Everbank Mortgage Lending & HMDA Data, 2005

In 2005, Everbank of Jacksonville, FL reported 34,631 mortgage applications totaling $7.2 billion, up 20% from 2004. The average application was for $206,704, and applicants reported an average income of $65,296. 50% of its applications resulted in an originated loan and 4% were denied. Its largest markets were New York-Wayne-White Plains, NY-NJ (1,922), Jacksonville, FL (1,344) and Chicago-Naperville-Joliet, IL (1,324) (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 34,631
Total Mortgage Loan Application Amount $7,158,384,000
Average Mortgage Loan Application Amount $206,704
Highest Mortgage Loan Application Amount $9,000,000
Average Applicant Income $65,296
Highest Applicant Income $4,717,000

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Disclosure Act (HMDA) records Everbank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2005

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Los Angeles, California 1,319 $ 381,688,000 $ 289,376 $ 76,000
Duval, Florida 944 $ 151,963,000 $ 160,977 $ 56,000
Cook, Illinois 797 $ 171,404,000 $ 215,061 $ 76,000
Montgomery, Maryland 766 $ 216,725,000 $ 282,930 $ 82,000
Queens, New York 645 $ 171,206,000 $ 265,435 $ 72,000
Kings, New York 519 $ 164,029,000 $ 316,048 $ 74,000
Fairfax, Virginia 509 $ 151,867,000 $ 298,363 $ 70,000
Prince George's, Maryland 420 $ 85,672,000 $ 203,980 $ 61,000
Maricopa, Arizona 386 $ 88,651,000 $ 229,665 $ 90,000
Tarrant, Texas 370 $ 54,105,000 $ 146,229 $ 77,000
Weld, Colorado 350 $ 61,055,000 $ 174,442 $ 61,000
Suffolk, New York 338 $ 96,394,000 $ 285,189 $ 88,000
Westchester, New York 333 $ 81,910,000 $ 245,975 $ 106,000
Jefferson, Colorado 312 $ 62,521,000 $ 200,387 $ 68,000
Orange, California 307 $ 97,630,000 $ 318,013 $ 72,000
San Bernardino, California 306 $ 69,009,000 $ 225,519 $ 59,000
Dallas, Texas 295 $ 44,277,000 $ 150,091 $ 110,000
Boulder, Colorado 292 $ 70,801,000 $ 242,469 $ 83,000
Montgomery, Pennsylvania 285 $ 64,107,000 $ 224,936 $ 71,000
Nassau, New York 282 $ 81,230,000 $ 288,049 $ 103,000
Baltimore, Maryland 277 $ 56,731,000 $ 204,805 $ 64,000
Anne Arundel, Maryland 271 $ 62,446,000 $ 230,428 $ 67,000
St. Johns, Florida 257 $ 64,933,000 $ 252,657 $ 92,000
Polk, Iowa 255 $ 36,720,000 $ 144,000 $ 146,000
El Paso, Colorado 249 $ 47,786,000 $ 191,911 $ 60,000
Denver, Colorado 247 $ 45,868,000 $ 185,700 $ 68,000
Chester, Pennsylvania 245 $ 59,278,000 $ 241,951 $ 73,000
St. Louis, Missouri 231 $ 39,308,000 $ 170,164 $ 59,000
Harris, Texas 224 $ 15,950,000 $ 71,205 $ 61,000
King, Washington 224 $ 56,127,000 $ 250,566 $ 74,000
District of Columbia, District Of Columbia 222 $ 59,798,000 $ 269,360 $ 95,000
Howard, Maryland 218 $ 58,613,000 $ 268,866 $ 79,000
Wayne, Michigan 216 $ 20,749,000 $ 96,060 $ 25,000
Orange, Florida 213 $ 39,011,000 $ 183,150 $ 48,000
Middlesex, Massachusetts 211 $ 60,627,000 $ 287,331 $ 87,000
Monmouth, New Jersey 203 $ 52,089,000 $ 256,596 $ 82,000
Prince William, Virginia 200 $ 55,813,000 $ 279,065 $ 84,000
Arapahoe, Colorado 193 $ 39,572,000 $ 205,036 $ 75,000
Bucks, Pennsylvania 193 $ 43,184,000 $ 223,751 $ 62,000
Hartford, Connecticut 192 $ 40,826,000 $ 212,635 $ 68,000
Adams, Colorado 189 $ 32,045,000 $ 169,550 $ 58,000
Frederick, Maryland 188 $ 49,039,000 $ 260,845 $ 74,000
Fairfield, Connecticut 186 $ 50,758,000 $ 272,892 $ 78,000
Loudoun, Virginia 179 $ 55,756,000 $ 311,486 $ 69,000
Riverside, California 177 $ 45,289,000 $ 255,870 $ 72,000
DuPage, Illinois 172 $ 41,006,000 $ 238,406 $ 76,000
Ocean, New Jersey 169 $ 37,929,000 $ 224,431 $ 70,000
Larimer, Colorado 166 $ 30,902,000 $ 186,156 $ 67,000
Mecklenburg, North Carolina 162 $ 26,915,000 $ 166,141 $ 48,000
Bergen, New Jersey 160 $ 49,519,000 $ 309,493 $ 128,000
Lake, Illinois 159 $ 33,815,000 $ 212,672 $ 68,000
Philadelphia, Pennsylvania 159 $ 25,582,000 $ 160,893 $ 49,000
Broward, Florida 158 $ 32,259,000 $ 204,170 $ 50,000
Douglas, Nebraska 158 $ 30,937,000 $ 195,803 $ 138,000
Middlesex, New Jersey 154 $ 35,675,000 $ 231,655 $ 68,000
Douglas, Colorado 153 $ 37,764,000 $ 246,823 $ 77,000
Clark, Nevada 152 $ 33,243,000 $ 218,703 $ 55,000
San Diego, California 141 $ 42,566,000 $ 301,886 $ 65,000
Baltimore City, Maryland 141 $ 22,253,000 $ 157,822 $ 60,000
Collin, Texas 140 $ 23,032,000 $ 164,514 $ 61,000
Fulton, Georgia 137 $ 32,264,000 $ 235,503 $ 61,000
Franklin, Ohio 137 $ 15,588,000 $ 113,781 $ 26,000
Palm Beach, Florida 135 $ 30,321,000 $ 224,600 $ 71,000
Seminole, Florida 134 $ 28,362,000 $ 211,656 $ 57,000
Orange, New York 132 $ 28,588,000 $ 216,575 $ 59,000
Gwinnett, Georgia 131 $ 24,500,000 $ 187,022 $ 53,000
Sacramento, California 130 $ 31,594,000 $ 243,030 $ 64,000
Worcester, Massachusetts 129 $ 27,376,000 $ 212,217 $ 63,000
Delaware, Pennsylvania 128 $ 26,322,000 $ 205,640 $ 75,000
Plymouth, Massachusetts 127 $ 31,143,000 $ 245,220 $ 63,000
Denton, Texas 127 $ 21,720,000 $ 171,023 $ 84,000
Morris, New Jersey 126 $ 42,894,000 $ 340,428 $ 103,000
Bexar, Texas 124 $ 9,636,000 $ 77,709 $ 27,000
Will, Illinois 120 $ 22,931,000 $ 191,091 $ 57,000
Cobb, Georgia 118 $ 22,764,000 $ 192,915 $ 57,000
DeKalb, Georgia 115 $ 17,663,000 $ 153,591 $ 42,000
Kane, Illinois 113 $ 22,048,000 $ 195,115 $ 56,000
New York, New York 111 $ 46,923,000 $ 422,729 $ 220,000
Richmond, New York 109 $ 25,687,000 $ 235,660 $ 44,000
Calvert, Maryland 108 $ 28,027,000 $ 259,509 $ 74,000
Salt Lake, Utah 108 $ 18,358,000 $ 169,981 $ 48,000
Miami-Dade, Florida 106 $ 16,995,000 $ 160,330 $ 77,000
Providence, Rhode Island 104 $ 23,361,000 $ 224,625 $ 71,000
Hillsborough, Florida 102 $ 16,143,000 $ 158,264 $ 44,000
Norfolk, Massachusetts 102 $ 28,281,000 $ 277,264 $ 90,000
Cape Girardeau, Missouri 101 $ 15,517,000 $ 153,633 $ 97,000
New Haven, Connecticut 100 $ 20,377,000 $ 203,770 $ 70,000
Carroll, Maryland 100 $ 25,795,000 $ 257,950 $ 76,000
Knox, Tennessee 98 $ 15,997,000 $ 163,234 $ 66,000
Passaic, New Jersey 97 $ 24,102,000 $ 248,474 $ 90,000
Charles, Maryland 95 $ 23,316,000 $ 245,431 $ 79,000
Clay, Florida 94 $ 16,404,000 $ 174,510 $ 61,000
Arlington, Virginia 94 $ 29,741,000 $ 316,393 $ 103,000
McHenry, Illinois 93 $ 19,072,000 $ 205,075 $ 71,000
Hillsborough, New Hampshire 93 $ 18,573,000 $ 199,709 $ 58,000
Bronx, New York 93 $ 19,200,000 $ 206,451 $ 88,000
Harford, Maryland 92 $ 20,592,000 $ 223,826 $ 62,000
Essex, Massachusetts 92 $ 23,923,000 $ 260,032 $ 100,000
Hudson, New Jersey 89 $ 21,970,000 $ 246,853 $ 96,000
Minnehaha, South Dakota 88 $ 12,302,000 $ 139,795 $ 74,000
New Castle, Delaware 87 $ 17,982,000 $ 206,689 $ 56,000
Marion, Indiana 86 $ 9,686,000 $ 112,627 $ 49,000
Rockingham, New Hampshire 86 $ 19,523,000 $ 227,011 $ 66,000
Essex, New Jersey 86 $ 21,512,000 $ 250,139 $ 72,000
Rockland, New York 86 $ 23,906,000 $ 277,976 $ 88,000
Bristol, Massachusetts 85 $ 20,985,000 $ 246,882 $ 58,000
Alameda, California 84 $ 24,237,000 $ 288,535 $ 82,000
Hennepin, Minnesota 82 $ 14,088,000 $ 171,804 $ 46,000
Snohomish, Washington 82 $ 17,237,000 $ 210,207 $ 34,000
Pinellas, Florida 78 $ 12,510,000 $ 160,384 $ 89,000
Shelby, Tennessee 77 $ 7,799,000 $ 101,285 $ 38,000
Alexandria, Virginia 77 $ 23,287,000 $ 302,428 $ 79,000
Stafford, Virginia 77 $ 20,359,000 $ 264,402 $ 80,000
Santa Clara, California 72 $ 17,778,000 $ 246,916 $ 65,000
Pierce, Washington 72 $ 12,738,000 $ 176,916 $ 44,000
Camden, New Jersey 71 $ 10,137,000 $ 142,774 $ 56,000
Burlington, New Jersey 69 $ 13,912,000 $ 201,623 $ 57,000
Cuyahoga, Ohio 69 $ 8,759,000 $ 126,942 $ 33,000
York, Pennsylvania 69 $ 10,473,000 $ 151,782 $ 46,000
Oakland, Michigan 68 $ 11,616,000 $ 170,823 $ 78,000
St. Charles, Missouri 67 $ 12,884,000 $ 192,298 $ 67,000
Winnebago, Illinois 66 $ 4,869,000 $ 73,772 $ 0
Pima, Arizona 65 $ 10,856,000 $ 167,015 $ 42,000
Cumberland, Maine 65 $ 14,299,000 $ 219,984 $ 53,000
Contra Costa, California 64 $ 18,261,000 $ 285,328 $ 57,000
Ventura, California 64 $ 20,576,000 $ 321,500 $ 90,000
Lake, Florida 64 $ 10,413,000 $ 162,703 $ 57,000
Sussex, New Jersey 64 $ 14,826,000 $ 231,656 $ 68,000
Union, New Jersey 63 $ 14,877,000 $ 236,142 $ 68,000
Dutchess, New York 63 $ 13,253,000 $ 210,365 $ 66,000
Allegheny, Pennsylvania 62 $ 9,347,000 $ 150,758 $ 50,000
Fort Bend, Texas 61 $ 7,724,000 $ 126,622 $ 83,000
Travis, Texas 61 $ 9,454,000 $ 154,983 $ 58,000
Johnson, Kansas 60 $ 10,915,000 $ 181,916 $ 60,000
Wake, North Carolina 60 $ 11,497,000 $ 191,616 $ 36,000
Jefferson, Missouri 59 $ 8,419,000 $ 142,694 $ 48,000
Suffolk, Massachusetts 58 $ 15,955,000 $ 275,086 $ 79,000
Chittenden, Vermont 58 $ 12,301,000 $ 212,086 $ 92,000
Lee, Florida 56 $ 10,131,000 $ 180,910 $ 73,000
Jackson, Missouri 56 $ 7,209,000 $ 128,732 $ 43,000
Volusia, Florida 55 $ 8,688,000 $ 157,963 $ 63,000
Linn, Iowa 55 $ 7,875,000 $ 143,181 $ 348,000
Brevard, Florida 54 $ 9,440,000 $ 174,814 $ 52,000
Barnstable, Massachusetts 54 $ 15,827,000 $ 293,092 $ 152,000
Santa Fe, New Mexico 53 $ 12,943,000 $ 244,207 $ 161,000
Kern, California 52 $ 8,530,000 $ 164,038 $ 38,000
Iredell, North Carolina 52 $ 8,326,000 $ 160,115 $ 50,000
Dallas, Iowa 48 $ 6,702,000 $ 139,625 $ 74,000
Mercer, New Jersey 48 $ 10,701,000 $ 222,937 $ 68,000
Horry, South Carolina 48 $ 8,066,000 $ 168,041 $ 53,000
Macomb, Michigan 47 $ 6,121,000 $ 130,234 $ 50,000
Pennington, South Dakota 47 $ 5,812,000 $ 123,659 $ 45,000
San Joaquin, California 46 $ 10,752,000 $ 233,739 $ 62,000
York, Maine 46 $ 12,535,000 $ 272,500 $ 82,000
Chesterfield, Virginia 46 $ 8,628,000 $ 187,565 $ 49,000
Jefferson, Alabama 45 $ 4,074,000 $ 90,533 $ 20,000
Washington, Maryland 45 $ 10,033,000 $ 222,955 $ 50,000
Nassau, Florida 44 $ 8,796,000 $ 199,909 $ 70,000
Allen, Indiana 44 $ 2,984,000 $ 67,818 $ 0
Hampden, Massachusetts 44 $ 7,152,000 $ 162,545 $ 27,000
Spotsylvania, Virginia 44 $ 9,503,000 $ 215,977 $ 47,000
Virginia Beach, Virginia 44 $ 7,616,000 $ 173,090 $ 54,000
Polk, Florida 43 $ 5,376,000 $ 125,023 $ 46,000
Orleans, Louisiana 43 $ 2,987,000 $ 69,465 $ 40,000
Broomfield, Colorado 42 $ 9,434,000 $ 224,619 $ 63,000
Forsyth, Georgia 42 $ 10,021,000 $ 238,595 $ 50,000
Washoe, Nevada 42 $ 9,731,000 $ 231,690 $ 30,000
Merrimack, New Hampshire 42 $ 8,582,000 $ 204,333 $ 57,000
Somerset, New Jersey 42 $ 11,115,000 $ 264,642 $ 72,000
Summit, Colorado 41 $ 10,698,000 $ 260,926 $ 137,000
Litchfield, Connecticut 41 $ 7,998,000 $ 195,073 $ 58,000
Middlesex, Connecticut 41 $ 9,123,000 $ 222,512 $ 53,000
Cherokee, Georgia 41 $ 8,351,000 $ 203,682 $ 65,000
East Baton Rouge, Louisiana 41 $ 6,971,000 $ 170,024 $ 61,000
Ingham, Michigan 41 $ 5,648,000 $ 137,756 $ 57,000
Atlantic, New Jersey 40 $ 7,506,000 $ 187,650 $ 54,000
Stanislaus, California 39 $ 7,937,000 $ 203,512 $ 40,000
Tolland, Connecticut 39 $ 9,072,000 $ 232,615 $ 78,000
Northampton, Pennsylvania 39 $ 7,857,000 $ 201,461 $ 60,000
Sussex, Delaware 38 $ 10,077,000 $ 265,184 $ 116,000
Cape May, New Jersey 38 $ 9,086,000 $ 239,105 $ 73,000
Bernalillo, New Mexico 38 $ 5,270,000 $ 138,684 $ 39,000
Summit, Ohio 38 $ 3,658,000 $ 96,263 $ 13,000
Kent, Michigan 37 $ 3,089,000 $ 83,486 $ 25,000
Davidson, Tennessee 37 $ 3,187,000 $ 86,135 $ 16,000
Sarasota, Florida 36 $ 7,137,000 $ 198,250 $ 50,000
Dakota, Minnesota 36 $ 6,671,000 $ 185,305 $ 54,000
Hill, Montana 36 $ 4,407,000 $ 122,416 $ 83,000
Buncombe, North Carolina 36 $ 6,830,000 $ 189,722 $ 64,000
New London, Connecticut 35 $ 8,656,000 $ 247,314 $ 72,000
Lincoln, South Dakota 35 $ 5,879,000 $ 167,971 $ 83,000
Milwaukee, Wisconsin 35 $ 4,558,000 $ 130,228 $ 44,000
Clayton, Georgia 34 $ 3,515,000 $ 103,382 $ 23,000
St. Joseph, Indiana 34 $ 2,444,000 $ 71,882 $ 35,000
Worcester, Maryland 34 $ 8,523,000 $ 250,676 $ 95,000
St. Louis City, Missouri 34 $ 3,768,000 $ 110,823 $ 73,000
Lancaster, Pennsylvania 34 $ 5,558,000 $ 163,470 $ 26,000
Fresno, California 33 $ 5,752,000 $ 174,303 $ 44,000
Grand, Colorado 33 $ 6,498,000 $ 196,909 $ 97,000
Fauquier, Virginia 33 $ 9,100,000 $ 275,757 $ 68,000
Mesa, Colorado 32 $ 4,713,000 $ 147,281 $ 48,000
Johnson, Iowa 32 $ 4,942,000 $ 154,437 $ 80,000
Christian, Missouri 32 $ 4,502,000 $ 140,687 $ 48,000
Washington, Oregon 32 $ 6,186,000 $ 193,312 $ 45,000
Bristol, Rhode Island 32 $ 7,950,000 $ 248,437 $ 113,000
Henrico, Virginia 32 $ 5,883,000 $ 183,843 $ 34,000
Clark, Washington 32 $ 5,834,000 $ 182,312 $ 39,000
Pasco, Florida 31 $ 4,930,000 $ 159,032 $ 46,000
Laramie, Wyoming 31 $ 5,576,000 $ 179,870 $ 84,000
St. Mary's, Maryland 30 $ 6,086,000 $ 202,866 $ 59,000
Gloucester, New Jersey 30 $ 5,393,000 $ 179,766 $ 40,000
Oklahoma, Oklahoma 30 $ 8,264,000 $ 275,466 $ 19,000
Kent, Rhode Island 30 $ 5,883,000 $ 196,100 $ 66,000
Codington, South Dakota 30 $ 3,651,000 $ 121,700 $ 49,000
Williamson, Texas 30 $ 3,745,000 $ 124,833 $ 57,000
Teller, Colorado 29 $ 5,360,000 $ 184,827 $ 70,000
Jefferson, Kentucky 29 $ 2,654,000 $ 91,517 $ 0
Multnomah, Oregon 29 $ 5,454,000 $ 188,068 $ 40,000
Lehigh, Pennsylvania 29 $ 4,867,000 $ 167,827 $ 61,000
Solano, California 28 $ 6,261,000 $ 223,607 $ 45,000
Ramsey, Minnesota 28 $ 4,650,000 $ 166,071 $ 51,000
Washington, Rhode Island 28 $ 6,990,000 $ 249,642 $ 78,000
Johnson, Texas 28 $ 2,997,000 $ 107,035 $ 68,000
St. Clair, Illinois 27 $ 3,000,000 $ 111,111 $ 46,000
LaPorte, Indiana 27 $ 2,062,000 $ 76,370 $ 33,000
Warren, Iowa 27 $ 4,081,000 $ 151,148 $ 71,000
Genesee, Michigan 27 $ 2,347,000 $ 86,925 $ 44,000
Cabarrus, North Carolina 27 $ 5,269,000 $ 195,148 $ 59,000
Guilford, North Carolina 27 $ 3,788,000 $ 140,296 $ 23,000
Ellis, Texas 27 $ 4,211,000 $ 155,962 $ 84,000
Culpeper, Virginia 27 $ 6,946,000 $ 257,259 $ 59,000
Mobile, Alabama 26 $ 2,136,000 $ 82,153 $ 58,000
Collier, Florida 26 $ 6,762,000 $ 260,076 $ 105,000
Ada, Idaho 26 $ 3,231,000 $ 124,269 $ 38,000
Scott, Iowa 26 $ 4,876,000 $ 187,538 $ 43,000
Queen Anne's, Maryland 26 $ 6,288,000 $ 241,846 $ 79,000
Putnam, New York 26 $ 6,890,000 $ 265,000 $ 55,000
Osceola, Florida 25 $ 4,670,000 $ 186,800 $ 66,000
Butler, Missouri 25 $ 4,156,000 $ 166,240 $ 91,000
Cumberland, North Carolina 25 $ 1,829,000 $ 73,160 $ 32,000
Parker, Texas 25 $ 3,642,000 $ 145,680 $ 55,000
Park, Colorado 24 $ 4,286,000 $ 178,583 $ 68,000
Leon, Florida 24 $ 5,244,000 $ 218,500 $ 76,000
Henry, Georgia 24 $ 4,671,000 $ 194,625 $ 47,000
Hamilton, Indiana 24 $ 4,924,000 $ 205,166 $ 73,000
Anoka, Minnesota 24 $ 3,845,000 $ 160,208 $ 37,000
Strafford, New Hampshire 24 $ 4,789,000 $ 199,541 $ 61,000
Catawba, North Carolina 24 $ 6,215,000 $ 258,958 $ 120,000
Tulsa, Oklahoma 24 $ 937,000 $ 39,041 $ 31,000
Greenville, South Carolina 24 $ 2,301,000 $ 95,875 $ 40,000
Madison, Alabama 23 $ 3,221,000 $ 140,043 $ 22,000
Flagler, Florida 23 $ 5,600,000 $ 243,478 $ 75,000
Hinds, Mississippi 23 $ 792,000 $ 34,434 $ 0
Sarpy, Nebraska 23 $ 3,596,000 $ 156,347 $ 72,000
Butler, Ohio 23 $ 2,890,000 $ 125,652 $ 23,000
Cumberland, Pennsylvania 23 $ 3,158,000 $ 137,304 $ 55,000
Dauphin, Pennsylvania 23 $ 2,543,000 $ 110,565 $ 44,000
Brazoria, Texas 23 $ 3,053,000 $ 132,739 $ 81,000
Anchorage, Alaska 22 $ 2,921,000 $ 132,772 $ 18,000
San Mateo, California 22 $ 6,672,000 $ 303,272 $ 48,000
St. Lucie, Florida 22 $ 3,045,000 $ 138,409 $ 49,000
Honolulu, Hawaii 22 $ 5,903,000 $ 268,318 $ 31,000
Clay, Missouri 22 $ 3,013,000 $ 136,954 $ 38,000
Greene, Missouri 22 $ 3,546,000 $ 161,181 $ 82,000
Montgomery, Ohio 22 $ 1,690,000 $ 76,818 $ 3,000
Richland, South Carolina 22 $ 2,690,000 $ 122,272 $ 35,000
Utah, Utah 22 $ 4,560,000 $ 207,272 $ 54,000
Chesapeake, Virginia 22 $ 2,530,000 $ 115,000 $ 27,000
Richmond City, Virginia 22 $ 2,639,000 $ 119,954 $ 208,000
San Francisco, California 21 $ 7,268,000 $ 346,095 $ 113,000
Manatee, Florida 21 $ 4,096,000 $ 195,047 $ 72,000
Madison, Illinois 21 $ 2,073,000 $ 98,714 $ 52,000
Lake, Indiana 21 $ 2,832,000 $ 134,857 $ 41,000
St. Tammany, Louisiana 21 $ 3,596,000 $ 171,238 $ 53,000
Garrett, Maryland 21 $ 5,580,000 $ 265,714 $ 135,000
Washtenaw, Michigan 21 $ 4,624,000 $ 220,190 $ 77,000
Warren, New Jersey 21 $ 4,739,000 $ 225,666 $ 63,000
New Hanover, North Carolina 21 $ 3,062,000 $ 145,809 $ 59,000
Union, North Carolina 21 $ 4,363,000 $ 207,761 $ 62,000
Berks, Pennsylvania 21 $ 2,877,000 $ 137,000 $ 57,000
Beaufort, South Carolina 21 $ 4,274,000 $ 203,523 $ 91,000
Nueces, Texas 21 $ 1,499,000 $ 71,380 $ 0
Spokane, Washington 21 $ 3,016,000 $ 143,619 $ 47,000
Waukesha, Wisconsin 21 $ 4,395,000 $ 209,285 $ 57,000
Jefferson, Louisiana 20 $ 1,272,000 $ 63,600 $ 22,000
Kalamazoo, Michigan 20 $ 1,445,000 $ 72,250 $ 21,000
Hunterdon, New Jersey 20 $ 5,746,000 $ 287,300 $ 100,000
Erie, New York 20 $ 2,204,000 $ 110,200 $ 32,000
Onondaga, New York 20 $ 2,094,000 $ 104,700 $ 51,000
Newport, Rhode Island 20 $ 6,765,000 $ 338,250 $ 215,000
Manassas, Virginia 20 $ 5,486,000 $ 274,300 $ 61,000
Montgomery, Alabama 19 $ 4,682,000 $ 246,421 $ 0
Pulaski, Arkansas 19 $ 1,904,000 $ 100,210 $ 12,000
Placer, California 19 $ 5,397,000 $ 284,052 $ 68,000
Tulare, California 19 $ 2,707,000 $ 142,473 $ 19,000
Bay, Florida 19 $ 3,206,000 $ 168,736 $ 45,000
Cecil, Maryland 19 $ 4,134,000 $ 217,578 $ 58,000
Ulster, New York 19 $ 3,667,000 $ 193,000 $ 66,000
Mahoning, Ohio 19 $ 804,000 $ 42,315 $ 13,000
Charleston, South Carolina 19 $ 3,272,000 $ 172,210 $ 40,000
Chaffee, Colorado 18 $ 3,436,000 $ 190,888 $ 80,000
Douglas, Georgia 18 $ 2,497,000 $ 138,722 $ 40,000
Kendall, Illinois 18 $ 3,943,000 $ 219,055 $ 88,000
Talbot, Maryland 18 $ 3,534,000 $ 196,333 $ 75,000
Saginaw, Michigan 18 $ 1,536,000 $ 85,333 $ 12,000
Washington, Minnesota 18 $ 3,442,000 $ 191,222 $ 40,000
Buchanan, Missouri 18 $ 1,903,000 $ 105,722 $ 47,000
Camden, Missouri 18 $ 3,234,000 $ 179,666 $ 106,000
Flathead, Montana 18 $ 4,782,000 $ 265,666 $ 153,000
Gallatin, Montana 18 $ 3,404,000 $ 189,111 $ 117,000
Monroe, New York 18 $ 2,071,000 $ 115,055 $ 16,000
Davison, South Dakota 18 $ 2,290,000 $ 127,222 $ 48,000
Norfolk, Virginia 18 $ 2,030,000 $ 112,777 $ 45,000
Pinal, Arizona 17 $ 2,714,000 $ 159,647 $ 30,000
La Plata, Colorado 17 $ 3,429,000 $ 201,705 $ 59,000
Marion, Florida 17 $ 3,510,000 $ 206,470 $ 46,000
Okaloosa, Florida 17 $ 4,254,000 $ 250,235 $ 69,000
Bibb, Georgia 17 $ 1,428,000 $ 84,000 $ 73,000
Newton, Georgia 17 $ 2,365,000 $ 139,117 $ 29,000
Stephenson, Illinois 17 $ 1,057,000 $ 62,176 $ 0
Hendricks, Indiana 17 $ 1,852,000 $ 108,941 $ 21,000
Wyandotte, Kansas 17 $ 833,000 $ 49,000 $ 6,000
Harrison, Mississippi 17 $ 807,000 $ 47,470 $ 23,000
Belknap, New Hampshire 17 $ 3,286,000 $ 193,294 $ 66,000
Cumberland, New Jersey 17 $ 2,230,000 $ 131,176 $ 70,000
Forsyth, North Carolina 17 $ 2,997,000 $ 176,294 $ 44,000
Hamilton, Ohio 17 $ 3,025,000 $ 177,941 $ 0
Franklin, Pennsylvania 17 $ 2,863,000 $ 168,411 $ 64,000
York, South Carolina 17 $ 2,311,000 $ 135,941 $ 41,000
Bell, Texas 17 $ 1,669,000 $ 98,176 $ 58,000
El Paso, Texas 17 $ 1,229,000 $ 72,294 $ 36,000
Racine, Wisconsin 17 $ 2,194,000 $ 129,058 $ 23,000
Kent, Delaware 16 $ 2,846,000 $ 177,875 $ 54,000
Columbia, Georgia 16 $ 3,253,000 $ 203,312 $ 88,000
Madison, Iowa 16 $ 2,603,000 $ 162,687 $ 73,000
Scott, Minnesota 16 $ 3,544,000 $ 221,500 $ 36,000
Laclede, Missouri 16 $ 1,539,000 $ 96,187 $ 55,000
Sullivan, New York 16 $ 2,581,000 $ 161,312 $ 101,000
Durham, North Carolina 16 $ 2,077,000 $ 129,812 $ 28,000
Gaston, North Carolina 16 $ 2,016,000 $ 126,000 $ 37,000
Delaware, Ohio 16 $ 2,784,000 $ 174,000 $ 46,000
Monroe, Pennsylvania 16 $ 2,675,000 $ 167,187 $ 57,000
Westmoreland, Pennsylvania 16 $ 2,510,000 $ 156,875 $ 41,000
Blount, Tennessee 16 $ 4,512,000 $ 282,000 $ 201,000
Galveston, Texas 16 $ 2,470,000 $ 154,375 $ 120,000
Rockwall, Texas 16 $ 2,201,000 $ 137,562 $ 85,000
Santa Barbara, California 15 $ 4,487,000 $ 299,133 $ 38,000
Alachua, Florida 15 $ 3,471,000 $ 231,400 $ 64,000
Chatham, Georgia 15 $ 5,249,000 $ 349,933 $ 59,000
Fayette, Georgia 15 $ 3,265,000 $ 217,666 $ 43,000
Paulding, Georgia 15 $ 1,929,000 $ 128,600 $ 47,000
Boone, Illinois 15 $ 2,101,000 $ 140,066 $ 21,000
Sedgwick, Kansas 15 $ 1,210,000 $ 80,666 $ 10,000
Wicomico, Maryland 15 $ 2,599,000 $ 173,266 $ 62,000
Lorain, Ohio 15 $ 2,288,000 $ 152,533 $ 37,000
Pike, Pennsylvania 15 $ 2,469,000 $ 164,600 $ 67,000
Hood, Texas 15 $ 2,169,000 $ 144,600 $ 72,000
James City, Virginia 15 $ 4,320,000 $ 288,000 $ 108,000
Newport News, Virginia 15 $ 1,727,000 $ 115,133 $ 27,000
Routt, Colorado 14 $ 4,513,000 $ 322,357 $ 116,000
Windham, Connecticut 14 $ 2,791,000 $ 199,357 $ 34,000
Escambia, Florida 14 $ 2,072,000 $ 148,000 $ 35,000
Hall, Georgia 14 $ 3,669,000 $ 262,071 $ 73,000
Richmond, Georgia 14 $ 1,160,000 $ 82,857 $ 62,000
Fayette, Kentucky 14 $ 1,387,000 $ 99,071 $ 15,000
Mower, Minnesota 14 $ 2,253,000 $ 160,928 $ 62,000
DeSoto, Mississippi 14 $ 2,049,000 $ 146,357 $ 32,000
Grafton, New Hampshire 14 $ 2,393,000 $ 170,928 $ 46,000
Warren, Ohio 14 $ 2,188,000 $ 156,285 $ 32,000
Williamson, Tennessee 14 $ 2,991,000 $ 213,642 $ 34,000
Davis, Utah 14 $ 2,289,000 $ 163,500 $ 50,000
Fairfax City, Virginia 14 $ 4,715,000 $ 336,785 $ 92,000
Hampton, Virginia 14 $ 1,511,000 $ 107,928 $ 42,000
Kitsap, Washington 14 $ 2,522,000 $ 180,142 $ 34,000
Dane, Wisconsin 14 $ 2,886,000 $ 206,142 $ 64,000
Shelby, Alabama 13 $ 2,466,000 $ 189,692 $ 77,000
Sonoma, California 13 $ 2,566,000 $ 197,384 $ 23,000
Charlotte, Florida 13 $ 2,385,000 $ 183,461 $ 49,000
Hawaii, Hawaii 13 $ 3,498,000 $ 269,076 $ 74,000
Pottawattamie, Iowa 13 $ 1,878,000 $ 144,461 $ 68,000
Berrien, Michigan 13 $ 1,265,000 $ 97,307 $ 102,000
Albany, New York 13 $ 1,904,000 $ 146,461 $ 73,000
Lincoln, North Carolina 13 $ 1,907,000 $ 146,692 $ 30,000
Onslow, North Carolina 13 $ 1,171,000 $ 90,076 $ 39,000
Lucas, Ohio 13 $ 1,919,000 $ 147,615 $ 34,000
Trumbull, Ohio 13 $ 517,000 $ 39,769 $ 0
Jefferson, Texas 13 $ 444,000 $ 34,153 $ 0
Montgomery, Texas 13 $ 1,318,000 $ 101,384 $ 60,000
Thurston, Washington 13 $ 3,028,000 $ 232,923 $ 37,000
Jefferson, West Virginia 13 $ 2,666,000 $ 205,076 $ 48,000
Yuma, Arizona 12 $ 1,705,000 $ 142,083 $ 37,000
Benton, Arkansas 12 $ 1,915,000 $ 159,583 $ 69,000
Coweta, Georgia 12 $ 2,115,000 $ 176,250 $ 32,000
Caddo, Louisiana 12 $ 887,000 $ 73,916 $ 14,000
Penobscot, Maine 12 $ 1,218,000 $ 101,500 $ 2,000
Jackson, Mississippi 12 $ 388,000 $ 32,333 $ 0
Panola, Mississippi 12 $ 1,464,000 $ 122,000 $ 50,000
Oswego, New York 12 $ 796,000 $ 66,333 $ 58,000
Saratoga, New York 12 $ 1,789,000 $ 149,083 $ 42,000
Licking, Ohio 12 $ 1,268,000 $ 105,666 $ 9,000
Portage, Ohio 12 $ 1,257,000 $ 104,750 $ 31,000
Stark, Ohio 12 $ 1,140,000 $ 95,000 $ 16,000
Clackamas, Oregon 12 $ 2,352,000 $ 196,000 $ 26,000
Loudon, Tennessee 12 $ 3,028,000 $ 252,333 $ 62,000
Manassas Park, Virginia 12 $ 3,751,000 $ 312,583 $ 73,000
York, Virginia 12 $ 3,103,000 $ 258,583 $ 31,000
Berkeley, West Virginia 12 $ 2,204,000 $ 183,666 $ 24,000
Monterey, California 11 $ 2,873,000 $ 261,181 $ 24,000
Clear Creek, Colorado 11 $ 2,076,000 $ 188,727 $ 71,000
Garfield, Colorado 11 $ 2,623,000 $ 238,454 $ 41,000
Pueblo, Colorado 11 $ 1,318,000 $ 119,818 $ 63,000
Santa Rosa, Florida 11 $ 1,505,000 $ 136,818 $ 38,000
Jackson, Georgia 11 $ 1,395,000 $ 126,818 $ 29,000
Muscogee, Georgia 11 $ 998,000 $ 90,727 $ 22,000
Leavenworth, Kansas 11 $ 1,658,000 $ 150,727 $ 67,000
Clinton, Michigan 11 $ 1,890,000 $ 171,818 $ 50,000
Silver Bow, Montana 11 $ 1,220,000 $ 110,909 $ 72,000
Rowan, North Carolina 11 $ 1,430,000 $ 130,000 $ 54,000
Lake, Ohio 11 $ 1,658,000 $ 150,727 $ 25,000
Rutherford, Tennessee 11 $ 1,101,000 $ 100,090 $ 9,000
Albemarle, Virginia 11 $ 2,439,000 $ 221,727 $ 117,000
Marin, California 10 $ 3,023,000 $ 302,300 $ 64,000
Merced, California 10 $ 1,542,000 $ 154,200 $ 9,000
Porter, Indiana 10 $ 1,341,000 $ 134,100 $ 6,000
Wright, Minnesota 10 $ 1,668,000 $ 166,800 $ 80,000
Boone, Missouri 10 $ 1,013,000 $ 101,300 $ 39,000
Scott, Missouri 10 $ 1,286,000 $ 128,600 $ 57,000
Lancaster, Nebraska 10 $ 1,633,000 $ 163,300 $ 83,000
Vance, North Carolina 10 $ 960,000 $ 96,000 $ 28,000
Lexington, South Carolina 10 $ 879,000 $ 87,900 $ 6,000
Cameron, Texas 10 $ 498,000 $ 49,800 $ 0
Kaufman, Texas 10 $ 1,166,000 $ 116,600 $ 60,000
Frederick, Virginia 10 $ 2,493,000 $ 249,300 $ 64,000
Whatcom, Washington 10 $ 2,437,000 $ 243,700 $ 27,000
Yavapai, Arizona 9 $ 1,256,000 $ 139,555 $ 11,000
Elbert, Colorado 9 $ 2,558,000 $ 284,222 $ 76,000
Morgan, Colorado 9 $ 1,041,000 $ 115,666 $ 41,000
Rockdale, Georgia 9 $ 1,320,000 $ 146,666 $ 10,000
Delaware, Indiana 9 $ 470,000 $ 52,222 $ 42,000
Androscoggin, Maine 9 $ 1,440,000 $ 160,000 $ 76,000
Hampshire, Massachusetts 9 $ 1,779,000 $ 197,666 $ 47,000
Allegan, Michigan 9 $ 922,000 $ 102,444 $ 23,000
Calhoun, Michigan 9 $ 1,125,000 $ 125,000 $ 48,000
Midland, Michigan 9 $ 584,000 $ 64,888 $ 0
Cass, Missouri 9 $ 1,460,000 $ 162,222 $ 44,000
Stone, Missouri 9 $ 1,593,000 $ 177,000 $ 116,000
Cass, Nebraska 9 $ 1,196,000 $ 132,888 $ 56,000
Carroll, New Hampshire 9 $ 2,495,000 $ 277,222 $ 163,000
Brunswick, North Carolina 9 $ 1,286,000 $ 142,888 $ 108,000
Greene, Ohio 9 $ 1,338,000 $ 148,666 $ 22,000
Adams, Pennsylvania 9 $ 1,637,000 $ 181,888 $ 45,000
Lebanon, Pennsylvania 9 $ 1,487,000 $ 165,222 $ 40,000
Dorchester, South Carolina 9 $ 1,167,000 $ 129,666 $ 34,000
Grayson, Texas 9 $ 984,000 $ 109,333 $ 46,000
Wichita, Texas 9 $ 996,000 $ 110,666 $ 53,000
Washington, Utah 9 $ 1,956,000 $ 217,333 $ 140,000
Washington, Vermont 9 $ 1,539,000 $ 171,000 $ 58,000
Windsor, Vermont 9 $ 2,333,000 $ 259,222 $ 165,000
Franklin, Virginia 9 $ 1,194,000 $ 132,666 $ 46,000
Kenosha, Wisconsin 9 $ 1,239,000 $ 137,666 $ 25,000
Baldwin, Alabama 8 $ 2,908,000 $ 363,500 $ 144,000
Cochise, Arizona 8 $ 461,000 $ 57,625 $ 0
Mohave, Arizona 8 $ 2,478,000 $ 309,750 $ 153,000
Gilpin, Colorado 8 $ 2,033,000 $ 254,125 $ 97,000
Indian River, Florida 8 $ 1,843,000 $ 230,375 $ 125,000
Martin, Florida 8 $ 3,148,000 $ 393,500 $ 132,000
Bartow, Georgia 8 $ 1,158,000 $ 144,750 $ 23,000
Camden, Georgia 8 $ 786,000 $ 98,250 $ 42,000
Glynn, Georgia 8 $ 2,617,000 $ 327,125 $ 558,000
Walton, Georgia 8 $ 1,237,000 $ 154,625 $ 26,000
Johnson, Indiana 8 $ 972,000 $ 121,500 $ 15,000
Oxford, Maine 8 $ 1,375,000 $ 171,875 $ 50,000
Jackson, Michigan 8 $ 742,000 $ 92,750 $ 8,000
Livingston, Michigan 8 $ 1,028,000 $ 128,500 $ 49,000
Ottawa, Michigan 8 $ 948,000 $ 118,500 $ 41,000
St. Louis, Minnesota 8 $ 807,000 $ 100,875 $ 26,000
Douglas, Nevada 8 $ 1,989,000 $ 248,625 $ 0
Richland, Ohio 8 $ 593,000 $ 74,125 $ 12,000
Ross, Ohio 8 $ 811,000 $ 101,375 $ 0
Marion, Oregon 8 $ 1,002,000 $ 125,250 $ 0
Butler, Pennsylvania 8 $ 1,768,000 $ 221,000 $ 83,000
Luzerne, Pennsylvania 8 $ 1,251,000 $ 156,375 $ 91,000
Anderson, South Carolina 8 $ 873,000 $ 109,125 $ 72,000
Henderson, Texas 8 $ 757,000 $ 94,625 $ 169,000
Smith, Texas 8 $ 770,000 $ 96,250 $ 55,000
Augusta, Virginia 8 $ 1,024,000 $ 128,000 $ 46,000
Washington, Wisconsin 8 $ 1,874,000 $ 234,250 $ 39,000
Butte, California 7 $ 1,575,000 $ 225,000 $ 56,000
Humboldt, California 7 $ 1,044,000 $ 149,142 $ 23,000
Custer, Colorado 7 $ 1,138,000 $ 162,571 $ 53,000
Fremont, Colorado 7 $ 1,152,000 $ 164,571 $ 55,000
Citrus, Florida 7 $ 909,000 $ 129,857 $ 11,000
Barrow, Georgia 7 $ 755,000 $ 107,857 $ 10,000
Vermilion, Illinois 7 $ 343,000 $ 49,000 $ 0
Elkhart, Indiana 7 $ 500,000 $ 71,428 $ 17,000
Hancock, Indiana 7 $ 680,000 $ 97,142 $ 0
Tippecanoe, Indiana 7 $ 604,000 $ 86,285 $ 39,000
Benton, Iowa 7 $ 1,064,000 $ 152,000 $ 84,000
Black Hawk, Iowa 7 $ 774,000 $ 110,571 $ 47,000
Jasper, Iowa 7 $ 896,000 $ 128,000 $ 55,000
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Mortgage Loan Application Detail Totals for Everbank in 2005

Loan Purpose

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Refinancing 17,561 $4,039,613,000 $199,274 $5,750,000 $53,803 $4,717,000
Home Purchase 16,428 $2,963,560,000 $161,098 $9,000,000 $59,549 $4,094,000
Home Improvement 642 $155,211,000 $211,282 $2,000,000 $78,410 $1,140,000

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 19,106 $4,317,898,000 $206,039 $5,000,000 $76,058 $4,717,000
Not applicable 5,908 $469,900,000 $78,333 $2,188,000 $19 $236,000
Not Provided 3,200 $802,491,000 $245,620 $9,000,000 $51,280 $2,092,000
Asian 2,794 $811,977,000 $224,000 $1,500,000 $90,275 $1,254,000
Hispanic 1,890 $435,198,000 $202,428 $2,975,000 $64,904 $869,000
Black or African American 1,564 $282,465,000 $175,404 $2,000,000 $53,642 $1,800,000
Native Hawaiian or Other Pacific Islander 92 $23,489,000 $247,142 $575,000 $72,571 $159,000
American Indian or Alaskan Native 77 $14,966,000 $182,782 $360,000 $56,695 $289,000

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) 29,118 $6,722,797,000 $206,078 $9,000,000 $67,745 $4,717,000
FHA-insured (Federal Housing Administration) 4,114 $349,460,000 $84,224 $506,000 $2,040 $382,000
VA-guaranteed (Veterans Administration) 1,399 $86,127,000 $67,760 $307,000 $0 $0
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 17,295 $3,942,766,000 $216,235 $4,000,000 $93,666 $1,776,000
Loan Purchased By The Institution 13,212 $2,179,540,000 $135,450 $5,750,000 $2,882 $2,107,000
Application Approved But Not Accepted 1,862 $481,437,000 $227,866 $4,000,000 $96,822 $4,000,000
Application Denied By Financial Institution 1,417 $334,125,000 $206,020 $4,609,000 $92,714 $4,094,000
Application Withdrawn By Applicant 523 $133,272,000 $219,872 $9,000,000 $108,489 $4,717,000
File Closed For Incompleteness 322 $87,244,000 $227,627 $5,000,000 $97,139 $2,400,000
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 393 $94,950,000 $197,000 $1,625,000 $77,511 $1,634,000
Other 317 $81,499,000 $277,051 $4,609,000 $168,743 $4,094,000
Collateral 277 $62,476,000 $220,512 $1,400,000 $98,195 $1,050,000
Debt-To-Income Ratio 247 $52,190,000 $213,358 $876,000 $66,512 $350,000
Insufficient Cash (Downpayment, Closing Cost) 69 $16,329,000 $203,086 $1,000,000 $70,565 $329,000
Unverifiable Information 51 $12,898,000 $241,050 $628,000 $104,650 $380,000
Employment History 37 $7,100,000 $186,111 $715,000 $74,333 $153,000
Credit Application Incomplete 25 $6,585,000 $285,076 $1,000,000 $163,384 $699,000
Mortgage Insurance Denied 1 $98,000 $98,000 $98,000 $40,000 $40,000

Our comprehensive HMDA mortgage statistics provide invaluable insights into Everbank's 2005 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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