Everbank Mortgage Lending & HMDA Data, 2003
In 2003, Everbank of Jacksonville, FL reported 41,536 mortgage applications totaling $8.7 billion. The average application was for $209,826, and applicants reported an average income of $91,008. 58% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Chicago, IL (3,066), Los Angeles-Long Beach, CA (2,188) and Baltimore, MD (1,918) (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 | 41,536 |
| Total Mortgage Loan Application Amount | $8,715,359,000 |
| Average Mortgage Loan Application Amount | $209,826 |
| Highest Mortgage Loan Application Amount | $2,400,000 |
| Average Applicant Income | $91,008 |
| Highest Applicant Income | $5,400,000 |
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Disclosure Act (HMDA) records Everbank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Chicago, IL | 3,066 | $ 670,220,000 | $ 218,597 | $ 84,000 |
| Los Angeles-Long Beach, CA | 2,188 | $ 508,627,000 | $ 232,462 | $ 89,000 |
| Baltimore, MD | 1,918 | $ 407,835,000 | $ 212,635 | $ 91,000 |
| Jacksonville, FL | 1,706 | $ 320,562,000 | $ 187,902 | $ 83,000 |
| Atlanta, GA | 1,610 | $ 322,902,000 | $ 200,560 | $ 90,000 |
| Philadelphia, PA-NJ | 1,274 | $ 246,457,000 | $ 193,451 | $ 96,000 |
| Dallas, TX | 1,095 | $ 217,901,000 | $ 198,996 | $ 109,000 |
| Orange County, CA | 798 | $ 207,128,000 | $ 259,558 | $ 111,000 |
| Boston, MA-NH | 667 | $ 158,399,000 | $ 237,479 | $ 94,000 |
| Washington, DC-MD-VA-WV | 558 | $ 142,427,000 | $ 255,245 | $ 111,000 |
| Riverside-San Bernardino, CA | 547 | $ 102,156,000 | $ 186,756 | $ 91,000 |
| Denver, CO | 545 | $ 115,280,000 | $ 211,522 | $ 88,000 |
| New York, NY | 535 | $ 120,479,000 | $ 225,194 | $ 100,000 |
| Fort Worth-Arlington, TX | 486 | $ 96,623,000 | $ 198,812 | $ 89,000 |
| San Diego, CA | 463 | $ 115,542,000 | $ 249,550 | $ 91,000 |
| Nassau-Suffolk, NY | 457 | $ 99,446,000 | $ 217,606 | $ 101,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 455 | $ 80,528,000 | $ 176,984 | $ 71,000 |
| Seattle-Bellevue-Everett, WA | 442 | $ 100,098,000 | $ 226,466 | $ 83,000 |
| Phoenix-Mesa, AZ | 388 | $ 66,104,000 | $ 170,371 | $ 65,000 |
| Colorado Springs, CO | 362 | $ 70,285,000 | $ 194,157 | $ 88,000 |
| Orlando, FL | 347 | $ 59,644,000 | $ 171,884 | $ 74,000 |
| Newark, NJ | 340 | $ 73,175,000 | $ 215,220 | $ 86,000 |
| Oakland, CA | 328 | $ 87,941,000 | $ 268,112 | $ 97,000 |
| Detroit, MI | 324 | $ 69,248,000 | $ 213,728 | $ 86,000 |
| Middlesex-Somerset-Hunterdon, NJ | 316 | $ 66,860,000 | $ 211,582 | $ 86,000 |
| Indianapolis, IN | 306 | $ 51,992,000 | $ 169,908 | $ 112,000 |
| Knoxville, TN | 289 | $ 51,860,000 | $ 179,446 | $ 111,000 |
| Sacramento, CA | 282 | $ 58,153,000 | $ 206,216 | $ 73,000 |
| Bergen-Passaic, NJ | 269 | $ 62,996,000 | $ 234,185 | $ 85,000 |
| Monmouth-Ocean, NJ | 255 | $ 54,181,000 | $ 212,474 | $ 96,000 |
| Pittsburgh, PA | 220 | $ 36,805,000 | $ 167,295 | $ 97,000 |
| San Francisco, CA | 196 | $ 60,652,000 | $ 309,448 | $ 117,000 |
| San Jose, CA | 182 | $ 52,805,000 | $ 290,137 | $ 120,000 |
| Norfolk-Virginia Beach-Newport News, VA-NC | 176 | $ 30,824,000 | $ 175,136 | $ 89,000 |
| Richmond-Petersburg, VA | 162 | $ 29,395,000 | $ 181,450 | $ 77,000 |
| Minneapolis-St. Paul, MN-WI | 161 | $ 34,975,000 | $ 217,236 | $ 83,000 |
| Houston, TX | 150 | $ 23,534,000 | $ 156,893 | $ 75,000 |
| Las Vegas, NV-AZ | 145 | $ 26,344,000 | $ 181,682 | $ 69,000 |
| Hartford, CT | 134 | $ 25,088,000 | $ 187,223 | $ 111,000 |
| Ventura, CA | 131 | $ 33,267,000 | $ 253,946 | $ 79,000 |
| Louisville, KY-IN | 124 | $ 22,005,000 | $ 177,459 | $ 95,000 |
| Boulder-Longmont, CO | 115 | $ 27,740,000 | $ 241,217 | $ 82,000 |
| West Palm Beach-Boca Raton, FL | 106 | $ 22,897,000 | $ 216,009 | $ 302,000 |
| Tampa-St. Petersburg-Clearwater, FL | 103 | $ 15,715,000 | $ 152,572 | $ 84,000 |
| Wilmington-Newark, DE-MD | 103 | $ 21,534,000 | $ 209,067 | $ 98,000 |
| Raleigh-Durham-Chapel Hill, NC | 99 | $ 18,586,000 | $ 187,737 | $ 77,000 |
| Fort Lauderdale, FL | 97 | $ 18,584,000 | $ 191,587 | $ 104,000 |
| Columbus, OH | 92 | $ 19,650,000 | $ 213,586 | $ 90,000 |
| New Orleans, LA | 90 | $ 16,381,000 | $ 182,011 | $ 84,000 |
| Cleveland-Lorain-Elyria, OH | 88 | $ 15,560,000 | $ 176,818 | $ 85,000 |
| Trenton, NJ | 86 | $ 18,199,000 | $ 211,616 | $ 144,000 |
| Worcester, MA-CT | 86 | $ 17,709,000 | $ 205,918 | $ 129,000 |
| Cincinnati, OH-KY-IN | 85 | $ 15,856,000 | $ 186,541 | $ 90,000 |
| Miami, FL | 85 | $ 14,511,000 | $ 170,717 | $ 62,000 |
| Tucson, AZ | 83 | $ 13,468,000 | $ 162,265 | $ 61,000 |
| York, PA | 83 | $ 10,335,000 | $ 124,518 | $ 107,000 |
| Greensboro--Winston-Salem--High Point, NC | 80 | $ 13,994,000 | $ 174,925 | $ 84,000 |
| Vallejo-Fairfield-Napa, CA | 79 | $ 18,661,000 | $ 236,215 | $ 77,000 |
| Ann Arbor, MI | 76 | $ 17,455,000 | $ 229,671 | $ 80,000 |
| Bridgeport, CT | 76 | $ 18,541,000 | $ 243,960 | $ 106,000 |
| Jersey City, NJ | 76 | $ 13,647,000 | $ 179,565 | $ 71,000 |
| Allentown-Bethlehem-Easton, PA | 75 | $ 11,086,000 | $ 147,813 | $ 75,000 |
| Portland-Vancouver, OR-WA | 74 | $ 14,097,000 | $ 190,500 | $ 161,000 |
| Stamford-Norwalk, CT | 74 | $ 21,380,000 | $ 288,918 | $ 152,000 |
| Daytona Beach, FL | 71 | $ 9,956,000 | $ 140,225 | $ 71,000 |
| Austin-San Marcos, TX | 70 | $ 10,789,000 | $ 154,128 | $ 87,000 |
| St. Louis, MO-IL | 69 | $ 11,630,000 | $ 168,550 | $ 102,000 |
| Asheville, NC | 68 | $ 12,582,000 | $ 185,029 | $ 78,000 |
| Nashville, TN | 66 | $ 11,637,000 | $ 176,318 | $ 81,000 |
| Tacoma, WA | 64 | $ 12,953,000 | $ 202,390 | $ 139,000 |
| Harrisburg-Lebanon-Carlisle, PA | 63 | $ 7,083,000 | $ 112,428 | $ 42,000 |
| Newburgh, NY-PA | 61 | $ 11,113,000 | $ 182,180 | $ 94,000 |
| Fresno, CA | 56 | $ 8,704,000 | $ 155,428 | $ 68,000 |
| New Haven-Meriden, CT | 56 | $ 11,132,000 | $ 198,785 | $ 98,000 |
| Roanoke, VA | 54 | $ 9,070,000 | $ 167,962 | $ 73,000 |
| Providence-Fall River-Warwick, RI-MA | 53 | $ 8,663,000 | $ 163,452 | $ 73,000 |
| Pueblo, CO | 50 | $ 6,018,000 | $ 120,360 | $ 45,000 |
| Punta Gorda, FL | 50 | $ 8,181,000 | $ 163,620 | $ 85,000 |
| Lawrence, MA-NH | 49 | $ 12,139,000 | $ 247,734 | $ 101,000 |
| Lowell, MA-NH | 49 | $ 10,314,000 | $ 210,489 | $ 87,000 |
| Honolulu, HI | 46 | $ 13,497,000 | $ 293,413 | $ 96,000 |
| Birmingham, AL | 44 | $ 7,386,000 | $ 167,863 | $ 69,000 |
| Santa Barbara-Santa Maria-Lompoc, CA | 44 | $ 10,756,000 | $ 244,454 | $ 77,000 |
| Stockton-Lodi, CA | 44 | $ 8,658,000 | $ 196,772 | $ 77,000 |
| Bakersfield, CA | 42 | $ 6,047,000 | $ 143,976 | $ 126,000 |
| Charlottesville, VA | 42 | $ 8,130,000 | $ 193,571 | $ 80,000 |
| Grand Rapids-Muskegon-Holland, MI | 42 | $ 7,545,000 | $ 179,642 | $ 93,000 |
| Mobile, AL | 42 | $ 9,924,000 | $ 236,285 | $ 104,000 |
| Danbury, CT | 40 | $ 11,066,000 | $ 276,650 | $ 146,000 |
| Dayton-Springfield, OH | 40 | $ 6,507,000 | $ 162,675 | $ 86,000 |
| Hagerstown, MD | 40 | $ 6,242,000 | $ 156,050 | $ 78,000 |
| Lexington, KY | 40 | $ 6,958,000 | $ 173,950 | $ 96,000 |
| Fort Myers-Cape Coral, FL | 39 | $ 6,470,000 | $ 165,897 | $ 105,000 |
| San Antonio, TX | 39 | $ 6,117,000 | $ 156,846 | $ 95,000 |
| Dutchess County, NY | 38 | $ 8,008,000 | $ 210,736 | $ 79,000 |
| Flint, MI | 38 | $ 6,913,000 | $ 181,921 | $ 72,000 |
| Modesto, CA | 38 | $ 7,466,000 | $ 196,473 | $ 239,000 |
| Barnstable-Yarmouth, MA | 37 | $ 7,362,000 | $ 198,972 | $ 182,000 |
| Memphis, TN-AR-MS | 37 | $ 5,754,000 | $ 155,513 | $ 96,000 |
| Myrtle Beach, SC | 37 | $ 5,878,000 | $ 158,864 | $ 77,000 |
| Santa Rosa, CA | 37 | $ 8,570,000 | $ 231,621 | $ 91,000 |
| Wilmington, NC | 37 | $ 5,560,000 | $ 150,270 | $ 46,000 |
| Kansas City, MO-KS | 36 | $ 4,405,000 | $ 122,361 | $ 48,000 |
| Sarasota-Bradenton, FL | 36 | $ 6,036,000 | $ 167,666 | $ 61,000 |
| Atlantic-Cape May, NJ | 35 | $ 6,112,000 | $ 174,628 | $ 139,000 |
| Portsmouth-Rochester, NH-ME | 35 | $ 7,447,000 | $ 212,771 | $ 78,000 |
| State College, PA | 34 | $ 5,628,000 | $ 165,529 | $ 99,000 |
| Fort Pierce-Port St. Lucie, FL | 33 | $ 5,917,000 | $ 179,303 | $ 63,000 |
| Reno, NV | 33 | $ 6,466,000 | $ 195,939 | $ 79,000 |
| Albany-Schenectady-Troy, NY | 32 | $ 5,667,000 | $ 177,093 | $ 99,000 |
| Charleston-North Charleston, SC | 32 | $ 6,211,000 | $ 194,093 | $ 66,000 |
| Nashua, NH | 32 | $ 6,304,000 | $ 197,000 | $ 83,000 |
| Springfield, MA | 32 | $ 5,374,000 | $ 167,937 | $ 80,000 |
| Manchester, NH | 31 | $ 5,960,000 | $ 192,258 | $ 74,000 |
| Portland, ME | 31 | $ 6,027,000 | $ 194,419 | $ 64,000 |
| Augusta-Aiken, GA-SC | 30 | $ 5,427,000 | $ 180,900 | $ 79,000 |
| Akron, OH | 29 | $ 4,890,000 | $ 168,620 | $ 80,000 |
| Gary, IN | 29 | $ 4,836,000 | $ 166,758 | $ 86,000 |
| Huntsville, AL | 29 | $ 5,831,000 | $ 201,068 | $ 103,000 |
| Reading, PA | 29 | $ 5,386,000 | $ 185,724 | $ 86,000 |
| Brockton, MA | 27 | $ 6,304,000 | $ 233,481 | $ 84,000 |
| Jackson, MS | 27 | $ 4,236,000 | $ 156,888 | $ 74,000 |
| Salinas, CA | 27 | $ 6,794,000 | $ 251,629 | $ 73,000 |
| Santa Cruz-Watsonville, CA | 27 | $ 7,244,000 | $ 268,296 | $ 73,000 |
| Yolo, CA | 27 | $ 5,910,000 | $ 218,888 | $ 77,000 |
| Albuquerque, NM | 26 | $ 4,580,000 | $ 176,153 | $ 86,000 |
| Milwaukee-Waukesha, WI | 26 | $ 4,385,000 | $ 168,653 | $ 91,000 |
| Oklahoma City, OK | 26 | $ 4,082,000 | $ 157,000 | $ 103,000 |
| San Luis Obispo-Atascadero-Paso Robles, CA | 26 | $ 6,846,000 | $ 263,307 | $ 95,000 |
| Savannah, GA | 26 | $ 4,254,000 | $ 163,615 | $ 84,000 |
| Buffalo-Niagara Falls, NY | 25 | $ 2,938,000 | $ 117,520 | $ 77,000 |
| Fort Collins-Loveland, CO | 25 | $ 4,974,000 | $ 198,960 | $ 111,000 |
| Greeley, CO | 25 | $ 4,654,000 | $ 186,160 | $ 69,000 |
| Greenville-Spartanburg-Anderson, SC | 25 | $ 4,385,000 | $ 175,400 | $ 78,000 |
| Melbourne-Titusville-Palm Bay, FL | 25 | $ 2,768,000 | $ 110,720 | $ 53,000 |
| Naples, FL | 25 | $ 5,532,000 | $ 221,280 | $ 115,000 |
| Shreveport-Bossier City, LA | 25 | $ 3,645,000 | $ 145,800 | $ 63,000 |
| Lancaster, PA | 24 | $ 2,880,000 | $ 120,000 | $ 56,000 |
| Baton Rouge, LA | 22 | $ 3,321,000 | $ 150,954 | $ 83,000 |
| Bremerton, WA | 22 | $ 4,287,000 | $ 194,863 | $ 85,000 |
| Fayetteville, NC | 22 | $ 1,482,000 | $ 67,363 | $ 29,000 |
| Hamilton-Middletown, OH | 22 | $ 3,582,000 | $ 162,818 | $ 79,000 |
| Hickory-Morganton-Lenoir, NC | 22 | $ 3,369,000 | $ 153,136 | $ 45,000 |
| New London-Norwich, CT-RI | 22 | $ 4,908,000 | $ 223,090 | $ 166,000 |
| Salt Lake City-Ogden, UT | 21 | $ 3,444,000 | $ 164,000 | $ 67,000 |
| Tulsa, OK | 21 | $ 3,121,000 | $ 148,619 | $ 89,000 |
| Wichita, KS | 21 | $ 2,810,000 | $ 133,809 | $ 152,000 |
| Macon, GA | 20 | $ 3,287,000 | $ 164,350 | $ 98,000 |
| Tallahassee, FL | 20 | $ 3,012,000 | $ 150,600 | $ 120,000 |
| Boise City, ID | 19 | $ 3,670,000 | $ 193,157 | $ 93,000 |
| Columbia, SC | 19 | $ 3,329,000 | $ 175,210 | $ 88,000 |
| Gainesville, FL | 19 | $ 2,539,000 | $ 133,631 | $ 182,000 |
| Lincoln, NE | 19 | $ 2,842,000 | $ 149,578 | $ 58,000 |
| Santa Fe, NM | 19 | $ 3,286,000 | $ 172,947 | $ 94,000 |
| Lakeland-Winter Haven, FL | 18 | $ 2,420,000 | $ 134,444 | $ 152,000 |
| Little Rock-North Little Rock, AR | 18 | $ 3,043,000 | $ 169,055 | $ 75,000 |
| Omaha, NE-IA | 18 | $ 2,897,000 | $ 160,944 | $ 85,000 |
| Lynchburg, VA | 17 | $ 2,549,000 | $ 149,941 | $ 80,000 |
| Kalamazoo-Battle Creek, MI | 15 | $ 2,179,000 | $ 145,266 | $ 73,000 |
| Lansing-East Lansing, MI | 15 | $ 3,584,000 | $ 238,933 | $ 84,000 |
| Pensacola, FL | 15 | $ 3,690,000 | $ 246,000 | $ 406,000 |
| Olympia, WA | 14 | $ 2,611,000 | $ 186,500 | $ 74,000 |
| New Bedford, MA | 13 | $ 2,466,000 | $ 189,692 | $ 62,000 |
| Rochester, NY | 13 | $ 2,233,000 | $ 171,769 | $ 74,000 |
| Rockford, IL | 13 | $ 2,068,000 | $ 159,076 | $ 84,000 |
| Syracuse, NY | 13 | $ 1,404,000 | $ 108,000 | $ 55,000 |
| Waterbury, CT | 13 | $ 2,170,000 | $ 166,923 | $ 135,000 |
| Bellingham, WA | 12 | $ 3,015,000 | $ 251,250 | $ 167,000 |
| Dover, DE | 12 | $ 1,570,000 | $ 130,833 | $ 58,000 |
| Youngstown-Warren, OH | 12 | $ 689,000 | $ 57,416 | $ 37,000 |
| Yuma, AZ | 12 | $ 1,176,000 | $ 98,000 | $ 87,000 |
| Spokane, WA | 11 | $ 2,429,000 | $ 220,818 | $ 106,000 |
| Athens, GA | 10 | $ 2,347,000 | $ 234,700 | $ 194,000 |
| Chattanooga, TN-GA | 10 | $ 1,714,000 | $ 171,400 | $ 91,000 |
| Fort Walton Beach, FL | 10 | $ 2,125,000 | $ 212,500 | $ 75,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 10 | $ 1,165,000 | $ 116,500 | $ 145,000 |
| Topeka, KS | 10 | $ 492,000 | $ 49,200 | $ 46,000 |
| Visalia-Tulare-Porterville, CA | 10 | $ 1,509,000 | $ 150,900 | $ 65,000 |
| Anchorage, AK | 9 | $ 1,463,000 | $ 162,555 | $ 126,000 |
| Canton-Massillon, OH | 9 | $ 1,230,000 | $ 136,666 | $ 60,000 |
| Chico-Paradise, CA | 9 | $ 1,191,000 | $ 132,333 | $ 54,000 |
| Columbus, GA-AL | 9 | $ 1,358,000 | $ 150,888 | $ 62,000 |
| Lafayette, IN | 9 | $ 1,435,000 | $ 159,444 | $ 75,000 |
| Madison, WI | 9 | $ 1,746,000 | $ 194,000 | $ 117,000 |
| Montgomery, AL | 9 | $ 953,000 | $ 105,888 | $ 91,000 |
| Muncie, IN | 9 | $ 1,395,000 | $ 155,000 | $ 77,000 |
| Ocala, FL | 9 | $ 866,000 | $ 96,222 | $ 52,000 |
| Saginaw-Bay City-Midland, MI | 9 | $ 1,561,000 | $ 173,444 | $ 173,000 |
| Toledo, OH | 9 | $ 1,750,000 | $ 194,444 | $ 77,000 |
| Burlington, VT | 8 | $ 1,295,000 | $ 161,875 | $ 81,000 |
| Des Moines, IA | 8 | $ 1,409,000 | $ 176,125 | $ 60,000 |
| El Paso, TX | 8 | $ 574,000 | $ 71,750 | $ 28,000 |
| Fitchburg-Leominster, MA | 8 | $ 1,587,000 | $ 198,375 | $ 80,000 |
| Killeen-Temple, TX | 8 | $ 999,000 | $ 124,875 | $ 51,000 |
| South Bend, IN | 8 | $ 1,100,000 | $ 137,500 | $ 69,000 |
| Benton Harbor, MI | 7 | $ 1,681,000 | $ 240,142 | $ 95,000 |
| Cumberland, MD-WV | 7 | $ 888,000 | $ 126,857 | $ 94,000 |
| Davenport-Moline-Rock Island, IA-IL | 7 | $ 1,160,000 | $ 165,714 | $ 111,000 |
| Johnson City-Kingsport-Bristol, TN-VA | 7 | $ 1,197,000 | $ 171,000 | $ 75,000 |
| Redding, CA | 7 | $ 1,548,000 | $ 221,142 | $ 147,000 |
| Cedar Rapids, IA | 6 | $ 528,000 | $ 88,000 | $ 63,000 |
| Cheyenne, WY | 6 | $ 911,000 | $ 151,833 | $ 88,000 |
| Corpus Christi, TX | 6 | $ 351,000 | $ 58,500 | $ 29,000 |
| Danville, VA | 6 | $ 814,000 | $ 135,666 | $ 87,000 |
| Erie, PA | 6 | $ 453,000 | $ 75,500 | $ 55,000 |
| Fayetteville-Springdale-Rogers, AR | 6 | $ 576,000 | $ 96,000 | $ 92,000 |
| Flagstaff, AZ-UT | 6 | $ 1,133,000 | $ 188,833 | $ 100,000 |
| Fort Wayne, IN | 6 | $ 905,000 | $ 150,833 | $ 75,000 |
| Jackson, MI | 6 | $ 792,000 | $ 132,000 | $ 62,000 |
| Johnstown, PA | 6 | $ 479,000 | $ 79,833 | $ 79,000 |
| Kankakee, IL | 6 | $ 694,000 | $ 115,666 | $ 58,000 |
| Lubbock, TX | 6 | $ 715,000 | $ 119,166 | $ 97,000 |
| Merced, CA | 6 | $ 1,084,000 | $ 180,666 | $ 71,000 |
| Panama City, FL | 6 | $ 824,000 | $ 137,333 | $ 79,000 |
| Richland-Kennewick-Pasco, WA | 6 | $ 1,069,000 | $ 178,166 | $ 80,000 |
| Tyler, TX | 6 | $ 722,000 | $ 120,333 | $ 34,000 |
| Waco, TX | 6 | $ 1,243,000 | $ 207,166 | $ 139,000 |
| Bloomington, IN | 5 | $ 651,000 | $ 130,200 | $ 75,000 |
| Brazoria, TX | 5 | $ 628,000 | $ 125,600 | $ 50,000 |
| Champaign-Urbana, IL | 5 | $ 759,000 | $ 151,800 | $ 72,000 |
| Charleston, WV | 5 | $ 705,000 | $ 141,000 | $ 90,000 |
| Eugene-Springfield, OR | 5 | $ 629,000 | $ 125,800 | $ 30,000 |
| Galveston-Texas City, TX | 5 | $ 802,000 | $ 160,400 | $ 123,000 |
| Huntington-Ashland, WV-KY-OH | 5 | $ 787,000 | $ 157,400 | $ 76,000 |
| Odessa-Midland, TX | 5 | $ 1,385,000 | $ 277,000 | $ 135,000 |
| Parkersburg-Marietta, WV-OH | 5 | $ 936,000 | $ 187,200 | $ 108,000 |
| Springfield, MO | 5 | $ 424,000 | $ 84,800 | $ 57,000 |
| Tuscaloosa, AL | 5 | $ 836,000 | $ 167,200 | $ 183,000 |
| Williamsport, PA | 5 | $ 542,000 | $ 108,400 | $ 47,000 |
| Decatur, AL | 4 | $ 757,000 | $ 189,250 | $ 161,000 |
| Elkhart-Goshen, IN | 4 | $ 519,000 | $ 129,750 | $ 130,000 |
| Glens Falls, NY | 4 | $ 616,000 | $ 154,000 | $ 50,000 |
| Kenosha, WI | 4 | $ 478,000 | $ 119,500 | $ 0 |
| Lafayette, LA | 4 | $ 624,000 | $ 156,000 | $ 56,000 |
| Mansfield, OH | 4 | $ 346,000 | $ 86,500 | $ 64,000 |
| Medford-Ashland, OR | 4 | $ 1,157,000 | $ 289,250 | $ 134,000 |
| Monroe, LA | 4 | $ 419,000 | $ 104,750 | $ 60,000 |
| Salem, OR | 4 | $ 692,000 | $ 173,000 | $ 56,000 |
| Sherman-Denison, TX | 4 | $ 433,000 | $ 108,250 | $ 45,000 |
| Utica-Rome, NY | 4 | $ 385,000 | $ 96,250 | $ 68,000 |
| Yakima, WA | 4 | $ 633,000 | $ 158,250 | $ 94,000 |
| Yuba City, CA | 4 | $ 828,000 | $ 207,000 | $ 66,000 |
| Biloxi-Gulfport-Pascagoula, MS | 3 | $ 251,000 | $ 83,666 | $ 220,000 |
| Casper, WY | 3 | $ 757,000 | $ 252,333 | $ 1,100,000 |
| Dothan, AL | 3 | $ 289,000 | $ 96,333 | $ 51,000 |
| Evansville-Henderson, IN-KY | 3 | $ 503,000 | $ 167,666 | $ 72,000 |
| Florence, SC | 3 | $ 463,000 | $ 154,333 | $ 50,000 |
| Green Bay, WI | 3 | $ 750,000 | $ 250,000 | $ 66,000 |
| Greenville, NC | 3 | $ 289,000 | $ 96,333 | $ 47,000 |
| Jackson, TN | 3 | $ 282,000 | $ 94,000 | $ 245,000 |
| Joplin, MO | 3 | $ 317,000 | $ 105,666 | $ 19,000 |
| Kokomo, IN | 3 | $ 405,000 | $ 135,000 | $ 92,000 |
| Lawrence, KS | 3 | $ 505,000 | $ 168,333 | $ 62,000 |
| Lewiston-Auburn, ME | 3 | $ 317,000 | $ 105,666 | $ 64,000 |
| Pittsfield, MA | 3 | $ 665,000 | $ 221,666 | $ 99,000 |
| Racine, WI | 3 | $ 447,000 | $ 149,000 | $ 76,000 |
| Rocky Mount, NC | 3 | $ 679,000 | $ 226,333 | $ 100,000 |
| Sioux Falls, SD | 3 | $ 640,000 | $ 213,333 | $ 74,000 |
| St. Cloud, MN | 3 | $ 568,000 | $ 189,333 | $ 118,000 |
| Albany, GA | 2 | $ 394,000 | $ 197,000 | $ 132,000 |
| Altoona, PA | 2 | $ 93,000 | $ 46,500 | $ 70,000 |
| Bangor, ME | 2 | $ 341,000 | $ 170,500 | $ 195,000 |
| Binghamton, NY | 2 | $ 455,000 | $ 227,500 | $ 93,000 |
| Bloomington-Normal, IL | 2 | $ 190,000 | $ 95,000 | $ 43,000 |
| Brownsville-Harlingen-San Benito, TX | 2 | $ 105,000 | $ 52,500 | $ 10,000 |
| Bryan-College Station, TX | 2 | $ 304,000 | $ 152,000 | $ 220,000 |
| Clarksville-Hopkinsville, TN-KY | 2 | $ 209,000 | $ 104,500 | $ 30,000 |
| Corvallis, OR | 2 | $ 453,000 | $ 226,500 | $ 80,000 |
| Elmira, NY | 2 | $ 344,000 | $ 172,000 | $ 67,000 |
| Fort Smith, AR-OK | 2 | $ 200,000 | $ 100,000 | $ 43,000 |
| Goldsboro, NC | 2 | $ 366,000 | $ 183,000 | $ 61,000 |
| Houma, LA | 2 | $ 446,000 | $ 223,000 | $ 63,000 |
| Iowa City, IA | 2 | $ 472,000 | $ 236,000 | $ 87,000 |
| Janesville-Beloit, WI | 2 | $ 117,000 | $ 58,500 | $ 34,000 |
| La Crosse, WI-MN | 2 | $ 353,000 | $ 176,500 | $ 220,000 |
| Lake Charles, LA | 2 | $ 367,000 | $ 183,500 | $ 91,000 |
| Longview-Marshall, TX | 2 | $ 151,000 | $ 75,500 | $ 552,000 |
| Owensboro, KY | 2 | $ 209,000 | $ 104,500 | $ 68,000 |
| Sharon, PA | 2 | $ 271,000 | $ 135,500 | $ 48,000 |
| Sheboygan, WI | 2 | $ 301,000 | $ 150,500 | $ 75,000 |
| Springfield, IL | 2 | $ 292,000 | $ 146,000 | $ 53,000 |
| St. Joseph, MO | 2 | $ 167,000 | $ 83,500 | $ 50,000 |
| Texarkana, TX-AR | 2 | $ 227,000 | $ 113,500 | $ 48,000 |
| Wichita Falls, TX | 2 | $ 262,000 | $ 131,000 | $ 93,000 |
| Alexandria, LA | 1 | $ 184,000 | $ 184,000 | $ 61,000 |
| Amarillo, TX | 1 | $ 218,000 | $ 218,000 | $ 159,000 |
| Anniston, AL | 1 | $ 170,000 | $ 170,000 | $ 39,000 |
| Appleton-Oshkosh-Neenah, WI | 1 | $ 160,000 | $ 160,000 | $ 108,000 |
| Beaumont-Port Arthur, TX | 1 | $ 182,000 | $ 182,000 | $ 65,000 |
| Billings, MT | 1 | $ 39,000 | $ 39,000 | $ 0 |
| Bismarck, ND | 1 | $ 148,000 | $ 148,000 | $ 78,000 |
| Fargo-Moorhead, ND-MN | 1 | $ 185,000 | $ 185,000 | $ 90,000 |
| Grand Forks, ND-MN | 1 | $ 222,000 | $ 222,000 | $ 350,000 |
| Grand Junction, CO | 1 | $ 200,000 | $ 200,000 | $ 67,000 |
| Hattiesburg, MS | 1 | $ 193,000 | $ 193,000 | $ 141,000 |
| Laredo, TX | 1 | $ 209,000 | $ 209,000 | $ 208,000 |
| Lima, OH | 1 | $ 116,000 | $ 116,000 | $ 93,000 |
| McAllen-Edinburg-Mission, TX | 1 | $ 52,000 | $ 52,000 | $ 23,000 |
| Missoula, MT | 1 | $ 323,000 | $ 323,000 | $ 120,000 |
| Peoria-Pekin, IL | 1 | $ 147,000 | $ 147,000 | $ 64,000 |
| Pine Bluff, AR | 1 | $ 205,000 | $ 205,000 | $ 168,000 |
| Pocatello, ID | 1 | $ 165,000 | $ 165,000 | $ 100,000 |
| Rapid City, SD | 1 | $ 150,000 | $ 150,000 | $ 104,000 |
| Rochester, MN | 1 | $ 52,000 | $ 52,000 | $ 0 |
| San Angelo, TX | 1 | $ 53,000 | $ 53,000 | $ 53,000 |
| Sioux City, IA-NE | 1 | $ 182,000 | $ 182,000 | $ 81,000 |
| Steubenville-Weirton, OH-WV | 1 | $ 160,000 | $ 160,000 | $ 143,000 |
| Vineland-Millville-Bridgeton, NJ | 1 | $ 180,000 | $ 180,000 | $ 73,000 |
| Waterloo-Cedar Falls, IA | 1 | $ 90,000 | $ 90,000 | $ 49,000 |
| Wausau, WI | 1 | $ 265,000 | $ 265,000 | $ 144,000 |
| Wheeling, WV-OH | 1 | $ 194,000 | $ 194,000 | $ 276,000 |
Mortgage Loan Application Detail Totals for Everbank in 2003
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 (home purchase or home improvement, one-to-four family) | 34,837 | $7,326,860,000 | $183,823 | $1,900,000 | $96,666 | $5,400,000 |
| Home Purchase (one-to-four family) | 6,697 | $1,388,165,000 | $186,795 | $2,400,000 | $93,183 | $3,000,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 2 | $334,000 | $167,000 | $284,000 | $0 | $0 |
| Home Improvement (one-to-four family) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 23,751 | $4,908,987,000 | $179,196 | $2,400,000 | $97,901 | $3,000,000 |
| Information not provided by applicant in mail or telephone application | 9,389 | $2,036,290,000 | $195,980 | $1,500,000 | $96,823 | $5,400,000 |
| Asian or Pacific Islander | 4,490 | $1,073,367,000 | $211,378 | $1,000,000 | $89,513 | $2,160,000 |
| Hispanic | 1,817 | $330,265,000 | $147,594 | $640,000 | $78,270 | $1,104,000 |
| Black | 1,394 | $222,814,000 | $139,457 | $860,000 | $76,600 | $3,276,000 |
| Other | 428 | $88,481,000 | $187,942 | $910,000 | $95,628 | $1,800,000 |
| Not applicable | 153 | $31,151,000 | $197,833 | $880,000 | $0 | $0 |
| American Indian or Alaskan Native | 114 | $24,004,000 | $176,875 | $600,000 | $66,583 | $405,000 |
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) | 41,435 | $8,685,813,000 | $183,960 | $2,400,000 | $95,078 | $5,400,000 |
| VA-guaranteed (Veterans Administration) | 56 | $25,702,000 | $439,562 | $880,000 | $1,937 | $90,000 |
| FHA-insured (Federal Housing Administration) | 43 | $3,721,000 | $81,714 | $290,000 | $20,857 | $118,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $123,000 | $61,500 | $63,000 | $28,500 | $57,000 |
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 | 24,261 | $5,009,493,000 | $166,420 | $2,400,000 | $78,260 | $3,276,000 |
| Loan Purchased By The Institution | 10,061 | $2,221,643,000 | $199,450 | $1,000,000 | $95,411 | $2,700,000 |
| Application Approved But Not Accepted | 3,736 | $814,748,000 | $177,530 | $1,000,000 | $124,000 | $3,000,000 |
| Application Denied By Financial Institution | 1,845 | $336,912,000 | $148,200 | $1,490,000 | $96,022 | $5,400,000 |
| File Closed For Incompleteness | 1,052 | $225,011,000 | $185,021 | $1,900,000 | $84,586 | $2,160,000 |
| Application Withdrawn By Applicant | 581 | $107,552,000 | $135,820 | $1,729,000 | $66,948 | $1,603,000 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit History | 772 | $137,185,000 | $129,690 | $975,000 | $92,809 | $3,000,000 |
| Other | 309 | $62,368,000 | $189,625 | $875,000 | $140,875 | $1,800,000 |
| Debt-To-Income Ratio | 299 | $61,395,000 | $165,514 | $1,490,000 | $99,257 | $5,400,000 |
| Collateral | 207 | $34,121,000 | $146,756 | $860,000 | $84,756 | $792,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 162 | $22,087,000 | $125,100 | $598,000 | $56,366 | $325,000 |
| Employment History | 47 | $9,523,000 | $160,055 | $558,000 | $72,388 | $264,000 |
| Unverifiable Information | 38 | $8,349,000 | $197,500 | $670,000 | $68,750 | $284,000 |
| Credit Application Incomplete | 9 | $1,638,000 | $180,000 | $500,000 | $63,428 | $139,000 |
| Mortgage Insurance Denied | 2 | $246,000 | $123,000 | $145,000 | $108,000 | $121,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Everbank's 2003 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.
For a list of all lenders in Florida, download the full spreadsheet
with aggregated HMDA statistics today.
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