
Erie, Pennsylvania 5 $ 336,000 $ 67,200 $ 16,000
Fayette, Pennsylvania 5 $ 732,000 $ 146,400 $ 72,000
Robertson, Tennessee 5 $ 474,000 $ 94,800 $ 26,000
Bowie, Texas 5 $ 343,000 $ 68,600 $ 16,000
Ellis, Texas 5 $ 1,128,000 $ 225,600 $ 134,000
Kaufman, Texas 5 $ 604,000 $ 120,800 $ 70,000
Parker, Texas 5 $ 914,000 $ 182,800 $ 101,000
Weber, Utah 5 $ 672,000 $ 134,400 $ 36,000
Caroline, Virginia 5 $ 776,000 $ 155,200 $ 68,000
York, Virginia 5 $ 840,000 $ 168,000 $ 99,000
Chelan, Washington 5 $ 887,000 $ 177,400 $ 109,000
Berkeley, West Virginia 5 $ 489,000 $ 97,800 $ 38,000
Walworth, Wisconsin 5 $ 560,000 $ 112,000 $ 56,000
Laramie, Wyoming 5 $ 737,000 $ 147,400 $ 62,000
Autauga, Alabama 4 $ 358,000 $ 89,500 $ 72,000
Cochise, Arizona 4 $ 435,000 $ 108,750 $ 67,000
San Benito, California 4 $ 1,178,000 $ 294,500 $ 98,000
Tehama, California 4 $ 633,000 $ 158,250 $ 108,000
Eagle, Colorado 4 $ 989,000 $ 247,250 $ 58,000
Bay, Florida 4 $ 971,000 $ 242,750 $ 109,000
Citrus, Florida 4 $ 577,000 $ 144,250 $ 178,000
Hernando, Florida 4 $ 374,000 $ 93,500 $ 35,000
Putnam, Florida 4 $ 566,000 $ 141,500 $ 63,000
Santa Rosa, Florida 4 $ 578,000 $ 144,500 $ 31,000
Gordon, Georgia 4 $ 423,000 $ 105,750 $ 32,000
Spalding, Georgia 4 $ 243,000 $ 60,750 $ 25,000
Wayne, Georgia 4 $ 465,000 $ 116,250 $ 84,000
Boone, Illinois 4 $ 589,000 $ 147,250 $ 51,000
Johnson, Iowa 4 $ 748,000 $ 187,000 $ 148,000
Bullitt, Kentucky 4 $ 488,000 $ 122,000 $ 61,000
Dukes, Massachusetts 4 $ 786,000 $ 196,500 $ 254,000
Hampshire, Massachusetts 4 $ 681,000 $ 170,250 $ 32,000
Clinton, Michigan 4 $ 658,000 $ 164,500 $ 92,000
Grand Traverse, Michigan 4 $ 1,049,000 $ 262,250 $ 95,000
Jackson, Michigan 4 $ 466,000 $ 116,500 $ 28,000
Chisago, Minnesota 4 $ 527,000 $ 131,750 $ 26,000
Mower, Minnesota 4 $ 600,000 $ 150,000 $ 97,000
Olmsted, Minnesota 4 $ 475,000 $ 118,750 $ 53,000
Scott, Minnesota 4 $ 596,000 $ 149,000 $ 51,000
Jackson, Mississippi 4 $ 293,000 $ 73,250 $ 33,000
Lee, Mississippi 4 $ 329,000 $ 82,250 $ 14,000
Madison, Mississippi 4 $ 290,000 $ 72,500 $ 34,000
Warren, Mississippi 4 $ 71,000 $ 17,750 $ 0
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Mortgage Loan Application Detail Totals for Everbank 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 16,392 $3,486,394,000 $170,200 $7,500,000 $66,140 $3,779,000
Home Purchase 11,645 $2,639,585,000 $178,760 $4,000,000 $78,180 $2,582,000
Home Improvement 791 $176,809,000 $171,000 $1,875,000 $71,853 $900,000

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 13,422 $2,944,863,000 $185,313 $7,500,000 $77,549 $3,779,000
Asian 4,952 $1,372,430,000 $210,025 $2,328,000 $84,051 $2,582,000
Not Provided 4,784 $1,030,262,000 $180,740 $5,000,000 $78,260 $3,600,000
Hispanic 2,564 $552,930,000 $204,935 $1,000,000 $64,129 $533,000
Not applicable 1,477 $118,259,000 $87,500 $628,000 $23,540 $600,000
Black or African American 1,439 $243,145,000 $142,500 $1,875,000 $59,552 $1,196,000
Native Hawaiian or Other Pacific Islander 113 $26,886,000 $173,631 $576,000 $68,105 $351,000
American Indian or Alaskan Native 77 $14,013,000 $166,545 $690,000 $61,590 $491,000

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) 28,532 $6,291,910,000 $173,901 $7,500,000 $72,078 $3,779,000
FHA-insured (Federal Housing Administration) 294 $10,623,000 $47,658 $274,000 $1,585 $70,000
VA-guaranteed (Veterans Administration) 2 $255,000 $127,500 $194,000 $26,000 $52,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 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 13,924 $2,998,956,000 $173,740 $5,000,000 $69,340 $3,779,000
Loan Purchased By The Institution 9,138 $2,064,909,000 $162,117 $3,000,000 $71,313 $2,254,000
Application Approved But Not Accepted 2,619 $588,706,000 $186,458 $4,000,000 $75,833 $1,802,000
Application Denied By Financial Institution 1,814 $364,517,000 $172,425 $7,500,000 $68,936 $800,000
Application Withdrawn By Applicant 819 $174,649,000 $157,377 $1,200,000 $58,444 $1,500,000
File Closed For Incompleteness 514 $111,051,000 $173,604 $4,100,000 $73,302 $961,000
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 History 853 $158,879,000 $146,727 $1,000,000 $67,363 $800,000
Other 380 $94,344,000 $208,263 $7,500,000 $72,000 $750,000
Debt-To-Income Ratio 275 $53,280,000 $167,000 $1,280,000 $50,611 $492,000
Collateral 196 $31,735,000 $162,500 $600,000 $77,800 $750,000
Insufficient Cash (Downpayment, Closing Cost) 38 $8,656,000 $219,750 $660,000 $61,812 $242,000
Unverifiable Information 36 $8,963,000 $227,312 $1,300,000 $79,937 $379,000
Employment History 29 $5,567,000 $165,933 $480,000 $60,133 $220,000
Credit Application Incomplete 5 $2,682,000 $536,400 $1,875,000 $43,400 $86,000
Mortgage Insurance Denied 2 $411,000 $205,500 $320,000 $74,000 $127,000

Our comprehensive HMDA mortgage statistics provide invaluable insights into Everbank'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 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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