Everbank Mortgage Lending & HMDA Data, 2004
In 2004, Everbank of Jacksonville, FL reported 28,828 mortgage applications totaling $6.3 billion, down 31% from 2003. The average application was for $218,634, and applicants reported an average income of $78,551. 48% of its applications resulted in an originated loan and 6% were denied. Its largest markets were New York-Wayne-White Plains, NY-NJ (3,457), Los Angeles-Long Beach-Glendale, CA (2,727) and Chicago-Naperville-Joliet, IL (1,084) (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 | 28,828 |
| Total Mortgage Loan Application Amount | $6,302,788,000 |
| Average Mortgage Loan Application Amount | $218,634 |
| Highest Mortgage Loan Application Amount | $7,500,000 |
| Average Applicant Income | $78,551 |
| Highest Applicant Income | $3,779,000 |
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Disclosure Act (HMDA) records Everbank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| New York-Wayne-White Plains, NY-NJ | 3,457 | $ 928,275,000 | $ 268,520 | $ 82,000 |
| Los Angeles-Long Beach-Glendale, CA | 2,727 | $ 699,962,000 | $ 256,678 | $ 77,000 |
| Chicago-Naperville-Joliet, IL | 1,084 | $ 251,534,000 | $ 232,042 | $ 77,000 |
| Nassau-Suffolk, NY | 1,036 | $ 268,898,000 | $ 259,554 | $ 93,000 |
| Jacksonville, FL | 982 | $ 175,167,000 | $ 178,377 | $ 83,000 |
| Riverside-San Bernardino-Ontario, CA | 840 | $ 176,689,000 | $ 210,344 | $ 79,000 |
| Baltimore-Towson, MD | 829 | $ 170,157,000 | $ 205,255 | $ 76,000 |
| Bethesda-Frederick-Gaithersburg, MD | 824 | $ 212,658,000 | $ 258,080 | $ 93,000 |
| Santa Ana-Anaheim-Irvine, CA | 738 | $ 216,092,000 | $ 292,807 | $ 85,000 |
| Atlanta-Sandy Springs-Marietta, GA | 718 | $ 146,923,000 | $ 204,628 | $ 78,000 |
| Dallas-Plano-Irving, TX | 506 | $ 89,756,000 | $ 177,383 | $ 103,000 |
| Philadelphia, PA | 504 | $ 97,088,000 | $ 192,634 | $ 85,000 |
| Seattle-Bellevue-Everett, WA | 430 | $ 96,811,000 | $ 225,141 | $ 87,000 |
| Edison, NJ | 428 | $ 101,223,000 | $ 236,502 | $ 97,000 |
| Newark-Union, NJ-PA | 330 | $ 79,258,000 | $ 240,175 | $ 90,000 |
| Denver-Aurora, CO | 312 | $ 64,870,000 | $ 207,916 | $ 72,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 300 | $ 57,871,000 | $ 192,903 | $ 66,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 296 | $ 69,656,000 | $ 235,324 | $ 81,000 |
| San Diego-Carlsbad-San Marcos, CA | 294 | $ 81,798,000 | $ 278,224 | $ 79,000 |
| Oakland-Fremont-Hayward, CA | 288 | $ 79,967,000 | $ 277,663 | $ 82,000 |
| Orlando, FL | 230 | $ 38,299,000 | $ 166,517 | $ 63,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 212 | $ 53,083,000 | $ 250,391 | $ 91,000 |
| Fort Worth-Arlington, TX | 202 | $ 35,743,000 | $ 176,945 | $ 77,000 |
| Tampa-St. Petersburg-Clearwater, FL | 191 | $ 28,404,000 | $ 148,712 | $ 73,000 |
| Houston-Baytown-Sugar Land, TX | 183 | $ 12,767,000 | $ 69,765 | $ 51,000 |
| Charlotte-Gastonia-Concord, NC-SC | 180 | $ 29,812,000 | $ 165,622 | $ 61,000 |
| Phoenix-Mesa-Scottsdale, AZ | 178 | $ 30,279,000 | $ 170,106 | $ 102,000 |
| Colorado Springs, CO | 149 | $ 29,064,000 | $ 195,060 | $ 80,000 |
| Las Vegas-Paradise, NV | 142 | $ 32,168,000 | $ 226,535 | $ 110,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 135 | $ 36,594,000 | $ 271,066 | $ 101,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 134 | $ 33,942,000 | $ 253,298 | $ 139,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 130 | $ 24,099,000 | $ 185,376 | $ 68,000 |
| San Francisco-San Mateo-Redwood City, CA | 128 | $ 42,706,000 | $ 333,640 | $ 104,000 |
| Bridgeport-Stamford-Norwalk, CT | 125 | $ 37,651,000 | $ 301,208 | $ 113,000 |
| Boston-Quincy, MA | 122 | $ 30,413,000 | $ 249,286 | $ 75,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 121 | $ 35,527,000 | $ 293,611 | $ 90,000 |
| Camden, NJ | 120 | $ 19,519,000 | $ 162,658 | $ 70,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 119 | $ 18,179,000 | $ 152,764 | $ 73,000 |
| Indianapolis, IN | 116 | $ 16,002,000 | $ 137,948 | $ 61,000 |
| Cambridge-Newton-Framingham, MA | 115 | $ 29,388,000 | $ 255,547 | $ 89,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 115 | $ 18,532,000 | $ 161,147 | $ 65,000 |
| Warren-Farmington Hills-Troy, MI | 115 | $ 24,580,000 | $ 213,739 | $ 86,000 |
| San Antonio, TX | 106 | $ 7,229,000 | $ 68,198 | $ 34,000 |
| Lake County-Kenosha County, IL-WI | 102 | $ 25,570,000 | $ 250,686 | $ 78,000 |
| Miami-Miami Beach-Kendall, FL | 97 | $ 14,827,000 | $ 152,855 | $ 56,000 |
| Hartford-West Hartford-East Hartford, CT | 95 | $ 17,620,000 | $ 185,473 | $ 77,000 |
| Cleveland-Elyria-Mentor, OH | 91 | $ 13,220,000 | $ 145,274 | $ 80,000 |
| Bakersfield, CA | 83 | $ 12,343,000 | $ 148,710 | $ 59,000 |
| Fresno, CA | 81 | $ 11,303,000 | $ 139,543 | $ 51,000 |
| St. Louis, MO-IL | 80 | $ 11,928,000 | $ 149,100 | $ 103,000 |
| Providence-New Bedford-Fall River, RI-MA | 78 | $ 19,568,000 | $ 250,871 | $ 107,000 |
| Worcester, MA | 75 | $ 15,273,000 | $ 203,640 | $ 93,000 |
| Nashville-Davidson--Murfreesboro, TN | 72 | $ 9,516,000 | $ 132,166 | $ 55,000 |
| Richmond, VA | 72 | $ 12,282,000 | $ 170,583 | $ 82,000 |
| Pittsburgh, PA | 68 | $ 10,273,000 | $ 151,073 | $ 75,000 |
| Tacoma, WA | 68 | $ 11,321,000 | $ 166,485 | $ 59,000 |
| Kansas City, MO-KS | 67 | $ 4,491,000 | $ 67,029 | $ 33,000 |
| Stockton, CA | 67 | $ 14,654,000 | $ 218,716 | $ 73,000 |
| Columbus, OH | 66 | $ 10,936,000 | $ 165,696 | $ 74,000 |
| Detroit-Livonia-Dearborn, MI | 66 | $ 7,710,000 | $ 116,818 | $ 53,000 |
| New Haven-Milford, CT | 64 | $ 13,557,000 | $ 211,828 | $ 83,000 |
| Knoxville, TN | 61 | $ 10,504,000 | $ 172,196 | $ 73,000 |
| Rockingham County-Strafford County, NH | 59 | $ 12,024,000 | $ 203,796 | $ 82,000 |
| Raleigh-Cary, NC | 54 | $ 8,235,000 | $ 152,500 | $ 56,000 |
| Cape Coral-Fort Myers, FL | 52 | $ 8,801,000 | $ 169,250 | $ 83,000 |
| Portland-Vancouver-Beaverton, OR-WA | 52 | $ 9,433,000 | $ 181,403 | $ 57,000 |
| Trenton-Ewing, NJ | 52 | $ 10,538,000 | $ 202,653 | $ 96,000 |
| Milwaukee-Waukesha-West Allis, WI | 51 | $ 4,193,000 | $ 82,215 | $ 55,000 |
| New Orleans-Metairie-Kenner, LA | 51 | $ 6,124,000 | $ 120,078 | $ 52,000 |
| Essex County, MA | 50 | $ 11,667,000 | $ 233,340 | $ 84,000 |
| Wilmington, DE-MD-NJ | 50 | $ 8,850,000 | $ 177,000 | $ 91,000 |
| Portland-South Portland-Biddeford, ME | 49 | $ 10,076,000 | $ 205,632 | $ 64,000 |
| Memphis, TN-MS-AR | 48 | $ 4,493,000 | $ 93,604 | $ 45,000 |
| Birmingham-Hoover, AL | 45 | $ 5,025,000 | $ 111,666 | $ 64,000 |
| York-Hanover, PA | 45 | $ 6,140,000 | $ 136,444 | $ 66,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 42 | $ 5,087,000 | $ 121,119 | $ 70,000 |
| Austin-Round Rock, TX | 41 | $ 5,779,000 | $ 140,951 | $ 69,000 |
| Albany-Schenectady-Troy, NY | 39 | $ 5,734,000 | $ 147,025 | $ 82,000 |
| Anchorage, AK | 37 | $ 5,126,000 | $ 138,540 | $ 55,000 |
| Little Rock-North Little Rock, AR | 36 | $ 2,007,000 | $ 55,750 | $ 26,000 |
| Oklahoma City, OK | 36 | $ 3,494,000 | $ 97,055 | $ 44,000 |
| Rochester, NY | 36 | $ 3,303,000 | $ 91,750 | $ 54,000 |
| Tucson, AZ | 36 | $ 4,694,000 | $ 130,388 | $ 52,000 |
| Vallejo-Fairfield, CA | 35 | $ 8,245,000 | $ 235,571 | $ 57,000 |
| Asheville, NC | 34 | $ 5,918,000 | $ 174,058 | $ 67,000 |
| Cincinnati-Middletown, OH-KY-IN | 34 | $ 5,846,000 | $ 171,941 | $ 75,000 |
| Modesto, CA | 34 | $ 6,302,000 | $ 185,352 | $ 58,000 |
| Atlantic City, NJ | 32 | $ 5,669,000 | $ 177,156 | $ 70,000 |
| Louisville, KY-IN | 32 | $ 3,788,000 | $ 118,375 | $ 61,000 |
| Manchester-Nashua, NH | 32 | $ 6,623,000 | $ 206,968 | $ 65,000 |
| Naples-Marco Island, FL | 32 | $ 7,853,000 | $ 245,406 | $ 99,000 |
| Sarasota-Bradenton-Venice, FL | 32 | $ 6,959,000 | $ 217,468 | $ 84,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 31 | $ 5,356,000 | $ 172,774 | $ 58,000 |
| Tulsa, OK | 31 | $ 2,095,000 | $ 67,580 | $ 43,000 |
| Springfield, MA | 30 | $ 4,717,000 | $ 157,233 | $ 66,000 |
| Lansing-East Lansing, MI | 29 | $ 6,859,000 | $ 236,517 | $ 103,000 |
| Palm Bay-Melbourne-Titusville, FL | 29 | $ 3,004,000 | $ 103,586 | $ 50,000 |
| Boulder, CO | 28 | $ 7,565,000 | $ 270,178 | $ 84,000 |
| Reno-Sparks, NV | 28 | $ 5,614,000 | $ 200,500 | $ 68,000 |
| Buffalo-Niagara Falls, NY | 27 | $ 3,239,000 | $ 119,962 | $ 80,000 |
| Charleston-North Charleston, SC | 27 | $ 5,406,000 | $ 200,222 | $ 89,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 27 | $ 4,392,000 | $ 162,666 | $ 89,000 |
| Rockford, IL | 27 | $ 2,620,000 | $ 97,037 | $ 138,000 |
| Akron, OH | 25 | $ 2,976,000 | $ 119,040 | $ 66,000 |
| Jackson, MS | 25 | $ 1,462,000 | $ 58,480 | $ 30,000 |
| Greeley, CO | 24 | $ 4,672,000 | $ 194,666 | $ 74,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 24 | $ 6,240,000 | $ 260,000 | $ 67,000 |
| Syracuse, NY | 24 | $ 1,868,000 | $ 77,833 | $ 49,000 |
| Durham, NC | 23 | $ 3,677,000 | $ 159,869 | $ 55,000 |
| Fort Collins-Loveland, CO | 23 | $ 4,137,000 | $ 179,869 | $ 72,000 |
| Norwich-New London, CT | 23 | $ 4,136,000 | $ 179,826 | $ 70,000 |
| Albuquerque, NM | 22 | $ 3,691,000 | $ 167,772 | $ 58,000 |
| Gary, IN | 22 | $ 2,561,000 | $ 116,409 | $ 49,000 |
| Greenville, SC | 22 | $ 3,905,000 | $ 177,500 | $ 53,000 |
| Harrisburg-Carlisle, PA | 22 | $ 3,400,000 | $ 154,545 | $ 94,000 |
| San Luis Obispo-Paso Robles, CA | 22 | $ 5,096,000 | $ 231,636 | $ 88,000 |
| Santa Rosa-Petaluma, CA | 22 | $ 6,009,000 | $ 273,136 | $ 73,000 |
| Charlottesville, VA | 21 | $ 3,850,000 | $ 183,333 | $ 67,000 |
| Dayton, OH | 21 | $ 2,729,000 | $ 129,952 | $ 62,000 |
| Mobile, AL | 21 | $ 1,580,000 | $ 75,238 | $ 48,000 |
| Omaha-Council Bluffs, NE-IA | 21 | $ 2,639,000 | $ 125,666 | $ 40,000 |
| Visalia-Porterville, CA | 21 | $ 2,608,000 | $ 124,190 | $ 45,000 |
| Augusta-Richmond County, GA-SC | 20 | $ 4,522,000 | $ 226,100 | $ 73,000 |
| Huntsville, AL | 20 | $ 3,622,000 | $ 181,100 | $ 124,000 |
| Ocean City, NJ | 20 | $ 4,653,000 | $ 232,650 | $ 141,000 |
| Ann Arbor, MI | 19 | $ 4,608,000 | $ 242,526 | $ 113,000 |
| Baton Rouge, LA | 19 | $ 2,487,000 | $ 130,894 | $ 67,000 |
| Bremerton-Silverdale, WA | 19 | $ 3,759,000 | $ 197,842 | $ 86,000 |
| Canton-Massillon, OH | 19 | $ 1,876,000 | $ 98,736 | $ 92,000 |
| Fayetteville, NC | 19 | $ 1,728,000 | $ 90,947 | $ 55,000 |
| Gainesville, FL | 19 | $ 2,034,000 | $ 107,052 | $ 50,000 |
| Lincoln, NE | 19 | $ 3,157,000 | $ 166,157 | $ 60,000 |
| Ocala, FL | 19 | $ 1,924,000 | $ 101,263 | $ 51,000 |
| Savannah, GA | 19 | $ 3,807,000 | $ 200,368 | $ 78,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 18 | $ 2,479,000 | $ 137,722 | $ 54,000 |
| Grand Rapids-Wyoming, MI | 18 | $ 2,695,000 | $ 149,722 | $ 58,000 |
| Lancaster, PA | 18 | $ 2,984,000 | $ 165,777 | $ 105,000 |
| Salt Lake City, UT | 18 | $ 3,666,000 | $ 203,666 | $ 80,000 |
| Youngstown-Warren-Boardman, OH-PA | 18 | $ 550,000 | $ 30,555 | $ 0 |
| Barnstable Town, MA | 17 | $ 3,964,000 | $ 233,176 | $ 75,000 |
| Greensboro-High Point, NC | 17 | $ 2,013,000 | $ 118,411 | $ 49,000 |
| Hagerstown-Martinsburg, MD-WV | 17 | $ 3,891,000 | $ 228,882 | $ 98,000 |
| Honolulu, HI | 17 | $ 4,352,000 | $ 256,000 | $ 88,000 |
| Lakeland, FL | 17 | $ 1,881,000 | $ 110,647 | $ 45,000 |
| Port St. Lucie-Fort Pierce, FL | 17 | $ 2,674,000 | $ 157,294 | $ 96,000 |
| Winchester, VA-WV | 17 | $ 2,826,000 | $ 166,235 | $ 73,000 |
| Des Moines, IA | 16 | $ 2,674,000 | $ 167,125 | $ 67,000 |
| Kingston, NY | 16 | $ 3,263,000 | $ 203,937 | $ 69,000 |
| Roanoke, VA | 16 | $ 2,698,000 | $ 168,625 | $ 60,000 |
| Tallahassee, FL | 16 | $ 1,943,000 | $ 121,437 | $ 54,000 |
| Burlington-South Burlington, VT | 15 | $ 2,541,000 | $ 169,400 | $ 42,000 |
| Charleston, WV | 15 | $ 1,324,000 | $ 88,266 | $ 52,000 |
| Prescott, AZ | 15 | $ 2,205,000 | $ 147,000 | $ 46,000 |
| Punta Gorda, FL | 15 | $ 2,064,000 | $ 137,600 | $ 43,000 |
| Wilmington, NC | 15 | $ 2,831,000 | $ 188,733 | $ 49,000 |
| Columbia, SC | 14 | $ 1,766,000 | $ 126,142 | $ 19,000 |
| Gainesville, GA | 14 | $ 2,256,000 | $ 161,142 | $ 60,000 |
| Wichita, KS | 14 | $ 1,604,000 | $ 114,571 | $ 91,000 |
| Montgomery, AL | 13 | $ 1,137,000 | $ 87,461 | $ 33,000 |
| Reading, PA | 13 | $ 1,969,000 | $ 151,461 | $ 62,000 |
| Boise City-Nampa, ID | 12 | $ 1,758,000 | $ 146,500 | $ 80,000 |
| Fort Wayne, IN | 12 | $ 1,177,000 | $ 98,083 | $ 49,000 |
| Salinas, CA | 12 | $ 3,291,000 | $ 274,250 | $ 91,000 |
| El Paso, TX | 11 | $ 615,000 | $ 55,909 | $ 15,000 |
| Madison, WI | 11 | $ 1,820,000 | $ 165,454 | $ 65,000 |
| Salisbury, MD | 11 | $ 1,160,000 | $ 105,454 | $ 66,000 |
| St. Joseph, MO-KS | 11 | $ 400,000 | $ 36,363 | $ 0 |
| State College, PA | 11 | $ 1,974,000 | $ 179,454 | $ 81,000 |
| Flint, MI | 10 | $ 1,074,000 | $ 107,400 | $ 31,000 |
| Lawton, OK | 10 | $ 504,000 | $ 50,400 | $ 17,000 |
| Merced, CA | 10 | $ 1,397,000 | $ 139,700 | $ 51,000 |
| Muncie, IN | 10 | $ 1,259,000 | $ 125,900 | $ 88,000 |
| Winston-Salem, NC | 10 | $ 1,308,000 | $ 130,800 | $ 48,000 |
| Burlington, NC | 9 | $ 645,000 | $ 71,666 | $ 11,000 |
| Corpus Christi, TX | 9 | $ 479,000 | $ 53,222 | $ 15,000 |
| Hickory-Lenoir-Morganton, NC | 9 | $ 1,979,000 | $ 219,888 | $ 115,000 |
| Killeen-Temple-Fort Hood, TX | 9 | $ 352,000 | $ 39,111 | $ 15,000 |
| Lynchburg, VA | 9 | $ 1,538,000 | $ 170,888 | $ 104,000 |
| Salem, OR | 9 | $ 1,603,000 | $ 178,111 | $ 85,000 |
| Santa Cruz-Watsonville, CA | 9 | $ 2,637,000 | $ 293,000 | $ 98,000 |
| Shreveport-Bossier City, LA | 9 | $ 807,000 | $ 89,666 | $ 71,000 |
| Toledo, OH | 9 | $ 1,225,000 | $ 136,111 | $ 65,000 |
| Eugene-Springfield, OR | 8 | $ 1,150,000 | $ 143,750 | $ 14,000 |
| Hanford-Corcoran, CA | 8 | $ 1,240,000 | $ 155,000 | $ 52,000 |
| Lafayette, LA | 8 | $ 1,087,000 | $ 135,875 | $ 75,000 |
| Lake Charles, LA | 8 | $ 1,117,000 | $ 139,625 | $ 78,000 |
| Redding, CA | 8 | $ 1,311,000 | $ 163,875 | $ 55,000 |
| Beaumont-Port Arthur, TX | 7 | $ 438,000 | $ 62,571 | $ 23,000 |
| Chattanooga, TN-GA | 7 | $ 861,000 | $ 123,000 | $ 39,000 |
| Chico, CA | 7 | $ 1,358,000 | $ 194,000 | $ 48,000 |
| Columbus, GA-AL | 7 | $ 1,024,000 | $ 146,285 | $ 74,000 |
| Fort Walton Beach-Crestview-Destin, FL | 7 | $ 932,000 | $ 133,142 | $ 40,000 |
| Lafayette, IN | 7 | $ 998,000 | $ 142,571 | $ 73,000 |
| Lexington-Fayette, KY | 7 | $ 628,000 | $ 89,714 | $ 14,000 |
| Morgantown, WV | 7 | $ 1,393,000 | $ 199,000 | $ 85,000 |
| Olympia, WA | 7 | $ 1,398,000 | $ 199,714 | $ 36,000 |
| Pensacola-Ferry Pass-Brent, FL | 7 | $ 734,000 | $ 104,857 | $ 18,000 |
| Racine, WI | 7 | $ 675,000 | $ 96,428 | $ 57,000 |
| Santa Fe, NM | 7 | $ 1,427,000 | $ 203,857 | $ 66,000 |
| Springfield, MO | 7 | $ 575,000 | $ 82,142 | $ 25,000 |
| Topeka, KS | 7 | $ 882,000 | $ 126,000 | $ 53,000 |
| El Centro, CA | 6 | $ 598,000 | $ 99,666 | $ 43,000 |
| Flagstaff, AZ | 6 | $ 1,114,000 | $ 185,666 | $ 91,000 |
| Huntington-Ashland, WV-KY-OH | 6 | $ 211,000 | $ 35,166 | $ 18,000 |
| Ogden-Clearfield, UT | 6 | $ 757,000 | $ 126,166 | $ 30,000 |
| Pascagoula, MS | 6 | $ 322,000 | $ 53,666 | $ 16,000 |
| Spokane, WA | 6 | $ 678,000 | $ 113,000 | $ 65,000 |
| Wenatchee, WA | 6 | $ 1,004,000 | $ 167,333 | $ 95,000 |
| Billings, MT | 5 | $ 611,000 | $ 122,200 | $ 51,000 |
| Cheyenne, WY | 5 | $ 737,000 | $ 147,400 | $ 62,000 |
| Corvallis, OR | 5 | $ 896,000 | $ 179,200 | $ 81,000 |
| Erie, PA | 5 | $ 336,000 | $ 67,200 | $ 16,000 |
| Las Cruces, NM | 5 | $ 686,000 | $ 137,200 | $ 38,000 |
| Medford, OR | 5 | $ 611,000 | $ 122,200 | $ 6,000 |
| Monroe, MI | 5 | $ 1,048,000 | $ 209,600 | $ 79,000 |
| Napa, CA | 5 | $ 1,219,000 | $ 243,800 | $ 44,000 |
| Pine Bluff, AR | 5 | $ 176,000 | $ 35,200 | $ 15,000 |
| Pittsfield, MA | 5 | $ 1,596,000 | $ 319,200 | $ 215,000 |
| Rochester, MN | 5 | $ 640,000 | $ 128,000 | $ 56,000 |
| Texarkana, Tx-Texarkana, AR | 5 | $ 343,000 | $ 68,600 | $ 16,000 |
| Vero Beach, FL | 5 | $ 775,000 | $ 155,000 | $ 90,000 |
| Vineland-Millville-Bridgeton, NJ | 5 | $ 666,000 | $ 133,200 | $ 72,000 |
| Abilene, TX | 4 | $ 125,000 | $ 31,250 | $ 10,000 |
| Athens-Clarke County, GA | 4 | $ 1,382,000 | $ 345,500 | $ 121,000 |
| Blacksburg-Christiansburg-Radford, VA | 4 | $ 433,000 | $ 108,250 | $ 129,000 |
| Hattiesburg, MS | 4 | $ 258,000 | $ 64,500 | $ 11,000 |
| Iowa City, IA | 4 | $ 748,000 | $ 187,000 | $ 148,000 |
| Jackson, MI | 4 | $ 466,000 | $ 116,500 | $ 28,000 |
| Jackson, TN | 4 | $ 329,000 | $ 82,250 | $ 32,000 |
| Jacksonville, NC | 4 | $ 751,000 | $ 187,750 | $ 110,000 |
| Lubbock, TX | 4 | $ 344,000 | $ 86,000 | $ 24,000 |
| Macon, GA | 4 | $ 375,000 | $ 93,750 | $ 71,000 |
| Oshkosh-Neenah, WI | 4 | $ 266,000 | $ 66,500 | $ 26,000 |
| Panama City-Lynn Haven, FL | 4 | $ 971,000 | $ 242,750 | $ 109,000 |
| Scranton--Wilkes-Barre, PA | 4 | $ 311,000 | $ 77,750 | $ 48,000 |
| Utica-Rome, NY | 4 | $ 445,000 | $ 111,250 | $ 72,000 |
| Bellingham, WA | 3 | $ 657,000 | $ 219,000 | $ 84,000 |
| Bloomington-Normal, IL | 3 | $ 345,000 | $ 115,000 | $ 61,000 |
| Brownsville-Harlingen, TX | 3 | $ 235,000 | $ 78,333 | $ 0 |
| Brunswick, GA | 3 | $ 3,372,000 | $ 1,124,000 | $ 90,000 |
| Carson City, NV | 3 | $ 659,000 | $ 219,666 | $ 84,000 |
| Casper, WY | 3 | $ 584,000 | $ 194,666 | $ 110,000 |
| Cedar Rapids, IA | 3 | $ 606,000 | $ 202,000 | $ 73,000 |
| Champaign-Urbana, IL | 3 | $ 309,000 | $ 103,000 | $ 31,000 |
| College Station-Bryan, TX | 3 | $ 269,000 | $ 89,666 | $ 47,000 |
| Cumberland, MD-WV | 3 | $ 284,000 | $ 94,666 | $ 0 |
| Danville, IL | 3 | $ 192,000 | $ 64,000 | $ 37,000 |
| Danville, VA | 3 | $ 201,000 | $ 67,000 | $ 39,000 |
| Davenport-Moline-Rock Island, IA-IL | 3 | $ 407,000 | $ 135,666 | $ 52,000 |
| Dover, DE | 3 | $ 217,000 | $ 72,333 | $ 33,000 |
| Elkhart-Goshen, IN | 3 | $ 196,000 | $ 65,333 | $ 61,000 |
| Gulfport-Biloxi, MS | 3 | $ 464,000 | $ 154,666 | $ 41,000 |
| Harrisonburg, VA | 3 | $ 442,000 | $ 147,333 | $ 38,000 |
| Janesville, WI | 3 | $ 214,000 | $ 71,333 | $ 0 |
| Joplin, MO | 3 | $ 365,000 | $ 121,666 | $ 92,000 |
| Laredo, TX | 3 | $ 139,000 | $ 46,333 | $ 5,000 |
| Lebanon, PA | 3 | $ 461,000 | $ 153,666 | $ 94,000 |
| Lewiston-Auburn, ME | 3 | $ 401,000 | $ 133,666 | $ 74,000 |
| Longview, WA | 3 | $ 382,000 | $ 127,333 | $ 78,000 |
| Madera, CA | 3 | $ 308,000 | $ 102,666 | $ 15,000 |
| McAllen-Edinburg-Pharr, TX | 3 | $ 130,000 | $ 43,333 | $ 22,000 |
| Morristown, TN | 3 | $ 311,000 | $ 103,666 | $ 38,000 |
| Odessa, TX | 3 | $ 138,000 | $ 46,000 | $ 38,000 |
| Parkersburg-Marietta, WV-OH | 3 | $ 187,000 | $ 62,333 | $ 20,000 |
| Pueblo, CO | 3 | $ 371,000 | $ 123,666 | $ 54,000 |
| Rocky Mount, NC | 3 | $ 597,000 | $ 199,000 | $ 50,000 |
| South Bend-Mishawaka, IN-MI | 3 | $ 307,000 | $ 102,333 | $ 84,000 |
| Spartanburg, SC | 3 | $ 327,000 | $ 109,000 | $ 19,000 |
| Springfield, IL | 3 | $ 507,000 | $ 169,000 | $ 55,000 |
| Valdosta, GA | 3 | $ 283,000 | $ 94,333 | $ 41,000 |
| Waco, TX | 3 | $ 118,000 | $ 39,333 | $ 33,000 |
| Yakima, WA | 3 | $ 116,000 | $ 38,666 | $ 0 |
| Yuba City, CA | 3 | $ 558,000 | $ 186,000 | $ 80,000 |
| Albany, GA | 2 | $ 215,000 | $ 107,500 | $ 11,000 |
| Altoona, PA | 2 | $ 85,000 | $ 42,500 | $ 0 |
| Anderson, IN | 2 | $ 322,000 | $ 161,000 | $ 69,000 |
| Auburn-Opelika, AL | 2 | $ 385,000 | $ 192,500 | $ 96,000 |
| Bangor, ME | 2 | $ 135,000 | $ 67,500 | $ 101,000 |
| Battle Creek, MI | 2 | $ 410,000 | $ 205,000 | $ 83,000 |
| Binghamton, NY | 2 | $ 119,000 | $ 59,500 | $ 31,000 |
| Coeur D'Alene, ID | 2 | $ 400,000 | $ 200,000 | $ 79,000 |
| Florence, SC | 2 | $ 213,000 | $ 106,500 | $ 30,000 |
| Fort Smith, AR-OK | 2 | $ 267,000 | $ 133,500 | $ 43,000 |
| Glens Falls, NY | 2 | $ 395,000 | $ 197,500 | $ 100,000 |
| Goldsboro, NC | 2 | $ 312,000 | $ 156,000 | $ 50,000 |
| Hot Springs, AR | 2 | $ 105,000 | $ 52,500 | $ 0 |
| Houma-Bayou Cane-Thibodaux, LA | 2 | $ 233,000 | $ 116,500 | $ 64,000 |
| Jonesboro, AR | 2 | $ 80,000 | $ 40,000 | $ 14,000 |
| Kalamazoo-Portage, MI | 2 | $ 319,000 | $ 159,500 | $ 54,000 |
| Kennewick-Richland-Pasco, WA | 2 | $ 143,000 | $ 71,500 | $ 43,000 |
| Lawrence, KS | 2 | $ 399,000 | $ 199,500 | $ 75,000 |
| Logan, UT-ID | 2 | $ 351,000 | $ 175,500 | $ 231,000 |
| Longview, TX | 2 | $ 254,000 | $ 127,000 | $ 80,000 |
| Mansfield, OH | 2 | $ 200,000 | $ 100,000 | $ 32,000 |
| Rome, GA | 2 | $ 412,000 | $ 206,000 | $ 79,000 |
| San Angelo, TX | 2 | $ 68,000 | $ 34,000 | $ 42,000 |
| Sandusky, OH | 2 | $ 298,000 | $ 149,000 | $ 58,000 |
| Sioux Falls, SD | 2 | $ 192,000 | $ 96,000 | $ 54,000 |
| St. Cloud, MN | 2 | $ 218,000 | $ 109,000 | $ 0 |
| Tyler, TX | 2 | $ 262,000 | $ 131,000 | $ 93,000 |
| Victoria, TX | 2 | $ 127,000 | $ 63,500 | $ 58,000 |
| Warner Robins, GA | 2 | $ 223,000 | $ 111,500 | $ 74,000 |
| Williamsport, PA | 2 | $ 137,000 | $ 68,500 | $ 12,000 |
| Yuma, AZ | 2 | $ 492,000 | $ 246,000 | $ 100,000 |
| Alexandria, LA | 1 | $ 87,000 | $ 87,000 | $ 0 |
| Anderson, SC | 1 | $ 32,000 | $ 32,000 | $ 0 |
| Anniston-Oxford, AL | 1 | $ 212,000 | $ 212,000 | $ 88,000 |
| Bowling Green, KY | 1 | $ 140,000 | $ 140,000 | $ 35,000 |
| Cleveland, TN | 1 | $ 50,000 | $ 50,000 | $ 0 |
| Columbia, MO | 1 | $ 33,000 | $ 33,000 | $ 0 |
| Dalton, GA | 1 | $ 79,000 | $ 79,000 | $ 70,000 |
| Decatur, AL | 1 | $ 57,000 | $ 57,000 | $ 0 |
| Decatur, IL | 1 | $ 20,000 | $ 20,000 | $ 0 |
| Dothan, AL | 1 | $ 77,000 | $ 77,000 | $ 38,000 |
| Duluth, MN-WI | 1 | $ 9,000 | $ 9,000 | $ 0 |
| Evansville, IN-KY | 1 | $ 165,000 | $ 165,000 | $ 84,000 |
| Gadsden, AL | 1 | $ 65,000 | $ 65,000 | $ 39,000 |
| Grand Junction, CO | 1 | $ 217,000 | $ 217,000 | $ 60,000 |
| Great Falls, MT | 1 | $ 80,000 | $ 80,000 | $ 0 |
| Green Bay, WI | 1 | $ 123,000 | $ 123,000 | $ 0 |
| Greenville, NC | 1 | $ 68,000 | $ 68,000 | $ 0 |
| Hinesville-Fort Stewart, GA | 1 | $ 49,000 | $ 49,000 | $ 28,000 |
| Holland-Grand Haven, MI | 1 | $ 135,000 | $ 135,000 | $ 106,000 |
| Idaho Falls, ID | 1 | $ 111,000 | $ 111,000 | $ 46,000 |
| Ithaca, NY | 1 | $ 88,000 | $ 88,000 | $ 129,000 |
| Johnson City, TN | 1 | $ 168,000 | $ 168,000 | $ 66,000 |
| Kankakee-Bradley, IL | 1 | $ 60,000 | $ 60,000 | $ 0 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 49,000 | $ 49,000 | $ 48,000 |
| La Crosse, WI-MN | 1 | $ 223,000 | $ 223,000 | $ 101,000 |
| Lima, OH | 1 | $ 184,000 | $ 184,000 | $ 74,000 |
| Michigan City-La Porte, IN | 1 | $ 46,000 | $ 46,000 | $ 0 |
| Midland, TX | 1 | $ 38,000 | $ 38,000 | $ 0 |
| Monroe, LA | 1 | $ 25,000 | $ 25,000 | $ 10,000 |
| Mount Vernon-Anacortes, WA | 1 | $ 151,000 | $ 151,000 | $ 48,000 |
| Niles-Benton Harbor, MI | 1 | $ 194,000 | $ 194,000 | $ 124,000 |
| Provo-Orem, UT | 1 | $ 72,000 | $ 72,000 | $ 0 |
| Saginaw-Saginaw Township North, MI | 1 | $ 35,000 | $ 35,000 | $ 34,000 |
| Sheboygan, WI | 1 | $ 81,000 | $ 81,000 | $ 0 |
| Sioux City, IA-NE-SD | 1 | $ 267,000 | $ 267,000 | $ 107,000 |
| St. George, UT | 1 | $ 212,000 | $ 212,000 | $ 190,000 |
| Tuscaloosa, AL | 1 | $ 66,000 | $ 66,000 | $ 41,000 |
| Waterloo-Cedar Falls, IA | 1 | $ 12,000 | $ 12,000 | $ 0 |
| Wausau, WI | 1 | $ 188,000 | $ 188,000 | $ 103,000 |
| Wheeling, WV-OH | 1 | $ 165,000 | $ 165,000 | $ 73,000 |
| Wichita Falls, TX | 1 | $ 130,000 | $ 130,000 | $ 44,000 |
Mortgage Loan Application Detail Totals for Everbank in 2004
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 | 16,392 | $3,486,394,000 | $170,200 | $7,500,000 | $66,140 | $3,779,000 |
| Home Purchase | 11,645 | $2,639,585,000 | $178,760 | $4,000,000 | $78,180 | $2,582,000 |
| Home Improvement | 791 | $176,809,000 | $171,000 | $1,875,000 | $71,853 | $900,000 |
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 | 13,422 | $2,944,863,000 | $185,313 | $7,500,000 | $77,549 | $3,779,000 |
| Asian | 4,952 | $1,372,430,000 | $210,025 | $2,328,000 | $84,051 | $2,582,000 |
| Not Provided | 4,784 | $1,030,262,000 | $180,740 | $5,000,000 | $78,260 | $3,600,000 |
| Hispanic | 2,564 | $552,930,000 | $204,935 | $1,000,000 | $64,129 | $533,000 |
| Not applicable | 1,477 | $118,259,000 | $87,500 | $628,000 | $23,540 | $600,000 |
| Black or African American | 1,439 | $243,145,000 | $142,500 | $1,875,000 | $59,552 | $1,196,000 |
| Native Hawaiian or Other Pacific Islander | 113 | $26,886,000 | $173,631 | $576,000 | $68,105 | $351,000 |
| American Indian or Alaskan Native | 77 | $14,013,000 | $166,545 | $690,000 | $61,590 | $491,000 |
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) | 28,532 | $6,291,910,000 | $173,901 | $7,500,000 | $72,078 | $3,779,000 |
| FHA-insured (Federal Housing Administration) | 294 | $10,623,000 | $47,658 | $274,000 | $1,585 | $70,000 |
| VA-guaranteed (Veterans Administration) | 2 | $255,000 | $127,500 | $194,000 | $26,000 | $52,000 |
| 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 | 13,924 | $2,998,956,000 | $173,740 | $5,000,000 | $69,340 | $3,779,000 |
| Loan Purchased By The Institution | 9,138 | $2,064,909,000 | $162,117 | $3,000,000 | $71,313 | $2,254,000 |
| Application Approved But Not Accepted | 2,619 | $588,706,000 | $186,458 | $4,000,000 | $75,833 | $1,802,000 |
| Application Denied By Financial Institution | 1,814 | $364,517,000 | $172,425 | $7,500,000 | $68,936 | $800,000 |
| Application Withdrawn By Applicant | 819 | $174,649,000 | $157,377 | $1,200,000 | $58,444 | $1,500,000 |
| File Closed For Incompleteness | 514 | $111,051,000 | $173,604 | $4,100,000 | $73,302 | $961,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit History | 853 | $158,879,000 | $146,727 | $1,000,000 | $67,363 | $800,000 |
| Other | 380 | $94,344,000 | $208,263 | $7,500,000 | $72,000 | $750,000 |
| Debt-To-Income Ratio | 275 | $53,280,000 | $167,000 | $1,280,000 | $50,611 | $492,000 |
| Collateral | 196 | $31,735,000 | $162,500 | $600,000 | $77,800 | $750,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 38 | $8,656,000 | $219,750 | $660,000 | $61,812 | $242,000 |
| Unverifiable Information | 36 | $8,963,000 | $227,312 | $1,300,000 | $79,937 | $379,000 |
| Employment History | 29 | $5,567,000 | $165,933 | $480,000 | $60,133 | $220,000 |
| Credit Application Incomplete | 5 | $2,682,000 | $536,400 | $1,875,000 | $43,400 | $86,000 |
| Mortgage Insurance Denied | 2 | $411,000 | $205,500 | $320,000 | $74,000 | $127,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Everbank's 2004 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.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About