AllMortgageDetail - Mortgage Application Details

Everbank
Mortgage Loan Application
Totals and Details
for 2014

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Mortgage Company & Address Everbank
301 West Bay Street
Jacksonville, FL 32202
Federal Regulator Consumer Financial Protection Bureau (CFPB)
Years 2014  2013  2012  2011  
Total Number of Mortgage Applications 72,570
Total Mortgage Loan Application Amount $18,981,433,000
Average Mortgage Loan Application Amount $140,854
Highest Mortgage Loan Application Amount $18,000,000
Average Applicant Income $52,183
Highest Applicant Income $9,999,000

Mortgage Loan Application Detail Totals for Everbank in 2014

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 40,284 $9,553,383,000 $237,000 $18,000,000 $91,000 $9,999,000
Home Purchase 31,486 $9,237,075,000 $293,000 $7,300,000 $106,000 $9,999,000
Home Improvement 800 $190,975,000 $238,000 $2,600,000 $131,000 $9,999,000

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 30,028 $9,412,117,000 $313,000 $6,225,000 $154,000 $9,999,000
Not applicable 23,370 $3,824,430,000 $163,000 $18,000,000 $1,000 $766,000
Not Provided 7,766 $2,491,326,000 $320,000 $4,350,000 $144,000 $9,999,000
Hispanic 3,826 $816,733,000 $213,000 $2,275,000 $91,000 $3,506,000
Asian 3,760 $1,796,774,000 $477,000 $4,420,000 $178,000 $4,051,000
Black or African American 3,400 $548,893,000 $161,000 $3,080,000 $84,000 $5,760,000
American Indian or Alaskan Native 250 $48,842,000 $195,000 $1,760,000 $97,000 $1,800,000
Native Hawaiin or Other Pacific Islander 170 $42,318,000 $248,000 $1,684,000 $99,000 $668,000

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) 44,342 $14,578,799,000 $328,000 $18,000,000 $151,000 $9,999,000
FHA-insured (Federal Housing Administration) 25,392 $3,891,911,000 $153,000 $1,488,000 $11,000 $1,344,000
VA-guaranteed (Veterans Administration) 2,028 $399,742,000 $197,000 $1,222,000 $63,000 $584,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 808 $110,981,000 $137,000 $591,000 $9,000 $1,250,000

Outcome

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Loan Originated 25,684 $8,625,801,000 $335,000 $18,000,000 $149,000 $9,999,000
Loan Purchased By The Institution 23,289 $3,466,888,000 $148,000 $2,527,000 $1,000 $766,000
Application Denied By Financial Institution 12,157 $3,823,106,000 $314,000 $6,225,000 $137,000 $9,999,000
Application Withdrawn By Applicant 5,623 $1,673,926,000 $297,000 $16,400,000 $152,000 $9,999,000
File Closed For Incompleteness 5,191 $1,229,015,000 $236,000 $3,500,000 $121,000 $7,200,000
Application Approved But Not Accepted 626 $162,697,000 $259,000 $2,000,000 $143,000 $9,459,000
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 2,706 $988,468,000 $365,000 $6,225,000 $174,000 $6,000,000
Debt-To-Income Ratio 2,682 $888,938,000 $331,000 $4,000,000 $88,000 $2,080,000
Other 2,286 $615,881,000 $269,000 $3,000,000 $142,000 $4,556,000
Credit History 2,261 $541,881,000 $239,000 $4,454,000 $113,000 $9,999,000
Collateral 980 $283,756,000 $289,000 $3,900,000 $156,000 $4,215,000
Unverifiable Information 784 $324,512,000 $413,000 $3,965,000 $183,000 $3,343,000
Insufficient Cash (Downpayment, Closing Cost) 323 $118,485,000 $366,000 $3,250,000 $192,000 $9,999,000
Employment History 135 $61,185,000 $453,000 $2,240,000 $202,000 $4,503,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0