Everbank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004

Everbank 2004 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.

Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher, this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.

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 $173,468
Highest Mortgage Loan Application Amount $7,500,000
Average Applicant Income $72,070
Highest Applicant Income $3,779,000

Explore comprehensive HMDA mortgage statistics and lending trends for 2004 with Everbank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Everbank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.

Our HMDA dataset for 2004 breaks down Everbank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Everbank serves its applicants.

Each category highlights the total number of mortgage applications processed by Everbank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Everbank's mortgage activity for 2004.

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