Everbank Mortgage Lending & HMDA Data, 2009
In 2009, Everbank of Jacksonville, FL reported 63,346 mortgage applications totaling $13.0 billion, up 88% from 2008. The average application was for $204,578, and applicants reported an average income of $81,234. 49% of its applications resulted in an originated loan and 24% were denied. Its largest markets were Chicago-Naperville-Joliet, IL (3,036), Atlanta-Sandy Springs-Marietta, GA (2,473) and Seattle-Bellevue-Everett, WA (2,034) (applications in parentheses).
| Mortgage Company & Address | Everbank 8100 Nations Way Jacksonville, FL 32256 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 63,346 |
| Total Mortgage Loan Application Amount | $12,959,208,000 |
| Average Mortgage Loan Application Amount | $204,578 |
| Highest Mortgage Loan Application Amount | $2,000,000 |
| Average Applicant Income | $81,234 |
| Highest Applicant Income | $7,915,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Everbank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| 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 | 3,036 | $ 702,417,000 | $ 231,362 | $ 84,000 |
| Atlanta-Sandy Springs-Marietta, GA | 2,473 | $ 396,957,000 | $ 160,516 | $ 47,000 |
| Seattle-Bellevue-Everett, WA | 2,034 | $ 601,525,000 | $ 295,735 | $ 102,000 |
| Philadelphia, PA | 1,955 | $ 463,135,000 | $ 236,897 | $ 99,000 |
| Denver-Aurora-Broomfield, CO | 1,697 | $ 376,637,000 | $ 221,942 | $ 79,000 |
| New York-White Plains-Wayne, NY-NJ | 1,609 | $ 474,146,000 | $ 294,683 | $ 109,550 |
| Dallas-Plano-Irving, TX | 1,583 | $ 331,819,000 | $ 209,614 | $ 115,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1,452 | $ 406,510,000 | $ 279,965 | $ 111,626 |
| Houston-Sugar Land-Baytown, TX | 1,225 | $ 205,506,000 | $ 167,760 | $ 94,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 1,133 | $ 281,243,000 | $ 248,228 | $ 95,000 |
| Jacksonville, FL | 1,068 | $ 158,498,000 | $ 148,406 | $ 60,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 1,043 | $ 181,690,000 | $ 174,199 | $ 15,000 |
| Baltimore-Towson, MD | 815 | $ 207,704,000 | $ 254,851 | $ 103,000 |
| Oakland-Fremont-Hayward, CA | 734 | $ 268,703,000 | $ 366,080 | $ 137,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 720 | $ 151,826,000 | $ 210,869 | $ 96,066 |
| Edison-New Brunswick, NJ | 697 | $ 190,476,000 | $ 273,279 | $ 130,000 |
| Los Angeles-Long Beach-Glendale, CA | 688 | $ 196,271,000 | $ 285,277 | $ 98,000 |
| Newark-Union, NJ-PA | 647 | $ 180,637,000 | $ 279,191 | $ 120,608 |
| San Jose-Sunnyvale-Santa Clara, CA | 602 | $ 258,951,000 | $ 430,151 | $ 151,000 |
| San Francisco-San Mateo-Redwood City, CA | 588 | $ 260,817,000 | $ 443,566 | $ 166,000 |
| St. Louis, MO-IL | 576 | $ 83,371,000 | $ 144,741 | $ 55,789 |
| Nassau-Suffolk, NY | 556 | $ 135,992,000 | $ 244,589 | $ 103,000 |
| Phoenix-Mesa-Scottsdale, AZ | 552 | $ 103,261,000 | $ 187,067 | $ 66,000 |
| Austin-Round Rock, TX | 545 | $ 118,161,000 | $ 216,809 | $ 109,000 |
| Honolulu, HI | 541 | $ 208,024,000 | $ 384,517 | $ 106,000 |
| Indianapolis-Carmel, IN | 537 | $ 77,613,000 | $ 144,530 | $ 60,000 |
| Bethesda-Frederick-Rockville, MD | 531 | $ 157,618,000 | $ 296,832 | $ 111,000 |
| Fort Worth-Arlington, TX | 517 | $ 94,692,000 | $ 183,156 | $ 87,000 |
| Memphis, TN-MS-AR | 489 | $ 51,106,000 | $ 104,511 | $ 28,425 |
| Charlotte-Gastonia-Concord, NC-SC | 480 | $ 92,830,000 | $ 193,395 | $ 82,900 |
| Harrisburg-Carlisle, PA | 465 | $ 85,552,000 | $ 183,982 | $ 83,000 |
| San Antonio, TX | 465 | $ 55,272,000 | $ 118,864 | $ 46,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 433 | $ 84,058,000 | $ 194,129 | $ 73,916 |
| Birmingham-Hoover, AL | 422 | $ 57,018,000 | $ 135,113 | $ 52,000 |
| Pittsburgh, PA | 409 | $ 66,711,000 | $ 163,107 | $ 80,000 |
| Tampa-St. Petersburg-Clearwater, FL | 397 | $ 58,534,000 | $ 147,440 | $ 58,000 |
| Portland-Vancouver-Beaverton, OR-WA | 394 | $ 84,893,000 | $ 215,464 | $ 83,502 |
| Warren-Troy-Farmington Hills, MI | 394 | $ 62,538,000 | $ 158,725 | $ 58,000 |
| Lake County-Kenosha County, IL-WI | 380 | $ 87,338,000 | $ 229,836 | $ 89,618 |
| Richmond, VA | 377 | $ 75,164,000 | $ 199,374 | $ 82,000 |
| Boulder, CO | 359 | $ 83,138,000 | $ 231,582 | $ 85,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 344 | $ 68,662,000 | $ 199,598 | $ 82,000 |
| Camden, NJ | 342 | $ 68,792,000 | $ 201,146 | $ 99,000 |
| Detroit-Livonia-Dearborn, MI | 330 | $ 35,215,000 | $ 106,712 | $ 34,000 |
| Cincinnati-Middletown, OH-KY-IN | 320 | $ 39,993,000 | $ 124,978 | $ 34,384 |
| Riverside-San Bernardino-Ontario, CA | 317 | $ 64,187,000 | $ 202,482 | $ 96,000 |
| Orlando-Kissimmee, FL | 313 | $ 53,714,000 | $ 171,610 | $ 71,000 |
| Baton Rouge, LA | 308 | $ 56,563,000 | $ 183,646 | $ 92,000 |
| Bridgeport-Stamford-Norwalk, CT | 303 | $ 96,274,000 | $ 317,735 | $ 151,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 303 | $ 41,092,000 | $ 135,617 | $ 46,000 |
| Providence-New Bedford-Fall River, RI-MA | 302 | $ 50,415,000 | $ 166,937 | $ 57,201 |
| Hartford-West Hartford-East Hartford, CT | 299 | $ 67,111,000 | $ 224,451 | $ 92,000 |
| Kansas City, MO-KS | 297 | $ 40,905,000 | $ 137,727 | $ 51,848 |
| Santa Ana-Anaheim-Irvine, CA | 297 | $ 100,354,000 | $ 337,892 | $ 120,000 |
| Gary, IN | 282 | $ 42,504,000 | $ 150,723 | $ 55,000 |
| Boston-Quincy, MA | 266 | $ 68,545,000 | $ 257,687 | $ 104,000 |
| Tacoma, WA | 252 | $ 59,074,000 | $ 234,420 | $ 87,000 |
| Albuquerque, NM | 250 | $ 49,544,000 | $ 198,176 | $ 78,000 |
| Burlington-South Burlington, VT | 238 | $ 37,594,000 | $ 157,957 | $ 76,000 |
| Montgomery, AL | 238 | $ 25,127,000 | $ 105,575 | $ 32,000 |
| Columbus, OH | 235 | $ 36,145,000 | $ 153,808 | $ 59,000 |
| Oklahoma City, OK | 234 | $ 36,794,000 | $ 157,239 | $ 77,000 |
| Fort Collins-Loveland, CO | 231 | $ 51,839,000 | $ 224,411 | $ 91,000 |
| Des Moines-West Des Moines, IA | 230 | $ 42,732,000 | $ 185,791 | $ 80,000 |
| Greeley, CO | 230 | $ 43,983,000 | $ 191,230 | $ 65,000 |
| Raleigh-Cary, NC | 230 | $ 45,510,000 | $ 197,869 | $ 84,000 |
| Salt Lake City, UT | 225 | $ 51,139,000 | $ 227,284 | $ 78,000 |
| New Orleans-Metairie-Kenner, LA | 223 | $ 34,286,000 | $ 153,748 | $ 75,000 |
| Cleveland-Elyria-Mentor, OH | 215 | $ 30,153,000 | $ 140,246 | $ 52,000 |
| York-Hanover, PA | 206 | $ 38,892,000 | $ 188,796 | $ 81,000 |
| Jackson, MS | 204 | $ 22,541,000 | $ 110,495 | $ 28,000 |
| Little Rock-North Little Rock-Conway, AR | 204 | $ 20,146,000 | $ 98,754 | $ 35,000 |
| New Haven-Milford, CT | 201 | $ 42,572,000 | $ 211,800 | $ 90,000 |
| San Diego-Carlsbad-San Marcos, CA | 196 | $ 57,180,000 | $ 291,734 | $ 107,000 |
| Cambridge-Newton-Framingham, MA | 191 | $ 44,550,000 | $ 233,246 | $ 99,000 |
| Milwaukee-Waukesha-West Allis, WI | 189 | $ 34,798,000 | $ 184,116 | $ 85,000 |
| Rockingham County-Strafford County, NH | 186 | $ 39,875,000 | $ 214,381 | $ 91,000 |
| Tucson, AZ | 183 | $ 29,788,000 | $ 162,775 | $ 70,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 181 | $ 33,432,000 | $ 184,707 | $ 76,000 |
| Augusta-Richmond County, GA-SC | 177 | $ 25,359,000 | $ 143,271 | $ 61,084 |
| Omaha-Council Bluffs, NE-IA | 167 | $ 22,987,000 | $ 137,646 | $ 65,227 |
| Reading, PA | 167 | $ 28,050,000 | $ 167,964 | $ 72,000 |
| Wilmington, DE-MD-NJ | 167 | $ 31,935,000 | $ 191,227 | $ 85,017 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 166 | $ 30,319,000 | $ 182,644 | $ 81,000 |
| Portland-South Portland-Biddeford, ME | 163 | $ 31,322,000 | $ 192,159 | $ 96,000 |
| Worcester, MA | 158 | $ 32,086,000 | $ 203,075 | $ 90,000 |
| Boise City-Nampa, ID | 150 | $ 23,958,000 | $ 159,720 | $ 92,000 |
| Colorado Springs, CO | 150 | $ 29,125,000 | $ 194,166 | $ 69,000 |
| Billings, MT | 148 | $ 28,545,000 | $ 192,871 | $ 89,000 |
| Evansville, IN-KY | 147 | $ 15,776,000 | $ 107,319 | $ 69,238 |
| Miami-Miami Beach-Kendall, FL | 146 | $ 23,850,000 | $ 163,356 | $ 94,000 |
| Knoxville, TN | 144 | $ 27,241,000 | $ 189,173 | $ 93,000 |
| Mobile, AL | 142 | $ 14,270,000 | $ 100,492 | $ 35,000 |
| Dayton, OH | 140 | $ 14,480,000 | $ 103,428 | $ 26,000 |
| Louisville-Jefferson County, KY-IN | 140 | $ 19,256,000 | $ 137,542 | $ 49,985 |
| Las Vegas-Paradise, NV | 135 | $ 23,444,000 | $ 173,659 | $ 61,000 |
| Scranton--Wilkes-Barre, PA | 135 | $ 19,123,000 | $ 141,651 | $ 64,000 |
| McAllen-Edinburg-Mission, TX | 133 | $ 13,799,000 | $ 103,751 | $ 55,000 |
| Akron, OH | 131 | $ 19,908,000 | $ 151,969 | $ 47,000 |
| Lancaster, PA | 129 | $ 23,596,000 | $ 182,914 | $ 80,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 128 | $ 27,903,000 | $ 217,992 | $ 101,000 |
| Manchester-Nashua, NH | 118 | $ 22,921,000 | $ 194,245 | $ 91,000 |
| Columbia, SC | 117 | $ 13,588,000 | $ 116,136 | $ 51,000 |
| Bradenton-Sarasota-Venice, FL | 114 | $ 22,799,000 | $ 199,991 | $ 77,000 |
| Spokane, WA | 114 | $ 19,360,000 | $ 169,824 | $ 63,000 |
| Peabody, MA | 107 | $ 27,505,000 | $ 257,056 | $ 100,000 |
| Tulsa, OK | 104 | $ 15,133,000 | $ 145,509 | $ 80,000 |
| Springfield, MA | 99 | $ 15,939,000 | $ 161,000 | $ 67,000 |
| Chattanooga, TN-GA | 98 | $ 10,793,000 | $ 110,132 | $ 38,673 |
| Grand Rapids-Wyoming, MI | 97 | $ 14,129,000 | $ 145,659 | $ 65,000 |
| Flint, MI | 93 | $ 10,975,000 | $ 118,010 | $ 38,000 |
| Huntsville, AL | 93 | $ 10,614,000 | $ 114,129 | $ 60,000 |
| Olympia, WA | 90 | $ 23,400,000 | $ 260,000 | $ 94,000 |
| Cape Coral-Fort Myers, FL | 89 | $ 12,879,000 | $ 144,707 | $ 69,000 |
| South Bend-Mishawaka, IN-MI | 89 | $ 9,794,000 | $ 110,044 | $ 34,348 |
| Stockton, CA | 88 | $ 16,465,000 | $ 187,102 | $ 86,000 |
| Durham-Chapel Hill, NC | 86 | $ 15,043,000 | $ 174,918 | $ 82,000 |
| Bremerton-Silverdale, WA | 85 | $ 20,775,000 | $ 244,411 | $ 90,000 |
| Shreveport-Bossier City, LA | 85 | $ 8,524,000 | $ 100,282 | $ 38,000 |
| Santa Fe, NM | 80 | $ 22,832,000 | $ 285,400 | $ 90,000 |
| Madison, WI | 79 | $ 15,916,000 | $ 201,468 | $ 83,000 |
| Ogden-Clearfield, UT | 79 | $ 15,604,000 | $ 197,518 | $ 57,000 |
| Rockford, IL | 79 | $ 8,727,000 | $ 110,468 | $ 28,000 |
| Columbus, GA-AL | 78 | $ 7,868,000 | $ 100,871 | $ 18,333 |
| Santa Rosa-Petaluma, CA | 75 | $ 20,969,000 | $ 279,586 | $ 95,000 |
| Canton-Massillon, OH | 74 | $ 10,583,000 | $ 143,013 | $ 46,000 |
| Greensboro-High Point, NC | 74 | $ 10,867,000 | $ 146,851 | $ 50,000 |
| Fayetteville, NC | 73 | $ 7,460,000 | $ 102,191 | $ 41,000 |
| Santa Cruz-Watsonville, CA | 73 | $ 27,989,000 | $ 383,410 | $ 141,000 |
| Trenton-Ewing, NJ | 72 | $ 16,987,000 | $ 235,930 | $ 118,000 |
| Wichita, KS | 72 | $ 8,123,000 | $ 112,819 | $ 57,000 |
| Bellingham, WA | 70 | $ 16,720,000 | $ 238,857 | $ 79,000 |
| Vallejo-Fairfield, CA | 70 | $ 15,687,000 | $ 224,100 | $ 78,000 |
| Fort Wayne, IN | 68 | $ 6,947,000 | $ 102,161 | $ 39,000 |
| Killeen-Temple-Fort Hood, TX | 67 | $ 5,815,000 | $ 86,791 | $ 25,000 |
| Lakeland-Winter Haven, FL | 67 | $ 9,457,000 | $ 141,149 | $ 70,000 |
| Lansing-East Lansing, MI | 64 | $ 8,958,000 | $ 139,968 | $ 61,000 |
| Gulfport-Biloxi, MS | 61 | $ 6,714,000 | $ 110,065 | $ 28,000 |
| Reno-Sparks, NV | 61 | $ 11,959,000 | $ 196,049 | $ 70,000 |
| Barnstable Town, MA | 60 | $ 14,238,000 | $ 237,300 | $ 116,000 |
| Charleston-North Charleston-Summerville, SC | 60 | $ 11,590,000 | $ 193,166 | $ 143,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 60 | $ 6,225,000 | $ 103,750 | $ 32,333 |
| Deltona-Daytona Beach-Ormond Beach, FL | 59 | $ 9,763,000 | $ 165,474 | $ 69,000 |
| Tuscaloosa, AL | 59 | $ 9,018,000 | $ 152,847 | $ 53,000 |
| Ann Arbor, MI | 58 | $ 11,515,000 | $ 198,534 | $ 88,000 |
| El Paso, TX | 58 | $ 5,338,000 | $ 92,034 | $ 49,000 |
| Kingsport-Bristol-Bristol, TN-VA | 57 | $ 5,970,000 | $ 104,736 | $ 30,368 |
| Albany-Schenectady-Troy, NY | 56 | $ 9,447,000 | $ 168,696 | $ 75,000 |
| Bangor, ME | 56 | $ 8,117,000 | $ 144,946 | $ 89,000 |
| Modesto, CA | 56 | $ 8,628,000 | $ 154,071 | $ 63,000 |
| Provo-Orem, UT | 56 | $ 13,004,000 | $ 232,214 | $ 94,000 |
| Bakersfield, CA | 54 | $ 9,394,000 | $ 173,962 | $ 68,000 |
| Buffalo-Niagara Falls, NY | 54 | $ 6,942,000 | $ 128,555 | $ 65,000 |
| Greenville-Mauldin-Easley, SC | 54 | $ 6,571,000 | $ 121,685 | $ 47,000 |
| Kennewick-Pasco-Richland, WA | 52 | $ 7,955,000 | $ 152,980 | $ 72,000 |
| Naples-Marco Island, FL | 52 | $ 10,107,000 | $ 194,365 | $ 73,000 |
| Pensacola-Ferry Pass-Brent, FL | 52 | $ 5,419,000 | $ 104,211 | $ 26,000 |
| Salinas, CA | 52 | $ 13,103,000 | $ 251,980 | $ 92,000 |
| Davenport-Moline-Rock Island, IA-IL | 51 | $ 5,442,000 | $ 106,705 | $ 29,764 |
| Fresno, CA | 51 | $ 7,659,000 | $ 150,176 | $ 62,000 |
| Palm Bay-Melbourne-Titusville, FL | 51 | $ 6,728,000 | $ 131,921 | $ 63,000 |
| Springfield, MO | 51 | $ 5,233,000 | $ 102,607 | $ 21,000 |
| Hagerstown-Martinsburg, MD-WV | 49 | $ 9,617,000 | $ 196,265 | $ 63,959 |
| Corpus Christi, TX | 48 | $ 5,234,000 | $ 109,041 | $ 46,000 |
| Fort Smith, AR-OK | 48 | $ 3,882,000 | $ 80,875 | $ 25,500 |
| Bloomington, IN | 47 | $ 5,467,000 | $ 116,319 | $ 57,000 |
| Savannah, GA | 47 | $ 7,128,000 | $ 151,659 | $ 50,000 |
| Sioux Falls, SD | 47 | $ 8,801,000 | $ 187,255 | $ 69,000 |
| Terre Haute, IN | 47 | $ 4,387,000 | $ 93,340 | $ 71,000 |
| Wilmington, NC | 46 | $ 9,190,000 | $ 199,782 | $ 110,000 |
| Ocean City, NJ | 45 | $ 12,545,000 | $ 278,777 | $ 162,000 |
| Port St. Lucie, FL | 45 | $ 8,509,000 | $ 189,088 | $ 87,000 |
| Brownsville-Harlingen, TX | 44 | $ 4,039,000 | $ 91,795 | $ 71,000 |
| Clarksville, TN-KY | 44 | $ 4,199,000 | $ 95,431 | $ 43,727 |
| Macon, GA | 44 | $ 3,913,000 | $ 88,931 | $ 27,000 |
| Dalton, GA | 43 | $ 4,797,000 | $ 111,558 | $ 14,000 |
| Lexington-Fayette, KY | 43 | $ 5,057,000 | $ 117,604 | $ 54,000 |
| Chico, CA | 42 | $ 8,394,000 | $ 199,857 | $ 75,000 |
| Green Bay, WI | 42 | $ 7,727,000 | $ 183,976 | $ 78,000 |
| Prescott, AZ | 42 | $ 8,899,000 | $ 211,880 | $ 80,000 |
| Charlottesville, VA | 41 | $ 9,361,000 | $ 228,317 | $ 92,000 |
| St. Cloud, MN | 41 | $ 6,854,000 | $ 167,170 | $ 54,000 |
| Toledo, OH | 41 | $ 4,996,000 | $ 121,853 | $ 48,000 |
| Las Cruces, NM | 40 | $ 8,180,000 | $ 204,500 | $ 80,000 |
| Monroe, LA | 40 | $ 3,677,000 | $ 91,925 | $ 19,000 |
| Youngstown-Warren-Boardman, OH-PA | 40 | $ 3,594,000 | $ 89,850 | $ 33,375 |
| Elkhart-Goshen, IN | 39 | $ 3,625,000 | $ 92,948 | $ 16,000 |
| Winston-Salem, NC | 39 | $ 5,200,000 | $ 133,333 | $ 56,000 |
| Albany, GA | 37 | $ 3,691,000 | $ 99,756 | $ 21,000 |
| Bend, OR | 37 | $ 9,086,000 | $ 245,567 | $ 112,000 |
| Gainesville, GA | 37 | $ 5,219,000 | $ 141,054 | $ 36,000 |
| Lafayette, IN | 37 | $ 3,852,000 | $ 104,108 | $ 35,000 |
| Lafayette, LA | 37 | $ 6,109,000 | $ 165,108 | $ 96,000 |
| Pascagoula, MS | 37 | $ 3,273,000 | $ 88,459 | $ 22,000 |
| Asheville, NC | 36 | $ 7,351,000 | $ 204,194 | $ 72,000 |
| Atlantic City-Hammonton, NJ | 36 | $ 6,857,000 | $ 190,472 | $ 80,000 |
| Hinesville-Fort Stewart, GA | 36 | $ 3,724,000 | $ 103,444 | $ 37,000 |
| Lebanon, PA | 36 | $ 6,581,000 | $ 182,805 | $ 94,000 |
| Roanoke, VA | 36 | $ 6,273,000 | $ 174,250 | $ 64,000 |
| Columbia, MO | 35 | $ 4,316,000 | $ 123,314 | $ 44,000 |
| Houma-Bayou Cane-Thibodaux, LA | 35 | $ 5,880,000 | $ 168,000 | $ 87,000 |
| Peoria, IL | 35 | $ 3,923,000 | $ 112,085 | $ 58,000 |
| Visalia-Porterville, CA | 35 | $ 3,960,000 | $ 113,142 | $ 50,000 |
| Cheyenne, WY | 34 | $ 7,004,000 | $ 206,000 | $ 89,000 |
| Dothan, AL | 34 | $ 3,825,000 | $ 112,500 | $ 34,000 |
| Decatur, AL | 33 | $ 2,999,000 | $ 90,878 | $ 51,000 |
| Anderson, IN | 32 | $ 3,476,000 | $ 108,625 | $ 32,000 |
| Athens-Clarke County, GA | 32 | $ 3,449,000 | $ 107,781 | $ 33,000 |
| Missoula, MT | 32 | $ 6,692,000 | $ 209,125 | $ 87,000 |
| Muncie, IN | 32 | $ 2,611,000 | $ 81,593 | $ 54,000 |
| Norwich-New London, CT | 32 | $ 5,940,000 | $ 185,625 | $ 79,000 |
| Cedar Rapids, IA | 31 | $ 3,979,000 | $ 128,354 | $ 52,000 |
| Texarkana, Tx-Texarkana, AR | 31 | $ 2,993,000 | $ 96,548 | $ 50,870 |
| Auburn-Opelika, AL | 30 | $ 3,127,000 | $ 104,233 | $ 29,000 |
| Mount Vernon-Anacortes, WA | 30 | $ 7,006,000 | $ 233,533 | $ 69,000 |
| Salem, OR | 30 | $ 5,439,000 | $ 181,300 | $ 51,000 |
| Anniston-Oxford, AL | 29 | $ 3,165,000 | $ 109,137 | $ 29,000 |
| Hickory-Lenoir-Morganton, NC | 29 | $ 5,538,000 | $ 190,965 | $ 69,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 29 | $ 5,869,000 | $ 202,379 | $ 107,000 |
| Wenatchee-East Wenatchee, WA | 29 | $ 6,453,000 | $ 222,517 | $ 106,000 |
| Eugene-Springfield, OR | 28 | $ 4,865,000 | $ 173,750 | $ 63,000 |
| Fort Walton Beach-Crestview-Destin, FL | 28 | $ 4,121,000 | $ 147,178 | $ 39,000 |
| Jonesboro, AR | 28 | $ 2,412,000 | $ 86,142 | $ 17,000 |
| Duluth, MN-WI | 27 | $ 3,787,000 | $ 140,259 | $ 64,000 |
| San Luis Obispo-Paso Robles, CA | 27 | $ 7,343,000 | $ 271,962 | $ 117,000 |
| Beaumont-Port Arthur, TX | 26 | $ 3,030,000 | $ 116,538 | $ 92,000 |
| Bloomington-Normal, IL | 26 | $ 4,130,000 | $ 158,846 | $ 55,000 |
| College Station-Bryan, TX | 26 | $ 3,856,000 | $ 148,307 | $ 104,000 |
| Danville, IL | 26 | $ 2,342,000 | $ 90,076 | $ 50,000 |
| Tyler, TX | 26 | $ 4,532,000 | $ 174,307 | $ 104,000 |
| Columbus, IN | 25 | $ 2,915,000 | $ 116,600 | $ 46,000 |
| Kokomo, IN | 25 | $ 2,478,000 | $ 99,120 | $ 14,000 |
| Sherman-Denison, TX | 25 | $ 3,423,000 | $ 136,920 | $ 64,000 |
| State College, PA | 25 | $ 4,306,000 | $ 172,240 | $ 73,000 |
| Coeur D'Alene, ID | 24 | $ 4,733,000 | $ 197,208 | $ 79,000 |
| Gainesville, FL | 24 | $ 3,679,000 | $ 153,291 | $ 75,000 |
| Holland-Grand Haven, MI | 24 | $ 3,354,000 | $ 139,750 | $ 39,000 |
| Ocala, FL | 24 | $ 3,373,000 | $ 140,541 | $ 40,000 |
| Pueblo, CO | 24 | $ 3,151,000 | $ 131,291 | $ 57,000 |
| Rochester, MN | 24 | $ 4,816,000 | $ 200,666 | $ 89,000 |
| Rochester, NY | 24 | $ 2,303,000 | $ 95,958 | $ 59,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 24 | $ 8,646,000 | $ 360,250 | $ 110,000 |
| Syracuse, NY | 24 | $ 2,957,000 | $ 123,208 | $ 58,000 |
| Yuba City, CA | 24 | $ 4,821,000 | $ 200,875 | $ 102,000 |
| Blacksburg-Christiansburg-Radford, VA | 23 | $ 4,266,000 | $ 185,478 | $ 111,000 |
| Kalamazoo-Portage, MI | 23 | $ 3,879,000 | $ 168,652 | $ 79,000 |
| Racine, WI | 23 | $ 3,715,000 | $ 161,521 | $ 71,000 |
| Tallahassee, FL | 23 | $ 3,160,000 | $ 137,391 | $ 42,000 |
| Alexandria, LA | 22 | $ 2,677,000 | $ 121,681 | $ 63,000 |
| Anchorage, AK | 22 | $ 3,991,000 | $ 181,409 | $ 53,000 |
| Kankakee-Bradley, IL | 22 | $ 3,328,000 | $ 151,272 | $ 65,000 |
| Medford, OR | 22 | $ 4,083,000 | $ 185,590 | $ 85,000 |
| Yakima, WA | 22 | $ 3,503,000 | $ 159,227 | $ 75,000 |
| Fargo, ND-MN | 21 | $ 3,234,000 | $ 154,000 | $ 67,285 |
| Topeka, KS | 21 | $ 2,438,000 | $ 116,095 | $ 49,000 |
| Winchester, VA-WV | 21 | $ 3,898,000 | $ 185,619 | $ 74,142 |
| Jacksonville, NC | 20 | $ 2,572,000 | $ 128,600 | $ 43,000 |
| Waterloo-Cedar Falls, IA | 20 | $ 2,812,000 | $ 140,600 | $ 65,000 |
| Burlington, NC | 19 | $ 2,766,000 | $ 145,578 | $ 79,000 |
| Decatur, IL | 19 | $ 1,290,000 | $ 67,894 | $ 14,000 |
| Lynchburg, VA | 19 | $ 2,712,000 | $ 142,736 | $ 84,000 |
| Michigan City-La Porte, IN | 19 | $ 2,062,000 | $ 108,526 | $ 36,000 |
| Pine Bluff, AR | 19 | $ 826,000 | $ 43,473 | $ 12,000 |
| Redding, CA | 19 | $ 2,710,000 | $ 142,631 | $ 51,000 |
| Florence-Muscle Shoals, AL | 18 | $ 1,750,000 | $ 97,222 | $ 53,000 |
| Laredo, TX | 18 | $ 1,906,000 | $ 105,888 | $ 36,000 |
| Lima, OH | 18 | $ 1,945,000 | $ 108,055 | $ 10,000 |
| Lincoln, NE | 18 | $ 1,966,000 | $ 109,222 | $ 48,000 |
| Monroe, MI | 18 | $ 2,741,000 | $ 152,277 | $ 51,000 |
| Napa, CA | 18 | $ 5,353,000 | $ 297,388 | $ 111,000 |
| Niles-Benton Harbor, MI | 18 | $ 2,451,000 | $ 136,166 | $ 47,000 |
| Owensboro, KY | 18 | $ 1,798,000 | $ 99,888 | $ 43,000 |
| Erie, PA | 17 | $ 2,159,000 | $ 127,000 | $ 55,000 |
| Jackson, TN | 17 | $ 1,369,000 | $ 80,529 | $ 9,000 |
| Lubbock, TX | 17 | $ 1,914,000 | $ 112,588 | $ 74,000 |
| Merced, CA | 17 | $ 2,188,000 | $ 128,705 | $ 51,000 |
| Rome, GA | 17 | $ 1,726,000 | $ 101,529 | $ 19,000 |
| Valdosta, GA | 17 | $ 1,721,000 | $ 101,235 | $ 39,000 |
| Yuma, AZ | 17 | $ 2,565,000 | $ 150,882 | $ 31,000 |
| Dover, DE | 16 | $ 3,542,000 | $ 221,375 | $ 95,000 |
| Grand Junction, CO | 16 | $ 3,765,000 | $ 235,312 | $ 94,000 |
| Jackson, MI | 16 | $ 1,886,000 | $ 117,875 | $ 27,000 |
| Johnstown, PA | 16 | $ 1,704,000 | $ 106,500 | $ 54,000 |
| Lake Havasu City-Kingman, AZ | 16 | $ 3,259,000 | $ 203,687 | $ 64,000 |
| Panama City-Lynn Haven-Panama City Beach, FL | 16 | $ 1,817,000 | $ 113,562 | $ 17,000 |
| Punta Gorda, FL | 16 | $ 2,093,000 | $ 130,812 | $ 43,000 |
| Spartanburg, SC | 16 | $ 2,122,000 | $ 132,625 | $ 43,000 |
| Utica-Rome, NY | 16 | $ 1,602,000 | $ 100,125 | $ 70,000 |
| Vineland-Millville-Bridgeton, NJ | 16 | $ 2,193,000 | $ 137,062 | $ 74,000 |
| Champaign-Urbana, IL | 15 | $ 1,850,000 | $ 123,333 | $ 59,000 |
| Hanford-Corcoran, CA | 15 | $ 2,577,000 | $ 171,800 | $ 79,000 |
| Hattiesburg, MS | 15 | $ 1,218,000 | $ 81,200 | $ 30,000 |
| Sumter, SC | 15 | $ 1,224,000 | $ 81,600 | $ 35,000 |
| Warner Robins, GA | 15 | $ 2,063,000 | $ 137,533 | $ 62,000 |
| Anderson, SC | 14 | $ 1,409,000 | $ 100,642 | $ 22,000 |
| Muskegon-Norton Shores, MI | 14 | $ 1,617,000 | $ 115,500 | $ 36,000 |
| Springfield, OH | 14 | $ 1,212,000 | $ 86,571 | $ 32,000 |
| Goldsboro, NC | 13 | $ 1,748,000 | $ 134,461 | $ 38,000 |
| Johnson City, TN | 13 | $ 1,487,000 | $ 114,384 | $ 58,000 |
| Joplin, MO | 13 | $ 1,085,000 | $ 83,461 | $ 26,000 |
| Kingston, NY | 13 | $ 2,294,000 | $ 176,461 | $ 75,000 |
| Saginaw-Saginaw Township North, MI | 13 | $ 1,433,000 | $ 110,230 | $ 47,000 |
| Amarillo, TX | 12 | $ 1,286,000 | $ 107,166 | $ 37,000 |
| Appleton, WI | 12 | $ 2,343,000 | $ 195,250 | $ 57,000 |
| Cape Girardeau-Jackson, MO-IL | 12 | $ 2,113,000 | $ 176,083 | $ 77,000 |
| Iowa City, IA | 12 | $ 2,098,000 | $ 174,833 | $ 62,000 |
| Lewiston-Auburn, ME | 12 | $ 1,699,000 | $ 141,583 | $ 71,000 |
| Morristown, TN | 12 | $ 1,581,000 | $ 131,750 | $ 62,000 |
| Salisbury, MD | 12 | $ 2,105,000 | $ 175,416 | $ 80,000 |
| Charleston, WV | 11 | $ 920,000 | $ 83,636 | $ 69,000 |
| Cumberland, MD-WV | 11 | $ 1,737,000 | $ 157,909 | $ 70,181 |
| Florence, SC | 11 | $ 1,230,000 | $ 111,818 | $ 56,000 |
| Harrisonburg, VA | 11 | $ 1,826,000 | $ 166,000 | $ 78,000 |
| Lake Charles, LA | 11 | $ 1,474,000 | $ 134,000 | $ 66,000 |
| Palm Coast, FL | 11 | $ 1,680,000 | $ 152,727 | $ 67,000 |
| Ames, IA | 10 | $ 1,551,000 | $ 155,100 | $ 57,000 |
| Great Falls, MT | 10 | $ 2,287,000 | $ 228,700 | $ 90,000 |
| Hot Springs, AR | 10 | $ 1,046,000 | $ 104,600 | $ 83,000 |
| Huntington-Ashland, WV-KY-OH | 10 | $ 806,000 | $ 80,600 | $ 35,800 |
| Idaho Falls, ID | 10 | $ 1,484,000 | $ 148,400 | $ 42,000 |
| Jefferson City, MO | 10 | $ 1,073,000 | $ 107,300 | $ 42,000 |
| Lawton, OK | 10 | $ 670,000 | $ 67,000 | $ 24,000 |
| Madera-Chowchilla, CA | 10 | $ 1,780,000 | $ 178,000 | $ 62,000 |
| Mansfield, OH | 10 | $ 837,000 | $ 83,700 | $ 13,000 |
| Sioux City, IA-NE-SD | 10 | $ 1,140,000 | $ 114,000 | $ 48,600 |
| Farmington, NM | 9 | $ 1,495,000 | $ 166,111 | $ 85,000 |
| Flagstaff, AZ | 9 | $ 2,251,000 | $ 250,111 | $ 94,000 |
| Longview, WA | 9 | $ 1,617,000 | $ 179,666 | $ 76,000 |
| Midland, TX | 9 | $ 1,683,000 | $ 187,000 | $ 90,000 |
| Rapid City, SD | 9 | $ 1,469,000 | $ 163,222 | $ 75,000 |
| Rocky Mount, NC | 9 | $ 1,352,000 | $ 150,222 | $ 57,000 |
| Sandusky, OH | 9 | $ 977,000 | $ 108,555 | $ 48,000 |
| Sebastian-Vero Beach, FL | 9 | $ 1,950,000 | $ 216,666 | $ 69,000 |
| Victoria, TX | 9 | $ 725,000 | $ 80,555 | $ 16,000 |
| Waco, TX | 9 | $ 1,469,000 | $ 163,222 | $ 141,000 |
| Wausau, WI | 9 | $ 968,000 | $ 107,555 | $ 53,000 |
| Altoona, PA | 8 | $ 1,332,000 | $ 166,500 | $ 86,000 |
| Bay City, MI | 8 | $ 922,000 | $ 115,250 | $ 57,000 |
| Binghamton, NY | 8 | $ 950,000 | $ 118,750 | $ 71,000 |
| Cleveland, TN | 8 | $ 728,000 | $ 91,000 | $ 15,000 |
| Danville, VA | 8 | $ 806,000 | $ 100,750 | $ 42,000 |
| Elizabethtown, KY | 8 | $ 1,103,000 | $ 137,875 | $ 32,000 |
| Greenville, NC | 8 | $ 1,546,000 | $ 193,250 | $ 90,000 |
| Longview, TX | 8 | $ 657,000 | $ 82,125 | $ 23,000 |
| Parkersburg-Marietta-Vienna, WV-OH | 8 | $ 975,000 | $ 121,875 | $ 62,000 |
| Springfield, IL | 8 | $ 1,290,000 | $ 161,250 | $ 56,000 |
| St. Joseph, MO-KS | 8 | $ 834,000 | $ 104,250 | $ 43,000 |
| Weirton-Steubenville, WV-OH | 8 | $ 618,000 | $ 77,250 | $ 36,000 |
| Wheeling, WV-OH | 8 | $ 738,000 | $ 92,250 | $ 25,000 |
| Brunswick, GA | 7 | $ 1,593,000 | $ 227,571 | $ 176,000 |
| Gadsden, AL | 7 | $ 822,000 | $ 117,428 | $ 91,000 |
| Oshkosh-Neenah, WI | 7 | $ 999,000 | $ 142,714 | $ 61,000 |
| Abilene, TX | 6 | $ 1,003,000 | $ 167,166 | $ 66,000 |
| Battle Creek, MI | 6 | $ 893,000 | $ 148,833 | $ 119,000 |
| Casper, WY | 6 | $ 1,069,000 | $ 178,166 | $ 63,000 |
| Fond Du Lac, WI | 6 | $ 681,000 | $ 113,500 | $ 51,000 |
| Glens Falls, NY | 6 | $ 1,190,000 | $ 198,333 | $ 102,000 |
| Manhattan, KS | 6 | $ 357,000 | $ 59,500 | $ 25,000 |
| Pittsfield, MA | 6 | $ 1,057,000 | $ 176,166 | $ 165,000 |
| Eau Claire, WI | 5 | $ 619,000 | $ 123,800 | $ 60,000 |
| Grand Forks, ND-MN | 5 | $ 964,000 | $ 192,800 | $ 56,800 |
| Janesville, WI | 5 | $ 441,000 | $ 88,200 | $ 30,000 |
| Lewiston, ID-WA | 5 | $ 719,000 | $ 143,800 | $ 49,600 |
| San Angelo, TX | 5 | $ 373,000 | $ 74,600 | $ 27,000 |
| St. George, UT | 5 | $ 1,320,000 | $ 264,000 | $ 107,000 |
| Wichita Falls, TX | 5 | $ 340,000 | $ 68,000 | $ 70,000 |
| Dubuque, IA | 4 | $ 363,000 | $ 90,750 | $ 25,000 |
| El Centro, CA | 4 | $ 279,000 | $ 69,750 | $ 45,000 |
| Elmira, NY | 4 | $ 608,000 | $ 152,000 | $ 103,000 |
| Mankato-North Mankato, MN | 4 | $ 672,000 | $ 168,000 | $ 74,000 |
| Pocatello, ID | 4 | $ 497,000 | $ 124,250 | $ 80,000 |
| Williamsport, PA | 4 | $ 412,000 | $ 103,000 | $ 46,000 |
| Corvallis, OR | 3 | $ 847,000 | $ 282,333 | $ 124,000 |
| La Crosse, WI-MN | 3 | $ 445,000 | $ 148,333 | $ 103,333 |
| Lawrence, KS | 3 | $ 359,000 | $ 119,666 | $ 65,000 |
| Odessa, TX | 3 | $ 356,000 | $ 118,666 | $ 48,000 |
| Sheboygan, WI | 3 | $ 487,000 | $ 162,333 | $ 45,000 |
| Bismarck, ND | 2 | $ 288,000 | $ 144,000 | $ 62,000 |
| Carson City, NV | 2 | $ 481,000 | $ 240,500 | $ 55,000 |
| Logan, UT-ID | 2 | $ 303,000 | $ 151,500 | $ 117,000 |
| Morgantown, WV | 2 | $ 472,000 | $ 236,000 | $ 220,000 |
| Fairbanks, AK | 1 | $ 215,000 | $ 215,000 | $ 0 |
Mortgage Loan Application Detail Totals for Everbank in 2009
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing | 46,795 | $10,138,862,000 | $216,000 | $2,000,000 | $88,000 | $7,915,000 |
| Home Purchase | 16,302 | $2,778,062,000 | $170,000 | $2,000,000 | $62,000 | $4,000,000 |
| Home Improvement | 249 | $42,284,000 | $169,000 | $553,000 | $69,000 | $558,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 34,451 | $7,878,421,000 | $228,000 | $2,000,000 | $98,000 | $7,915,000 |
| Not Provided | 12,354 | $2,387,770,000 | $193,000 | $1,500,000 | $83,000 | $2,619,000 |
| Not applicable | 7,071 | $615,834,000 | $87,000 | $460,000 | $0 | $39,000 |
| Asian | 3,555 | $1,021,125,000 | $287,000 | $1,500,000 | $103,000 | $3,696,000 |
| Black or African American | 2,847 | $447,313,000 | $157,000 | $1,000,000 | $54,000 | $845,000 |
| Hispanic | 2,554 | $496,973,000 | $194,000 | $1,040,000 | $69,000 | $775,000 |
| Native Hawaiian or Other Pacific Islander | 371 | $84,620,000 | $228,000 | $743,000 | $63,000 | $562,000 |
| American Indian or Alaskan Native | 143 | $27,152,000 | $189,000 | $580,000 | $73,000 | $660,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 44,436 | $10,219,830,000 | $229,000 | $2,000,000 | $102,000 | $7,915,000 |
| FHA-insured (Federal Housing Administration) | 16,215 | $2,476,128,000 | $152,000 | $743,000 | $36,000 | $3,696,000 |
| VA-guaranteed (Veterans Administration) | 2,695 | $263,250,000 | $97,000 | $500,000 | $6,000 | $225,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 30,786 | $6,950,129,000 | $225,000 | $1,500,000 | $93,000 | $5,561,000 |
| Application Denied By Financial Institution | 15,106 | $3,484,762,000 | $230,000 | $2,000,000 | $91,000 | $4,800,000 |
| Loan Purchased By The Institution | 9,757 | $1,046,762,000 | $107,000 | $730,000 | $21,000 | $2,619,000 |
| Application Withdrawn By Applicant | 3,321 | $605,858,000 | $182,000 | $1,000,000 | $89,000 | $3,000,000 |
| File Closed For Incompleteness | 3,180 | $598,339,000 | $188,000 | $1,500,000 | $95,000 | $7,915,000 |
| Application Approved But Not Accepted | 1,196 | $273,358,000 | $228,000 | $2,000,000 | $90,000 | $1,566,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit Application Incomplete | 3,640 | $1,033,072,000 | $283,000 | $1,920,000 | $112,000 | $3,467,000 |
| Collateral | 3,070 | $700,937,000 | $228,000 | $1,995,000 | $102,000 | $4,800,000 |
| Debt-To-Income Ratio | 2,942 | $647,060,000 | $219,000 | $1,524,000 | $57,000 | $2,630,000 |
| Credit History | 2,437 | $391,475,000 | $160,000 | $1,505,000 | $70,000 | $3,348,000 |
| Other | 2,139 | $505,501,000 | $236,000 | $1,365,000 | $105,000 | $3,696,000 |
| Unverifiable Information | 639 | $151,835,000 | $237,000 | $2,000,000 | $101,000 | $1,799,000 |
| Employment History | 127 | $31,937,000 | $251,000 | $960,000 | $88,000 | $596,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 112 | $22,945,000 | $204,000 | $650,000 | $85,000 | $522,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Everbank's 2009 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Everbank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Florida, download the full spreadsheet
with aggregated HMDA statistics today.
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