Everbank Mortgage Lending & HMDA Data, 2007

In 2007, Everbank of Jacksonville, FL reported 35,539 mortgage applications totaling $8.4 billion, up 26% from 2006. The average application was for $235,571, and applicants reported an average income of $84,915. 45% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Denver-Aurora, CO (1,938), Chicago-Naperville-Joliet, IL (1,897) and New York-White Plains-Wayne, NY-NJ (1,419) (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 35,539
Total Mortgage Loan Application Amount $8,371,983,000
Average Mortgage Loan Application Amount $235,571
Highest Mortgage Loan Application Amount $8,800,000
Average Applicant Income $84,915
Highest Applicant Income $4,992,000

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Disclosure Act (HMDA) records Everbank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2007

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Cook, Illinois 1,162 $ 315,530,000 $ 271,540 $ 96,000
Maricopa, Arizona 1,079 $ 287,696,000 $ 266,632 $ 102,000
Duval, Florida 668 $ 125,329,000 $ 187,618 $ 81,000
Denver, Colorado 495 $ 111,202,000 $ 224,650 $ 95,000
Jefferson, Colorado 475 $ 100,222,000 $ 210,993 $ 83,000
Santa Clara, California 443 $ 258,852,000 $ 584,316 $ 162,000
Polk, Iowa 443 $ 68,520,000 $ 154,672 $ 76,000
Weld, Colorado 403 $ 81,593,000 $ 202,464 $ 86,000
Boulder, Colorado 400 $ 111,173,000 $ 277,932 $ 111,000
Los Angeles, California 394 $ 143,860,000 $ 365,126 $ 101,000
Sacramento, California 387 $ 105,895,000 $ 273,630 $ 95,000
Arapahoe, Colorado 344 $ 69,922,000 $ 203,261 $ 79,000
Pima, Arizona 335 $ 76,627,000 $ 228,737 $ 100,000
Westchester, New York 325 $ 101,953,000 $ 313,701 $ 126,000
Salt Lake, Utah 323 $ 78,849,000 $ 244,114 $ 87,000
Clark, Nevada 296 $ 64,336,000 $ 217,351 $ 63,000
Dallas, Texas 296 $ 55,843,000 $ 188,658 $ 86,000
Suffolk, New York 287 $ 84,840,000 $ 295,609 $ 100,000
Adams, Colorado 270 $ 46,302,000 $ 171,488 $ 61,000
Montgomery, Maryland 268 $ 84,787,000 $ 316,369 $ 98,000
Monmouth, New Jersey 262 $ 86,253,000 $ 329,209 $ 126,000
DuPage, Illinois 258 $ 71,303,000 $ 276,368 $ 94,000
Lake, Illinois 256 $ 67,063,000 $ 261,964 $ 101,000
St. Louis, Missouri 251 $ 46,468,000 $ 185,131 $ 71,000
Hennepin, Minnesota 250 $ 46,339,000 $ 185,356 $ 41,000
Fairfax, Virginia 246 $ 83,035,000 $ 337,540 $ 113,000
Douglas, Colorado 245 $ 66,220,000 $ 270,285 $ 101,000
Fairfield, Connecticut 238 $ 93,001,000 $ 390,760 $ 120,000
Harris, Texas 237 $ 27,591,000 $ 116,417 $ 51,000
Yavapai, Arizona 230 $ 61,849,000 $ 268,908 $ 100,000
Larimer, Colorado 222 $ 46,087,000 $ 207,599 $ 81,000
Queens, New York 219 $ 67,355,000 $ 307,557 $ 87,000
Fulton, Georgia 217 $ 66,083,000 $ 304,529 $ 114,000
Middlesex, Massachusetts 215 $ 51,064,000 $ 237,506 $ 51,000
Alameda, California 211 $ 102,070,000 $ 483,744 $ 137,000
Collin, Texas 207 $ 34,665,000 $ 167,463 $ 80,000
Orange, Florida 205 $ 44,067,000 $ 214,960 $ 53,000
Will, Illinois 195 $ 43,744,000 $ 224,328 $ 92,000
Nassau, New York 191 $ 71,002,000 $ 371,738 $ 130,000
Tarrant, Texas 188 $ 29,776,000 $ 158,382 $ 94,000
Kings, New York 186 $ 67,156,000 $ 361,053 $ 94,000
San Diego, California 181 $ 65,873,000 $ 363,939 $ 102,000
Mecklenburg, North Carolina 180 $ 40,073,000 $ 222,627 $ 94,000
Hartford, Connecticut 179 $ 40,360,000 $ 225,474 $ 95,000
Prince George's, Maryland 179 $ 46,648,000 $ 260,603 $ 86,000
Montgomery, Pennsylvania 174 $ 42,308,000 $ 243,149 $ 96,000
El Paso, Colorado 171 $ 35,721,000 $ 208,894 $ 81,000
Douglas, Nebraska 170 $ 34,526,000 $ 203,094 $ 125,000
Contra Costa, California 164 $ 72,086,000 $ 439,548 $ 122,000
Palm Beach, Florida 163 $ 36,839,000 $ 226,006 $ 73,000
Worcester, Massachusetts 161 $ 32,893,000 $ 204,304 $ 74,000
San Joaquin, California 160 $ 45,195,000 $ 282,468 $ 84,000
Orange, California 155 $ 65,467,000 $ 422,367 $ 112,000
Bergen, New Jersey 153 $ 54,828,000 $ 358,352 $ 104,000
Denton, Texas 153 $ 27,107,000 $ 177,169 $ 73,000
Baltimore, Maryland 145 $ 34,801,000 $ 240,006 $ 95,000
Wayne, Michigan 145 $ 17,417,000 $ 120,117 $ 15,000
New Haven, Connecticut 144 $ 30,614,000 $ 212,597 $ 71,000
Oakland, Michigan 144 $ 25,795,000 $ 179,131 $ 22,000
Broward, Florida 140 $ 31,363,000 $ 224,021 $ 64,000
Orange, New York 139 $ 35,223,000 $ 253,402 $ 92,000
Ocean, New Jersey 138 $ 37,258,000 $ 269,985 $ 109,000
Chester, Pennsylvania 138 $ 38,083,000 $ 275,963 $ 114,000
Middlesex, New Jersey 134 $ 35,189,000 $ 262,604 $ 80,000
Hudson, New Jersey 132 $ 41,769,000 $ 316,431 $ 122,000
Hillsborough, Florida 131 $ 24,265,000 $ 185,229 $ 47,000
San Mateo, California 126 $ 76,346,000 $ 605,920 $ 162,000
St. Johns, Florida 126 $ 40,693,000 $ 322,960 $ 129,000
San Francisco, California 125 $ 74,282,000 $ 594,256 $ 183,000
Cobb, Georgia 124 $ 25,917,000 $ 209,008 $ 84,000
Bucks, Pennsylvania 121 $ 31,491,000 $ 260,256 $ 97,000
King, Washington 120 $ 40,493,000 $ 337,441 $ 85,000
Kane, Illinois 118 $ 26,661,000 $ 225,940 $ 84,000
Travis, Texas 118 $ 32,382,000 $ 274,423 $ 147,000
Bernalillo, New Mexico 116 $ 19,779,000 $ 170,508 $ 76,000
Miami-Dade, Florida 114 $ 37,179,000 $ 326,131 $ 96,000
Norfolk, Massachusetts 114 $ 29,594,000 $ 259,596 $ 55,000
St. Charles, Missouri 113 $ 15,050,000 $ 133,185 $ 37,000
Providence, Rhode Island 113 $ 24,826,000 $ 219,699 $ 90,000
Placer, California 112 $ 37,068,000 $ 330,964 $ 106,000
Anne Arundel, Maryland 112 $ 32,127,000 $ 286,848 $ 86,000
Philadelphia, Pennsylvania 112 $ 19,778,000 $ 176,589 $ 102,000
DeKalb, Georgia 111 $ 22,515,000 $ 202,837 $ 53,000
Minnehaha, South Dakota 111 $ 16,233,000 $ 146,243 $ 70,000
Seminole, Florida 107 $ 25,373,000 $ 237,130 $ 64,000
Riverside, California 105 $ 29,452,000 $ 280,495 $ 86,000
Gwinnett, Georgia 104 $ 16,913,000 $ 162,625 $ 39,000
Bexar, Texas 104 $ 12,815,000 $ 123,221 $ 50,000
Utah, Utah 104 $ 31,526,000 $ 303,134 $ 109,000
Essex, New Jersey 103 $ 32,661,000 $ 317,097 $ 96,000
McHenry, Illinois 102 $ 23,402,000 $ 229,431 $ 79,000
Howard, Maryland 101 $ 28,247,000 $ 279,673 $ 92,000
San Bernardino, California 94 $ 26,148,000 $ 278,170 $ 88,000
Plymouth, Massachusetts 94 $ 23,283,000 $ 247,691 $ 78,000
New York, New York 94 $ 54,804,000 $ 583,021 $ 208,000
Baltimore City, Maryland 93 $ 15,038,000 $ 161,698 $ 75,000
Essex, Massachusetts 92 $ 23,210,000 $ 252,282 $ 59,000
Dakota, Minnesota 91 $ 13,724,000 $ 150,813 $ 16,000
Bronx, New York 91 $ 23,732,000 $ 260,791 $ 75,000
Johnson, Kansas 90 $ 12,213,000 $ 135,700 $ 49,000
Cape Girardeau, Missouri 88 $ 13,161,000 $ 149,556 $ 89,000
Jackson, Missouri 88 $ 9,233,000 $ 104,920 $ 32,000
Santa Fe, New Mexico 86 $ 30,123,000 $ 350,267 $ 155,000
Marion, Indiana 85 $ 8,513,000 $ 100,152 $ 18,000
Yolo, California 84 $ 26,290,000 $ 312,976 $ 113,000
Dallas, Iowa 84 $ 15,070,000 $ 179,404 $ 88,000
Pinellas, Florida 82 $ 17,205,000 $ 209,817 $ 61,000
Rockland, New York 82 $ 25,800,000 $ 314,634 $ 133,000
Union, New Jersey 79 $ 24,561,000 $ 310,898 $ 107,000
Routt, Colorado 76 $ 21,505,000 $ 282,960 $ 135,000
District of Columbia, District Of Columbia 76 $ 21,506,000 $ 282,973 $ 90,000
Morris, New Jersey 76 $ 24,426,000 $ 321,394 $ 127,000
Davis, Utah 75 $ 16,000,000 $ 213,333 $ 75,000
Nassau, Florida 74 $ 20,674,000 $ 279,378 $ 158,000
Suffolk, Massachusetts 73 $ 21,571,000 $ 295,493 $ 100,000
Clay, Missouri 73 $ 3,424,000 $ 46,904 $ 5,000
Loudoun, Virginia 73 $ 25,666,000 $ 351,589 $ 136,000
Lee, Florida 72 $ 18,300,000 $ 254,166 $ 66,000
Pinal, Arizona 71 $ 14,058,000 $ 198,000 $ 84,000
Anoka, Minnesota 70 $ 12,125,000 $ 173,214 $ 38,000
Jefferson, Missouri 70 $ 10,902,000 $ 155,742 $ 61,000
Rockingham, New Hampshire 70 $ 23,007,000 $ 328,671 $ 102,000
Franklin, Ohio 70 $ 12,285,000 $ 175,500 $ 49,000
Lincoln, South Dakota 70 $ 13,367,000 $ 190,957 $ 95,000
Knox, Tennessee 70 $ 15,605,000 $ 222,928 $ 116,000
Delaware, Pennsylvania 68 $ 14,280,000 $ 210,000 $ 103,000
Bristol, Massachusetts 67 $ 13,095,000 $ 195,447 $ 68,000
Solano, California 66 $ 18,559,000 $ 281,196 $ 87,000
Summit, Colorado 66 $ 19,033,000 $ 288,378 $ 157,000
Warren, Iowa 66 $ 10,443,000 $ 158,227 $ 81,000
Barnstable, Massachusetts 65 $ 18,841,000 $ 289,861 $ 89,000
Volusia, Florida 64 $ 13,232,000 $ 206,750 $ 62,000
Ramsey, Minnesota 64 $ 10,854,000 $ 169,593 $ 35,000
Iredell, North Carolina 63 $ 13,549,000 $ 215,063 $ 89,000
Hillsborough, New Hampshire 62 $ 13,440,000 $ 216,774 $ 66,000
Passaic, New Jersey 62 $ 17,797,000 $ 287,048 $ 84,000
Wake, North Carolina 61 $ 10,492,000 $ 172,000 $ 41,000
Broomfield, Colorado 59 $ 12,791,000 $ 216,796 $ 80,000
Burlington, New Jersey 59 $ 13,645,000 $ 231,271 $ 84,000
Prince William, Virginia 59 $ 16,255,000 $ 275,508 $ 85,000
Williamson, Texas 58 $ 6,733,000 $ 116,086 $ 67,000
Nevada, California 57 $ 21,455,000 $ 376,403 $ 140,000
Frederick, Maryland 57 $ 14,600,000 $ 256,140 $ 86,000
Dutchess, New York 57 $ 12,804,000 $ 224,631 $ 75,000
Mercer, New Jersey 56 $ 15,303,000 $ 273,267 $ 119,000
Lancaster, Nebraska 54 $ 2,280,000 $ 42,222 $ 17,000
Clay, Florida 53 $ 12,119,000 $ 228,660 $ 97,000
Cumberland, Maine 53 $ 13,538,000 $ 255,433 $ 83,000
Shelby, Tennessee 52 $ 8,079,000 $ 155,365 $ 30,000
Fort Bend, Texas 52 $ 5,413,000 $ 104,096 $ 34,000
Lake, Florida 51 $ 9,536,000 $ 186,980 $ 44,000
Carroll, Maryland 51 $ 13,375,000 $ 262,254 $ 83,000
St. Louis City, Missouri 51 $ 6,445,000 $ 126,372 $ 61,000
Pierce, Washington 51 $ 10,169,000 $ 199,392 $ 60,000
Greene, Missouri 50 $ 5,799,000 $ 115,980 $ 34,000
York, Pennsylvania 50 $ 9,038,000 $ 180,760 $ 51,000
Henry, Georgia 49 $ 6,950,000 $ 141,836 $ 26,000
Richmond, New York 49 $ 17,010,000 $ 347,142 $ 93,000
Butler, Ohio 49 $ 2,743,000 $ 55,979 $ 6,000
Cuyahoga, Ohio 49 $ 9,153,000 $ 186,795 $ 58,000
Codington, South Dakota 48 $ 6,292,000 $ 131,083 $ 62,000
Charles, Maryland 47 $ 11,149,000 $ 237,212 $ 83,000
Flathead, Montana 47 $ 12,349,000 $ 262,744 $ 131,000
Camden, New Jersey 47 $ 7,434,000 $ 158,170 $ 57,000
El Dorado, California 46 $ 17,922,000 $ 389,608 $ 154,000
Lake, Indiana 46 $ 7,009,000 $ 152,369 $ 54,000
Mohave, Arizona 45 $ 8,873,000 $ 197,177 $ 142,000
Polk, Florida 45 $ 8,583,000 $ 190,733 $ 31,000
Atlantic, New Jersey 45 $ 11,732,000 $ 260,711 $ 96,000
Litchfield, Connecticut 44 $ 10,589,000 $ 240,659 $ 83,000
Brevard, Florida 44 $ 7,655,000 $ 173,977 $ 54,000
Calvert, Maryland 44 $ 11,166,000 $ 253,772 $ 96,000
Macomb, Michigan 44 $ 4,486,000 $ 101,954 $ 24,000
Washington, Minnesota 44 $ 9,243,000 $ 210,068 $ 36,000
Yellowstone, Montana 44 $ 8,803,000 $ 200,068 $ 78,000
Sussex, New Jersey 43 $ 10,638,000 $ 247,395 $ 86,000
Allegheny, Pennsylvania 43 $ 5,991,000 $ 139,325 $ 69,000
Montgomery, Texas 43 $ 4,881,000 $ 113,511 $ 42,000
Fresno, California 42 $ 7,988,000 $ 190,190 $ 64,000
Stanislaus, California 42 $ 10,333,000 $ 246,023 $ 79,000
New Castle, Delaware 42 $ 8,779,000 $ 209,023 $ 76,000
Forsyth, Georgia 42 $ 12,181,000 $ 290,023 $ 98,000
New London, Connecticut 41 $ 9,287,000 $ 226,512 $ 65,000
Clayton, Georgia 41 $ 4,206,000 $ 102,585 $ 16,000
Jefferson, Alabama 40 $ 4,393,000 $ 109,825 $ 32,000
Cherokee, Georgia 40 $ 7,937,000 $ 198,425 $ 71,000
Osceola, Florida 39 $ 8,242,000 $ 211,333 $ 48,000
Pasco, Florida 39 $ 6,107,000 $ 156,589 $ 37,000
Madison, Iowa 39 $ 5,876,000 $ 150,666 $ 97,000
Merrimack, New Hampshire 39 $ 6,967,000 $ 178,641 $ 62,000
Ventura, California 38 $ 13,808,000 $ 363,368 $ 89,000
Harford, Maryland 38 $ 7,370,000 $ 193,947 $ 65,000
Monterey, California 37 $ 14,287,000 $ 386,135 $ 113,000
Linn, Iowa 37 $ 4,792,000 $ 129,513 $ 67,000
Sandoval, New Mexico 37 $ 5,833,000 $ 157,648 $ 77,000
Hamilton, Ohio 37 $ 5,446,000 $ 147,189 $ 15,000
Oklahoma, Oklahoma 37 $ 6,298,000 $ 170,216 $ 52,000
Clark, Washington 37 $ 6,928,000 $ 187,243 $ 84,000
Multnomah, Oregon 36 $ 7,810,000 $ 216,944 $ 68,000
Butler, Missouri 35 $ 4,196,000 $ 119,885 $ 73,000
Summit, Ohio 35 $ 5,075,000 $ 145,000 $ 70,000
Ellis, Texas 35 $ 6,430,000 $ 183,714 $ 102,000
Navajo, Arizona 34 $ 6,225,000 $ 183,088 $ 87,000
Grand, Colorado 34 $ 8,388,000 $ 246,705 $ 156,000
Kendall, Illinois 34 $ 7,134,000 $ 209,823 $ 110,000
Kent, Michigan 34 $ 4,986,000 $ 146,647 $ 47,000
Somerset, New Jersey 34 $ 10,288,000 $ 302,588 $ 115,000
Kent, Rhode Island 34 $ 7,860,000 $ 231,176 $ 83,000
Virginia Beach, Virginia 34 $ 5,866,000 $ 172,529 $ 34,000
Snohomish, Washington 34 $ 7,698,000 $ 226,411 $ 57,000
Moffat, Colorado 33 $ 5,946,000 $ 180,181 $ 95,000
Parker, Texas 33 $ 5,330,000 $ 161,515 $ 76,000
Arlington, Virginia 33 $ 13,432,000 $ 407,030 $ 110,000
Albany, Wyoming 33 $ 5,193,000 $ 157,363 $ 84,000
Kern, California 32 $ 5,838,000 $ 182,437 $ 124,000
Teller, Colorado 32 $ 5,735,000 $ 179,218 $ 65,000
Collier, Florida 32 $ 9,167,000 $ 286,468 $ 84,000
St. Clair, Illinois 32 $ 3,091,000 $ 96,593 $ 22,000
Scott, Missouri 32 $ 2,995,000 $ 93,593 $ 45,000
Tulsa, Oklahoma 32 $ 3,929,000 $ 122,781 $ 33,000
Coconino, Arizona 31 $ 10,371,000 $ 334,548 $ 183,000
Santa Cruz, California 31 $ 14,721,000 $ 474,870 $ 168,000
Hamilton, Indiana 31 $ 4,553,000 $ 146,870 $ 25,000
Camden, Missouri 31 $ 8,922,000 $ 287,806 $ 290,000
Milwaukee, Wisconsin 31 $ 3,824,000 $ 123,354 $ 35,000
Middlesex, Connecticut 30 $ 6,376,000 $ 212,533 $ 118,000
Tolland, Connecticut 30 $ 6,823,000 $ 227,433 $ 97,000
Ada, Idaho 30 $ 6,200,000 $ 206,666 $ 66,000
York, Maine 30 $ 8,164,000 $ 272,133 $ 111,000
Hampden, Massachusetts 30 $ 4,773,000 $ 159,100 $ 54,000
Cape May, New Jersey 30 $ 7,854,000 $ 261,800 $ 128,000
Ulster, New York 30 $ 7,114,000 $ 237,133 $ 97,000
Baldwin, Alabama 29 $ 7,564,000 $ 260,827 $ 111,000
Marin, California 29 $ 18,552,000 $ 639,724 $ 239,000
Washtenaw, Michigan 29 $ 5,036,000 $ 173,655 $ 17,000
Strafford, New Hampshire 29 $ 6,625,000 $ 228,448 $ 67,000
Chittenden, Vermont 29 $ 6,841,000 $ 235,896 $ 76,000
Alexandria, Virginia 29 $ 8,372,000 $ 288,689 $ 106,000
San Luis Obispo, California 28 $ 9,769,000 $ 348,892 $ 121,000
Sussex, Delaware 28 $ 6,479,000 $ 231,392 $ 98,000
Vanderburgh, Indiana 28 $ 2,619,000 $ 93,535 $ 50,000
Scott, Minnesota 28 $ 6,057,000 $ 216,321 $ 48,000
Erie, New York 28 $ 3,430,000 $ 122,500 $ 65,000
Washington, Oregon 28 $ 8,050,000 $ 287,500 $ 95,000
Washington, Rhode Island 28 $ 7,796,000 $ 278,428 $ 141,000
Weber, Utah 28 $ 6,470,000 $ 231,071 $ 60,000
Charlotte, Florida 27 $ 7,119,000 $ 263,666 $ 95,000
St. Lucie, Florida 27 $ 6,505,000 $ 240,925 $ 19,000
Honolulu, Hawaii 27 $ 9,143,000 $ 338,629 $ 100,000
Wright, Minnesota 27 $ 4,775,000 $ 176,851 $ 27,000
Gallatin, Montana 27 $ 6,054,000 $ 224,222 $ 100,000
Gloucester, New Jersey 27 $ 5,424,000 $ 200,888 $ 68,000
Henrico, Virginia 27 $ 6,306,000 $ 233,555 $ 35,000
Madison, Alabama 26 $ 1,530,000 $ 58,846 $ 4,000
Sonoma, California 26 $ 10,948,000 $ 421,076 $ 148,000
Eagle, Colorado 26 $ 13,700,000 $ 526,923 $ 185,000
Johnson, Iowa 26 $ 4,280,000 $ 164,615 $ 62,000
Sarpy, Nebraska 26 $ 4,755,000 $ 182,884 $ 97,000
Putnam, New York 26 $ 9,171,000 $ 352,730 $ 148,000
Cumberland, North Carolina 26 $ 1,321,000 $ 50,807 $ 10,000
Dauphin, Pennsylvania 26 $ 4,418,000 $ 169,923 $ 74,000
Sevier, Tennessee 26 $ 5,527,000 $ 212,576 $ 154,000
Marion, Florida 25 $ 3,618,000 $ 144,720 $ 44,000
Columbia, Georgia 25 $ 5,015,000 $ 200,600 $ 64,000
Story, Iowa 25 $ 3,168,000 $ 126,720 $ 69,000
Carver, Minnesota 25 $ 4,634,000 $ 185,360 $ 20,000
Union, North Carolina 25 $ 9,488,000 $ 379,520 $ 130,000
Chesterfield, Virginia 25 $ 5,194,000 $ 207,760 $ 50,000
Merced, California 24 $ 5,991,000 $ 249,625 $ 79,000
Chaffee, Colorado 24 $ 4,608,000 $ 192,000 $ 81,000
Sarasota, Florida 24 $ 7,351,000 $ 306,291 $ 233,000
Winnebago, Illinois 24 $ 2,899,000 $ 120,791 $ 65,000
Jefferson, Kentucky 24 $ 2,593,000 $ 108,041 $ 42,000
Pennington, South Dakota 24 $ 2,665,000 $ 111,041 $ 64,000
Galveston, Texas 24 $ 3,013,000 $ 125,541 $ 87,000
Butte, California 23 $ 5,634,000 $ 244,956 $ 60,000
Hernando, Florida 23 $ 3,377,000 $ 146,826 $ 13,000
Manatee, Florida 23 $ 6,531,000 $ 283,956 $ 147,000
Boone, Missouri 23 $ 2,785,000 $ 121,086 $ 39,000
Davidson, Tennessee 23 $ 3,599,000 $ 156,478 $ 88,000
Summit, Utah 23 $ 7,464,000 $ 324,521 $ 196,000
Kenosha, Wisconsin 23 $ 3,955,000 $ 171,956 $ 84,000
Fayette, Georgia 22 $ 5,132,000 $ 233,272 $ 42,000
Washington, Maryland 22 $ 5,117,000 $ 232,590 $ 69,000
Platte, Missouri 22 $ 4,517,000 $ 205,318 $ 13,000
Catawba, North Carolina 22 $ 4,708,000 $ 214,000 $ 93,000
Northampton, Pennsylvania 22 $ 4,642,000 $ 211,000 $ 92,000
Beaufort, South Carolina 22 $ 5,620,000 $ 255,454 $ 69,000
Fremont, Wyoming 22 $ 3,979,000 $ 180,863 $ 93,000
Laramie, Wyoming 22 $ 4,051,000 $ 184,136 $ 90,000
Mobile, Alabama 21 $ 1,476,000 $ 70,285 $ 28,000
Shelby, Alabama 21 $ 1,724,000 $ 82,095 $ 30,000
Garfield, Colorado 21 $ 5,239,000 $ 249,476 $ 93,000
Mesa, Colorado 21 $ 4,533,000 $ 215,857 $ 80,000
Windham, Connecticut 21 $ 4,600,000 $ 219,047 $ 82,000
Martin, Florida 21 $ 4,362,000 $ 207,714 $ 67,000
Madison, Illinois 21 $ 1,923,000 $ 91,571 $ 41,000
Cerro Gordo, Iowa 21 $ 2,302,000 $ 109,619 $ 77,000
Sedgwick, Kansas 21 $ 2,036,000 $ 96,952 $ 56,000
Guilford, North Carolina 21 $ 3,792,000 $ 180,571 $ 45,000
Lancaster, Pennsylvania 21 $ 2,683,000 $ 127,761 $ 46,000
Charleston, South Carolina 21 $ 5,414,000 $ 257,809 $ 80,000
Richmond City, Virginia 21 $ 3,523,000 $ 167,761 $ 99,000
Flagler, Florida 20 $ 3,735,000 $ 186,750 $ 42,000
Indian River, Florida 20 $ 3,231,000 $ 161,550 $ 65,000
Paulding, Georgia 20 $ 2,696,000 $ 134,800 $ 44,000
Douglas, Kansas 20 $ 837,000 $ 41,850 $ 4,000
East Baton Rouge, Louisiana 20 $ 1,907,000 $ 95,350 $ 34,000
Hill, Montana 20 $ 2,645,000 $ 132,250 $ 69,000
Onondaga, New York 20 $ 1,805,000 $ 90,250 $ 48,000
Cabarrus, North Carolina 20 $ 3,014,000 $ 150,700 $ 77,000
Montgomery, Ohio 20 $ 2,390,000 $ 119,500 $ 18,000
Stark, Ohio 20 $ 3,686,000 $ 184,300 $ 46,000
Yuma, Arizona 19 $ 3,154,000 $ 166,000 $ 68,000
Marshall, Iowa 19 $ 1,806,000 $ 95,052 $ 53,000
Gaston, North Carolina 19 $ 2,267,000 $ 119,315 $ 47,000
Berks, Pennsylvania 19 $ 3,022,000 $ 159,052 $ 70,000
Monroe, Pennsylvania 19 $ 3,432,000 $ 180,631 $ 95,000
Brazoria, Texas 19 $ 1,151,000 $ 60,578 $ 34,000
Nueces, Texas 19 $ 2,370,000 $ 124,736 $ 70,000
Tooele, Utah 19 $ 3,590,000 $ 188,947 $ 65,000
Lee, Alabama 18 $ 2,053,000 $ 114,055 $ 20,000
Gila, Arizona 18 $ 4,353,000 $ 241,833 $ 111,000
Pueblo, Colorado 18 $ 2,534,000 $ 140,777 $ 59,000
DeKalb, Illinois 18 $ 3,220,000 $ 178,888 $ 70,000
St. Tammany, Louisiana 18 $ 3,876,000 $ 215,333 $ 74,000
St. Mary's, Maryland 18 $ 4,583,000 $ 254,611 $ 102,000
Christian, Missouri 18 $ 1,725,000 $ 95,833 $ 29,000
Washoe, Nevada 18 $ 5,410,000 $ 300,555 $ 97,000
Durham, North Carolina 18 $ 1,685,000 $ 93,611 $ 46,000
Clackamas, Oregon 18 $ 5,152,000 $ 286,222 $ 104,000
Horry, South Carolina 18 $ 3,888,000 $ 216,000 $ 76,000
Spokane, Washington 18 $ 5,571,000 $ 309,500 $ 29,000
La Plata, Colorado 17 $ 4,691,000 $ 275,941 $ 85,000
Alachua, Florida 17 $ 1,828,000 $ 107,529 $ 11,000
Newton, Georgia 17 $ 1,978,000 $ 116,352 $ 15,000
Scott, Iowa 17 $ 1,678,000 $ 98,705 $ 51,000
Lehigh, Pennsylvania 17 $ 4,148,000 $ 244,000 $ 89,000
Newport, Rhode Island 17 $ 4,867,000 $ 286,294 $ 88,000
Greenville, South Carolina 17 $ 2,292,000 $ 134,823 $ 38,000
Park, Colorado 16 $ 3,094,000 $ 193,375 $ 84,000
Carroll, Georgia 16 $ 1,500,000 $ 93,750 $ 8,000
Jasper, Iowa 16 $ 2,127,000 $ 132,937 $ 73,000
Pottawattamie, Iowa 16 $ 2,154,000 $ 134,625 $ 70,000
Sherburne, Minnesota 16 $ 2,640,000 $ 165,000 $ 38,000
St. Louis, Minnesota 16 $ 1,606,000 $ 100,375 $ 31,000
Panola, Mississippi 16 $ 2,274,000 $ 142,125 $ 65,000
Franklin, Missouri 16 $ 1,954,000 $ 122,125 $ 40,000
Nodaway, Missouri 16 $ 2,071,000 $ 129,437 $ 62,000
Lackawanna, Pennsylvania 16 $ 1,773,000 $ 110,812 $ 46,000
Pike, Pennsylvania 16 $ 3,059,000 $ 191,187 $ 91,000
Aiken, South Carolina 16 $ 2,875,000 $ 179,687 $ 55,000
Sweetwater, Wyoming 16 $ 2,762,000 $ 172,625 $ 290,000
Okaloosa, Florida 15 $ 3,361,000 $ 224,066 $ 80,000
Glynn, Georgia 15 $ 2,796,000 $ 186,400 $ 108,000
Rockdale, Georgia 15 $ 1,866,000 $ 124,400 $ 39,000
Delaware, Indiana 15 $ 1,039,000 $ 69,266 $ 38,000
Worcester, Maryland 15 $ 3,187,000 $ 212,466 $ 211,000
Harrison, Mississippi 15 $ 2,016,000 $ 134,400 $ 89,000
Hunterdon, New Jersey 15 $ 4,494,000 $ 299,600 $ 97,000
Monroe, New York 15 $ 1,189,000 $ 79,266 $ 25,000
Buncombe, North Carolina 15 $ 2,398,000 $ 159,866 $ 35,000
Delaware, Ohio 15 $ 3,844,000 $ 256,266 $ 75,000
Lucas, Ohio 15 $ 1,609,000 $ 107,266 $ 51,000
Blount, Tennessee 15 $ 4,004,000 $ 266,933 $ 79,000
Hamilton, Tennessee 15 $ 1,817,000 $ 121,133 $ 42,000
Montgomery, Alabama 14 $ 952,000 $ 68,000 $ 13,000
Anchorage, Alaska 14 $ 2,733,000 $ 195,214 $ 55,000
Sutter, California 14 $ 3,384,000 $ 241,714 $ 78,000
Tulare, California 14 $ 2,429,000 $ 173,500 $ 60,000
St. Joseph, Indiana 14 $ 1,125,000 $ 80,357 $ 48,000
Boone, Iowa 14 $ 1,851,000 $ 132,214 $ 84,000
Silver Bow, Montana 14 $ 2,800,000 $ 200,000 $ 136,000
Grafton, New Hampshire 14 $ 3,820,000 $ 272,857 $ 160,000
Cumberland, Pennsylvania 14 $ 1,776,000 $ 126,857 $ 96,000
Hidalgo, Texas 14 $ 3,255,000 $ 232,500 $ 59,000
Rockwall, Texas 14 $ 2,153,000 $ 153,785 $ 78,000
Stafford, Virginia 14 $ 4,468,000 $ 319,142 $ 93,000
Pulaski, Arkansas 13 $ 1,008,000 $ 77,538 $ 69,000
Yuba, California 13 $ 2,624,000 $ 201,846 $ 56,000
Clear Creek, Colorado 13 $ 2,503,000 $ 192,538 $ 66,000
Citrus, Florida 13 $ 2,508,000 $ 192,923 $ 62,000
Escambia, Florida 13 $ 2,703,000 $ 207,923 $ 104,000
Santa Rosa, Florida 13 $ 2,140,000 $ 164,615 $ 78,000
Hall, Georgia 13 $ 3,449,000 $ 265,307 $ 57,000
Canyon, Idaho 13 $ 2,747,000 $ 211,307 $ 71,000
Des Moines, Iowa 13 $ 1,490,000 $ 114,615 $ 55,000
Jefferson, Iowa 13 $ 1,555,000 $ 119,615 $ 71,000
Marion, Iowa 13 $ 1,492,000 $ 114,769 $ 56,000
Caddo, Louisiana 13 $ 737,000 $ 56,692 $ 9,000
Lafayette, Louisiana 13 $ 1,466,000 $ 112,769 $ 72,000
Livingston, Michigan 13 $ 1,580,000 $ 121,538 $ 22,000
Warren, New Jersey 13 $ 3,081,000 $ 237,000 $ 82,000
Sullivan, New York 13 $ 2,351,000 $ 180,846 $ 103,000
Rowan, North Carolina 13 $ 2,165,000 $ 166,538 $ 70,000
Lorain, Ohio 13 $ 1,404,000 $ 108,000 $ 8,000
Franklin, Pennsylvania 13 $ 2,045,000 $ 157,307 $ 65,000
Westmoreland, Pennsylvania 13 $ 1,212,000 $ 93,230 $ 15,000
Richland, South Carolina 13 $ 1,738,000 $ 133,692 $ 17,000
Rutherford, Tennessee 13 $ 2,473,000 $ 190,230 $ 165,000
Norfolk, Virginia 13 $ 2,390,000 $ 183,846 $ 32,000
Warren, Virginia 13 $ 2,522,000 $ 194,000 $ 64,000
Cochise, Arizona 12 $ 1,188,000 $ 99,000 $ 78,000
Coweta, Georgia 12 $ 1,462,000 $ 121,833 $ 29,000
Douglas, Georgia 12 $ 1,383,000 $ 115,250 $ 27,000
Richmond, Georgia 12 $ 1,293,000 $ 107,750 $ 41,000
Allen, Indiana 12 $ 988,000 $ 82,333 $ 34,000
Monroe, Indiana 12 $ 1,299,000 $ 108,250 $ 56,000
Lucas, Iowa 12 $ 1,151,000 $ 95,916 $ 54,000
Wyandotte, Kansas 12 $ 6,080,000 $ 506,666 $ 67,000
Cecil, Maryland 12 $ 2,835,000 $ 236,250 $ 84,000
Queen Anne's, Maryland 12 $ 3,555,000 $ 296,250 $ 130,000
Ottawa, Michigan 12 $ 1,739,000 $ 144,916 $ 17,000
Jasper, Missouri 12 $ 611,000 $ 50,916 $ 21,000
Stone, Missouri 12 $ 1,269,000 $ 105,750 $ 23,000
Forsyth, North Carolina 12 $ 2,776,000 $ 231,333 $ 49,000
Cleveland, Oklahoma 12 $ 1,493,000 $ 124,416 $ 62,000
Lane, Oregon 12 $ 2,332,000 $ 194,333 $ 74,000
Davison, South Dakota 12 $ 1,814,000 $ 151,166 $ 81,000
Dickson, Tennessee 12 $ 967,000 $ 80,583 $ 15,000
Johnson, Texas 12 $ 1,304,000 $ 108,666 $ 66,000
Washington, Utah 12 $ 2,835,000 $ 236,250 $ 133,000
Newport News, Virginia 12 $ 1,563,000 $ 130,250 $ 42,000
Waukesha, Wisconsin 12 $ 3,395,000 $ 282,916 $ 16,000
Apache, Arizona 11 $ 2,034,000 $ 184,909 $ 124,000
Santa Barbara, California 11 $ 13,536,000 $ 1,230,545 $ 147,000
Elbert, Colorado 11 $ 3,503,000 $ 318,454 $ 142,000
Sumter, Florida 11 $ 1,449,000 $ 131,727 $ 44,000
Barrow, Georgia 11 $ 1,017,000 $ 92,454 $ 55,000
Clarke, Georgia 11 $ 1,471,000 $ 133,727 $ 99,000
Jackson, Georgia 11 $ 1,622,000 $ 147,454 $ 82,000
Muscogee, Georgia 11 $ 1,826,000 $ 166,000 $ 39,000
Kankakee, Illinois 11 $ 1,757,000 $ 159,727 $ 68,000
Hendricks, Indiana 11 $ 1,334,000 $ 121,272 $ 25,000
Porter, Indiana 11 $ 1,611,000 $ 146,454 $ 36,000
Black Hawk, Iowa 11 $ 965,000 $ 87,727 $ 35,000
Fayette, Kentucky 11 $ 1,042,000 $ 94,727 $ 22,000
Genesee, Michigan 11 $ 1,322,000 $ 120,181 $ 28,000
Chisago, Minnesota 11 $ 1,776,000 $ 161,454 $ 36,000
Hinds, Mississippi 11 $ 655,000 $ 59,545 $ 15,000
Adair, Missouri 11 $ 278,000 $ 25,272 $ 1,000
Taney, Missouri 11 $ 712,000 $ 64,727 $ 59,000
Daniels, Montana 11 $ 1,399,000 $ 127,181 $ 76,000
Brunswick, North Carolina 11 $ 2,873,000 $ 261,181 $ 38,000
New Hanover, North Carolina 11 $ 1,885,000 $ 171,363 $ 45,000
Orange, North Carolina 11 $ 3,108,000 $ 282,545 $ 42,000
Turner, South Dakota 11 $ 1,815,000 $ 165,000 $ 81,000
Yankton, South Dakota 11 $ 1,631,000 $ 148,272 $ 62,000
Sumner, Tennessee 11 $ 2,064,000 $ 187,636 $ 154,000
Williamson, Tennessee 11 $ 2,445,000 $ 222,272 $ 61,000
El Paso, Texas 11 $ 1,238,000 $ 112,545 $ 44,000
San Benito, California 10 $ 3,513,000 $ 351,300 $ 132,000
Tuolumne, California 10 $ 2,368,000 $ 236,800 $ 177,000
Archuleta, Colorado 10 $ 2,669,000 $ 266,900 $ 102,000
Gilpin, Colorado 10 $ 2,574,000 $ 257,400 $ 123,000
Gunnison, Colorado 10 $ 2,954,000 $ 295,400 $ 128,000
Camden, Georgia 10 $ 1,153,000 $ 115,300 $ 51,000
Chatham, Georgia 10 $ 2,417,000 $ 241,700 $ 143,000
Walton, Georgia 10 $ 2,106,000 $ 210,600 $ 108,000
Grundy, Illinois 10 $ 1,826,000 $ 182,600 $ 88,000
Woodford, Illinois 10 $ 749,000 $ 74,900 $ 46,000
Guthrie, Iowa 10 $ 2,130,000 $ 213,000 $ 127,000
Shawnee, Kansas 10 $ 381,000 $ 38,100 $ 13,000
Kenton, Kentucky 10 $ 1,139,000 $ 113,900 $ 42,000
Calcasieu, Louisiana 10 $ 372,000 $ 37,200 $ 9,000
Jefferson, Louisiana 10 $ 1,106,000 $ 110,600 $ 25,000
Ingham, Michigan 10 $ 1,099,000 $ 109,900 $ 45,000
Isanti, Minnesota 10 $ 1,118,000 $ 111,800 $ 41,000
Missoula, Montana 10 $ 1,624,000 $ 162,400 $ 79,000
Dona Ana, New Mexico 10 $ 2,475,000 $ 247,500 $ 110,000
Mahoning, Ohio 10 $ 959,000 $ 95,900 $ 1,000
Luzerne, Pennsylvania 10 $ 1,372,000 $ 137,200 $ 69,000
Lubbock, Texas 10 $ 1,051,000 $ 105,100 $ 28,000
Frederick, Virginia 10 $ 1,868,000 $ 186,800 $ 44,000
Hampton, Virginia 10 $ 1,036,000 $ 103,600 $ 54,000
Hanover, Virginia 10 $ 2,159,000 $ 215,900 $ 34,000
Spotsylvania, Virginia 10 $ 2,647,000 $ 264,700 $ 109,000
Dane, Wisconsin 10 $ 2,000,000 $ 200,000 $ 42,000
Napa, California 9 $ 3,986,000 $ 442,888 $ 120,000
Bonneville, Idaho 9 $ 1,077,000 $ 119,666 $ 54,000
LaSalle, Illinois 9 $ 1,247,000 $ 138,555 $ 52,000
Johnson, Indiana 9 $ 1,059,000 $ 117,666 $ 30,000
Adair, Iowa 9 $ 1,053,000 $ 117,000 $ 88,000
Mahaska, Iowa 9 $ 926,000 $ 102,888 $ 49,000
Wapello, Iowa 9 $ 512,000 $ 56,888 $ 39,000
Boone, Kentucky 9 $ 732,000 $ 81,333 $ 29,000
Orleans, Louisiana 9 $ 1,343,000 $ 149,222 $ 34,000
Garrett, Maryland 9 $ 3,138,000 $ 348,666 $ 252,000
Allegan, Michigan 9 $ 1,342,000 $ 149,111 $ 19,000
Kandiyohi, Minnesota 9 $ 1,160,000 $ 128,888 $ 38,000
Nicollet, Minnesota 9 $ 1,602,000 $ 178,000 $ 89,000
Olmsted, Minnesota 9 $ 915,000 $ 101,666 $ 41,000
Stearns, Minnesota 9 $ 921,000 $ 102,333 $ 25,000
Steele, Minnesota 9 $ 752,000 $ 83,555 $ 35,000
Rankin, Mississippi 9 $ 812,000 $ 90,222 $ 45,000
St. Francois, Missouri 9 $ 444,000 $ 49,333 $ 34,000
Saunders, Nebraska 9 $ 1,670,000 $ 185,555 $ 135,000
Cheshire, New Hampshire 9 $ 1,751,000 $ 194,555 $ 122,000
Pitt, North Carolina 9 $ 2,943,000 $ 327,000 $ 36,000
Deschutes, Oregon 9 $ 2,029,000 $ 225,444 $ 83,000
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Mortgage Loan Application Detail Totals for Everbank in 2007

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 18,772 $4,646,698,000 $247,000 $8,760,000 $83,000 $2,927,000
Home Purchase 16,568 $3,674,962,000 $221,000 $8,800,000 $87,000 $4,992,000
Home Improvement 199 $50,323,000 $252,000 $1,000,000 $92,000 $899,000

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 19,833 $5,104,464,000 $257,000 $3,780,000 $113,000 $4,494,000
Not applicable 7,870 $1,134,973,000 $144,000 $8,800,000 $0 $33,000
Not Provided 2,526 $683,667,000 $270,000 $2,000,000 $104,000 $1,876,000
Hispanic 2,283 $565,674,000 $247,000 $2,174,000 $83,000 $2,400,000
Black or African American 1,434 $313,676,000 $218,000 $1,980,000 $81,000 $4,992,000
Asian 1,376 $515,714,000 $374,000 $2,494,000 $134,000 $1,852,000
Native Hawaiian or Other Pacific Islander 121 $33,472,000 $276,000 $1,260,000 $105,000 $540,000
American Indian or Alaskan Native 96 $20,343,000 $211,000 $1,000,000 $68,000 $309,000

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) 33,043 $8,018,718,000 $242,000 $8,800,000 $89,000 $4,992,000
FHA-insured (Federal Housing Administration) 2,177 $322,149,000 $147,000 $5,998,000 $22,000 $354,000
VA-guaranteed (Veterans Administration) 319 $31,116,000 $97,000 $417,000 $20,000 $228,000
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 15,962 $4,240,475,000 $265,000 $3,250,000 $111,000 $3,500,000
Loan Purchased By The Institution 12,425 $1,927,523,000 $155,000 $8,800,000 $29,000 $1,089,000
Application Denied By Financial Institution 3,641 $1,159,962,000 $318,000 $8,760,000 $124,000 $4,992,000
Application Approved But Not Accepted 2,698 $805,263,000 $298,000 $3,780,000 $123,000 $4,494,000
Application Withdrawn By Applicant 664 $198,058,000 $298,000 $5,250,000 $127,000 $2,088,000
File Closed For Incompleteness 149 $40,702,000 $273,000 $1,000,000 $121,000 $696,000
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
Collateral 1,010 $328,435,000 $325,000 $8,760,000 $135,000 $1,556,000
Other 942 $333,695,000 $354,000 $6,000,000 $153,000 $1,337,000
Debt-To-Income Ratio 656 $213,330,000 $325,000 $2,000,000 $93,000 $1,345,000
Credit History 650 $163,631,000 $251,000 $1,950,000 $99,000 $4,992,000
Unverifiable Information 154 $51,599,000 $335,000 $1,500,000 $128,000 $1,550,000
Insufficient Cash (Downpayment, Closing Cost) 104 $33,680,000 $323,000 $1,440,000 $129,000 $1,114,000
Employment History 93 $25,481,000 $273,000 $961,000 $92,000 $285,000
Credit Application Incomplete 31 $9,843,000 $317,000 $1,112,000 $102,000 $333,000
Mortgage Insurance Denied 1 $268,000 $268,000 $268,000 $69,000 $69,000

Our comprehensive HMDA mortgage statistics provide invaluable insights into Everbank's 2007 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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