Everbank Mortgage Lending & HMDA Data, 2008
In 2008, Everbank of Jacksonville, FL reported 33,749 mortgage applications totaling $8.1 billion, down 5% from 2007. The average application was for $240,495, and applicants reported an average income of $84,509. 49% of its applications resulted in an originated loan and 27% were denied. Its largest markets were Chicago-Naperville-Joliet, IL (1,590), Denver-Aurora, CO (1,363) and Atlanta-Sandy Springs-Marietta, GA (1,122) (applications in parentheses).
| Mortgage Company & Address | Everbank 8100 Nations Way Jacksonville, FL 32256 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 33,749 |
| Total Mortgage Loan Application Amount | $8,116,481,000 |
| Average Mortgage Loan Application Amount | $240,495 |
| Highest Mortgage Loan Application Amount | $5,100,000 |
| Average Applicant Income | $84,509 |
| Highest Applicant Income | $9,816,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Everbank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Chicago-Naperville-Joliet, IL | 1,590 | $ 437,939,000 | $ 275,433 | $ 103,000 |
| Denver-Aurora, CO | 1,363 | $ 295,912,000 | $ 217,103 | $ 80,000 |
| Atlanta-Sandy Springs-Marietta, GA | 1,122 | $ 237,231,000 | $ 211,435 | $ 64,000 |
| New York-White Plains-Wayne, NY-NJ | 936 | $ 370,475,000 | $ 395,806 | $ 117,925 |
| Jacksonville, FL | 929 | $ 131,518,000 | $ 141,569 | $ 58,000 |
| Dallas-Plano-Irving, TX | 900 | $ 214,780,000 | $ 238,644 | $ 116,000 |
| Philadelphia, PA | 864 | $ 206,324,000 | $ 238,800 | $ 91,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 685 | $ 175,055,000 | $ 255,554 | $ 110,000 |
| Des Moines-West Des Moines, IA | 658 | $ 109,140,000 | $ 165,866 | $ 70,000 |
| Seattle-Bellevue-Everett, WA | 651 | $ 228,844,000 | $ 351,526 | $ 112,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 616 | $ 181,141,000 | $ 294,060 | $ 96,850 |
| Phoenix-Mesa-Scottsdale, AZ | 569 | $ 129,736,000 | $ 228,007 | $ 82,000 |
| Hartford-West Hartford-East Hartford, CT | 470 | $ 107,873,000 | $ 229,517 | $ 85,000 |
| Oakland-Fremont-Hayward, CA | 452 | $ 188,107,000 | $ 416,165 | $ 139,000 |
| Edison-New Brunswick, NJ | 438 | $ 138,315,000 | $ 315,787 | $ 101,000 |
| Houston-Sugar Land-Baytown, TX | 428 | $ 84,358,000 | $ 197,098 | $ 81,000 |
| Los Angeles-Long Beach-Glendale, CA | 415 | $ 154,135,000 | $ 371,409 | $ 105,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 414 | $ 209,615,000 | $ 506,316 | $ 161,000 |
| Baltimore-Towson, MD | 398 | $ 110,430,000 | $ 277,462 | $ 88,000 |
| Nassau-Suffolk, NY | 373 | $ 131,247,000 | $ 351,868 | $ 97,000 |
| Austin-Round Rock, TX | 348 | $ 107,124,000 | $ 307,827 | $ 159,000 |
| Bridgeport-Stamford-Norwalk, CT | 336 | $ 116,970,000 | $ 348,125 | $ 113,000 |
| Portland-Vancouver-Beaverton, OR-WA | 317 | $ 92,519,000 | $ 291,858 | $ 88,832 |
| Fort Worth-Arlington, TX | 279 | $ 57,860,000 | $ 207,383 | $ 92,000 |
| San Francisco-San Mateo-Redwood City, CA | 276 | $ 141,073,000 | $ 511,134 | $ 164,000 |
| Honolulu, HI | 267 | $ 104,602,000 | $ 391,767 | $ 98,000 |
| Greeley, CO | 264 | $ 54,629,000 | $ 206,928 | $ 81,000 |
| New Haven-Milford, CT | 263 | $ 60,526,000 | $ 230,136 | $ 86,000 |
| St. Louis, MO-IL | 257 | $ 37,832,000 | $ 147,206 | $ 53,536 |
| Newark-Union, NJ-PA | 244 | $ 81,993,000 | $ 336,036 | $ 90,254 |
| Riverside-San Bernardino-Ontario, CA | 241 | $ 60,719,000 | $ 251,946 | $ 105,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 240 | $ 51,132,000 | $ 213,050 | $ 56,137 |
| Chattanooga, TN-GA | 238 | $ 36,352,000 | $ 152,739 | $ 63,642 |
| San Antonio, TX | 229 | $ 33,563,000 | $ 146,563 | $ 68,000 |
| Charlotte-Gastonia-Concord, NC-SC | 222 | $ 54,025,000 | $ 243,355 | $ 103,918 |
| Tampa-St. Petersburg-Clearwater, FL | 218 | $ 39,918,000 | $ 183,110 | $ 75,000 |
| Salt Lake City, UT | 214 | $ 61,063,000 | $ 285,341 | $ 94,000 |
| Bethesda-Frederick-Gaithersburg, MD | 212 | $ 71,991,000 | $ 339,580 | $ 101,000 |
| Kansas City, MO-KS | 211 | $ 34,142,000 | $ 161,810 | $ 47,151 |
| Oklahoma City, OK | 210 | $ 32,959,000 | $ 156,947 | $ 80,000 |
| Richmond, VA | 204 | $ 42,131,000 | $ 206,524 | $ 103,000 |
| Boulder, CO | 198 | $ 54,918,000 | $ 277,363 | $ 98,000 |
| Providence-New Bedford-Fall River, RI-MA | 197 | $ 44,489,000 | $ 225,832 | $ 70,639 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 191 | $ 41,938,000 | $ 219,570 | $ 65,000 |
| Memphis, TN-MS-AR | 189 | $ 15,266,000 | $ 80,772 | $ 13,137 |
| Omaha-Council Bluffs, NE-IA | 189 | $ 32,245,000 | $ 170,608 | $ 114,798 |
| Camden, NJ | 181 | $ 40,193,000 | $ 222,060 | $ 73,000 |
| Santa Ana-Anaheim-Irvine, CA | 179 | $ 71,053,000 | $ 396,944 | $ 132,000 |
| Tucson, AZ | 175 | $ 33,478,000 | $ 191,302 | $ 79,000 |
| Lake County-Kenosha County, IL-WI | 171 | $ 50,005,000 | $ 292,426 | $ 109,473 |
| Albuquerque, NM | 169 | $ 32,710,000 | $ 193,550 | $ 62,000 |
| Miami-Miami Beach-Kendall, FL | 169 | $ 39,722,000 | $ 235,041 | $ 85,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 165 | $ 39,809,000 | $ 241,266 | $ 81,000 |
| Orlando-Kissimmee, FL | 161 | $ 39,863,000 | $ 247,596 | $ 83,000 |
| Colorado Springs, CO | 157 | $ 36,751,000 | $ 234,082 | $ 82,000 |
| Portland-South Portland-Biddeford, ME | 151 | $ 34,641,000 | $ 229,410 | $ 112,000 |
| San Diego-Carlsbad-San Marcos, CA | 151 | $ 60,839,000 | $ 402,907 | $ 121,000 |
| Las Vegas-Paradise, NV | 147 | $ 39,737,000 | $ 270,319 | $ 115,000 |
| Tacoma, WA | 145 | $ 36,347,000 | $ 250,668 | $ 77,000 |
| Columbus, OH | 137 | $ 19,788,000 | $ 144,437 | $ 43,000 |
| Boston-Quincy, MA | 135 | $ 38,506,000 | $ 285,229 | $ 83,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 134 | $ 34,655,000 | $ 258,619 | $ 91,000 |
| Sioux Falls, SD | 132 | $ 23,970,000 | $ 181,590 | $ 75,000 |
| Warren-Troy-Farmington Hills, MI | 128 | $ 27,692,000 | $ 216,343 | $ 65,000 |
| Gary, IN | 127 | $ 19,155,000 | $ 150,826 | $ 47,000 |
| Indianapolis-Carmel, IN | 122 | $ 20,673,000 | $ 169,450 | $ 38,000 |
| Detroit-Livonia-Dearborn, MI | 121 | $ 14,965,000 | $ 123,677 | $ 20,000 |
| Fort Collins-Loveland, CO | 120 | $ 26,032,000 | $ 216,933 | $ 91,000 |
| Billings, MT | 113 | $ 22,500,000 | $ 199,115 | $ 83,000 |
| Tulsa, OK | 108 | $ 17,119,000 | $ 158,509 | $ 76,000 |
| Prescott, AZ | 106 | $ 24,880,000 | $ 234,716 | $ 82,000 |
| Cleveland-Elyria-Mentor, OH | 104 | $ 15,919,000 | $ 153,067 | $ 58,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 104 | $ 26,253,000 | $ 252,432 | $ 93,000 |
| Cambridge-Newton-Framingham, MA | 100 | $ 32,514,000 | $ 325,140 | $ 83,000 |
| Knoxville, TN | 100 | $ 18,915,000 | $ 189,150 | $ 70,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 98 | $ 15,861,000 | $ 161,846 | $ 51,000 |
| New Orleans-Metairie-Kenner, LA | 96 | $ 12,927,000 | $ 134,656 | $ 40,000 |
| Provo-Orem, UT | 94 | $ 25,214,000 | $ 268,234 | $ 83,000 |
| Pittsburgh, PA | 93 | $ 15,014,000 | $ 161,440 | $ 59,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 91 | $ 19,727,000 | $ 216,780 | $ 76,571 |
| Spokane, WA | 86 | $ 17,346,000 | $ 201,697 | $ 57,000 |
| Salinas, CA | 85 | $ 26,094,000 | $ 306,988 | $ 124,000 |
| Birmingham-Hoover, AL | 83 | $ 7,907,000 | $ 95,265 | $ 17,000 |
| York-Hanover, PA | 82 | $ 15,979,000 | $ 194,865 | $ 60,000 |
| Rockingham County-Strafford County, NH | 79 | $ 17,912,000 | $ 226,734 | $ 91,000 |
| Stockton, CA | 79 | $ 16,732,000 | $ 211,797 | $ 83,000 |
| Cincinnati-Middletown, OH-KY-IN | 77 | $ 11,096,000 | $ 144,103 | $ 31,675 |
| Worcester, MA | 77 | $ 16,642,000 | $ 216,129 | $ 96,000 |
| Burlington-South Burlington, VT | 76 | $ 20,208,000 | $ 265,894 | $ 135,000 |
| Ogden-Clearfield, UT | 76 | $ 16,368,000 | $ 215,368 | $ 78,000 |
| Vallejo-Fairfield, CA | 76 | $ 16,139,000 | $ 212,355 | $ 75,000 |
| Baton Rouge, LA | 73 | $ 9,999,000 | $ 136,972 | $ 67,000 |
| Springfield, MA | 73 | $ 14,091,000 | $ 193,027 | $ 75,000 |
| Santa Fe, NM | 72 | $ 29,287,000 | $ 406,763 | $ 129,000 |
| Wilmington, DE-MD-NJ | 71 | $ 14,078,000 | $ 198,281 | $ 74,830 |
| Jackson, MS | 67 | $ 4,167,000 | $ 62,194 | $ 19,000 |
| Norwich-New London, CT | 67 | $ 14,792,000 | $ 220,776 | $ 80,000 |
| Montgomery, AL | 66 | $ 3,287,000 | $ 49,803 | $ 8,000 |
| Cape Coral-Fort Myers, FL | 65 | $ 16,494,000 | $ 253,753 | $ 98,000 |
| Harrisburg-Carlisle, PA | 64 | $ 12,051,000 | $ 188,296 | $ 73,000 |
| Little Rock-North Little Rock-Conway, AR | 64 | $ 5,583,000 | $ 87,234 | $ 5,000 |
| Louisville-Jefferson County, KY-IN | 64 | $ 8,379,000 | $ 130,921 | $ 38,875 |
| Raleigh-Cary, NC | 62 | $ 14,757,000 | $ 238,016 | $ 62,000 |
| Manchester-Nashua, NH | 56 | $ 11,814,000 | $ 210,964 | $ 81,000 |
| Santa Cruz-Watsonville, CA | 56 | $ 22,245,000 | $ 397,232 | $ 194,000 |
| Augusta-Richmond County, GA-SC | 55 | $ 6,326,000 | $ 115,018 | $ 40,109 |
| Peabody, MA | 54 | $ 18,647,000 | $ 345,314 | $ 73,000 |
| Santa Rosa-Petaluma, CA | 53 | $ 18,328,000 | $ 345,811 | $ 105,000 |
| Casper, WY | 50 | $ 9,850,000 | $ 197,000 | $ 71,000 |
| Bradenton-Sarasota-Venice, FL | 49 | $ 15,194,000 | $ 310,081 | $ 85,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 49 | $ 7,000,000 | $ 142,857 | $ 59,000 |
| Boise City-Nampa, ID | 46 | $ 9,494,000 | $ 206,391 | $ 57,000 |
| Asheville, NC | 44 | $ 11,070,000 | $ 251,590 | $ 72,000 |
| Springfield, MO | 44 | $ 5,475,000 | $ 124,431 | $ 47,000 |
| Cheyenne, WY | 41 | $ 7,516,000 | $ 183,317 | $ 94,000 |
| Longview, TX | 41 | $ 5,471,000 | $ 133,439 | $ 65,000 |
| Flint, MI | 40 | $ 3,689,000 | $ 92,225 | $ 14,000 |
| Kingsport-Bristol-Bristol, TN-VA | 40 | $ 4,541,000 | $ 113,525 | $ 50,400 |
| Mobile, AL | 40 | $ 3,058,000 | $ 76,450 | $ 21,000 |
| Salem, OR | 40 | $ 8,811,000 | $ 220,275 | $ 80,000 |
| Akron, OH | 39 | $ 5,705,000 | $ 146,282 | $ 35,000 |
| Bakersfield, CA | 39 | $ 6,133,000 | $ 157,256 | $ 68,000 |
| Columbus, GA-AL | 39 | $ 4,857,000 | $ 124,538 | $ 35,384 |
| Trenton-Ewing, NJ | 39 | $ 12,024,000 | $ 308,307 | $ 50,000 |
| Pensacola-Ferry Pass-Brent, FL | 38 | $ 4,191,000 | $ 110,289 | $ 31,000 |
| Reading, PA | 38 | $ 7,371,000 | $ 193,973 | $ 56,000 |
| Barnstable Town, MA | 37 | $ 13,951,000 | $ 377,054 | $ 98,000 |
| Atlantic City-Hammonton, NJ | 36 | $ 8,693,000 | $ 241,472 | $ 107,000 |
| Corpus Christi, TX | 36 | $ 4,905,000 | $ 136,250 | $ 63,000 |
| Milwaukee-Waukesha-West Allis, WI | 36 | $ 6,770,000 | $ 188,055 | $ 43,000 |
| Port St. Lucie, FL | 36 | $ 11,350,000 | $ 315,277 | $ 85,000 |
| Dayton, OH | 35 | $ 3,715,000 | $ 106,142 | $ 16,000 |
| Olympia, WA | 35 | $ 8,174,000 | $ 233,542 | $ 74,000 |
| Ames, IA | 34 | $ 5,417,000 | $ 159,323 | $ 74,000 |
| Buffalo-Niagara Falls, NY | 34 | $ 3,079,000 | $ 90,558 | $ 42,000 |
| Rockford, IL | 34 | $ 4,320,000 | $ 127,058 | $ 35,000 |
| Brunswick, GA | 31 | $ 6,220,000 | $ 200,645 | $ 98,000 |
| Fresno, CA | 31 | $ 5,057,000 | $ 163,129 | $ 48,000 |
| McAllen-Edinburg-Mission, TX | 31 | $ 3,068,000 | $ 98,967 | $ 41,000 |
| Modesto, CA | 31 | $ 6,042,000 | $ 194,903 | $ 70,000 |
| Wilmington, NC | 31 | $ 10,828,000 | $ 349,290 | $ 115,000 |
| Canton-Massillon, OH | 30 | $ 3,815,000 | $ 127,166 | $ 44,000 |
| Greensboro-High Point, NC | 30 | $ 6,528,000 | $ 217,600 | $ 70,000 |
| Lakeland-Winter Haven, FL | 30 | $ 4,833,000 | $ 161,100 | $ 56,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 30 | $ 9,920,000 | $ 330,666 | $ 85,000 |
| Las Cruces, NM | 29 | $ 5,267,000 | $ 181,620 | $ 70,000 |
| Shreveport-Bossier City, LA | 29 | $ 2,297,000 | $ 79,206 | $ 22,000 |
| Bremerton-Silverdale, WA | 27 | $ 6,629,000 | $ 245,518 | $ 72,000 |
| Columbia, SC | 27 | $ 3,122,000 | $ 115,629 | $ 36,000 |
| Naples-Marco Island, FL | 27 | $ 14,383,000 | $ 532,703 | $ 72,000 |
| Cedar Rapids, IA | 25 | $ 3,707,000 | $ 148,280 | $ 66,000 |
| Johnson City, TN | 25 | $ 3,621,000 | $ 144,840 | $ 55,000 |
| Madison, WI | 25 | $ 5,334,000 | $ 213,360 | $ 92,000 |
| South Bend-Mishawaka, IN-MI | 25 | $ 2,443,000 | $ 97,720 | $ 27,600 |
| Bend, OR | 24 | $ 7,742,000 | $ 322,583 | $ 143,000 |
| Charleston-North Charleston-Summerville, SC | 24 | $ 3,062,000 | $ 127,583 | $ 27,000 |
| Charlottesville, VA | 24 | $ 7,682,000 | $ 320,083 | $ 93,000 |
| Fayetteville, NC | 24 | $ 2,754,000 | $ 114,750 | $ 57,000 |
| Lancaster, PA | 24 | $ 5,701,000 | $ 237,541 | $ 59,000 |
| Lansing-East Lansing, MI | 24 | $ 3,541,000 | $ 147,541 | $ 60,000 |
| Macon, GA | 24 | $ 7,099,000 | $ 295,791 | $ 12,000 |
| Huntsville, AL | 23 | $ 2,036,000 | $ 88,521 | $ 14,000 |
| Wichita, KS | 23 | $ 2,384,000 | $ 103,652 | $ 27,000 |
| Bellingham, WA | 22 | $ 6,138,000 | $ 279,000 | $ 79,000 |
| El Paso, TX | 22 | $ 1,871,000 | $ 85,045 | $ 25,000 |
| Grand Rapids-Wyoming, MI | 22 | $ 3,809,000 | $ 173,136 | $ 8,000 |
| Albany-Schenectady-Troy, NY | 21 | $ 3,315,000 | $ 157,857 | $ 97,000 |
| Anchorage, AK | 21 | $ 4,255,000 | $ 202,619 | $ 60,000 |
| Hagerstown-Martinsburg, MD-WV | 21 | $ 4,587,000 | $ 218,428 | $ 113,333 |
| Reno-Sparks, NV | 21 | $ 5,845,000 | $ 278,333 | $ 88,000 |
| Roanoke, VA | 21 | $ 4,099,000 | $ 195,190 | $ 68,000 |
| Savannah, GA | 21 | $ 2,194,000 | $ 104,476 | $ 23,000 |
| Tallahassee, FL | 21 | $ 3,133,000 | $ 149,190 | $ 42,000 |
| Toledo, OH | 21 | $ 2,465,000 | $ 117,380 | $ 31,000 |
| Bay City, MI | 20 | $ 2,573,000 | $ 128,650 | $ 59,000 |
| Duluth, MN-WI | 20 | $ 1,734,000 | $ 86,700 | $ 35,150 |
| Ocean City, NJ | 20 | $ 8,814,000 | $ 440,700 | $ 110,000 |
| Visalia-Porterville, CA | 20 | $ 2,108,000 | $ 105,400 | $ 44,000 |
| Winston-Salem, NC | 20 | $ 2,773,000 | $ 138,650 | $ 30,000 |
| Davenport-Moline-Rock Island, IA-IL | 19 | $ 2,403,000 | $ 126,473 | $ 43,578 |
| Gainesville, FL | 19 | $ 2,960,000 | $ 155,789 | $ 39,000 |
| Greenville-Mauldin-Easley, SC | 19 | $ 2,401,000 | $ 126,368 | $ 24,000 |
| Ocala, FL | 19 | $ 2,424,000 | $ 127,578 | $ 51,000 |
| Rochester, NY | 19 | $ 2,033,000 | $ 107,000 | $ 27,000 |
| Sherman-Denison, TX | 19 | $ 2,348,000 | $ 123,578 | $ 82,000 |
| St. Cloud, MN | 19 | $ 1,490,000 | $ 78,421 | $ 35,000 |
| Brownsville-Harlingen, TX | 18 | $ 1,466,000 | $ 81,444 | $ 45,000 |
| Chico, CA | 18 | $ 4,088,000 | $ 227,111 | $ 79,000 |
| Evansville, IN-KY | 18 | $ 1,822,000 | $ 101,222 | $ 12,000 |
| Hinesville-Fort Stewart, GA | 18 | $ 1,098,000 | $ 61,000 | $ 31,000 |
| Kalamazoo-Portage, MI | 18 | $ 2,506,000 | $ 139,222 | $ 33,000 |
| Merced, CA | 18 | $ 3,322,000 | $ 184,555 | $ 91,000 |
| Missoula, MT | 18 | $ 4,124,000 | $ 229,111 | $ 72,000 |
| Scranton--Wilkes-Barre, PA | 18 | $ 2,150,000 | $ 119,444 | $ 42,000 |
| Syracuse, NY | 18 | $ 1,865,000 | $ 103,611 | $ 83,000 |
| Killeen-Temple-Fort Hood, TX | 17 | $ 2,619,000 | $ 154,058 | $ 40,000 |
| Napa, CA | 17 | $ 7,544,000 | $ 443,764 | $ 101,000 |
| Coeur D'Alene, ID | 16 | $ 5,532,000 | $ 345,750 | $ 60,000 |
| Eugene-Springfield, OR | 16 | $ 3,081,000 | $ 192,562 | $ 79,000 |
| Punta Gorda, FL | 16 | $ 2,840,000 | $ 177,500 | $ 65,000 |
| Durham, NC | 15 | $ 2,191,000 | $ 146,066 | $ 45,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 15 | $ 2,702,000 | $ 180,133 | $ 18,066 |
| Fort Walton Beach-Crestview-Destin, FL | 15 | $ 3,167,000 | $ 211,133 | $ 120,000 |
| Fort Wayne, IN | 15 | $ 1,266,000 | $ 84,400 | $ 9,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 15 | $ 3,783,000 | $ 252,200 | $ 64,000 |
| Waterloo-Cedar Falls, IA | 15 | $ 1,671,000 | $ 111,400 | $ 44,000 |
| Wenatchee, WA | 15 | $ 5,477,000 | $ 365,133 | $ 104,000 |
| Youngstown-Warren-Boardman, OH-PA | 15 | $ 1,465,000 | $ 97,666 | $ 6,200 |
| Yuma, AZ | 15 | $ 2,770,000 | $ 184,666 | $ 66,000 |
| College Station-Bryan, TX | 14 | $ 2,258,000 | $ 161,285 | $ 71,000 |
| Gainesville, GA | 14 | $ 6,932,000 | $ 495,142 | $ 59,000 |
| Grand Junction, CO | 14 | $ 3,252,000 | $ 232,285 | $ 105,000 |
| Hattiesburg, MS | 14 | $ 910,000 | $ 65,000 | $ 22,000 |
| Lexington-Fayette, KY | 14 | $ 2,103,000 | $ 150,214 | $ 27,000 |
| Mount Vernon-Anacortes, WA | 14 | $ 4,217,000 | $ 301,214 | $ 87,000 |
| Palm Bay-Melbourne-Titusville, FL | 14 | $ 2,062,000 | $ 147,285 | $ 37,000 |
| Yuba City, CA | 14 | $ 2,337,000 | $ 166,928 | $ 52,000 |
| Beaumont-Port Arthur, TX | 13 | $ 2,387,000 | $ 183,615 | $ 61,000 |
| Hickory-Lenoir-Morganton, NC | 13 | $ 3,666,000 | $ 282,000 | $ 90,000 |
| Lawton, OK | 13 | $ 1,103,000 | $ 84,846 | $ 18,000 |
| Pueblo, CO | 13 | $ 2,061,000 | $ 158,538 | $ 45,000 |
| Racine, WI | 13 | $ 1,839,000 | $ 141,461 | $ 28,000 |
| Redding, CA | 13 | $ 2,510,000 | $ 193,076 | $ 66,000 |
| Albany, GA | 12 | $ 1,977,000 | $ 164,750 | $ 19,000 |
| Elkhart-Goshen, IN | 12 | $ 904,000 | $ 75,333 | $ 2,000 |
| Fort Smith, AR-OK | 12 | $ 1,127,000 | $ 93,916 | $ 30,000 |
| Gulfport-Biloxi, MS | 12 | $ 1,051,000 | $ 87,583 | $ 17,000 |
| San Luis Obispo-Paso Robles, CA | 12 | $ 4,242,000 | $ 353,500 | $ 118,000 |
| Springfield, OH | 12 | $ 1,708,000 | $ 142,333 | $ 19,000 |
| Ann Arbor, MI | 11 | $ 2,145,000 | $ 195,000 | $ 23,000 |
| Athens-Clarke County, GA | 11 | $ 1,006,000 | $ 91,454 | $ 25,000 |
| Dover, DE | 11 | $ 2,690,000 | $ 244,545 | $ 51,000 |
| Kankakee-Bradley, IL | 11 | $ 2,083,000 | $ 189,363 | $ 71,000 |
| Kingston, NY | 11 | $ 2,592,000 | $ 235,636 | $ 81,000 |
| Monroe, LA | 11 | $ 498,000 | $ 45,272 | $ 0 |
| Yakima, WA | 11 | $ 1,545,000 | $ 140,454 | $ 67,000 |
| Dalton, GA | 10 | $ 969,000 | $ 96,900 | $ 15,000 |
| Dothan, AL | 10 | $ 586,000 | $ 58,600 | $ 15,000 |
| Fargo, ND-MN | 10 | $ 1,389,000 | $ 138,900 | $ 46,000 |
| Kennewick-Pasco-Richland, WA | 10 | $ 1,467,000 | $ 146,700 | $ 47,000 |
| Odessa, TX | 10 | $ 1,333,000 | $ 133,300 | $ 65,000 |
| Palm Coast, FL | 10 | $ 1,883,000 | $ 188,300 | $ 85,000 |
| Panama City-Lynn Haven, FL | 10 | $ 2,518,000 | $ 251,800 | $ 52,000 |
| Pascagoula, MS | 10 | $ 967,000 | $ 96,700 | $ 16,000 |
| Topeka, KS | 10 | $ 621,000 | $ 62,100 | $ 23,000 |
| Tuscaloosa, AL | 10 | $ 1,184,000 | $ 118,400 | $ 3,000 |
| Utica-Rome, NY | 10 | $ 942,000 | $ 94,200 | $ 50,000 |
| Winchester, VA-WV | 10 | $ 2,132,000 | $ 213,200 | $ 70,000 |
| Appleton, WI | 9 | $ 1,417,000 | $ 157,444 | $ 51,000 |
| Auburn-Opelika, AL | 9 | $ 1,221,000 | $ 135,666 | $ 147,000 |
| Cleveland, TN | 9 | $ 1,271,000 | $ 141,222 | $ 55,000 |
| Columbia, MO | 9 | $ 1,146,000 | $ 127,333 | $ 31,000 |
| Decatur, AL | 9 | $ 329,000 | $ 36,555 | $ 16,000 |
| Flagstaff, AZ | 9 | $ 2,242,000 | $ 249,111 | $ 72,000 |
| Houma-Bayou Cane-Thibodaux, LA | 9 | $ 1,345,000 | $ 149,444 | $ 6,000 |
| Rocky Mount, NC | 9 | $ 1,584,000 | $ 176,000 | $ 36,000 |
| Warner Robins, GA | 9 | $ 882,000 | $ 98,000 | $ 17,000 |
| Battle Creek, MI | 8 | $ 728,000 | $ 91,000 | $ 11,000 |
| Longview, WA | 8 | $ 2,282,000 | $ 285,250 | $ 71,000 |
| Lubbock, TX | 8 | $ 664,000 | $ 83,000 | $ 26,000 |
| Michigan City-La Porte, IN | 8 | $ 1,173,000 | $ 146,625 | $ 65,000 |
| Morristown, TN | 8 | $ 1,097,000 | $ 137,125 | $ 38,000 |
| Oshkosh-Neenah, WI | 8 | $ 1,019,000 | $ 127,375 | $ 49,000 |
| Pine Bluff, AR | 8 | $ 306,000 | $ 38,250 | $ 0 |
| Tyler, TX | 8 | $ 1,030,000 | $ 128,750 | $ 49,000 |
| Anderson, IN | 7 | $ 675,000 | $ 96,428 | $ 87,000 |
| Bloomington, IN | 7 | $ 348,000 | $ 49,714 | $ 11,000 |
| Champaign-Urbana, IL | 7 | $ 765,000 | $ 109,285 | $ 31,000 |
| Green Bay, WI | 7 | $ 1,332,000 | $ 190,285 | $ 51,000 |
| Jackson, TN | 7 | $ 471,000 | $ 67,285 | $ 12,000 |
| Laredo, TX | 7 | $ 435,000 | $ 62,142 | $ 0 |
| Lincoln, NE | 7 | $ 657,000 | $ 93,857 | $ 26,000 |
| Muncie, IN | 7 | $ 365,000 | $ 52,142 | $ 0 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 7 | $ 1,827,000 | $ 261,000 | $ 123,000 |
| Niles-Benton Harbor, MI | 7 | $ 1,667,000 | $ 238,142 | $ 118,000 |
| Sebastian-Vero Beach, FL | 7 | $ 1,570,000 | $ 224,285 | $ 57,000 |
| Texarkana, Tx-Texarkana, AR | 7 | $ 964,000 | $ 137,714 | $ 37,142 |
| Blacksburg-Christiansburg-Radford, VA | 6 | $ 829,000 | $ 138,166 | $ 70,000 |
| Bloomington-Normal, IL | 6 | $ 1,017,000 | $ 169,500 | $ 58,000 |
| Clarksville, TN-KY | 6 | $ 471,000 | $ 78,500 | $ 13,000 |
| Dubuque, IA | 6 | $ 844,000 | $ 140,666 | $ 71,000 |
| Hanford-Corcoran, CA | 6 | $ 784,000 | $ 130,666 | $ 38,000 |
| Holland-Grand Haven, MI | 6 | $ 754,000 | $ 125,666 | $ 5,000 |
| Janesville, WI | 6 | $ 949,000 | $ 158,166 | $ 44,000 |
| Kokomo, IN | 6 | $ 708,000 | $ 118,000 | $ 24,000 |
| Lima, OH | 6 | $ 538,000 | $ 89,666 | $ 9,000 |
| Madera, CA | 6 | $ 1,345,000 | $ 224,166 | $ 36,000 |
| Midland, TX | 6 | $ 948,000 | $ 158,000 | $ 97,000 |
| Muskegon-Norton Shores, MI | 6 | $ 542,000 | $ 90,333 | $ 2,000 |
| Spartanburg, SC | 6 | $ 502,000 | $ 83,666 | $ 6,000 |
| St. George, UT | 6 | $ 1,665,000 | $ 277,500 | $ 80,000 |
| Sumter, SC | 6 | $ 201,000 | $ 33,500 | $ 0 |
| Vineland-Millville-Bridgeton, NJ | 6 | $ 968,000 | $ 161,333 | $ 27,000 |
| Alexandria, LA | 5 | $ 114,000 | $ 22,800 | $ 0 |
| Anniston-Oxford, AL | 5 | $ 397,000 | $ 79,400 | $ 15,000 |
| Florence-Muscle Shoals, AL | 5 | $ 763,000 | $ 152,600 | $ 7,000 |
| Hot Springs, AR | 5 | $ 344,000 | $ 68,800 | $ 0 |
| Lebanon, PA | 5 | $ 865,000 | $ 173,000 | $ 47,000 |
| Lewiston-Auburn, ME | 5 | $ 762,000 | $ 152,400 | $ 30,000 |
| Monroe, MI | 5 | $ 1,071,000 | $ 214,200 | $ 90,000 |
| Pittsfield, MA | 5 | $ 2,447,000 | $ 489,400 | $ 55,000 |
| Rochester, MN | 5 | $ 669,000 | $ 133,800 | $ 66,000 |
| Saginaw-Saginaw Township North, MI | 5 | $ 477,000 | $ 95,400 | $ 0 |
| Sioux City, IA-NE-SD | 5 | $ 435,000 | $ 87,000 | $ 32,200 |
| Springfield, IL | 5 | $ 296,000 | $ 59,200 | $ 0 |
| St. Joseph, MO-KS | 5 | $ 278,000 | $ 55,600 | $ 23,000 |
| Bangor, ME | 4 | $ 387,000 | $ 96,750 | $ 20,000 |
| Binghamton, NY | 4 | $ 491,000 | $ 122,750 | $ 51,000 |
| Corvallis, OR | 4 | $ 999,000 | $ 249,750 | $ 96,000 |
| Decatur, IL | 4 | $ 291,000 | $ 72,750 | $ 18,000 |
| Idaho Falls, ID | 4 | $ 703,000 | $ 175,750 | $ 38,000 |
| Jacksonville, NC | 4 | $ 144,000 | $ 36,000 | $ 0 |
| Lafayette, IN | 4 | $ 287,000 | $ 71,750 | $ 0 |
| Lafayette, LA | 4 | $ 480,000 | $ 120,000 | $ 30,000 |
| Logan, UT-ID | 4 | $ 788,000 | $ 197,000 | $ 51,500 |
| Lynchburg, VA | 4 | $ 678,000 | $ 169,500 | $ 55,000 |
| Medford, OR | 4 | $ 1,150,000 | $ 287,500 | $ 105,000 |
| Peoria, IL | 4 | $ 1,124,000 | $ 281,000 | $ 38,000 |
| State College, PA | 4 | $ 768,000 | $ 192,000 | $ 119,000 |
| Terre Haute, IN | 4 | $ 169,000 | $ 42,250 | $ 7,000 |
| Abilene, TX | 3 | $ 164,000 | $ 54,666 | $ 14,000 |
| Amarillo, TX | 3 | $ 618,000 | $ 206,000 | $ 221,000 |
| Carson City, NV | 3 | $ 735,000 | $ 245,000 | $ 104,000 |
| Cumberland, MD-WV | 3 | $ 123,000 | $ 41,000 | $ 0 |
| Danville, IL | 3 | $ 518,000 | $ 172,666 | $ 53,000 |
| Erie, PA | 3 | $ 1,641,000 | $ 547,000 | $ 0 |
| Fond Du Lac, WI | 3 | $ 165,000 | $ 55,000 | $ 37,000 |
| Glens Falls, NY | 3 | $ 924,000 | $ 308,000 | $ 41,000 |
| Harrisonburg, VA | 3 | $ 388,000 | $ 129,333 | $ 30,000 |
| Huntington-Ashland, WV-KY-OH | 3 | $ 328,000 | $ 109,333 | $ 0 |
| Iowa City, IA | 3 | $ 595,000 | $ 198,333 | $ 104,000 |
| Joplin, MO | 3 | $ 184,000 | $ 61,333 | $ 16,000 |
| Lawrence, KS | 3 | $ 729,000 | $ 243,000 | $ 73,000 |
| Lewiston, ID-WA | 3 | $ 513,000 | $ 171,000 | $ 112,000 |
| Parkersburg-Marietta-Vienna, WV-OH | 3 | $ 411,000 | $ 137,000 | $ 236,000 |
| Rapid City, SD | 3 | $ 293,000 | $ 97,666 | $ 60,000 |
| Rome, GA | 3 | $ 392,000 | $ 130,666 | $ 19,000 |
| Salisbury, MD | 3 | $ 491,000 | $ 163,666 | $ 85,000 |
| San Angelo, TX | 3 | $ 169,000 | $ 56,333 | $ 0 |
| Sandusky, OH | 3 | $ 345,000 | $ 115,000 | $ 15,000 |
| Waco, TX | 3 | $ 533,000 | $ 177,666 | $ 157,000 |
| Altoona, PA | 2 | $ 153,000 | $ 76,500 | $ 41,000 |
| Anderson, SC | 2 | $ 167,000 | $ 83,500 | $ 0 |
| Charleston, WV | 2 | $ 275,000 | $ 137,500 | $ 0 |
| Danville, VA | 2 | $ 313,000 | $ 156,500 | $ 51,000 |
| El Centro, CA | 2 | $ 360,000 | $ 180,000 | $ 0 |
| Elizabethtown, KY | 2 | $ 155,000 | $ 77,500 | $ 0 |
| Farmington, NM | 2 | $ 536,000 | $ 268,000 | $ 69,000 |
| Goldsboro, NC | 2 | $ 216,000 | $ 108,000 | $ 0 |
| Greenville, NC | 2 | $ 216,000 | $ 108,000 | $ 0 |
| Jonesboro, AR | 2 | $ 67,000 | $ 33,500 | $ 0 |
| Lake Charles, LA | 2 | $ 104,000 | $ 52,000 | $ 0 |
| Lake Havasu City-Kingman, AZ | 2 | $ 392,000 | $ 196,000 | $ 36,000 |
| Mansfield, OH | 2 | $ 379,000 | $ 189,500 | $ 62,000 |
| Morgantown, WV | 2 | $ 394,000 | $ 197,000 | $ 68,000 |
| Pocatello, ID | 2 | $ 293,000 | $ 146,500 | $ 47,000 |
| Sheboygan, WI | 2 | $ 160,000 | $ 80,000 | $ 17,000 |
| Valdosta, GA | 2 | $ 58,000 | $ 29,000 | $ 0 |
| Victoria, TX | 2 | $ 288,000 | $ 144,000 | $ 102,000 |
| Wausau, WI | 2 | $ 310,000 | $ 155,000 | $ 32,000 |
| Williamsport, PA | 2 | $ 314,000 | $ 157,000 | $ 64,000 |
| Bowling Green, KY | 1 | $ 228,000 | $ 228,000 | $ 0 |
| Columbus, IN | 1 | $ 121,000 | $ 121,000 | $ 0 |
| Eau Claire, WI | 1 | $ 68,000 | $ 68,000 | $ 54,000 |
| Gadsden, AL | 1 | $ 120,000 | $ 120,000 | $ 0 |
| Grand Forks, ND-MN | 1 | $ 52,000 | $ 52,000 | $ 0 |
| Great Falls, MT | 1 | $ 122,000 | $ 122,000 | $ 41,000 |
| Jefferson City, MO | 1 | $ 181,000 | $ 181,000 | $ 32,000 |
| Johnstown, PA | 1 | $ 75,000 | $ 75,000 | $ 0 |
| La Crosse, WI-MN | 1 | $ 236,000 | $ 236,000 | $ 300,000 |
| Owensboro, KY | 1 | $ 103,000 | $ 103,000 | $ 0 |
| Weirton-Steubenville, WV-OH | 1 | $ 1,000 | $ 1,000 | $ 0 |
| Wheeling, WV-OH | 1 | $ 77,000 | $ 77,000 | $ 0 |
| Wichita Falls, TX | 1 | $ 128,000 | $ 128,000 | $ 64,000 |
Mortgage Loan Application Detail Totals for Everbank in 2008
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing | 17,492 | $4,670,814,000 | $267,000 | $5,100,000 | $86,000 | $9,816,000 |
| Home Purchase | 16,066 | $3,409,012,000 | $212,000 | $2,970,000 | $83,000 | $6,529,000 |
| Home Improvement | 191 | $36,655,000 | $191,000 | $1,124,000 | $75,000 | $622,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 19,706 | $4,985,677,000 | $253,000 | $2,300,000 | $107,000 | $6,529,000 |
| Not applicable | 5,893 | $1,031,089,000 | $174,000 | $5,100,000 | $0 | $0 |
| Not Provided | 2,293 | $640,391,000 | $279,000 | $2,078,000 | $110,000 | $9,816,000 |
| Hispanic | 2,239 | $513,490,000 | $229,000 | $1,193,000 | $79,000 | $3,000,000 |
| Black or African American | 1,759 | $350,329,000 | $199,000 | $1,540,000 | $70,000 | $2,250,000 |
| Asian | 1,578 | $523,790,000 | $331,000 | $1,500,000 | $116,000 | $1,404,000 |
| Native Hawaiian or Other Pacific Islander | 206 | $54,263,000 | $263,000 | $641,000 | $73,000 | $396,000 |
| American Indian or Alaskan Native | 75 | $17,452,000 | $232,000 | $1,000,000 | $75,000 | $599,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 23,117 | $6,515,621,000 | $281,000 | $5,100,000 | $106,000 | $9,816,000 |
| FHA-insured (Federal Housing Administration) | 9,409 | $1,497,618,000 | $159,000 | $1,146,000 | $42,000 | $628,000 |
| VA-guaranteed (Veterans Administration) | 1,223 | $103,242,000 | $84,000 | $577,000 | $14,000 | $475,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 16,475 | $3,991,868,000 | $242,000 | $5,100,000 | $104,000 | $9,816,000 |
| Application Denied By Financial Institution | 9,032 | $2,599,685,000 | $287,000 | $2,300,000 | $112,000 | $3,364,000 |
| Loan Purchased By The Institution | 6,954 | $1,185,185,000 | $170,000 | $5,000,000 | $0 | $70,000 |
| Application Withdrawn By Applicant | 658 | $173,789,000 | $264,000 | $1,070,000 | $110,000 | $2,139,000 |
| File Closed For Incompleteness | 519 | $138,230,000 | $266,000 | $2,000,000 | $113,000 | $1,499,000 |
| Application Approved But Not Accepted | 111 | $27,724,000 | $249,000 | $1,000,000 | $110,000 | $1,000,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit Application Incomplete | 4,621 | $1,342,216,000 | $290,000 | $2,300,000 | $118,000 | $3,000,000 |
| Collateral | 1,191 | $328,933,000 | $276,000 | $2,000,000 | $118,000 | $3,364,000 |
| Debt-To-Income Ratio | 1,154 | $359,734,000 | $311,000 | $2,300,000 | $79,000 | $714,000 |
| Other | 1,110 | $318,089,000 | $286,000 | $2,275,000 | $128,000 | $2,893,000 |
| Credit History | 592 | $142,588,000 | $240,000 | $1,500,000 | $93,000 | $1,501,000 |
| Unverifiable Information | 198 | $62,075,000 | $313,000 | $1,080,000 | $129,000 | $715,000 |
| Employment History | 98 | $29,061,000 | $296,000 | $998,000 | $91,000 | $492,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 68 | $16,989,000 | $249,000 | $892,000 | $92,000 | $730,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Everbank's 2008 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Everbank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Florida, download the full spreadsheet
with aggregated HMDA statistics today.
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