Everbank Mortgage Lending & HMDA Data, 2008

In 2008, Everbank of Jacksonville, FL reported 33,749 mortgage applications totaling $8.1 billion, down 5% from 2007. The average application was for $240,495, and applicants reported an average income of $84,509. 49% of its applications resulted in an originated loan and 27% were denied. Its largest markets were Chicago-Naperville-Joliet, IL (1,590), Denver-Aurora, CO (1,363) and Atlanta-Sandy Springs-Marietta, GA (1,122) (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 33,749
Total Mortgage Loan Application Amount $8,116,481,000
Average Mortgage Loan Application Amount $240,495
Highest Mortgage Loan Application Amount $5,100,000
Average Applicant Income $84,509
Highest Applicant Income $9,816,000

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Disclosure Act (HMDA) records Everbank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2008

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Cook, Illinois 971 $ 281,104,000 $ 289,499 $ 109,000
Duval, Florida 766 $ 90,027,000 $ 117,528 $ 49,000
Polk, Iowa 518 $ 83,687,000 $ 161,557 $ 68,000
King, Washington 513 $ 185,826,000 $ 362,233 $ 117,000
Maricopa, Arizona 511 $ 121,371,000 $ 237,516 $ 84,000
Los Angeles, California 415 $ 154,135,000 $ 371,409 $ 105,000
Sacramento, California 399 $ 91,039,000 $ 228,167 $ 96,000
Santa Clara, California 394 $ 203,260,000 $ 515,888 $ 164,000
Dallas, Texas 385 $ 95,610,000 $ 248,337 $ 120,000
Denver, Colorado 345 $ 73,339,000 $ 212,576 $ 89,000
Hartford, Connecticut 344 $ 77,410,000 $ 225,029 $ 85,000
Fairfield, Connecticut 336 $ 116,970,000 $ 348,125 $ 113,000
Jefferson, Colorado 325 $ 72,966,000 $ 224,510 $ 79,000
Harris, Texas 285 $ 55,486,000 $ 194,687 $ 82,000
Honolulu, Hawaii 267 $ 104,602,000 $ 391,767 $ 98,000
Arapahoe, Colorado 266 $ 55,768,000 $ 209,654 $ 76,000
Weld, Colorado 264 $ 54,629,000 $ 206,928 $ 81,000
New Haven, Connecticut 263 $ 60,526,000 $ 230,136 $ 86,000
Alameda, California 250 $ 107,909,000 $ 431,636 $ 137,000
Fulton, Georgia 248 $ 69,542,000 $ 280,411 $ 104,000
Travis, Texas 244 $ 88,812,000 $ 363,983 $ 189,000
Tarrant, Texas 233 $ 48,522,000 $ 208,248 $ 96,000
Adams, Colorado 227 $ 38,901,000 $ 171,370 $ 61,000
Collin, Texas 221 $ 52,182,000 $ 236,117 $ 111,000
Chester, Pennsylvania 209 $ 57,983,000 $ 277,430 $ 105,000
Suffolk, New York 207 $ 69,875,000 $ 337,560 $ 97,000
Will, Illinois 205 $ 47,169,000 $ 230,092 $ 86,000
Contra Costa, California 202 $ 80,198,000 $ 397,019 $ 141,000
Denton, Texas 199 $ 45,494,000 $ 228,613 $ 125,000
Boulder, Colorado 198 $ 54,918,000 $ 277,363 $ 98,000
Bexar, Texas 194 $ 25,422,000 $ 131,041 $ 62,000
Philadelphia, Pennsylvania 188 $ 35,175,000 $ 187,101 $ 76,000
Salt Lake, Utah 188 $ 47,534,000 $ 252,840 $ 82,000
Hamilton, Tennessee 185 $ 29,165,000 $ 157,648 $ 66,000
Orange, California 179 $ 71,053,000 $ 396,944 $ 132,000
Bucks, Pennsylvania 178 $ 46,009,000 $ 258,477 $ 90,000
Montgomery, Maryland 176 $ 61,226,000 $ 347,875 $ 103,000
Pima, Arizona 175 $ 33,478,000 $ 191,302 $ 79,000
Monmouth, New Jersey 175 $ 56,913,000 $ 325,217 $ 103,000
Montgomery, Pennsylvania 175 $ 42,914,000 $ 245,222 $ 97,000
Miami-Dade, Florida 169 $ 39,722,000 $ 235,041 $ 85,000
DuPage, Illinois 168 $ 52,101,000 $ 310,125 $ 114,000
Nassau, New York 166 $ 61,372,000 $ 369,710 $ 97,000
Fairfax, Virginia 166 $ 52,453,000 $ 315,981 $ 112,000
Broward, Florida 165 $ 39,809,000 $ 241,266 $ 81,000
Lake, Illinois 162 $ 48,459,000 $ 299,129 $ 111,000
San Diego, California 151 $ 60,839,000 $ 402,907 $ 121,000
Kings, New York 151 $ 58,006,000 $ 384,145 $ 113,000
Gwinnett, Georgia 149 $ 30,331,000 $ 203,563 $ 67,000
Westchester, New York 148 $ 66,505,000 $ 449,358 $ 143,000
DeKalb, Georgia 147 $ 26,165,000 $ 177,993 $ 56,000
Clark, Nevada 147 $ 39,737,000 $ 270,319 $ 115,000
Douglas, Colorado 146 $ 40,299,000 $ 276,020 $ 93,000
Queens, New York 145 $ 48,345,000 $ 333,413 $ 94,000
Pierce, Washington 145 $ 36,347,000 $ 250,668 $ 77,000
Shelby, Tennessee 143 $ 10,785,000 $ 75,419 $ 10,000
Mecklenburg, North Carolina 141 $ 36,058,000 $ 255,730 $ 114,000
Snohomish, Washington 138 $ 43,018,000 $ 311,724 $ 93,000
El Paso, Colorado 137 $ 32,429,000 $ 236,708 $ 80,000
Riverside, California 136 $ 35,776,000 $ 263,058 $ 114,000
San Mateo, California 136 $ 68,967,000 $ 507,110 $ 174,000
Palm Beach, Florida 134 $ 34,655,000 $ 258,619 $ 91,000
Douglas, Nebraska 133 $ 23,944,000 $ 180,030 $ 116,000
Yolo, California 132 $ 35,798,000 $ 271,196 $ 115,000
Bernalillo, New Mexico 131 $ 24,947,000 $ 190,435 $ 63,000
Baltimore, Maryland 130 $ 35,066,000 $ 269,738 $ 85,000
Prince George's, Maryland 129 $ 34,438,000 $ 266,961 $ 72,000
Wayne, Michigan 121 $ 14,965,000 $ 123,677 $ 20,000
Larimer, Colorado 120 $ 26,032,000 $ 216,933 $ 91,000
Oklahoma, Oklahoma 119 $ 19,608,000 $ 164,773 $ 90,000
Placer, California 118 $ 36,827,000 $ 312,093 $ 154,000
Hennepin, Minnesota 118 $ 26,805,000 $ 227,161 $ 49,000
Cobb, Georgia 117 $ 27,147,000 $ 232,025 $ 70,000
Middlesex, New Jersey 114 $ 32,539,000 $ 285,429 $ 87,000
Delaware, Pennsylvania 114 $ 24,243,000 $ 212,657 $ 85,000
Cumberland, Maine 112 $ 25,256,000 $ 225,500 $ 120,000
Yellowstone, Montana 110 $ 21,341,000 $ 194,009 $ 80,000
Hillsborough, Florida 109 $ 21,751,000 $ 199,550 $ 78,000
Kane, Illinois 107 $ 25,849,000 $ 241,579 $ 86,000
Ocean, New Jersey 107 $ 27,434,000 $ 256,392 $ 116,000
Yavapai, Arizona 106 $ 24,880,000 $ 234,716 $ 82,000
San Bernardino, California 105 $ 24,943,000 $ 237,552 $ 93,000
St. Louis, Missouri 105 $ 15,702,000 $ 149,542 $ 55,000
San Francisco, California 104 $ 54,487,000 $ 523,913 $ 151,000
Middlesex, Massachusetts 100 $ 32,514,000 $ 325,140 $ 83,000
Bergen, New Jersey 96 $ 38,247,000 $ 398,406 $ 100,000
Hawaii, Hawaii 95 $ 30,077,000 $ 316,600 $ 97,000
District of Columbia, District Of Columbia 94 $ 28,206,000 $ 300,063 $ 95,000
Utah, Utah 94 $ 25,214,000 $ 268,234 $ 83,000
Multnomah, Oregon 92 $ 27,003,000 $ 293,510 $ 86,000
Franklin, Ohio 91 $ 11,425,000 $ 125,549 $ 33,000
New York, New York 90 $ 63,195,000 $ 702,166 $ 183,000
McHenry, Illinois 88 $ 21,008,000 $ 238,727 $ 89,000
Spokane, Washington 86 $ 17,346,000 $ 201,697 $ 57,000
Monterey, California 85 $ 26,094,000 $ 306,988 $ 124,000
Anne Arundel, Maryland 85 $ 28,719,000 $ 337,870 $ 106,000
Essex, New Jersey 84 $ 26,051,000 $ 310,130 $ 95,000
Rockland, New York 83 $ 27,349,000 $ 329,506 $ 128,000
York, Pennsylvania 82 $ 15,979,000 $ 194,865 $ 60,000
Jackson, Missouri 81 $ 8,258,000 $ 101,950 $ 37,000
Burlington, New Jersey 81 $ 18,776,000 $ 231,802 $ 79,000
San Joaquin, California 79 $ 16,732,000 $ 211,797 $ 83,000
Dallas, Iowa 78 $ 14,726,000 $ 188,794 $ 73,000
Washington, Oregon 78 $ 23,623,000 $ 302,858 $ 86,000
Clark, Washington 78 $ 19,141,000 $ 245,397 $ 73,000
Orange, Florida 77 $ 22,351,000 $ 290,272 $ 81,000
Worcester, Massachusetts 77 $ 16,642,000 $ 216,129 $ 96,000
Solano, California 76 $ 16,139,000 $ 212,355 $ 75,000
Middlesex, Connecticut 76 $ 19,715,000 $ 259,407 $ 96,000
Lake, Indiana 75 $ 10,059,000 $ 134,120 $ 41,000
Jefferson, Alabama 73 $ 6,967,000 $ 95,438 $ 16,000
Tulsa, Oklahoma 73 $ 10,932,000 $ 149,753 $ 64,000
Marion, Indiana 72 $ 8,865,000 $ 123,125 $ 10,000
Santa Fe, New Mexico 72 $ 29,287,000 $ 406,763 $ 129,000
Minnehaha, South Dakota 71 $ 11,506,000 $ 162,056 $ 64,000
Chittenden, Vermont 71 $ 19,312,000 $ 272,000 $ 142,000
Oakland, Michigan 70 $ 19,041,000 $ 272,014 $ 100,000
Orange, New York 69 $ 17,438,000 $ 252,724 $ 100,000
Cape Girardeau, Missouri 68 $ 10,979,000 $ 161,455 $ 90,000
New London, Connecticut 67 $ 14,792,000 $ 220,776 $ 80,000
Cuyahoga, Ohio 67 $ 9,709,000 $ 144,910 $ 39,000
Fort Bend, Texas 67 $ 15,319,000 $ 228,641 $ 84,000
Williamson, Texas 67 $ 11,428,000 $ 170,567 $ 91,000
Clay, Florida 66 $ 12,470,000 $ 188,939 $ 73,000
Pinellas, Florida 66 $ 10,998,000 $ 166,636 $ 60,000
Clayton, Georgia 66 $ 8,385,000 $ 127,045 $ 8,000
Lee, Florida 65 $ 16,494,000 $ 253,753 $ 98,000
St. Johns, Florida 65 $ 21,182,000 $ 325,876 $ 113,000
Camden, New Jersey 65 $ 12,769,000 $ 196,446 $ 59,000
Richmond, New York 65 $ 19,914,000 $ 306,369 $ 106,000
Providence, Rhode Island 65 $ 13,544,000 $ 208,369 $ 61,000
Knox, Tennessee 65 $ 12,714,000 $ 195,600 $ 73,000
Chesterfield, Virginia 65 $ 13,502,000 $ 207,723 $ 125,000
Prince William, Virginia 65 $ 16,650,000 $ 256,153 $ 88,000
Nevada, California 62 $ 18,443,000 $ 297,467 $ 102,000
New Castle, Delaware 62 $ 12,097,000 $ 195,112 $ 76,000
Baltimore City, Maryland 61 $ 10,900,000 $ 178,688 $ 75,000
Litchfield, Connecticut 59 $ 13,660,000 $ 231,525 $ 84,000
Henrico, Virginia 59 $ 11,983,000 $ 203,101 $ 90,000
Pinal, Arizona 58 $ 8,365,000 $ 144,224 $ 58,000
Morris, New Jersey 58 $ 19,334,000 $ 333,344 $ 84,000
Cherokee, Georgia 57 $ 14,750,000 $ 258,771 $ 73,000
Rockingham, New Hampshire 57 $ 13,181,000 $ 231,245 $ 99,000
Santa Cruz, California 56 $ 22,245,000 $ 397,232 $ 194,000
Hillsborough, New Hampshire 56 $ 11,814,000 $ 210,964 $ 81,000
Maui, Hawaii 55 $ 23,175,000 $ 421,363 $ 124,000
Johnson, Kansas 55 $ 14,755,000 $ 268,272 $ 58,000
Norfolk, Massachusetts 55 $ 14,727,000 $ 267,763 $ 85,000
Davidson, Tennessee 55 $ 7,759,000 $ 141,072 $ 22,000
Essex, Massachusetts 54 $ 18,647,000 $ 345,314 $ 73,000
Union, New Jersey 54 $ 23,119,000 $ 428,129 $ 86,000
Iredell, North Carolina 54 $ 16,706,000 $ 309,370 $ 119,000
Sonoma, California 53 $ 18,328,000 $ 345,811 $ 105,000
Hampden, Massachusetts 53 $ 9,147,000 $ 172,584 $ 72,000
Bristol, Massachusetts 52 $ 11,620,000 $ 223,461 $ 78,000
Henry, Georgia 51 $ 7,383,000 $ 144,764 $ 25,000
Pulaski, Arkansas 50 $ 4,494,000 $ 89,880 $ 4,000
Tolland, Connecticut 50 $ 10,748,000 $ 214,960 $ 68,000
Hudson, New Jersey 50 $ 15,519,000 $ 310,380 $ 112,000
Allegheny, Pennsylvania 50 $ 7,511,000 $ 150,220 $ 59,000
Lincoln, South Dakota 50 $ 10,161,000 $ 203,220 $ 85,000
Natrona, Wyoming 50 $ 9,850,000 $ 197,000 $ 71,000
Montgomery, Alabama 49 $ 2,211,000 $ 45,122 $ 4,000
Volusia, Florida 49 $ 7,000,000 $ 142,857 $ 59,000
Howard, Maryland 49 $ 15,470,000 $ 315,714 $ 96,000
Virginia Beach, Virginia 49 $ 12,808,000 $ 261,387 $ 62,000
Plymouth, Massachusetts 48 $ 13,852,000 $ 288,583 $ 79,000
Bronx, New York 48 $ 17,596,000 $ 366,583 $ 93,000
Clackamas, Oregon 47 $ 17,165,000 $ 365,212 $ 104,000
Hinds, Mississippi 46 $ 1,850,000 $ 40,217 $ 15,000
Porter, Indiana 45 $ 8,200,000 $ 182,222 $ 57,000
Jefferson, Kentucky 45 $ 4,928,000 $ 109,511 $ 36,000
Cleveland, Oklahoma 45 $ 6,267,000 $ 139,266 $ 70,000
Passaic, New Jersey 44 $ 11,176,000 $ 254,000 $ 78,000
Warren, Iowa 43 $ 7,584,000 $ 176,372 $ 77,000
Macomb, Michigan 43 $ 6,479,000 $ 150,674 $ 22,000
St. Charles, Missouri 43 $ 8,192,000 $ 190,511 $ 76,000
Lehigh, Pennsylvania 43 $ 8,630,000 $ 200,697 $ 68,000
Davis, Utah 43 $ 10,636,000 $ 247,348 $ 87,000
Newton, Georgia 42 $ 5,559,000 $ 132,357 $ 20,000
Somerset, New Jersey 42 $ 21,429,000 $ 510,214 $ 97,000
Wake, North Carolina 42 $ 11,274,000 $ 268,428 $ 74,000
Laramie, Wyoming 41 $ 7,516,000 $ 183,317 $ 94,000
Mobile, Alabama 40 $ 3,058,000 $ 76,450 $ 21,000
East Baton Rouge, Louisiana 40 $ 4,657,000 $ 116,425 $ 70,000
Genesee, Michigan 40 $ 3,689,000 $ 92,225 $ 14,000
Loudoun, Virginia 40 $ 13,529,000 $ 338,225 $ 125,000
Kern, California 39 $ 6,133,000 $ 157,256 $ 68,000
Mercer, New Jersey 39 $ 12,024,000 $ 308,307 $ 50,000
Sarpy, Nebraska 38 $ 4,943,000 $ 130,078 $ 132,000
Berks, Pennsylvania 38 $ 7,371,000 $ 193,973 $ 56,000
Ellis, Texas 38 $ 6,819,000 $ 179,447 $ 76,000
Sussex, Delaware 37 $ 11,818,000 $ 319,405 $ 151,000
York, Maine 37 $ 8,924,000 $ 241,189 $ 89,000
Carroll, Maryland 37 $ 9,503,000 $ 256,837 $ 83,000
Barnstable, Massachusetts 37 $ 13,951,000 $ 377,054 $ 98,000
Jefferson, Missouri 37 $ 5,807,000 $ 156,945 $ 49,000
Flathead, Montana 37 $ 9,880,000 $ 267,027 $ 84,000
Grant, Washington 37 $ 5,531,000 $ 149,486 $ 92,000
El Dorado, California 36 $ 11,391,000 $ 316,416 $ 104,000
Marin, California 36 $ 17,619,000 $ 489,416 $ 162,000
Windham, Connecticut 36 $ 7,597,000 $ 211,027 $ 64,000
Frederick, Maryland 36 $ 10,765,000 $ 299,027 $ 86,000
Atlantic, New Jersey 36 $ 8,693,000 $ 241,472 $ 107,000
Union, North Carolina 36 $ 10,466,000 $ 290,722 $ 109,000
Rockwall, Texas 36 $ 9,030,000 $ 250,833 $ 134,000
Seminole, Florida 35 $ 8,730,000 $ 249,428 $ 91,000
Gloucester, New Jersey 35 $ 8,648,000 $ 247,085 $ 84,000
Dutchess, New York 35 $ 8,815,000 $ 251,857 $ 79,000
Cumberland, Pennsylvania 35 $ 7,501,000 $ 214,314 $ 83,000
Thurston, Washington 35 $ 8,174,000 $ 233,542 $ 74,000
Pasco, Florida 34 $ 5,770,000 $ 169,705 $ 105,000
Catoosa, Georgia 34 $ 4,615,000 $ 135,735 $ 53,000
Story, Iowa 34 $ 5,417,000 $ 159,323 $ 74,000
Anoka, Minnesota 34 $ 7,802,000 $ 229,470 $ 94,000
Summit, Ohio 34 $ 4,860,000 $ 142,941 $ 32,000
Gregg, Texas 34 $ 4,582,000 $ 134,764 $ 64,000
Paulding, Georgia 33 $ 5,089,000 $ 154,212 $ 27,000
Nassau, Florida 32 $ 7,839,000 $ 244,968 $ 132,000
Suffolk, Massachusetts 32 $ 9,927,000 $ 310,218 $ 84,000
Nueces, Texas 32 $ 4,436,000 $ 138,625 $ 59,000
Weber, Utah 32 $ 5,404,000 $ 168,875 $ 65,000
Fresno, California 31 $ 5,057,000 $ 163,129 $ 48,000
Stanislaus, California 31 $ 6,042,000 $ 194,903 $ 70,000
Summit, Colorado 31 $ 12,979,000 $ 418,677 $ 117,000
Kauai, Hawaii 31 $ 11,409,000 $ 368,032 $ 84,000
Ada, Idaho 31 $ 7,297,000 $ 235,387 $ 64,000
Marion, Oregon 31 $ 6,369,000 $ 205,451 $ 71,000
Hidalgo, Texas 31 $ 3,068,000 $ 98,967 $ 41,000
Norfolk, Virginia 31 $ 5,131,000 $ 165,516 $ 58,000
Ventura, California 30 $ 9,920,000 $ 330,666 $ 85,000
Lake, Florida 30 $ 5,471,000 $ 182,366 $ 67,000
Polk, Florida 30 $ 4,833,000 $ 161,100 $ 56,000
Glynn, Georgia 30 $ 6,098,000 $ 203,266 $ 99,000
Ramsey, Minnesota 30 $ 3,724,000 $ 124,133 $ 38,000
Erie, New York 30 $ 2,730,000 $ 91,000 $ 44,000
Stark, Ohio 30 $ 3,815,000 $ 127,166 $ 44,000
Kent, Rhode Island 30 $ 5,726,000 $ 190,866 $ 56,000
Kendall, Illinois 29 $ 7,017,000 $ 241,965 $ 94,000
Orleans, Louisiana 29 $ 4,249,000 $ 146,517 $ 58,000
Clay, Missouri 29 $ 4,076,000 $ 140,551 $ 48,000
Dona Ana, New Mexico 29 $ 5,267,000 $ 181,620 $ 70,000
Buncombe, North Carolina 29 $ 8,013,000 $ 276,310 $ 75,000
Northampton, Pennsylvania 29 $ 6,268,000 $ 216,137 $ 73,000
Richmond City, Virginia 29 $ 5,912,000 $ 203,862 $ 147,000
Humboldt, California 28 $ 6,129,000 $ 218,892 $ 95,000
Forsyth, Georgia 28 $ 9,072,000 $ 324,000 $ 114,000
Jefferson, Louisiana 28 $ 2,944,000 $ 105,142 $ 14,000
Harford, Maryland 28 $ 7,778,000 $ 277,785 $ 80,000
Greene, Missouri 28 $ 3,396,000 $ 121,285 $ 43,000
Scott, Missouri 28 $ 2,884,000 $ 103,000 $ 60,000
Albany, Wyoming 28 $ 5,536,000 $ 197,714 $ 92,000
Collier, Florida 27 $ 14,383,000 $ 532,703 $ 72,000
Coweta, Georgia 27 $ 5,926,000 $ 219,481 $ 77,000
Douglas, Georgia 27 $ 4,576,000 $ 169,481 $ 34,000
Merrimack, New Hampshire 27 $ 5,276,000 $ 195,407 $ 63,000
Hays, Texas 27 $ 5,497,000 $ 203,592 $ 84,000
Parker, Texas 27 $ 5,745,000 $ 212,777 $ 71,000
Kitsap, Washington 27 $ 6,629,000 $ 245,518 $ 72,000
Escambia, Florida 26 $ 2,568,000 $ 98,769 $ 27,000
Rockdale, Georgia 26 $ 5,590,000 $ 215,000 $ 32,000
Hamilton, Ohio 26 $ 4,450,000 $ 171,153 $ 47,000
Washington, Rhode Island 26 $ 7,592,000 $ 292,000 $ 82,000
Sarasota, Florida 25 $ 8,105,000 $ 324,200 $ 80,000
Winnebago, Illinois 25 $ 2,980,000 $ 119,200 $ 36,000
Park, Montana 25 $ 5,399,000 $ 215,960 $ 69,000
Guilford, North Carolina 25 $ 5,698,000 $ 227,920 $ 78,000
Dauphin, Pennsylvania 25 $ 4,207,000 $ 168,280 $ 65,000
Montgomery, Texas 25 $ 6,353,000 $ 254,120 $ 106,000
Manatee, Florida 24 $ 7,089,000 $ 295,375 $ 91,000
Sandoval, New Mexico 24 $ 5,648,000 $ 235,333 $ 68,000
Deschutes, Oregon 24 $ 7,742,000 $ 322,583 $ 143,000
Lancaster, Pennsylvania 24 $ 5,701,000 $ 237,541 $ 59,000
Sullivan, Tennessee 24 $ 2,736,000 $ 114,000 $ 53,000
Galveston, Texas 24 $ 3,683,000 $ 153,458 $ 70,000
Hanover, Virginia 24 $ 5,220,000 $ 217,500 $ 65,000
Broomfield, Colorado 23 $ 5,277,000 $ 229,434 $ 86,000
Muscogee, Georgia 23 $ 2,598,000 $ 112,956 $ 19,000
Walton, Georgia 23 $ 3,820,000 $ 166,086 $ 38,000
DeSoto, Mississippi 23 $ 2,484,000 $ 108,000 $ 24,000
St. Louis City, Missouri 23 $ 3,054,000 $ 132,782 $ 62,000
Gallatin, Montana 23 $ 7,263,000 $ 315,782 $ 76,000
Hunterdon, New Jersey 23 $ 7,174,000 $ 311,913 $ 98,000
Montgomery, Ohio 23 $ 2,041,000 $ 88,739 $ 8,000
Muskingum, Ohio 23 $ 2,037,000 $ 88,565 $ 47,000
Sweetwater, Wyoming 23 $ 5,203,000 $ 226,217 $ 89,000
St. Lucie, Florida 22 $ 3,120,000 $ 141,818 $ 72,000
Hamilton, Indiana 22 $ 8,075,000 $ 367,045 $ 142,000
St. Tammany, Louisiana 22 $ 3,425,000 $ 155,681 $ 52,000
Strafford, New Hampshire 22 $ 4,731,000 $ 215,045 $ 69,000
Cumberland, North Carolina 22 $ 2,456,000 $ 111,636 $ 60,000
Sevier, Tennessee 22 $ 4,711,000 $ 214,136 $ 142,000
El Paso, Texas 22 $ 1,871,000 $ 85,045 $ 25,000
James City, Virginia 22 $ 7,369,000 $ 334,954 $ 114,000
Whatcom, Washington 22 $ 6,138,000 $ 279,000 $ 79,000
Dane, Wisconsin 22 $ 4,721,000 $ 214,590 $ 81,000
Leon, Florida 21 $ 3,133,000 $ 149,190 $ 42,000
Bibb, Georgia 21 $ 6,682,000 $ 318,190 $ 11,000
Fayette, Georgia 21 $ 4,592,000 $ 218,666 $ 84,000
Richmond, Georgia 21 $ 2,391,000 $ 113,857 $ 31,000
Washoe, Nevada 21 $ 5,845,000 $ 278,333 $ 88,000
San Benito, California 20 $ 6,355,000 $ 317,750 $ 104,000
Tulare, California 20 $ 2,108,000 $ 105,400 $ 44,000
Eagle, Colorado 20 $ 13,012,000 $ 650,600 $ 103,000
Routt, Colorado 20 $ 8,832,000 $ 441,600 $ 237,000
Teller, Colorado 20 $ 4,322,000 $ 216,100 $ 97,000
Madison, Illinois 20 $ 1,722,000 $ 86,100 $ 22,000
St. Joseph, Indiana 20 $ 1,859,000 $ 92,950 $ 24,000
Linn, Iowa 20 $ 2,983,000 $ 149,150 $ 66,000
Bay, Michigan 20 $ 2,573,000 $ 128,650 $ 59,000
Dakota, Minnesota 20 $ 3,696,000 $ 184,800 $ 69,000
Cape May, New Jersey 20 $ 8,814,000 $ 440,700 $ 110,000
Gaston, North Carolina 20 $ 3,616,000 $ 180,800 $ 80,000
Brazoria, Texas 20 $ 2,114,000 $ 105,700 $ 40,000
Milwaukee, Wisconsin 20 $ 2,814,000 $ 140,700 $ 27,000
Madison, Alabama 19 $ 1,667,000 $ 87,736 $ 12,000
Alachua, Florida 19 $ 2,960,000 $ 155,789 $ 39,000
Marion, Florida 19 $ 2,424,000 $ 127,578 $ 51,000
Osceola, Florida 19 $ 3,311,000 $ 174,263 $ 99,000
Sedgwick, Kansas 19 $ 1,973,000 $ 103,842 $ 25,000
Kent, Michigan 19 $ 3,598,000 $ 189,368 $ 5,000
Yamhill, Oregon 19 $ 4,932,000 $ 259,578 $ 142,000
Monroe, Pennsylvania 19 $ 3,872,000 $ 203,789 $ 84,000
Grayson, Texas 19 $ 2,348,000 $ 123,578 $ 82,000
Chesapeake, Virginia 19 $ 2,932,000 $ 154,315 $ 47,000
Butte, California 18 $ 4,088,000 $ 227,111 $ 79,000
Merced, California 18 $ 3,322,000 $ 184,555 $ 91,000
Morgan, Colorado 18 $ 2,710,000 $ 150,555 $ 52,000
Liberty, Georgia 18 $ 1,098,000 $ 61,000 $ 31,000
Caddo, Louisiana 18 $ 1,339,000 $ 74,388 $ 21,000
Ingham, Michigan 18 $ 2,737,000 $ 152,055 $ 65,000
St. Louis, Minnesota 18 $ 1,640,000 $ 91,111 $ 39,000
Missoula, Montana 18 $ 4,124,000 $ 229,111 $ 72,000
Sussex, New Jersey 18 $ 5,473,000 $ 304,055 $ 101,000
Cabarrus, North Carolina 18 $ 2,792,000 $ 155,111 $ 66,000
Canadian, Oklahoma 18 $ 2,571,000 $ 142,833 $ 47,000
Cameron, Texas 18 $ 1,466,000 $ 81,444 $ 45,000
Alexandria, Virginia 18 $ 7,082,000 $ 393,444 $ 120,000
Arlington, Virginia 18 $ 7,264,000 $ 403,555 $ 122,000
Newport News, Virginia 18 $ 2,814,000 $ 156,333 $ 45,000
Anchorage, Alaska 17 $ 3,549,000 $ 208,764 $ 62,000
Napa, California 17 $ 7,544,000 $ 443,764 $ 101,000
Columbia, Georgia 17 $ 2,056,000 $ 120,941 $ 36,000
Kalamazoo, Michigan 17 $ 2,222,000 $ 130,705 $ 30,000
Belknap, New Hampshire 17 $ 3,766,000 $ 221,529 $ 86,000
Forsyth, North Carolina 17 $ 2,473,000 $ 145,470 $ 31,000
Fremont, Wyoming 17 $ 3,091,000 $ 181,823 $ 70,000
Elbert, Colorado 16 $ 4,872,000 $ 304,500 $ 110,000
Grand, Colorado 16 $ 3,763,000 $ 235,187 $ 128,000
Moffat, Colorado 16 $ 3,184,000 $ 199,000 $ 61,000
Charlotte, Florida 16 $ 2,840,000 $ 177,500 $ 65,000
Carroll, Georgia 16 $ 2,122,000 $ 132,625 $ 5,000
Chatham, Georgia 16 $ 1,692,000 $ 105,750 $ 25,000
Kootenai, Idaho 16 $ 5,532,000 $ 345,750 $ 60,000
Marshall, Iowa 16 $ 1,577,000 $ 98,562 $ 50,000
Ascension, Louisiana 16 $ 3,076,000 $ 192,250 $ 76,000
Rankin, Mississippi 16 $ 1,383,000 $ 86,437 $ 35,000
Onondaga, New York 16 $ 1,690,000 $ 105,625 $ 94,000
Putnam, New York 16 $ 4,623,000 $ 288,937 $ 86,000
Lucas, Ohio 16 $ 1,650,000 $ 103,125 $ 34,000
Rogers, Oklahoma 16 $ 2,361,000 $ 147,562 $ 96,000
Lane, Oregon 16 $ 3,081,000 $ 192,562 $ 79,000
Beaver, Pennsylvania 16 $ 1,875,000 $ 117,187 $ 52,000
Franklin, Pennsylvania 16 $ 2,412,000 $ 150,750 $ 55,000
Aiken, South Carolina 16 $ 1,825,000 $ 114,062 $ 60,000
Richland, South Carolina 16 $ 1,330,000 $ 83,125 $ 25,000
Blount, Tennessee 16 $ 3,124,000 $ 195,250 $ 81,000
Washington, Tennessee 16 $ 2,666,000 $ 166,625 $ 57,000
Yuma, Arizona 15 $ 2,770,000 $ 184,666 $ 66,000
Santa Barbara, California 15 $ 3,783,000 $ 252,200 $ 64,000
Okaloosa, Florida 15 $ 3,167,000 $ 211,133 $ 120,000
St. Clair, Illinois 15 $ 973,000 $ 64,866 $ 21,000
Jasper, Iowa 15 $ 1,905,000 $ 127,000 $ 51,000
Charles, Maryland 15 $ 4,037,000 $ 269,133 $ 86,000
Hill, Montana 15 $ 2,286,000 $ 152,400 $ 75,000
New Hanover, North Carolina 15 $ 4,770,000 $ 318,000 $ 114,000
Adams, Pennsylvania 15 $ 2,808,000 $ 187,200 $ 65,000
Greenville, South Carolina 15 $ 1,926,000 $ 128,400 $ 28,000
Bell, Texas 15 $ 2,379,000 $ 158,600 $ 30,000
Kaufman, Texas 15 $ 4,896,000 $ 326,400 $ 87,000
Summit, Utah 15 $ 11,199,000 $ 746,600 $ 264,000
Stafford, Virginia 15 $ 3,608,000 $ 240,533 $ 85,000
Mesa, Colorado 14 $ 3,252,000 $ 232,285 $ 105,000
Brevard, Florida 14 $ 2,062,000 $ 147,285 $ 37,000
Martin, Florida 14 $ 8,230,000 $ 587,857 $ 107,000
Bartow, Georgia 14 $ 2,340,000 $ 167,142 $ 75,000
Hall, Georgia 14 $ 6,932,000 $ 495,142 $ 59,000
Canyon, Idaho 14 $ 2,061,000 $ 147,214 $ 44,000
Washington, Maryland 14 $ 3,589,000 $ 256,357 $ 136,000
Stearns, Minnesota 14 $ 1,263,000 $ 90,214 $ 48,000
Brunswick, North Carolina 14 $ 5,108,000 $ 364,857 $ 110,000
Delaware, Ohio 14 $ 3,304,000 $ 236,000 $ 119,000
Lorain, Ohio 14 $ 1,930,000 $ 137,857 $ 57,000
Bedford, Pennsylvania 14 $ 1,921,000 $ 137,214 $ 53,000
Rutherford, Tennessee 14 $ 1,459,000 $ 104,214 $ 36,000
Brazos, Texas 14 $ 2,258,000 $ 161,285 $ 71,000
Comal, Texas 14 $ 4,048,000 $ 289,142 $ 149,000
Albemarle, Virginia 14 $ 5,084,000 $ 363,142 $ 119,000
Spotsylvania, Virginia 14 $ 3,368,000 $ 240,571 $ 73,000
Skagit, Washington 14 $ 4,217,000 $ 301,214 $ 87,000
Waukesha, Wisconsin 14 $ 3,087,000 $ 220,500 $ 56,000
Navajo, Arizona 13 $ 2,791,000 $ 214,692 $ 122,000
Shasta, California 13 $ 2,510,000 $ 193,076 $ 66,000
Pueblo, Colorado 13 $ 2,061,000 $ 158,538 $ 45,000
Walker, Georgia 13 $ 1,546,000 $ 118,923 $ 41,000
Grundy, Illinois 13 $ 2,248,000 $ 172,923 $ 75,000
Allen, Indiana 13 $ 1,086,000 $ 83,538 $ 11,000
Boone, Iowa 13 $ 2,019,000 $ 155,307 $ 71,000
Cerro Gordo, Iowa 13 $ 1,502,000 $ 115,538 $ 52,000
Jefferson, Iowa 13 $ 1,862,000 $ 143,230 $ 91,000
Garrett, Maryland 13 $ 2,951,000 $ 227,000 $ 113,000
Hampshire, Massachusetts 13 $ 3,143,000 $ 241,769 $ 98,000
Warren, New Jersey 13 $ 3,782,000 $ 290,923 $ 116,000
Valencia, New Mexico 13 $ 2,022,000 $ 155,538 $ 39,000
Johnston, North Carolina 13 $ 2,475,000 $ 190,384 $ 39,000
Comanche, Oklahoma 13 $ 1,103,000 $ 84,846 $ 18,000
Racine, Wisconsin 13 $ 1,839,000 $ 141,461 $ 28,000
San Luis Obispo, California 12 $ 4,242,000 $ 353,500 $ 118,000
Gunnison, Colorado 12 $ 3,597,000 $ 299,750 $ 91,000
Santa Rosa, Florida 12 $ 1,623,000 $ 135,250 $ 39,000
Elkhart, Indiana 12 $ 904,000 $ 75,333 $ 2,000
Hendricks, Indiana 12 $ 1,634,000 $ 136,166 $ 25,000
Black Hawk, Iowa 12 $ 1,449,000 $ 120,750 $ 48,000
St. Mary's, Maryland 12 $ 3,499,000 $ 291,583 $ 84,000
Forrest, Mississippi 12 $ 569,000 $ 47,416 $ 11,000
Harrison, Mississippi 12 $ 1,051,000 $ 87,583 $ 17,000
Butler, Missouri 12 $ 1,124,000 $ 93,666 $ 59,000
Cass, Missouri 12 $ 1,585,000 $ 132,083 $ 44,000
Silver Bow, Montana 12 $ 1,307,000 $ 108,916 $ 45,000
Monroe, New York 12 $ 1,045,000 $ 87,083 $ 29,000
Catawba, North Carolina 12 $ 3,445,000 $ 287,083 $ 85,000
Butler, Ohio 12 $ 1,893,000 $ 157,750 $ 23,000
Clark, Ohio 12 $ 1,708,000 $ 142,333 $ 19,000
Bristol, Rhode Island 12 $ 2,654,000 $ 221,166 $ 76,000
Newport, Rhode Island 12 $ 3,353,000 $ 279,416 $ 92,000
Charleston, South Carolina 12 $ 1,589,000 $ 132,416 $ 32,000
Johnson, Texas 12 $ 2,126,000 $ 177,166 $ 61,000
Val Verde, Texas 12 $ 1,641,000 $ 136,750 $ 51,000
Suffolk, Virginia 12 $ 2,759,000 $ 229,916 $ 71,000
Chelan, Washington 12 $ 3,685,000 $ 307,083 $ 114,000
Park, Wyoming 12 $ 2,224,000 $ 185,333 $ 61,000
Kent, Delaware 11 $ 2,690,000 $ 244,545 $ 51,000
Kankakee, Illinois 11 $ 2,083,000 $ 189,363 $ 71,000
Vanderburgh, Indiana 11 $ 1,262,000 $ 114,727 $ 18,000
Scott, Iowa 11 $ 1,624,000 $ 147,636 $ 60,000
Washtenaw, Michigan 11 $ 2,145,000 $ 195,000 $ 23,000
Wright, Minnesota 11 $ 2,276,000 $ 206,909 $ 73,000
Ulster, New York 11 $ 2,592,000 $ 235,636 $ 81,000
Henderson, North Carolina 11 $ 2,082,000 $ 189,272 $ 55,000
Clermont, Ohio 11 $ 1,398,000 $ 127,090 $ 40,000
Lake, Ohio 11 $ 1,489,000 $ 135,363 $ 36,000
Logan, Oklahoma 11 $ 2,123,000 $ 193,000 $ 87,000
Curry, Oregon 11 $ 2,654,000 $ 241,272 $ 173,000
Westmoreland, Pennsylvania 11 $ 2,213,000 $ 201,181 $ 67,000
Tooele, Utah 11 $ 2,330,000 $ 211,818 $ 66,000
Wasatch, Utah 11 $ 3,892,000 $ 353,818 $ 72,000
Hampton, Virginia 11 $ 1,944,000 $ 176,727 $ 56,000
Yakima, Washington 11 $ 1,545,000 $ 140,454 $ 67,000
Elmore, Alabama 10 $ 676,000 $ 67,600 $ 20,000
Houston, Alabama 10 $ 586,000 $ 58,600 $ 15,000
Tuscaloosa, Alabama 10 $ 1,184,000 $ 118,400 $ 3,000
Bay, Florida 10 $ 2,518,000 $ 251,800 $ 52,000
Flagler, Florida 10 $ 1,883,000 $ 188,300 $ 85,000
Barrow, Georgia 10 $ 1,330,000 $ 133,000 $ 23,000
Madison, Iowa 10 $ 1,725,000 $ 172,500 $ 67,000
Marion, Iowa 10 $ 1,354,000 $ 135,400 $ 73,000
Wyandotte, Kansas 10 $ 1,256,000 $ 125,600 $ 57,000
Fayette, Kentucky 10 $ 1,682,000 $ 168,200 $ 26,000
Livingston, Louisiana 10 $ 1,372,000 $ 137,200 $ 33,000
Ouachita, Louisiana 10 $ 443,000 $ 44,300 $ 0
St. John the Baptist, Louisiana 10 $ 1,444,000 $ 144,400 $ 45,000
Otero, New Mexico 10 $ 1,491,000 $ 149,100 $ 65,000
Cass, North Dakota 10 $ 1,389,000 $ 138,900 $ 46,000
Linn, Oregon 10 $ 1,744,000 $ 174,400 $ 51,000
Luzerne, Pennsylvania 10 $ 1,200,000 $ 120,000 $ 50,000
Sumner, Tennessee 10 $ 1,168,000 $ 116,800 $ 21,000
Ector, Texas 10 $ 1,333,000 $ 133,300 $ 65,000
Frederick, Virginia 10 $ 2,132,000 $ 213,200 $ 70,000
Baldwin, Alabama 9 $ 3,913,000 $ 434,777 $ 146,000
Lee, Alabama 9 $ 1,221,000 $ 135,666 $ 147,000
Coconino, Arizona 9 $ 2,242,000 $ 249,111 $ 72,000
Yuba, California 9 $ 1,787,000 $ 198,555 $ 68,000
Chaffee, Colorado 9 $ 2,139,000 $ 237,666 $ 107,000
Hernando, Florida 9 $ 1,399,000 $ 155,444 $ 50,000
Harris, Georgia 9 $ 1,686,000 $ 187,333 $ 66,000
Houston, Georgia 9 $ 882,000 $ 98,000 $ 17,000
Jackson, Georgia 9 $ 1,765,000 $ 196,111 $ 54,000
Boone, Illinois 9 $ 1,340,000 $ 148,888 $ 34,000
DeKalb, Illinois 9 $ 1,443,000 $ 160,333 $ 29,000
Guthrie, Iowa 9 $ 1,418,000 $ 157,555 $ 67,000
Jackson, Mississippi 9 $ 791,000 $ 87,888 $ 14,000
Boone, Missouri 9 $ 1,146,000 $ 127,333 $ 31,000
Christian, Missouri 9 $ 1,178,000 $ 130,888 $ 64,000
Grafton, New Hampshire 9 $ 1,235,000 $ 137,222 $ 84,000
Sullivan, New York 9 $ 2,030,000 $ 225,555 $ 80,000
Durham, North Carolina 9 $ 824,000 $ 91,555 $ 10,000
Harnett, North Carolina 9 $ 1,323,000 $ 147,000 $ 58,000
Fairfield, Ohio 9 $ 1,330,000 $ 147,777 $ 39,000
Medina, Ohio 9 $ 1,974,000 $ 219,333 $ 236,000
McClain, Oklahoma 9 $ 1,394,000 $ 154,888 $ 60,000
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Mortgage Loan Application Detail Totals for Everbank in 2008

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 17,492 $4,670,814,000 $267,000 $5,100,000 $86,000 $9,816,000
Home Purchase 16,066 $3,409,012,000 $212,000 $2,970,000 $83,000 $6,529,000
Home Improvement 191 $36,655,000 $191,000 $1,124,000 $75,000 $622,000

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 19,706 $4,985,677,000 $253,000 $2,300,000 $107,000 $6,529,000
Not applicable 5,893 $1,031,089,000 $174,000 $5,100,000 $0 $0
Not Provided 2,293 $640,391,000 $279,000 $2,078,000 $110,000 $9,816,000
Hispanic 2,239 $513,490,000 $229,000 $1,193,000 $79,000 $3,000,000
Black or African American 1,759 $350,329,000 $199,000 $1,540,000 $70,000 $2,250,000
Asian 1,578 $523,790,000 $331,000 $1,500,000 $116,000 $1,404,000
Native Hawaiian or Other Pacific Islander 206 $54,263,000 $263,000 $641,000 $73,000 $396,000
American Indian or Alaskan Native 75 $17,452,000 $232,000 $1,000,000 $75,000 $599,000

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) 23,117 $6,515,621,000 $281,000 $5,100,000 $106,000 $9,816,000
FHA-insured (Federal Housing Administration) 9,409 $1,497,618,000 $159,000 $1,146,000 $42,000 $628,000
VA-guaranteed (Veterans Administration) 1,223 $103,242,000 $84,000 $577,000 $14,000 $475,000
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 16,475 $3,991,868,000 $242,000 $5,100,000 $104,000 $9,816,000
Application Denied By Financial Institution 9,032 $2,599,685,000 $287,000 $2,300,000 $112,000 $3,364,000
Loan Purchased By The Institution 6,954 $1,185,185,000 $170,000 $5,000,000 $0 $70,000
Application Withdrawn By Applicant 658 $173,789,000 $264,000 $1,070,000 $110,000 $2,139,000
File Closed For Incompleteness 519 $138,230,000 $266,000 $2,000,000 $113,000 $1,499,000
Application Approved But Not Accepted 111 $27,724,000 $249,000 $1,000,000 $110,000 $1,000,000
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 Application Incomplete 4,621 $1,342,216,000 $290,000 $2,300,000 $118,000 $3,000,000
Collateral 1,191 $328,933,000 $276,000 $2,000,000 $118,000 $3,364,000
Debt-To-Income Ratio 1,154 $359,734,000 $311,000 $2,300,000 $79,000 $714,000
Other 1,110 $318,089,000 $286,000 $2,275,000 $128,000 $2,893,000
Credit History 592 $142,588,000 $240,000 $1,500,000 $93,000 $1,501,000
Unverifiable Information 198 $62,075,000 $313,000 $1,080,000 $129,000 $715,000
Employment History 98 $29,061,000 $296,000 $998,000 $91,000 $492,000
Insufficient Cash (Downpayment, Closing Cost) 68 $16,989,000 $249,000 $892,000 $92,000 $730,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Everbank's 2008 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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