Everbank Mortgage Lending & HMDA Data, 2009

In 2009, Everbank of Jacksonville, FL reported 63,346 mortgage applications totaling $13.0 billion, up 88% from 2008. The average application was for $204,578, and applicants reported an average income of $81,234. 49% of its applications resulted in an originated loan and 24% were denied. Its largest markets were Chicago-Naperville-Joliet, IL (3,036), Atlanta-Sandy Springs-Marietta, GA (2,473) and Seattle-Bellevue-Everett, WA (2,034) (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 63,346
Total Mortgage Loan Application Amount $12,959,208,000
Average Mortgage Loan Application Amount $204,578
Highest Mortgage Loan Application Amount $2,000,000
Average Applicant Income $81,234
Highest Applicant Income $7,915,000

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Disclosure Act (HMDA) records Everbank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2009

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Cook, Illinois 1,745 $ 405,900,000 $ 232,607 $ 85,000
King, Washington 1,570 $ 482,563,000 $ 307,364 $ 106,000
Ventura, California 1,043 $ 181,690,000 $ 174,199 $ 15,000
Duval, Florida 862 $ 113,547,000 $ 131,725 $ 53,000
Harris, Texas 757 $ 123,211,000 $ 162,762 $ 91,000
Los Angeles, California 688 $ 196,271,000 $ 285,277 $ 98,000
Dallas, Texas 637 $ 136,719,000 $ 214,629 $ 125,000
Santa Clara, California 591 $ 255,627,000 $ 432,532 $ 152,000
Sacramento, California 543 $ 115,481,000 $ 212,672 $ 78,000
Honolulu, Hawaii 541 $ 208,024,000 $ 384,517 $ 106,000
Maricopa, Arizona 496 $ 94,160,000 $ 189,838 $ 68,000
Fairfax, Virginia 483 $ 145,753,000 $ 301,766 $ 129,000
Chester, Pennsylvania 476 $ 127,301,000 $ 267,439 $ 114,000
Snohomish, Washington 464 $ 118,962,000 $ 256,383 $ 87,000
DuPage, Illinois 459 $ 112,700,000 $ 245,533 $ 95,000
Montgomery, Maryland 455 $ 137,648,000 $ 302,523 $ 114,000
Montgomery, Pennsylvania 453 $ 109,926,000 $ 242,662 $ 103,000
Tarrant, Texas 444 $ 80,594,000 $ 181,518 $ 86,000
Alameda, California 443 $ 169,557,000 $ 382,747 $ 140,000
Denton, Texas 423 $ 87,092,000 $ 205,891 $ 108,000
Denver, Colorado 395 $ 90,050,000 $ 227,974 $ 81,000
Collin, Texas 392 $ 83,856,000 $ 213,918 $ 117,000
Jefferson, Colorado 391 $ 88,386,000 $ 226,051 $ 81,000
Bexar, Texas 391 $ 43,917,000 $ 112,319 $ 43,000
Bucks, Pennsylvania 380 $ 97,821,000 $ 257,423 $ 103,000
Fulton, Georgia 374 $ 69,819,000 $ 186,681 $ 66,000
Boulder, Colorado 359 $ 83,138,000 $ 231,582 $ 85,000
Lake, Illinois 359 $ 83,965,000 $ 233,885 $ 91,000
Philadelphia, Pennsylvania 356 $ 63,676,000 $ 178,865 $ 76,000
Shelby, Tennessee 349 $ 34,912,000 $ 100,034 $ 26,000
Arapahoe, Colorado 340 $ 69,721,000 $ 205,061 $ 80,000
Travis, Texas 332 $ 81,402,000 $ 245,186 $ 128,000
Wayne, Michigan 330 $ 35,215,000 $ 106,712 $ 34,000
Gwinnett, Georgia 327 $ 52,418,000 $ 160,299 $ 43,000
DeKalb, Georgia 321 $ 49,680,000 $ 154,766 $ 49,000
Mecklenburg, North Carolina 321 $ 62,984,000 $ 196,211 $ 89,000
Will, Illinois 319 $ 71,299,000 $ 223,507 $ 78,000
Fairfield, Connecticut 303 $ 96,274,000 $ 317,735 $ 151,000
Yolo, California 301 $ 85,603,000 $ 284,395 $ 114,000
Orange, California 297 $ 100,354,000 $ 337,892 $ 120,000
Nassau, New York 296 $ 74,077,000 $ 250,260 $ 112,000
Contra Costa, California 291 $ 99,146,000 $ 340,707 $ 132,000
Delaware, Pennsylvania 290 $ 64,411,000 $ 222,106 $ 93,000
San Mateo, California 279 $ 121,403,000 $ 435,136 $ 174,000
Kings, New York 275 $ 92,908,000 $ 337,847 $ 103,000
Hennepin, Minnesota 269 $ 58,769,000 $ 218,472 $ 118,000
Bergen, New Jersey 263 $ 81,164,000 $ 308,608 $ 122,000
Cobb, Georgia 261 $ 48,290,000 $ 185,019 $ 84,000
Suffolk, New York 260 $ 61,915,000 $ 238,134 $ 94,000
Pierce, Washington 252 $ 59,074,000 $ 234,420 $ 87,000
Queens, New York 250 $ 69,233,000 $ 276,932 $ 83,000
Cumberland, Pennsylvania 249 $ 49,201,000 $ 197,594 $ 87,000
St. Louis, Missouri 245 $ 39,669,000 $ 161,914 $ 66,000
Jefferson, Alabama 244 $ 29,836,000 $ 122,278 $ 49,000
Middlesex, New Jersey 240 $ 64,555,000 $ 268,979 $ 110,000
Kane, Illinois 237 $ 55,624,000 $ 234,700 $ 82,000
Douglas, Colorado 231 $ 60,442,000 $ 261,653 $ 100,000
Larimer, Colorado 231 $ 51,839,000 $ 224,411 $ 91,000
Adams, Colorado 230 $ 42,602,000 $ 185,226 $ 50,000
Weld, Colorado 230 $ 43,983,000 $ 191,230 $ 65,000
Baltimore, Maryland 230 $ 55,255,000 $ 240,239 $ 95,000
Hartford, Connecticut 228 $ 51,345,000 $ 225,197 $ 92,000
Clayton, Georgia 225 $ 27,345,000 $ 121,533 $ 15,000
Allegheny, Pennsylvania 225 $ 36,678,000 $ 163,013 $ 83,000
Oakland, Michigan 219 $ 36,584,000 $ 167,050 $ 71,000
Marion, Indiana 216 $ 26,887,000 $ 124,476 $ 51,000
Prince George's, Maryland 209 $ 47,114,000 $ 225,425 $ 75,000
Morris, New Jersey 209 $ 63,710,000 $ 304,832 $ 132,000
Placer, California 208 $ 57,008,000 $ 274,076 $ 103,000
York, Pennsylvania 206 $ 38,892,000 $ 188,796 $ 81,000
Monmouth, New Jersey 205 $ 55,118,000 $ 268,868 $ 135,000
Wake, North Carolina 203 $ 41,496,000 $ 204,413 $ 89,000
New Haven, Connecticut 201 $ 42,572,000 $ 211,800 $ 90,000
Salt Lake, Utah 201 $ 43,902,000 $ 218,417 $ 74,000
Anne Arundel, Maryland 200 $ 53,034,000 $ 265,170 $ 116,000
McHenry, Illinois 199 $ 41,083,000 $ 206,447 $ 68,000
Hillsborough, Florida 197 $ 31,036,000 $ 157,543 $ 63,000
San Diego, California 196 $ 57,180,000 $ 291,734 $ 107,000
San Francisco, California 193 $ 84,421,000 $ 437,414 $ 143,000
Burlington, New Jersey 193 $ 42,166,000 $ 218,476 $ 109,000
Bernalillo, New Mexico 193 $ 38,666,000 $ 200,341 $ 81,000
Middlesex, Massachusetts 191 $ 44,550,000 $ 233,246 $ 99,000
Fort Bend, Texas 189 $ 34,971,000 $ 185,031 $ 104,000
Westchester, New York 188 $ 51,023,000 $ 271,398 $ 120,000
Lake, Indiana 187 $ 27,729,000 $ 148,283 $ 58,000
Dauphin, Pennsylvania 184 $ 30,980,000 $ 168,369 $ 80,000
Pima, Arizona 183 $ 29,788,000 $ 162,775 $ 70,000
Chittenden, Vermont 182 $ 29,342,000 $ 161,219 $ 80,000
Riverside, California 181 $ 38,914,000 $ 214,994 $ 109,000
Broward, Florida 181 $ 33,432,000 $ 184,707 $ 76,000
Oklahoma, Oklahoma 176 $ 28,990,000 $ 164,715 $ 80,000
East Baton Rouge, Louisiana 173 $ 32,520,000 $ 187,976 $ 94,000
Polk, Iowa 172 $ 30,834,000 $ 179,267 $ 78,000
Essex, New Jersey 169 $ 45,075,000 $ 266,715 $ 119,000
Berks, Pennsylvania 167 $ 28,050,000 $ 167,964 $ 72,000
Palm Beach, Florida 166 $ 30,319,000 $ 182,644 $ 81,000
Orange, Florida 160 $ 27,713,000 $ 173,206 $ 72,000
Worcester, Massachusetts 158 $ 32,086,000 $ 203,075 $ 90,000
Montgomery, Alabama 157 $ 15,597,000 $ 99,343 $ 30,000
Union, New Jersey 157 $ 47,486,000 $ 302,458 $ 124,000
Rockland, New York 157 $ 44,735,000 $ 284,936 $ 120,000
Henry, Georgia 152 $ 23,862,000 $ 156,986 $ 29,000
District of Columbia, District Of Columbia 149 $ 41,281,000 $ 277,053 $ 106,000
Lehigh, Pennsylvania 147 $ 30,251,000 $ 205,789 $ 79,000
Northampton, Pennsylvania 147 $ 29,175,000 $ 198,469 $ 78,000
Miami-Dade, Florida 146 $ 23,850,000 $ 163,356 $ 94,000
Howard, Maryland 145 $ 42,722,000 $ 294,634 $ 115,000
Ocean, New Jersey 145 $ 36,351,000 $ 250,696 $ 135,000
Yellowstone, Montana 143 $ 27,388,000 $ 191,524 $ 86,000
Mobile, Alabama 142 $ 14,270,000 $ 100,492 $ 35,000
Rockingham, New Hampshire 142 $ 32,055,000 $ 225,739 $ 92,000
Pinellas, Florida 141 $ 19,574,000 $ 138,822 $ 58,000
Loudoun, Virginia 141 $ 42,911,000 $ 304,333 $ 109,000
El Paso, Colorado 139 $ 26,995,000 $ 194,208 $ 70,000
New Castle, Delaware 138 $ 26,925,000 $ 195,108 $ 88,000
San Bernardino, California 136 $ 25,273,000 $ 185,830 $ 80,000
Clark, Nevada 135 $ 23,444,000 $ 173,659 $ 61,000
Franklin, Ohio 135 $ 18,259,000 $ 135,251 $ 50,000
Hidalgo, Texas 133 $ 13,799,000 $ 103,751 $ 55,000
Nevada, California 131 $ 35,254,000 $ 269,114 $ 103,000
Montgomery, Texas 131 $ 24,460,000 $ 186,717 $ 100,000
Lancaster, Pennsylvania 129 $ 23,596,000 $ 182,914 $ 80,000
Davidson, Tennessee 128 $ 16,132,000 $ 126,031 $ 30,000
Williamson, Texas 127 $ 21,095,000 $ 166,102 $ 77,000
Cuyahoga, Ohio 126 $ 15,911,000 $ 126,277 $ 51,000
Virginia Beach, Virginia 125 $ 24,777,000 $ 198,216 $ 93,000
Pulaski, Arkansas 124 $ 11,936,000 $ 96,258 $ 40,000
Hamilton, Indiana 123 $ 23,644,000 $ 192,227 $ 85,000
St. Johns, Florida 120 $ 30,529,000 $ 254,408 $ 107,000
Chesterfield, Virginia 119 $ 24,845,000 $ 208,781 $ 86,000
Clark, Washington 119 $ 23,688,000 $ 199,058 $ 76,000
Hillsborough, New Hampshire 118 $ 22,921,000 $ 194,245 $ 91,000
Hudson, New Jersey 118 $ 33,816,000 $ 286,576 $ 121,000
Passaic, New Jersey 118 $ 30,347,000 $ 257,177 $ 87,000
Prince William, Virginia 117 $ 31,106,000 $ 265,863 $ 98,000
Marin, California 116 $ 54,993,000 $ 474,077 $ 185,000
Hawaii, Hawaii 115 $ 38,806,000 $ 337,443 $ 112,000
Hamilton, Ohio 115 $ 13,357,000 $ 116,147 $ 31,000
Spokane, Washington 114 $ 19,360,000 $ 169,824 $ 63,000
Maui, Hawaii 111 $ 42,636,000 $ 384,108 $ 107,000
St. Charles, Missouri 111 $ 18,673,000 $ 168,225 $ 72,000
Multnomah, Oregon 110 $ 23,988,000 $ 218,072 $ 74,000
Macomb, Michigan 108 $ 15,136,000 $ 140,148 $ 37,000
Essex, Massachusetts 107 $ 27,505,000 $ 257,056 $ 100,000
Somerset, New Jersey 107 $ 34,452,000 $ 321,981 $ 156,000
Jackson, Missouri 106 $ 10,202,000 $ 96,245 $ 35,000
Shelby, Alabama 105 $ 18,237,000 $ 173,685 $ 68,000
Norfolk, Massachusetts 105 $ 27,182,000 $ 258,876 $ 99,000
Hinds, Mississippi 105 $ 8,359,000 $ 79,609 $ 18,000
Knox, Tennessee 105 $ 19,995,000 $ 190,428 $ 101,000
Newton, Georgia 104 $ 13,011,000 $ 125,105 $ 19,000
Baltimore City, Maryland 104 $ 21,423,000 $ 205,990 $ 95,000
Windham, Vermont 104 $ 14,239,000 $ 136,913 $ 79,000
Summit, Ohio 103 $ 15,146,000 $ 147,048 $ 47,000
Douglas, Nebraska 99 $ 14,076,000 $ 142,181 $ 74,000
Camden, New Jersey 99 $ 17,703,000 $ 178,818 $ 91,000
Richmond, New York 99 $ 25,200,000 $ 254,545 $ 88,000
Henrico, Virginia 97 $ 17,686,000 $ 182,329 $ 63,000
Montgomery, Ohio 95 $ 8,901,000 $ 93,694 $ 17,000
Paulding, Georgia 93 $ 14,026,000 $ 150,817 $ 32,000
Genesee, Michigan 93 $ 10,975,000 $ 118,010 $ 38,000
Cumberland, Maine 92 $ 18,873,000 $ 205,141 $ 101,000
Ada, Idaho 91 $ 16,015,000 $ 175,989 $ 107,000
Cheshire, New Hampshire 90 $ 14,902,000 $ 165,577 $ 79,000
Thurston, Washington 90 $ 23,400,000 $ 260,000 $ 94,000
Lee, Florida 89 $ 12,879,000 $ 144,707 $ 69,000
San Joaquin, California 88 $ 16,465,000 $ 187,102 $ 86,000
Ascension, Louisiana 88 $ 15,836,000 $ 179,954 $ 89,000
Dakota, Minnesota 88 $ 18,503,000 $ 210,261 $ 86,000
Waukesha, Wisconsin 88 $ 19,735,000 $ 224,261 $ 103,000
Johnson, Kansas 87 $ 15,282,000 $ 175,655 $ 74,000
Jefferson, Kentucky 86 $ 11,802,000 $ 137,232 $ 52,000
DeSoto, Mississippi 86 $ 9,557,000 $ 111,127 $ 29,000
Providence, Rhode Island 86 $ 11,783,000 $ 137,011 $ 44,000
Cherokee, Georgia 85 $ 15,171,000 $ 178,482 $ 48,000
St. Joseph, Indiana 85 $ 9,384,000 $ 110,400 $ 33,000
Kitsap, Washington 85 $ 20,775,000 $ 244,411 $ 90,000
Vanderburgh, Indiana 84 $ 9,135,000 $ 108,750 $ 73,000
Butler, Ohio 83 $ 10,482,000 $ 126,289 $ 28,000
Arlington, Virginia 83 $ 26,213,000 $ 315,819 $ 144,000
Porter, Indiana 82 $ 13,259,000 $ 161,695 $ 49,000
Plymouth, Massachusetts 82 $ 23,034,000 $ 280,902 $ 122,000
Kent, Rhode Island 82 $ 9,675,000 $ 117,987 $ 30,000
Milwaukee, Wisconsin 82 $ 11,332,000 $ 138,195 $ 67,000
El Dorado, California 81 $ 23,151,000 $ 285,814 $ 112,000
Forsyth, Georgia 80 $ 18,938,000 $ 236,725 $ 95,000
Kent, Michigan 80 $ 11,720,000 $ 146,500 $ 66,000
Anoka, Minnesota 80 $ 14,711,000 $ 183,887 $ 90,000
Santa Fe, New Mexico 80 $ 22,832,000 $ 285,400 $ 90,000
Orange, New York 80 $ 16,838,000 $ 210,475 $ 105,000
Monroe, Pennsylvania 80 $ 13,852,000 $ 173,150 $ 79,000
Bristol, Massachusetts 79 $ 18,517,000 $ 234,392 $ 86,000
Suffolk, Massachusetts 79 $ 18,329,000 $ 232,012 $ 91,000
Tulsa, Oklahoma 79 $ 11,822,000 $ 149,645 $ 89,000
Seminole, Florida 78 $ 14,557,000 $ 186,628 $ 76,000
Jefferson, Louisiana 78 $ 13,049,000 $ 167,294 $ 96,000
Washington, Oregon 78 $ 17,064,000 $ 218,769 $ 100,000
Madison, Alabama 76 $ 8,529,000 $ 112,223 $ 59,000
Sussex, Delaware 76 $ 17,107,000 $ 225,092 $ 115,000
Frederick, Maryland 76 $ 19,970,000 $ 262,763 $ 96,000
Albany, Wyoming 76 $ 15,134,000 $ 199,131 $ 89,000
Sonoma, California 75 $ 20,969,000 $ 279,586 $ 95,000
Kauai, Hawaii 75 $ 27,762,000 $ 370,160 $ 94,000
Hamilton, Tennessee 75 $ 8,705,000 $ 116,066 $ 42,000
Ramsey, Minnesota 74 $ 13,092,000 $ 176,918 $ 72,000
Flathead, Montana 74 $ 17,295,000 $ 233,716 $ 105,000
Stark, Ohio 74 $ 10,583,000 $ 143,013 $ 46,000
Santa Cruz, California 73 $ 27,989,000 $ 383,410 $ 141,000
Grant, Washington 73 $ 12,859,000 $ 176,150 $ 83,000
Mercer, New Jersey 72 $ 16,987,000 $ 235,930 $ 118,000
Sarasota, Florida 71 $ 14,038,000 $ 197,718 $ 73,000
Solano, California 70 $ 15,687,000 $ 224,100 $ 78,000
Rockdale, Georgia 70 $ 11,152,000 $ 159,314 $ 30,000
Winnebago, Illinois 70 $ 7,336,000 $ 104,800 $ 27,000
Whatcom, Washington 70 $ 16,720,000 $ 238,857 $ 79,000
Broomfield, Colorado 69 $ 15,982,000 $ 231,623 $ 88,000
Douglas, Georgia 68 $ 9,300,000 $ 136,764 $ 26,000
Polk, Florida 67 $ 9,457,000 $ 141,149 $ 70,000
Columbia, Georgia 67 $ 11,785,000 $ 175,895 $ 78,000
Harford, Maryland 67 $ 16,832,000 $ 251,223 $ 88,000
Clackamas, Oregon 67 $ 15,697,000 $ 234,283 $ 93,000
Hays, Texas 67 $ 13,036,000 $ 194,567 $ 95,000
Rockwall, Texas 67 $ 14,394,000 $ 214,835 $ 94,000
York, Maine 66 $ 11,701,000 $ 177,287 $ 89,000
Alexandria, Virginia 66 $ 20,301,000 $ 307,590 $ 138,000
Sedgwick, Kansas 65 $ 7,374,000 $ 113,446 $ 59,000
Rankin, Mississippi 65 $ 7,910,000 $ 121,692 $ 29,000
Allen, Indiana 64 $ 6,565,000 $ 102,578 $ 40,000
Dane, Wisconsin 64 $ 13,078,000 $ 204,343 $ 87,000
Litchfield, Connecticut 63 $ 15,211,000 $ 241,444 $ 99,000
Clay, Florida 63 $ 10,169,000 $ 161,412 $ 55,000
Washington, Minnesota 63 $ 13,844,000 $ 219,746 $ 89,000
St. Tammany, Louisiana 62 $ 10,074,000 $ 162,483 $ 70,000
Cumberland, North Carolina 62 $ 6,206,000 $ 100,096 $ 41,000
Richland, South Carolina 62 $ 6,608,000 $ 106,580 $ 43,000
Brazoria, Texas 62 $ 8,952,000 $ 144,387 $ 84,000
Washoe, Nevada 61 $ 11,959,000 $ 196,049 $ 70,000
New York, New York 61 $ 24,603,000 $ 403,327 $ 212,000
Westmoreland, Pennsylvania 61 $ 10,212,000 $ 167,409 $ 86,000
Galveston, Texas 61 $ 10,694,000 $ 175,311 $ 109,000
Hendricks, Indiana 60 $ 8,835,000 $ 147,250 $ 63,000
Barnstable, Massachusetts 60 $ 14,238,000 $ 237,300 $ 116,000
Rutherford, Tennessee 60 $ 7,090,000 $ 118,166 $ 34,000
Chesapeake, Virginia 60 $ 13,282,000 $ 221,366 $ 75,000
Volusia, Florida 59 $ 9,763,000 $ 165,474 $ 69,000
Coweta, Georgia 59 $ 9,357,000 $ 158,593 $ 51,000
Richmond, Georgia 59 $ 6,504,000 $ 110,237 $ 37,000
Union, North Carolina 59 $ 12,169,000 $ 206,254 $ 80,000
Washtenaw, Michigan 58 $ 11,515,000 $ 198,534 $ 88,000
Guilford, North Carolina 58 $ 8,526,000 $ 147,000 $ 52,000
Beaver, Pennsylvania 58 $ 7,568,000 $ 130,482 $ 67,000
El Paso, Texas 58 $ 5,338,000 $ 92,034 $ 49,000
Elmore, Alabama 57 $ 6,473,000 $ 113,561 $ 33,000
Durham, North Carolina 57 $ 8,911,000 $ 156,333 $ 65,000
Tuscaloosa, Alabama 56 $ 8,695,000 $ 155,267 $ 53,000
Pinal, Arizona 56 $ 9,101,000 $ 162,517 $ 47,000
Stanislaus, California 56 $ 8,628,000 $ 154,071 $ 63,000
Penobscot, Maine 56 $ 8,117,000 $ 144,946 $ 89,000
Carroll, Maryland 56 $ 14,551,000 $ 259,839 $ 92,000
Bronx, New York 56 $ 14,654,000 $ 261,678 $ 101,000
Bell, Texas 56 $ 4,964,000 $ 88,642 $ 29,000
Davis, Utah 56 $ 11,159,000 $ 199,267 $ 59,000
Kern, California 54 $ 9,394,000 $ 173,962 $ 68,000
Muscogee, Georgia 54 $ 5,283,000 $ 97,833 $ 22,000
Iredell, North Carolina 54 $ 12,038,000 $ 222,925 $ 103,000
Utah, Utah 54 $ 12,794,000 $ 236,925 $ 95,000
Canyon, Idaho 53 $ 6,933,000 $ 130,811 $ 71,000
Harrison, Mississippi 53 $ 5,852,000 $ 110,415 $ 30,000
Monterey, California 52 $ 13,103,000 $ 251,980 $ 92,000
Collier, Florida 52 $ 10,107,000 $ 194,365 $ 73,000
Bennington, Vermont 52 $ 7,620,000 $ 146,538 $ 95,000
Fresno, California 51 $ 7,659,000 $ 150,176 $ 62,000
Brevard, Florida 51 $ 6,728,000 $ 131,921 $ 63,000
Caddo, Louisiana 51 $ 4,655,000 $ 91,274 $ 26,000
Jefferson, Missouri 51 $ 6,795,000 $ 133,235 $ 33,000
St. Louis City, Missouri 51 $ 6,084,000 $ 119,294 $ 38,000
Wyoming, Pennsylvania 51 $ 7,395,000 $ 145,000 $ 63,000
Gloucester, New Jersey 50 $ 8,923,000 $ 178,460 $ 76,000
Washington, Vermont 50 $ 8,499,000 $ 169,980 $ 99,000
Routt, Colorado 49 $ 15,802,000 $ 322,489 $ 134,000
Sussex, New Jersey 49 $ 9,763,000 $ 199,244 $ 71,000
Rutland, Vermont 49 $ 8,179,000 $ 166,918 $ 87,000
Kendall, Illinois 48 $ 10,736,000 $ 223,666 $ 48,000
St. Clair, Illinois 48 $ 5,189,000 $ 108,104 $ 41,000
Dutchess, New York 48 $ 11,065,000 $ 230,520 $ 94,000
Hampden, Massachusetts 47 $ 7,160,000 $ 152,340 $ 67,000
Greenville, South Carolina 47 $ 6,040,000 $ 128,510 $ 47,000
Addison, Vermont 47 $ 7,761,000 $ 165,127 $ 70,000
Eagle, Colorado 46 $ 13,715,000 $ 298,152 $ 111,000
Cape May, New Jersey 45 $ 12,545,000 $ 278,777 $ 162,000
Cabarrus, North Carolina 45 $ 8,848,000 $ 196,622 $ 63,000
Lackawanna, Pennsylvania 45 $ 6,303,000 $ 140,066 $ 58,000
Walton, Georgia 44 $ 5,938,000 $ 134,954 $ 29,000
Strafford, New Hampshire 44 $ 7,820,000 $ 177,727 $ 86,000
Lexington, South Carolina 44 $ 5,645,000 $ 128,295 $ 63,000
Cameron, Texas 44 $ 4,039,000 $ 91,795 $ 71,000
Franklin, Vermont 44 $ 6,125,000 $ 139,204 $ 64,000
Windsor, Vermont 44 $ 7,218,000 $ 164,045 $ 83,000
Norfolk, Virginia 44 $ 6,975,000 $ 158,522 $ 62,000
Richmond City, Virginia 44 $ 7,577,000 $ 172,204 $ 116,000
Middlesex, Connecticut 43 $ 9,331,000 $ 217,000 $ 105,000
Manatee, Florida 43 $ 8,761,000 $ 203,744 $ 84,000
Livingston, Michigan 43 $ 8,082,000 $ 187,953 $ 63,000
Benton, Washington 43 $ 6,918,000 $ 160,883 $ 76,000
Yavapai, Arizona 42 $ 8,899,000 $ 211,880 $ 80,000
Butte, California 42 $ 8,394,000 $ 199,857 $ 75,000
Charleston, South Carolina 42 $ 8,559,000 $ 203,785 $ 183,000
Hampton, Virginia 42 $ 5,280,000 $ 125,714 $ 47,000
Lake, Florida 41 $ 6,864,000 $ 167,414 $ 67,000
Hancock, Indiana 41 $ 5,618,000 $ 137,024 $ 44,000
Gallatin, Montana 41 $ 8,708,000 $ 212,390 $ 71,000
Sandoval, New Mexico 41 $ 8,199,000 $ 199,975 $ 68,000
Newport News, Virginia 41 $ 7,148,000 $ 174,341 $ 48,000
Stafford, Virginia 41 $ 10,931,000 $ 266,609 $ 107,000
Island, Washington 41 $ 10,612,000 $ 258,829 $ 100,000
Pasco, Florida 40 $ 5,494,000 $ 137,350 $ 41,000
Orleans, Louisiana 40 $ 5,388,000 $ 134,700 $ 61,000
Dona Ana, New Mexico 40 $ 8,180,000 $ 204,500 $ 80,000
Washington, Rhode Island 40 $ 6,434,000 $ 160,850 $ 70,000
Escambia, Florida 39 $ 3,662,000 $ 93,897 $ 22,000
Bibb, Georgia 39 $ 3,447,000 $ 88,384 $ 25,000
Elkhart, Indiana 39 $ 3,625,000 $ 92,948 $ 16,000
Vigo, Indiana 39 $ 3,569,000 $ 91,512 $ 77,000
Washington, Maryland 39 $ 7,857,000 $ 201,461 $ 66,000
Ingham, Michigan 39 $ 5,677,000 $ 145,564 $ 63,000
Sarpy, Nebraska 39 $ 5,491,000 $ 140,794 $ 54,000
Erie, New York 39 $ 5,409,000 $ 138,692 $ 78,000
Luzerne, Pennsylvania 39 $ 5,425,000 $ 139,102 $ 71,000
Nueces, Texas 39 $ 4,441,000 $ 113,871 $ 52,000
Baldwin, Alabama 38 $ 6,732,000 $ 177,157 $ 104,000
Bartow, Georgia 37 $ 4,587,000 $ 123,972 $ 16,000
Chatham, Georgia 37 $ 5,427,000 $ 146,675 $ 51,000
Hall, Georgia 37 $ 5,219,000 $ 141,054 $ 36,000
Ouachita, Louisiana 37 $ 3,402,000 $ 91,945 $ 17,000
Deschutes, Oregon 37 $ 9,086,000 $ 245,567 $ 112,000
Parker, Texas 37 $ 8,143,000 $ 220,081 $ 109,000
Hanover, Virginia 37 $ 8,609,000 $ 232,675 $ 88,000
Benton, Arkansas 36 $ 3,641,000 $ 101,138 $ 39,000
Barrow, Georgia 36 $ 4,345,000 $ 120,694 $ 16,000
Stearns, Minnesota 36 $ 6,148,000 $ 170,777 $ 54,000
Atlantic, New Jersey 36 $ 6,857,000 $ 190,472 $ 80,000
Warren, Ohio 36 $ 6,007,000 $ 166,861 $ 44,000
Lebanon, Pennsylvania 36 $ 6,581,000 $ 182,805 $ 94,000
Sumner, Tennessee 36 $ 6,042,000 $ 167,833 $ 47,000
Tulare, California 35 $ 3,960,000 $ 113,142 $ 50,000
Liberty, Georgia 35 $ 3,681,000 $ 105,171 $ 32,000
Whitfield, Georgia 35 $ 3,685,000 $ 105,285 $ 14,000
Tippecanoe, Indiana 35 $ 3,710,000 $ 106,000 $ 37,000
Fayette, Kentucky 35 $ 4,019,000 $ 114,828 $ 53,000
Franklin, Massachusetts 35 $ 5,591,000 $ 159,742 $ 64,000
Jackson, Mississippi 35 $ 3,089,000 $ 88,257 $ 19,000
Osceola, Florida 34 $ 4,580,000 $ 134,705 $ 58,000
Boone, Missouri 34 $ 4,257,000 $ 125,205 $ 43,000
Warren, New Jersey 34 $ 6,858,000 $ 201,705 $ 82,000
Ellis, Texas 34 $ 4,671,000 $ 137,382 $ 65,000
Brown, Wisconsin 34 $ 6,269,000 $ 184,382 $ 80,000
Laramie, Wyoming 34 $ 7,004,000 $ 206,000 $ 89,000
Monroe, Indiana 33 $ 3,635,000 $ 110,151 $ 54,000
Lafayette, Louisiana 33 $ 5,440,000 $ 164,848 $ 101,000
Worcester, Maryland 33 $ 8,293,000 $ 251,303 $ 165,000
Hunterdon, New Jersey 33 $ 9,483,000 $ 287,363 $ 148,000
Aiken, South Carolina 33 $ 4,925,000 $ 149,242 $ 72,000
York, South Carolina 33 $ 5,725,000 $ 173,484 $ 68,000
New London, Connecticut 32 $ 5,940,000 $ 185,625 $ 79,000
Fayette, Georgia 32 $ 6,240,000 $ 195,000 $ 71,000
Madison, Illinois 32 $ 2,980,000 $ 93,125 $ 31,000
Delaware, Indiana 32 $ 2,611,000 $ 81,593 $ 54,000
Madison, Indiana 32 $ 3,476,000 $ 108,625 $ 32,000
Carver, Minnesota 32 $ 8,294,000 $ 259,187 $ 104,000
Wright, Minnesota 32 $ 6,568,000 $ 205,250 $ 66,000
Missoula, Montana 32 $ 6,692,000 $ 209,125 $ 87,000
Perry, Pennsylvania 32 $ 5,371,000 $ 167,843 $ 68,000
Bossier, Louisiana 31 $ 3,521,000 $ 113,580 $ 57,000
Greene, Missouri 31 $ 3,049,000 $ 98,354 $ 16,000
Lorain, Ohio 31 $ 4,659,000 $ 150,290 $ 40,000
Adams, Pennsylvania 31 $ 6,452,000 $ 208,129 $ 63,000
Wilson, Tennessee 31 $ 3,883,000 $ 125,258 $ 21,000
Lee, Alabama 30 $ 3,127,000 $ 104,233 $ 29,000
Carroll, Georgia 30 $ 3,867,000 $ 128,900 $ 30,000
Johnson, Indiana 30 $ 3,331,000 $ 111,033 $ 36,000
Scott, Minnesota 30 $ 7,167,000 $ 238,900 $ 92,000
Forsyth, North Carolina 30 $ 4,068,000 $ 135,600 $ 61,000
Lucas, Ohio 30 $ 3,685,000 $ 122,833 $ 43,000
Butler, Pennsylvania 30 $ 6,447,000 $ 214,900 $ 75,000
Pike, Pennsylvania 30 $ 5,120,000 $ 170,666 $ 92,000
Skagit, Washington 30 $ 7,006,000 $ 233,533 $ 69,000
Calhoun, Alabama 29 $ 3,165,000 $ 109,137 $ 29,000
Houston, Alabama 29 $ 3,315,000 $ 114,310 $ 34,000
Saline, Arkansas 29 $ 2,811,000 $ 96,931 $ 24,000
Sebastian, Arkansas 29 $ 2,437,000 $ 84,034 $ 27,000
St. John the Baptist, Louisiana 29 $ 3,311,000 $ 114,172 $ 48,000
Calvert, Maryland 29 $ 7,960,000 $ 274,482 $ 99,000
Madison, Mississippi 29 $ 5,923,000 $ 204,241 $ 63,000
Washington, Pennsylvania 29 $ 5,069,000 $ 174,793 $ 76,000
Horry, South Carolina 29 $ 5,869,000 $ 202,379 $ 107,000
Morgan, Alabama 28 $ 2,507,000 $ 89,535 $ 53,000
Tolland, Connecticut 28 $ 6,435,000 $ 229,821 $ 75,000
Okaloosa, Florida 28 $ 4,121,000 $ 147,178 $ 39,000
Spalding, Georgia 28 $ 3,357,000 $ 119,892 $ 16,000
Delaware, Ohio 28 $ 7,121,000 $ 254,321 $ 130,000
Portage, Ohio 28 $ 4,762,000 $ 170,071 $ 47,000
Lane, Oregon 28 $ 4,865,000 $ 173,750 $ 63,000
Montgomery, Tennessee 28 $ 2,856,000 $ 102,000 $ 47,000
Sevier, Tennessee 28 $ 5,957,000 $ 212,750 $ 120,000
Spotsylvania, Virginia 28 $ 6,578,000 $ 234,928 $ 128,000
San Luis Obispo, California 27 $ 7,343,000 $ 271,962 $ 117,000
Summit, Colorado 27 $ 8,435,000 $ 312,407 $ 213,000
Dallas, Iowa 27 $ 5,764,000 $ 213,481 $ 94,000
Linn, Iowa 27 $ 3,365,000 $ 124,629 $ 49,000
Clay, Missouri 27 $ 4,246,000 $ 157,259 $ 52,000
Hill, Montana 27 $ 4,552,000 $ 168,592 $ 92,000
Greene, Ohio 27 $ 3,752,000 $ 138,962 $ 49,000
Licking, Ohio 27 $ 3,601,000 $ 133,370 $ 36,000
Cleveland, Oklahoma 27 $ 3,130,000 $ 115,925 $ 72,000
Guadalupe, Texas 27 $ 2,864,000 $ 106,074 $ 31,000
St. Clair, Alabama 26 $ 3,438,000 $ 132,230 $ 42,000
Craighead, Arkansas 26 $ 2,188,000 $ 84,153 $ 15,000
Faulkner, Arkansas 26 $ 2,782,000 $ 107,000 $ 30,000
Elbert, Colorado 26 $ 6,299,000 $ 242,269 $ 74,000
Camden, Georgia 26 $ 2,993,000 $ 115,115 $ 23,000
Clarke, Georgia 26 $ 2,798,000 $ 107,615 $ 27,000
Dougherty, Georgia 26 $ 2,378,000 $ 91,461 $ 21,000
McLean, Illinois 26 $ 4,130,000 $ 158,846 $ 55,000
Vermilion, Illinois 26 $ 2,342,000 $ 90,076 $ 50,000
Livingston, Louisiana 26 $ 4,129,000 $ 158,807 $ 68,000
Merrimack, New Hampshire 26 $ 4,883,000 $ 187,807 $ 74,000
New Hanover, North Carolina 26 $ 5,003,000 $ 192,423 $ 93,000
Marion, Oregon 26 $ 4,651,000 $ 178,884 $ 54,000
Minnehaha, South Dakota 26 $ 4,210,000 $ 161,923 $ 60,000
Sullivan, Tennessee 26 $ 2,438,000 $ 93,769 $ 27,000
Comal, Texas 26 $ 4,855,000 $ 186,730 $ 82,000
Smith, Texas 26 $ 4,532,000 $ 174,307 $ 104,000
Suffolk, Virginia 26 $ 4,868,000 $ 187,230 $ 45,000
Grand, Colorado 25 $ 6,681,000 $ 267,240 $ 184,000
Bartholomew, Indiana 25 $ 2,915,000 $ 116,600 $ 46,000
Warrick, Indiana 25 $ 3,029,000 $ 121,160 $ 67,000
Douglas, Minnesota 25 $ 4,837,000 $ 193,480 $ 67,000
Cass, Missouri 25 $ 3,505,000 $ 140,200 $ 56,000
Centre, Pennsylvania 25 $ 4,306,000 $ 172,240 $ 73,000
Beaufort, South Carolina 25 $ 5,072,000 $ 202,880 $ 93,000
Brazos, Texas 25 $ 3,754,000 $ 150,160 $ 105,000
Grayson, Texas 25 $ 3,423,000 $ 136,920 $ 64,000
Johnson, Texas 25 $ 3,426,000 $ 137,040 $ 70,000
Fauquier, Virginia 25 $ 7,503,000 $ 300,120 $ 98,000
White, Arkansas 24 $ 2,320,000 $ 96,666 $ 16,000
Santa Barbara, California 24 $ 8,646,000 $ 360,250 $ 110,000
Pueblo, Colorado 24 $ 3,151,000 $ 131,291 $ 57,000
Alachua, Florida 24 $ 3,679,000 $ 153,291 $ 75,000
Marion, Florida 24 $ 3,373,000 $ 140,541 $ 40,000
Kootenai, Idaho 24 $ 4,733,000 $ 197,208 $ 79,000
Charles, Maryland 24 $ 5,779,000 $ 240,791 $ 90,000
Ottawa, Michigan 24 $ 3,354,000 $ 139,750 $ 39,000
Putnam, New York 24 $ 6,463,000 $ 269,291 $ 108,000
Clermont, Ohio 24 $ 3,053,000 $ 127,208 $ 52,000
Chelan, Washington 24 $ 5,452,000 $ 227,166 $ 107,000
Autauga, Alabama 23 $ 3,000,000 $ 130,434 $ 44,000
Martin, Florida 23 $ 4,919,000 $ 213,869 $ 110,000
Putnam, Indiana 23 $ 2,878,000 $ 125,130 $ 71,000
Buncombe, North Carolina 23 $ 4,280,000 $ 186,086 $ 66,000
Harnett, North Carolina 23 $ 3,094,000 $ 134,521 $ 56,000
Lake, Ohio 23 $ 3,830,000 $ 166,521 $ 63,000
Medina, Ohio 23 $ 3,336,000 $ 145,043 $ 45,000
Franklin, Pennsylvania 23 $ 3,767,000 $ 163,782 $ 66,000
Clallam, Washington 23 $ 5,357,000 $ 232,913 $ 74,000
Racine, Wisconsin 23 $ 3,715,000 $ 161,521 $ 71,000
Washington, Arkansas 22 $ 2,288,000 $ 104,000 $ 20,000
St. Lucie, Florida 22 $ 3,590,000 $ 163,181 $ 62,000
Kankakee, Illinois 22 $ 3,328,000 $ 151,272 $ 65,000
Scott, Iowa 22 $ 2,537,000 $ 115,318 $ 40,000
Gaston, North Carolina 22 $ 3,104,000 $ 141,090 $ 61,000
Jackson, Oregon 22 $ 4,083,000 $ 185,590 $ 85,000
Williamson, Tennessee 22 $ 4,782,000 $ 217,363 $ 226,000
Weber, Utah 22 $ 4,242,000 $ 192,818 $ 54,000
Yakima, Washington 22 $ 3,503,000 $ 159,227 $ 75,000
Lonoke, Arkansas 21 $ 2,300,000 $ 109,523 $ 27,000
Moffat, Colorado 21 $ 4,345,000 $ 206,904 $ 78,000
DeKalb, Illinois 21 $ 3,528,000 $ 168,000 $ 46,000
Howard, Indiana 21 $ 2,174,000 $ 103,523 $ 15,000
Kenton, Kentucky 21 $ 2,171,000 $ 103,380 $ 40,000
Terrebonne, Louisiana 21 $ 3,639,000 $ 173,285 $ 91,000
Lauderdale, Mississippi 21 $ 1,384,000 $ 65,904 $ 10,000
Onondaga, New York 21 $ 2,584,000 $ 123,047 $ 57,000
James City, Virginia 21 $ 6,317,000 $ 300,809 $ 111,000
Kenosha, Wisconsin 21 $ 3,373,000 $ 160,619 $ 66,000
Anchorage, Alaska 20 $ 3,623,000 $ 181,150 $ 53,000
Miller, Arkansas 20 $ 2,038,000 $ 101,900 $ 53,000
Jackson, Georgia 20 $ 3,420,000 $ 171,000 $ 49,000
Tangipahoa, Louisiana 20 $ 3,343,000 $ 167,150 $ 66,000
Olmsted, Minnesota 20 $ 4,046,000 $ 202,300 $ 95,000
Washington, Mississippi 20 $ 919,000 $ 45,950 $ 11,000
Platte, Missouri 20 $ 3,537,000 $ 176,850 $ 66,000
Catawba, North Carolina 20 $ 3,942,000 $ 197,100 $ 66,000
Davidson, North Carolina 20 $ 2,894,000 $ 144,700 $ 48,000
Johnston, North Carolina 20 $ 2,526,000 $ 126,300 $ 43,000
Onslow, North Carolina 20 $ 2,572,000 $ 128,600 $ 43,000
Fairfield, Ohio 20 $ 2,787,000 $ 139,350 $ 40,000
Kaufman, Texas 20 $ 3,622,000 $ 181,100 $ 92,000
Summit, Utah 20 $ 6,428,000 $ 321,400 $ 119,000
Albemarle, Virginia 20 $ 5,029,000 $ 251,450 $ 96,000
Portsmouth, Virginia 20 $ 2,881,000 $ 144,050 $ 50,000
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Mortgage Loan Application Detail Totals for Everbank in 2009

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 46,795 $10,138,862,000 $216,000 $2,000,000 $88,000 $7,915,000
Home Purchase 16,302 $2,778,062,000 $170,000 $2,000,000 $62,000 $4,000,000
Home Improvement 249 $42,284,000 $169,000 $553,000 $69,000 $558,000

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 34,451 $7,878,421,000 $228,000 $2,000,000 $98,000 $7,915,000
Not Provided 12,354 $2,387,770,000 $193,000 $1,500,000 $83,000 $2,619,000
Not applicable 7,071 $615,834,000 $87,000 $460,000 $0 $39,000
Asian 3,555 $1,021,125,000 $287,000 $1,500,000 $103,000 $3,696,000
Black or African American 2,847 $447,313,000 $157,000 $1,000,000 $54,000 $845,000
Hispanic 2,554 $496,973,000 $194,000 $1,040,000 $69,000 $775,000
Native Hawaiian or Other Pacific Islander 371 $84,620,000 $228,000 $743,000 $63,000 $562,000
American Indian or Alaskan Native 143 $27,152,000 $189,000 $580,000 $73,000 $660,000

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) 44,436 $10,219,830,000 $229,000 $2,000,000 $102,000 $7,915,000
FHA-insured (Federal Housing Administration) 16,215 $2,476,128,000 $152,000 $743,000 $36,000 $3,696,000
VA-guaranteed (Veterans Administration) 2,695 $263,250,000 $97,000 $500,000 $6,000 $225,000
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 30,786 $6,950,129,000 $225,000 $1,500,000 $93,000 $5,561,000
Application Denied By Financial Institution 15,106 $3,484,762,000 $230,000 $2,000,000 $91,000 $4,800,000
Loan Purchased By The Institution 9,757 $1,046,762,000 $107,000 $730,000 $21,000 $2,619,000
Application Withdrawn By Applicant 3,321 $605,858,000 $182,000 $1,000,000 $89,000 $3,000,000
File Closed For Incompleteness 3,180 $598,339,000 $188,000 $1,500,000 $95,000 $7,915,000
Application Approved But Not Accepted 1,196 $273,358,000 $228,000 $2,000,000 $90,000 $1,566,000
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 3,640 $1,033,072,000 $283,000 $1,920,000 $112,000 $3,467,000
Collateral 3,070 $700,937,000 $228,000 $1,995,000 $102,000 $4,800,000
Debt-To-Income Ratio 2,942 $647,060,000 $219,000 $1,524,000 $57,000 $2,630,000
Credit History 2,437 $391,475,000 $160,000 $1,505,000 $70,000 $3,348,000
Other 2,139 $505,501,000 $236,000 $1,365,000 $105,000 $3,696,000
Unverifiable Information 639 $151,835,000 $237,000 $2,000,000 $101,000 $1,799,000
Employment History 127 $31,937,000 $251,000 $960,000 $88,000 $596,000
Insufficient Cash (Downpayment, Closing Cost) 112 $22,945,000 $204,000 $650,000 $85,000 $522,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Everbank's 2009 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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