Everbank Mortgage Lending & HMDA Data, 2007
In 2007, Everbank of Jacksonville, FL reported 35,539 mortgage applications totaling $8.4 billion, up 26% from 2006. The average application was for $235,571, and applicants reported an average income of $84,915. 45% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Denver-Aurora, CO (1,938), Chicago-Naperville-Joliet, IL (1,897) and New York-White Plains-Wayne, NY-NJ (1,419) (applications in parentheses).
| Mortgage Company & Address | Everbank 8100 Nations Way Jacksonville, FL 32256 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 35,539 |
| Total Mortgage Loan Application Amount | $8,371,983,000 |
| Average Mortgage Loan Application Amount | $235,571 |
| Highest Mortgage Loan Application Amount | $8,800,000 |
| Average Applicant Income | $84,915 |
| Highest Applicant Income | $4,992,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Everbank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Denver-Aurora, CO | 1,938 | $ 418,333,000 | $ 215,858 | $ 85,000 |
| Chicago-Naperville-Joliet, IL | 1,897 | $ 492,820,000 | $ 259,789 | $ 94,000 |
| New York-White Plains-Wayne, NY-NJ | 1,419 | $ 481,375,000 | $ 339,235 | $ 113,043 |
| Phoenix-Mesa-Scottsdale, AZ | 1,150 | $ 301,754,000 | $ 262,394 | $ 101,000 |
| Jacksonville, FL | 924 | $ 199,223,000 | $ 215,609 | $ 95,000 |
| Atlanta-Sandy Springs-Marietta, GA | 898 | $ 187,365,000 | $ 208,646 | $ 67,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 859 | $ 255,663,000 | $ 297,628 | $ 100,903 |
| Dallas-Plano-Irving, TX | 720 | $ 127,741,000 | $ 177,418 | $ 81,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 644 | $ 114,412,000 | $ 177,658 | $ 35,049 |
| Des Moines-West Des Moines, IA | 642 | $ 102,039,000 | $ 158,939 | $ 80,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 629 | $ 187,175,000 | $ 297,575 | $ 104,000 |
| Philadelphia, PA | 613 | $ 145,940,000 | $ 238,075 | $ 102,000 |
| Edison, NJ | 568 | $ 168,988,000 | $ 297,514 | $ 110,000 |
| St. Louis, MO-IL | 567 | $ 87,042,000 | $ 153,513 | $ 56,878 |
| Baltimore-Towson, MD | 552 | $ 134,513,000 | $ 243,682 | $ 87,000 |
| Nassau-Suffolk, NY | 478 | $ 155,842,000 | $ 326,029 | $ 112,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 453 | $ 262,365,000 | $ 579,172 | $ 161,000 |
| Greeley, CO | 403 | $ 81,593,000 | $ 202,464 | $ 86,000 |
| Orlando-Kissimmee, FL | 402 | $ 87,218,000 | $ 216,960 | $ 55,000 |
| Boulder, CO | 400 | $ 111,173,000 | $ 277,932 | $ 111,000 |
| Los Angeles-Long Beach-Glendale, CA | 394 | $ 143,860,000 | $ 365,126 | $ 101,000 |
| Houston-Sugar Land-Baytown, TX | 383 | $ 42,934,000 | $ 112,099 | $ 49,000 |
| Oakland-Fremont-Hayward, CA | 375 | $ 174,156,000 | $ 464,416 | $ 130,000 |
| Salt Lake City, UT | 365 | $ 89,903,000 | $ 246,309 | $ 93,000 |
| Tucson, AZ | 335 | $ 76,627,000 | $ 228,737 | $ 100,000 |
| Newark-Union, NJ-PA | 332 | $ 99,839,000 | $ 300,719 | $ 104,325 |
| Bethesda-Gaithersburg-Frederick, MD | 325 | $ 99,387,000 | $ 305,806 | $ 96,000 |
| Kansas City, MO-KS | 310 | $ 37,882,000 | $ 122,200 | $ 29,383 |
| Las Vegas-Paradise, NV | 296 | $ 64,336,000 | $ 217,351 | $ 63,000 |
| Boston-Quincy, MA | 281 | $ 74,448,000 | $ 264,939 | $ 74,000 |
| San Francisco-San Mateo-Redwood City, CA | 280 | $ 169,180,000 | $ 604,214 | $ 179,000 |
| Lake County-Kenosha County, IL-WI | 279 | $ 71,018,000 | $ 254,544 | $ 99,598 |
| Tampa-St. Petersburg-Clearwater, FL | 275 | $ 50,954,000 | $ 185,287 | $ 47,000 |
| Providence-New Bedford-Fall River, RI-MA | 268 | $ 60,600,000 | $ 226,119 | $ 89,000 |
| Charlotte-Gastonia-Concord, NC-SC | 253 | $ 56,206,000 | $ 222,158 | $ 90,150 |
| Fort Worth-Arlington, TX | 241 | $ 37,537,000 | $ 155,755 | $ 90,000 |
| Hartford-West Hartford-East Hartford, CT | 239 | $ 53,559,000 | $ 224,096 | $ 98,000 |
| Bridgeport-Stamford-Norwalk, CT | 238 | $ 93,001,000 | $ 390,760 | $ 120,000 |
| Omaha-Council Bluffs, NE-IA | 235 | $ 44,378,000 | $ 188,842 | $ 113,259 |
| Prescott, AZ | 230 | $ 61,849,000 | $ 268,908 | $ 100,000 |
| Fort Collins-Loveland, CO | 222 | $ 46,087,000 | $ 207,599 | $ 81,000 |
| Cambridge-Newton-Framingham, MA | 215 | $ 51,064,000 | $ 237,506 | $ 51,000 |
| Warren-Troy-Farmington Hills, MI | 210 | $ 33,223,000 | $ 158,204 | $ 24,000 |
| Colorado Springs, CO | 203 | $ 41,456,000 | $ 204,216 | $ 79,000 |
| Riverside-San Bernardino-Ontario, CA | 199 | $ 55,600,000 | $ 279,396 | $ 87,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 196 | $ 48,027,000 | $ 245,035 | $ 87,000 |
| Sioux Falls, SD | 192 | $ 31,415,000 | $ 163,619 | $ 80,000 |
| Austin-Round Rock, TX | 191 | $ 40,536,000 | $ 212,230 | $ 116,000 |
| San Diego-Carlsbad-San Marcos, CA | 181 | $ 65,873,000 | $ 363,939 | $ 102,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 163 | $ 36,839,000 | $ 226,006 | $ 73,000 |
| Albuquerque, NM | 161 | $ 26,897,000 | $ 167,062 | $ 77,000 |
| Worcester, MA | 161 | $ 32,893,000 | $ 204,304 | $ 74,000 |
| Stockton, CA | 160 | $ 45,195,000 | $ 282,468 | $ 84,000 |
| Santa Ana-Anaheim-Irvine, CA | 155 | $ 65,467,000 | $ 422,367 | $ 112,000 |
| Seattle-Bellevue-Everett, WA | 154 | $ 48,191,000 | $ 312,928 | $ 79,000 |
| Indianapolis-Carmel, IN | 153 | $ 17,921,000 | $ 117,130 | $ 26,000 |
| Detroit-Livonia-Dearborn, MI | 145 | $ 17,417,000 | $ 120,117 | $ 15,000 |
| New Haven-Milford, CT | 144 | $ 30,614,000 | $ 212,597 | $ 71,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 140 | $ 31,363,000 | $ 224,021 | $ 64,000 |
| Camden, NJ | 133 | $ 26,503,000 | $ 199,270 | $ 71,000 |
| Portland-Vancouver-Beaverton, OR-WA | 129 | $ 29,677,000 | $ 230,054 | $ 81,860 |
| Cincinnati-Middletown, OH-KY-IN | 121 | $ 11,890,000 | $ 98,264 | $ 13,528 |
| San Antonio, TX | 121 | $ 14,869,000 | $ 122,884 | $ 50,000 |
| Miami-Miami Beach-Kendall, FL | 114 | $ 37,179,000 | $ 326,131 | $ 96,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 111 | $ 18,199,000 | $ 163,954 | $ 44,054 |
| Richmond, VA | 106 | $ 21,651,000 | $ 204,254 | $ 57,000 |
| Ogden-Clearfield, UT | 105 | $ 23,093,000 | $ 219,933 | $ 71,000 |
| Provo-Orem, UT | 105 | $ 31,619,000 | $ 301,133 | $ 108,000 |
| Columbus, OH | 102 | $ 18,653,000 | $ 182,872 | $ 47,000 |
| Knoxville, TN | 101 | $ 22,402,000 | $ 221,801 | $ 103,000 |
| Rockingham County-Strafford County, NH | 99 | $ 29,632,000 | $ 299,313 | $ 92,000 |
| Peabody, MA | 92 | $ 23,210,000 | $ 252,282 | $ 59,000 |
| Santa Fe, NM | 86 | $ 30,123,000 | $ 350,267 | $ 155,000 |
| Portland-South Portland-Biddeford, ME | 84 | $ 21,928,000 | $ 261,047 | $ 93,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 82 | $ 12,849,000 | $ 156,695 | $ 90,000 |
| Cleveland-Elyria-Mentor, OH | 79 | $ 13,244,000 | $ 167,645 | $ 48,000 |
| Pittsburgh, PA | 78 | $ 9,617,000 | $ 123,294 | $ 52,000 |
| Springfield, MO | 78 | $ 8,623,000 | $ 110,551 | $ 32,000 |
| Cape Coral-Fort Myers, FL | 72 | $ 18,300,000 | $ 254,166 | $ 66,000 |
| Raleigh-Cary, NC | 70 | $ 11,745,000 | $ 167,785 | $ 41,000 |
| Birmingham-Hoover, AL | 69 | $ 6,897,000 | $ 99,956 | $ 32,000 |
| Vallejo-Fairfield, CA | 66 | $ 18,559,000 | $ 281,196 | $ 87,000 |
| Barnstable Town, MA | 65 | $ 18,841,000 | $ 289,861 | $ 89,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 64 | $ 13,232,000 | $ 206,750 | $ 62,000 |
| Memphis, TN-MS-AR | 63 | $ 9,381,000 | $ 148,904 | $ 30,539 |
| Manchester-Nashua, NH | 62 | $ 13,440,000 | $ 216,774 | $ 66,000 |
| Gary, IN | 59 | $ 8,994,000 | $ 152,440 | $ 51,000 |
| Wilmington, DE-MD-NJ | 58 | $ 12,209,000 | $ 210,500 | $ 77,310 |
| Augusta-Richmond County, GA-SC | 56 | $ 9,604,000 | $ 171,500 | $ 55,303 |
| Oklahoma City, OK | 56 | $ 8,728,000 | $ 155,857 | $ 52,000 |
| Trenton-Ewing, NJ | 56 | $ 15,303,000 | $ 273,267 | $ 119,000 |
| Lincoln, NE | 54 | $ 2,280,000 | $ 42,222 | $ 17,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 53 | $ 12,058,000 | $ 227,509 | $ 91,811 |
| Tacoma, WA | 51 | $ 10,169,000 | $ 199,392 | $ 60,000 |
| York-Hanover, PA | 50 | $ 9,038,000 | $ 180,760 | $ 51,000 |
| Milwaukee-Waukesha-West Allis, WI | 49 | $ 8,107,000 | $ 165,448 | $ 30,000 |
| Billings, MT | 48 | $ 9,755,000 | $ 203,229 | $ 77,000 |
| Port St. Lucie, FL | 48 | $ 10,867,000 | $ 226,395 | $ 40,000 |
| Sarasota-Bradenton-Venice, FL | 47 | $ 13,882,000 | $ 295,361 | $ 191,000 |
| Atlantic City, NJ | 45 | $ 11,732,000 | $ 260,711 | $ 96,000 |
| Lake Havasu City-Kingman, AZ | 45 | $ 8,873,000 | $ 197,177 | $ 142,000 |
| Lakeland, FL | 45 | $ 8,583,000 | $ 190,733 | $ 31,000 |
| Louisville-Jefferson County, KY-IN | 45 | $ 13,591,000 | $ 302,022 | $ 39,222 |
| New Orleans-Metairie-Kenner, LA | 45 | $ 7,891,000 | $ 175,355 | $ 53,000 |
| Boise City-Nampa, ID | 44 | $ 9,087,000 | $ 206,522 | $ 67,000 |
| Palm Bay-Melbourne-Titusville, FL | 44 | $ 7,655,000 | $ 173,977 | $ 54,000 |
| Springfield, MA | 44 | $ 6,303,000 | $ 143,250 | $ 42,000 |
| Fresno, CA | 42 | $ 7,988,000 | $ 190,190 | $ 64,000 |
| Modesto, CA | 42 | $ 10,333,000 | $ 246,023 | $ 79,000 |
| Tulsa, OK | 42 | $ 4,856,000 | $ 115,619 | $ 37,000 |
| Harrisburg-Carlisle, PA | 41 | $ 6,341,000 | $ 154,658 | $ 82,000 |
| Norwich-New London, CT | 41 | $ 9,287,000 | $ 226,512 | $ 65,000 |
| Evansville, IN-KY | 40 | $ 3,779,000 | $ 94,475 | $ 48,250 |
| Grand Rapids-Wyoming, MI | 40 | $ 5,610,000 | $ 140,250 | $ 40,000 |
| Akron, OH | 39 | $ 5,751,000 | $ 147,461 | $ 67,000 |
| Cedar Rapids, IA | 39 | $ 4,956,000 | $ 127,076 | $ 65,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 38 | $ 13,808,000 | $ 363,368 | $ 89,000 |
| Salinas, CA | 37 | $ 14,287,000 | $ 386,135 | $ 113,000 |
| Buffalo-Niagara Falls, NY | 36 | $ 4,220,000 | $ 117,222 | $ 66,000 |
| Durham, NC | 36 | $ 6,044,000 | $ 167,888 | $ 54,000 |
| Hickory-Lenoir-Morganton, NC | 34 | $ 6,952,000 | $ 204,470 | $ 93,000 |
| Bakersfield, CA | 32 | $ 5,838,000 | $ 182,437 | $ 124,000 |
| Huntsville, AL | 32 | $ 2,021,000 | $ 63,156 | $ 10,000 |
| Naples-Marco Island, FL | 32 | $ 9,167,000 | $ 286,468 | $ 84,000 |
| Burlington-South Burlington, VT | 31 | $ 7,111,000 | $ 229,387 | $ 73,000 |
| Davenport-Moline-Rock Island, IA-IL | 31 | $ 2,777,000 | $ 89,580 | $ 45,129 |
| Flagstaff, AZ | 31 | $ 10,371,000 | $ 334,548 | $ 183,000 |
| Rockford, IL | 31 | $ 3,899,000 | $ 125,774 | $ 60,000 |
| Santa Cruz-Watsonville, CA | 31 | $ 14,721,000 | $ 474,870 | $ 168,000 |
| Baton Rouge, LA | 30 | $ 2,558,000 | $ 85,266 | $ 25,000 |
| Iowa City, IA | 30 | $ 4,714,000 | $ 157,133 | $ 61,000 |
| Kingston, NY | 30 | $ 7,114,000 | $ 237,133 | $ 97,000 |
| Ocean City, NJ | 30 | $ 7,854,000 | $ 261,800 | $ 128,000 |
| Rapid City, SD | 30 | $ 3,456,000 | $ 115,200 | $ 65,000 |
| Ann Arbor, MI | 29 | $ 5,036,000 | $ 173,655 | $ 17,000 |
| Charleston-North Charleston, SC | 29 | $ 7,176,000 | $ 247,448 | $ 76,000 |
| Dayton, OH | 29 | $ 3,141,000 | $ 108,310 | $ 17,000 |
| Hagerstown-Martinsburg, MD-WV | 29 | $ 6,233,000 | $ 214,931 | $ 77,689 |
| Fayetteville, NC | 28 | $ 1,380,000 | $ 49,285 | $ 9,000 |
| San Luis Obispo-Paso Robles, CA | 28 | $ 9,769,000 | $ 348,892 | $ 121,000 |
| Honolulu, HI | 27 | $ 9,143,000 | $ 338,629 | $ 100,000 |
| Jackson, MS | 27 | $ 2,027,000 | $ 75,074 | $ 27,000 |
| Punta Gorda, FL | 27 | $ 7,119,000 | $ 263,666 | $ 95,000 |
| Scranton--Wilkes-Barre, PA | 27 | $ 3,367,000 | $ 124,703 | $ 61,000 |
| Yuba City, CA | 27 | $ 6,008,000 | $ 222,518 | $ 67,000 |
| Columbia, SC | 26 | $ 3,349,000 | $ 128,807 | $ 20,000 |
| Pensacola-Ferry Pass-Brent, FL | 26 | $ 4,843,000 | $ 186,269 | $ 91,000 |
| Peoria, IL | 26 | $ 2,360,000 | $ 90,769 | $ 44,000 |
| Santa Rosa-Petaluma, CA | 26 | $ 10,948,000 | $ 421,076 | $ 148,000 |
| Wichita, KS | 26 | $ 2,280,000 | $ 87,692 | $ 52,000 |
| Ames, IA | 25 | $ 3,168,000 | $ 126,720 | $ 69,000 |
| Ocala, FL | 25 | $ 3,618,000 | $ 144,720 | $ 44,000 |
| Columbia, MO | 24 | $ 2,802,000 | $ 116,750 | $ 37,000 |
| Greensboro-High Point, NC | 24 | $ 3,917,000 | $ 163,208 | $ 41,000 |
| Merced, CA | 24 | $ 5,991,000 | $ 249,625 | $ 79,000 |
| Syracuse, NY | 24 | $ 2,137,000 | $ 89,041 | $ 47,000 |
| Wilmington, NC | 24 | $ 5,704,000 | $ 237,666 | $ 56,000 |
| Asheville, NC | 23 | $ 3,598,000 | $ 156,434 | $ 49,000 |
| Chico, CA | 23 | $ 5,634,000 | $ 244,956 | $ 60,000 |
| Corpus Christi, TX | 23 | $ 3,494,000 | $ 151,913 | $ 87,000 |
| Cheyenne, WY | 22 | $ 4,051,000 | $ 184,136 | $ 90,000 |
| Canton-Massillon, OH | 21 | $ 3,839,000 | $ 182,809 | $ 43,000 |
| Grand Junction, CO | 21 | $ 4,533,000 | $ 215,857 | $ 80,000 |
| Greenville-Mauldin-Easley, SC | 21 | $ 2,726,000 | $ 129,809 | $ 41,000 |
| Lancaster, PA | 21 | $ 2,683,000 | $ 127,761 | $ 46,000 |
| Little Rock-North Little Rock-Conway, AR | 21 | $ 2,061,000 | $ 98,142 | $ 85,000 |
| Mobile, AL | 21 | $ 1,476,000 | $ 70,285 | $ 28,000 |
| Rochester, NY | 21 | $ 2,048,000 | $ 97,523 | $ 40,000 |
| Duluth, MN-WI | 20 | $ 1,828,000 | $ 91,400 | $ 27,550 |
| Lawrence, KS | 20 | $ 837,000 | $ 41,850 | $ 4,000 |
| Montgomery, AL | 20 | $ 1,622,000 | $ 81,100 | $ 19,000 |
| Palm Coast, FL | 20 | $ 3,735,000 | $ 186,750 | $ 42,000 |
| Sebastian-Vero Beach, FL | 20 | $ 3,231,000 | $ 161,550 | $ 65,000 |
| Toledo, OH | 20 | $ 2,228,000 | $ 111,400 | $ 52,000 |
| Reading, PA | 19 | $ 3,022,000 | $ 159,052 | $ 70,000 |
| Shreveport-Bossier City, LA | 19 | $ 1,048,000 | $ 55,157 | $ 9,000 |
| Yuma, AZ | 19 | $ 3,154,000 | $ 166,000 | $ 68,000 |
| Albany-Schenectady-Troy, NY | 18 | $ 3,551,000 | $ 197,277 | $ 106,000 |
| Auburn-Opelika, AL | 18 | $ 2,053,000 | $ 114,055 | $ 20,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 18 | $ 3,888,000 | $ 216,000 | $ 76,000 |
| Pueblo, CO | 18 | $ 2,534,000 | $ 140,777 | $ 59,000 |
| Reno-Sparks, NV | 18 | $ 5,410,000 | $ 300,555 | $ 97,000 |
| Spokane, WA | 18 | $ 5,571,000 | $ 309,500 | $ 29,000 |
| Anchorage, AK | 17 | $ 3,126,000 | $ 183,882 | $ 57,000 |
| Athens-Clarke County, GA | 17 | $ 2,203,000 | $ 129,588 | $ 93,000 |
| Brunswick, GA | 17 | $ 3,089,000 | $ 181,705 | $ 100,000 |
| Chattanooga, TN-GA | 17 | $ 1,966,000 | $ 115,647 | $ 40,823 |
| Gainesville, FL | 17 | $ 1,828,000 | $ 107,529 | $ 11,000 |
| Gulfport-Biloxi, MS | 16 | $ 2,172,000 | $ 135,750 | $ 87,000 |
| Lafayette, LA | 16 | $ 1,715,000 | $ 107,187 | $ 64,000 |
| South Bend-Mishawaka, IN-MI | 16 | $ 1,688,000 | $ 105,500 | $ 49,750 |
| Youngstown-Warren-Boardman, OH-PA | 16 | $ 1,351,000 | $ 84,437 | $ 1,000 |
| Columbus, GA-AL | 15 | $ 2,341,000 | $ 156,066 | $ 38,066 |
| Fort Walton Beach-Crestview-Destin, FL | 15 | $ 3,361,000 | $ 224,066 | $ 80,000 |
| Joplin, MO | 15 | $ 878,000 | $ 58,533 | $ 22,000 |
| Lansing-East Lansing, MI | 15 | $ 1,734,000 | $ 115,600 | $ 30,000 |
| Muncie, IN | 15 | $ 1,039,000 | $ 69,266 | $ 38,000 |
| Bloomington, IN | 14 | $ 1,422,000 | $ 101,571 | $ 50,000 |
| Lexington-Fayette, KY | 14 | $ 1,753,000 | $ 125,214 | $ 32,000 |
| Madison, WI | 14 | $ 2,489,000 | $ 177,785 | $ 36,000 |
| McAllen-Edinburg-Mission, TX | 14 | $ 3,255,000 | $ 232,500 | $ 59,000 |
| Tallahassee, FL | 14 | $ 1,785,000 | $ 127,500 | $ 34,000 |
| Visalia-Porterville, CA | 14 | $ 2,429,000 | $ 173,500 | $ 60,000 |
| Fort Wayne, IN | 13 | $ 1,091,000 | $ 83,923 | $ 35,000 |
| Gainesville, GA | 13 | $ 3,449,000 | $ 265,307 | $ 57,000 |
| Lynchburg, VA | 13 | $ 2,714,000 | $ 208,769 | $ 81,000 |
| St. Cloud, MN | 13 | $ 1,117,000 | $ 85,923 | $ 22,000 |
| Topeka, KS | 13 | $ 502,000 | $ 38,615 | $ 14,000 |
| Waterloo-Cedar Falls, IA | 13 | $ 1,256,000 | $ 96,615 | $ 32,000 |
| Winchester, VA-WV | 13 | $ 2,853,000 | $ 219,461 | $ 70,000 |
| Winston-Salem, NC | 13 | $ 2,999,000 | $ 230,692 | $ 51,000 |
| Eugene-Springfield, OR | 12 | $ 2,332,000 | $ 194,333 | $ 74,000 |
| Holland-Grand Haven, MI | 12 | $ 1,739,000 | $ 144,916 | $ 17,000 |
| Sioux City, IA-NE-SD | 12 | $ 1,305,000 | $ 108,750 | $ 56,000 |
| St. George, UT | 12 | $ 2,835,000 | $ 236,250 | $ 133,000 |
| El Paso, TX | 11 | $ 1,238,000 | $ 112,545 | $ 44,000 |
| Flint, MI | 11 | $ 1,322,000 | $ 120,181 | $ 28,000 |
| Idaho Falls, ID | 11 | $ 1,507,000 | $ 137,000 | $ 55,000 |
| Kankakee-Bradley, IL | 11 | $ 1,757,000 | $ 159,727 | $ 68,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 11 | $ 13,536,000 | $ 1,230,545 | $ 147,000 |
| Savannah, GA | 11 | $ 2,617,000 | $ 237,909 | $ 136,000 |
| St. Joseph, MO-KS | 11 | $ 1,052,000 | $ 95,636 | $ 44,000 |
| Clarksville, TN-KY | 10 | $ 1,045,000 | $ 104,500 | $ 46,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 10 | $ 1,179,000 | $ 117,900 | $ 66,900 |
| Lake Charles, LA | 10 | $ 372,000 | $ 37,200 | $ 9,000 |
| Las Cruces, NM | 10 | $ 2,475,000 | $ 247,500 | $ 110,000 |
| Lubbock, TX | 10 | $ 1,051,000 | $ 105,100 | $ 28,000 |
| Missoula, MT | 10 | $ 1,624,000 | $ 162,400 | $ 79,000 |
| Appleton, WI | 9 | $ 508,000 | $ 56,444 | $ 20,000 |
| Bend, OR | 9 | $ 2,029,000 | $ 225,444 | $ 83,000 |
| Charleston, WV | 9 | $ 717,000 | $ 79,666 | $ 26,000 |
| Charlottesville, VA | 9 | $ 3,034,000 | $ 337,111 | $ 142,000 |
| Greenville, NC | 9 | $ 2,943,000 | $ 327,000 | $ 36,000 |
| Kalamazoo-Portage, MI | 9 | $ 1,336,000 | $ 148,444 | $ 49,000 |
| Kennewick-Richland-Pasco, WA | 9 | $ 788,000 | $ 87,555 | $ 30,000 |
| Killeen-Temple-Fort Hood, TX | 9 | $ 1,008,000 | $ 112,000 | $ 38,000 |
| Napa, CA | 9 | $ 3,986,000 | $ 442,888 | $ 120,000 |
| Roanoke, VA | 9 | $ 2,008,000 | $ 223,111 | $ 97,000 |
| Rochester, MN | 9 | $ 915,000 | $ 101,666 | $ 41,000 |
| Utica-Rome, NY | 9 | $ 1,222,000 | $ 135,777 | $ 65,000 |
| Alexandria, LA | 8 | $ 753,000 | $ 94,125 | $ 38,000 |
| Bremerton-Silverdale, WA | 8 | $ 1,235,000 | $ 154,375 | $ 58,000 |
| Champaign-Urbana, IL | 8 | $ 915,000 | $ 114,375 | $ 50,000 |
| Cleveland, TN | 8 | $ 1,103,000 | $ 137,875 | $ 53,000 |
| Columbus, IN | 8 | $ 946,000 | $ 118,250 | $ 37,000 |
| Danville, IL | 8 | $ 594,000 | $ 74,250 | $ 49,000 |
| Elkhart-Goshen, IN | 8 | $ 785,000 | $ 98,125 | $ 38,000 |
| Houma-Bayou Cane-Thibodaux, LA | 8 | $ 771,000 | $ 96,375 | $ 62,000 |
| Johnson City, TN | 8 | $ 9,584,000 | $ 1,198,000 | $ 47,000 |
| Morristown, TN | 8 | $ 878,000 | $ 109,750 | $ 54,000 |
| Sherman-Denison, TX | 8 | $ 3,333,000 | $ 416,625 | $ 53,000 |
| State College, PA | 8 | $ 1,417,000 | $ 177,125 | $ 45,000 |
| Terre Haute, IN | 8 | $ 634,000 | $ 79,250 | $ 14,000 |
| Warner Robins, GA | 8 | $ 369,000 | $ 46,125 | $ 7,000 |
| Abilene, TX | 7 | $ 671,000 | $ 95,857 | $ 47,000 |
| Amarillo, TX | 7 | $ 759,000 | $ 108,428 | $ 64,000 |
| Battle Creek, MI | 7 | $ 1,070,000 | $ 152,857 | $ 20,000 |
| College Station-Bryan, TX | 7 | $ 1,720,000 | $ 245,714 | $ 22,000 |
| Decatur, AL | 7 | $ 337,000 | $ 48,142 | $ 2,000 |
| Dover, DE | 7 | $ 1,429,000 | $ 204,142 | $ 57,000 |
| Fargo, ND-MN | 7 | $ 813,000 | $ 116,142 | $ 29,714 |
| Fort Smith, AR-OK | 7 | $ 582,000 | $ 83,142 | $ 22,857 |
| Great Falls, MT | 7 | $ 1,167,000 | $ 166,714 | $ 50,000 |
| Madera, CA | 7 | $ 1,831,000 | $ 261,571 | $ 87,000 |
| Michigan City-La Porte, IN | 7 | $ 780,000 | $ 111,428 | $ 47,000 |
| Panama City-Lynn Haven, FL | 7 | $ 2,098,000 | $ 299,714 | $ 165,000 |
| Salem, OR | 7 | $ 1,022,000 | $ 146,000 | $ 37,000 |
| Salisbury, MD | 7 | $ 1,637,000 | $ 233,857 | $ 72,000 |
| Wausau, WI | 7 | $ 629,000 | $ 89,857 | $ 52,000 |
| Wheeling, WV-OH | 7 | $ 597,000 | $ 85,285 | $ 132,428 |
| Albany, GA | 6 | $ 753,000 | $ 125,500 | $ 32,000 |
| Anderson, SC | 6 | $ 779,000 | $ 129,833 | $ 29,000 |
| Binghamton, NY | 6 | $ 721,000 | $ 120,166 | $ 152,000 |
| Blacksburg-Christiansburg-Radford, VA | 6 | $ 387,000 | $ 64,500 | $ 24,000 |
| Grand Forks, ND-MN | 6 | $ 576,000 | $ 96,000 | $ 116,000 |
| Hanford-Corcoran, CA | 6 | $ 964,000 | $ 160,666 | $ 38,000 |
| Rocky Mount, NC | 6 | $ 407,000 | $ 67,833 | $ 43,000 |
| Rome, GA | 6 | $ 831,000 | $ 138,500 | $ 21,000 |
| Tuscaloosa, AL | 6 | $ 784,000 | $ 130,666 | $ 135,000 |
| Tyler, TX | 6 | $ 1,443,000 | $ 240,500 | $ 8,000 |
| Valdosta, GA | 6 | $ 742,000 | $ 123,666 | $ 50,000 |
| Anderson, IN | 5 | $ 598,000 | $ 119,600 | $ 25,000 |
| Beaumont-Port Arthur, TX | 5 | $ 970,000 | $ 194,000 | $ 43,000 |
| Bismarck, ND | 5 | $ 102,000 | $ 20,400 | $ 0 |
| Brownsville-Harlingen, TX | 5 | $ 254,000 | $ 50,800 | $ 32,000 |
| Dothan, AL | 5 | $ 529,000 | $ 105,800 | $ 22,000 |
| Harrisonburg, VA | 5 | $ 1,152,000 | $ 230,400 | $ 177,000 |
| Jackson, TN | 5 | $ 182,000 | $ 36,400 | $ 6,000 |
| Jacksonville, NC | 5 | $ 197,000 | $ 39,400 | $ 0 |
| Kingsport-Bristol-Bristol, TN-VA | 5 | $ 919,000 | $ 183,800 | $ 53,400 |
| Longview, TX | 5 | $ 442,000 | $ 88,400 | $ 52,000 |
| Medford, OR | 5 | $ 774,000 | $ 154,800 | $ 34,000 |
| Muskegon-Norton Shores, MI | 5 | $ 337,000 | $ 67,400 | $ 0 |
| Pascagoula, MS | 5 | $ 674,000 | $ 134,800 | $ 29,000 |
| Saginaw-Saginaw Township North, MI | 5 | $ 426,000 | $ 85,200 | $ 24,000 |
| Spartanburg, SC | 5 | $ 680,000 | $ 136,000 | $ 46,000 |
| Waco, TX | 5 | $ 380,000 | $ 76,000 | $ 30,000 |
| Yakima, WA | 5 | $ 383,000 | $ 76,600 | $ 43,000 |
| Bloomington-Normal, IL | 4 | $ 507,000 | $ 126,750 | $ 48,000 |
| Burlington, NC | 4 | $ 466,000 | $ 116,500 | $ 61,000 |
| Dubuque, IA | 4 | $ 404,000 | $ 101,000 | $ 51,000 |
| Goldsboro, NC | 4 | $ 183,000 | $ 45,750 | $ 10,000 |
| Hattiesburg, MS | 4 | $ 243,000 | $ 60,750 | $ 31,000 |
| Jefferson City, MO | 4 | $ 275,000 | $ 68,750 | $ 30,000 |
| Macon, GA | 4 | $ 256,000 | $ 64,000 | $ 18,000 |
| Niles-Benton Harbor, MI | 4 | $ 1,257,000 | $ 314,250 | $ 84,000 |
| Olympia, WA | 4 | $ 713,000 | $ 178,250 | $ 262,000 |
| Parkersburg-Marietta-Vienna, WV-OH | 4 | $ 224,000 | $ 56,000 | $ 35,000 |
| Sandusky, OH | 4 | $ 537,000 | $ 134,250 | $ 0 |
| Springfield, IL | 4 | $ 279,000 | $ 69,750 | $ 37,000 |
| Sumter, SC | 4 | $ 351,000 | $ 87,750 | $ 14,000 |
| Vineland-Millville-Bridgeton, NJ | 4 | $ 418,000 | $ 104,500 | $ 56,000 |
| Altoona, PA | 3 | $ 374,000 | $ 124,666 | $ 43,000 |
| Bellingham, WA | 3 | $ 248,000 | $ 82,666 | $ 66,000 |
| Casper, WY | 3 | $ 482,000 | $ 160,666 | $ 77,000 |
| Coeur D'Alene, ID | 3 | $ 526,000 | $ 175,333 | $ 83,000 |
| Danville, VA | 3 | $ 502,000 | $ 167,333 | $ 92,000 |
| Elmira, NY | 3 | $ 191,000 | $ 63,666 | $ 10,000 |
| Erie, PA | 3 | $ 324,000 | $ 108,000 | $ 9,000 |
| Farmington, NM | 3 | $ 529,000 | $ 176,333 | $ 81,000 |
| Florence, SC | 3 | $ 262,000 | $ 87,333 | $ 76,000 |
| Green Bay, WI | 3 | $ 636,000 | $ 212,000 | $ 80,000 |
| Hot Springs, AR | 3 | $ 759,000 | $ 253,000 | $ 64,000 |
| Ithaca, NY | 3 | $ 2,430,000 | $ 810,000 | $ 33,000 |
| Jackson, MI | 3 | $ 354,000 | $ 118,000 | $ 10,000 |
| Janesville, WI | 3 | $ 205,000 | $ 68,333 | $ 26,000 |
| Jonesboro, AR | 3 | $ 198,000 | $ 66,000 | $ 31,000 |
| Kokomo, IN | 3 | $ 198,000 | $ 66,000 | $ 18,000 |
| La Crosse, WI-MN | 3 | $ 876,000 | $ 292,000 | $ 450,000 |
| Lafayette, IN | 3 | $ 350,000 | $ 116,666 | $ 24,000 |
| Monroe, MI | 3 | $ 307,000 | $ 102,333 | $ 47,000 |
| Morgantown, WV | 3 | $ 368,000 | $ 122,666 | $ 694,000 |
| Mount Vernon-Anacortes, WA | 3 | $ 507,000 | $ 169,000 | $ 63,000 |
| Pine Bluff, AR | 3 | $ 141,000 | $ 47,000 | $ 32,000 |
| Pittsfield, MA | 3 | $ 442,000 | $ 147,333 | $ 74,000 |
| San Angelo, TX | 3 | $ 2,307,000 | $ 769,000 | $ 130,000 |
| Dalton, GA | 2 | $ 258,000 | $ 129,000 | $ 28,000 |
| Decatur, IL | 2 | $ 363,000 | $ 181,500 | $ 77,000 |
| Florence-Muscle Shoals, AL | 2 | $ 46,000 | $ 23,000 | $ 0 |
| Hinesville-Fort Stewart, GA | 2 | $ 221,000 | $ 110,500 | $ 30,000 |
| Johnstown, PA | 2 | $ 160,000 | $ 80,000 | $ 77,000 |
| Laredo, TX | 2 | $ 265,000 | $ 132,500 | $ 0 |
| Lawton, OK | 2 | $ 82,000 | $ 41,000 | $ 23,000 |
| Lewiston-Auburn, ME | 2 | $ 139,000 | $ 69,500 | $ 22,000 |
| Logan, UT-ID | 2 | $ 834,000 | $ 417,000 | $ 131,000 |
| Longview, WA | 2 | $ 542,000 | $ 271,000 | $ 52,000 |
| Mansfield, OH | 2 | $ 182,000 | $ 91,000 | $ 0 |
| Monroe, LA | 2 | $ 126,000 | $ 63,000 | $ 0 |
| Odessa, TX | 2 | $ 153,000 | $ 76,500 | $ 36,000 |
| Oshkosh-Neenah, WI | 2 | $ 281,000 | $ 140,500 | $ 0 |
| Owensboro, KY | 2 | $ 154,000 | $ 77,000 | $ 0 |
| Racine, WI | 2 | $ 133,000 | $ 66,500 | $ 18,000 |
| Redding, CA | 2 | $ 438,000 | $ 219,000 | $ 72,000 |
| Texarkana, Tx-Texarkana, AR | 2 | $ 138,000 | $ 69,000 | $ 19,500 |
| Wenatchee, WA | 2 | $ 395,000 | $ 197,500 | $ 69,000 |
| Anniston-Oxford, AL | 1 | $ 32,000 | $ 32,000 | $ 0 |
| Bangor, ME | 1 | $ 210,000 | $ 210,000 | $ 41,000 |
| Bay City, MI | 1 | $ 12,000 | $ 12,000 | $ 0 |
| Carson City, NV | 1 | $ 84,000 | $ 84,000 | $ 38,000 |
| Corvallis, OR | 1 | $ 23,000 | $ 23,000 | $ 0 |
| Eau Claire, WI | 1 | $ 133,000 | $ 133,000 | $ 45,000 |
| El Centro, CA | 1 | $ 239,000 | $ 239,000 | $ 46,000 |
| Elizabethtown, KY | 1 | $ 266,000 | $ 266,000 | $ 0 |
| Fairbanks, AK | 1 | $ 276,000 | $ 276,000 | $ 142,000 |
| Glens Falls, NY | 1 | $ 1,000,000 | $ 1,000,000 | $ 504,000 |
| Huntington-Ashland, WV-KY-OH | 1 | $ 120,000 | $ 120,000 | $ 75,000 |
| Lebanon, PA | 1 | $ 200,000 | $ 200,000 | $ 102,000 |
| Lima, OH | 1 | $ 189,000 | $ 189,000 | $ 0 |
| Sheboygan, WI | 1 | $ 83,000 | $ 83,000 | $ 0 |
| Springfield, OH | 1 | $ 66,000 | $ 66,000 | $ 0 |
| Wichita Falls, TX | 1 | $ 81,000 | $ 81,000 | $ 0 |
| Williamsport, PA | 1 | $ 111,000 | $ 111,000 | $ 120,000 |
Mortgage Loan Application Detail Totals for Everbank in 2007
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing | 18,772 | $4,646,698,000 | $247,000 | $8,760,000 | $83,000 | $2,927,000 |
| Home Purchase | 16,568 | $3,674,962,000 | $221,000 | $8,800,000 | $87,000 | $4,992,000 |
| Home Improvement | 199 | $50,323,000 | $252,000 | $1,000,000 | $92,000 | $899,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 19,833 | $5,104,464,000 | $257,000 | $3,780,000 | $113,000 | $4,494,000 |
| Not applicable | 7,870 | $1,134,973,000 | $144,000 | $8,800,000 | $0 | $33,000 |
| Not Provided | 2,526 | $683,667,000 | $270,000 | $2,000,000 | $104,000 | $1,876,000 |
| Hispanic | 2,283 | $565,674,000 | $247,000 | $2,174,000 | $83,000 | $2,400,000 |
| Black or African American | 1,434 | $313,676,000 | $218,000 | $1,980,000 | $81,000 | $4,992,000 |
| Asian | 1,376 | $515,714,000 | $374,000 | $2,494,000 | $134,000 | $1,852,000 |
| Native Hawaiian or Other Pacific Islander | 121 | $33,472,000 | $276,000 | $1,260,000 | $105,000 | $540,000 |
| American Indian or Alaskan Native | 96 | $20,343,000 | $211,000 | $1,000,000 | $68,000 | $309,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 33,043 | $8,018,718,000 | $242,000 | $8,800,000 | $89,000 | $4,992,000 |
| FHA-insured (Federal Housing Administration) | 2,177 | $322,149,000 | $147,000 | $5,998,000 | $22,000 | $354,000 |
| VA-guaranteed (Veterans Administration) | 319 | $31,116,000 | $97,000 | $417,000 | $20,000 | $228,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 15,962 | $4,240,475,000 | $265,000 | $3,250,000 | $111,000 | $3,500,000 |
| Loan Purchased By The Institution | 12,425 | $1,927,523,000 | $155,000 | $8,800,000 | $29,000 | $1,089,000 |
| Application Denied By Financial Institution | 3,641 | $1,159,962,000 | $318,000 | $8,760,000 | $124,000 | $4,992,000 |
| Application Approved But Not Accepted | 2,698 | $805,263,000 | $298,000 | $3,780,000 | $123,000 | $4,494,000 |
| Application Withdrawn By Applicant | 664 | $198,058,000 | $298,000 | $5,250,000 | $127,000 | $2,088,000 |
| File Closed For Incompleteness | 149 | $40,702,000 | $273,000 | $1,000,000 | $121,000 | $696,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Collateral | 1,010 | $328,435,000 | $325,000 | $8,760,000 | $135,000 | $1,556,000 |
| Other | 942 | $333,695,000 | $354,000 | $6,000,000 | $153,000 | $1,337,000 |
| Debt-To-Income Ratio | 656 | $213,330,000 | $325,000 | $2,000,000 | $93,000 | $1,345,000 |
| Credit History | 650 | $163,631,000 | $251,000 | $1,950,000 | $99,000 | $4,992,000 |
| Unverifiable Information | 154 | $51,599,000 | $335,000 | $1,500,000 | $128,000 | $1,550,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 104 | $33,680,000 | $323,000 | $1,440,000 | $129,000 | $1,114,000 |
| Employment History | 93 | $25,481,000 | $273,000 | $961,000 | $92,000 | $285,000 |
| Credit Application Incomplete | 31 | $9,843,000 | $317,000 | $1,112,000 | $102,000 | $333,000 |
| Mortgage Insurance Denied | 1 | $268,000 | $268,000 | $268,000 | $69,000 | $69,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Everbank's 2007 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Everbank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Florida, download the full spreadsheet
with aggregated HMDA statistics today.
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