Everett Financial Inc. Mortgage Lending & HMDA Data, 2006
In 2006, Everett Financial Inc. of Dallas, TX reported 2,400 mortgage applications totaling $288.7 million, up 95% from 2005. The average application was for $120,311, and applicants reported an average income of $86,278. 83% of its applications resulted in an originated loan and 16% were denied. Its largest markets were Dallas-Plano-Irving, TX (929), Fort Worth-Arlington, TX (663) and San Antonio, TX (153) (applications in parentheses).
| Mortgage Company & Address | Everett Financial Inc. 14801 Quorum Dr Suite 300 Dallas, TX 75254 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2011 2010 2009 2008 2007 2006 2005 2004 |
| Total Number of Mortgage Applications | 2,400 |
| Total Mortgage Loan Application Amount | $288,747,000 |
| Average Mortgage Loan Application Amount | $120,311 |
| Highest Mortgage Loan Application Amount | $1,350,000 |
| Average Applicant Income | $86,278 |
| Highest Applicant Income | $1,344,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Everett Financial Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Dallas-Plano-Irving, TX | 929 | $ 119,986,000 | $ 129,156 | $ 96,000 |
| Fort Worth-Arlington, TX | 663 | $ 73,504,000 | $ 110,865 | $ 78,000 |
| San Antonio, TX | 153 | $ 15,042,000 | $ 98,313 | $ 71,000 |
| Austin-Round Rock, TX | 70 | $ 9,406,000 | $ 134,371 | $ 80,000 |
| Fort Wayne, IN | 65 | $ 5,991,000 | $ 92,169 | $ 54,000 |
| Houston-Sugar Land-Baytown, TX | 52 | $ 7,425,000 | $ 142,788 | $ 113,000 |
| Beaumont-Port Arthur, TX | 41 | $ 3,243,000 | $ 79,097 | $ 52,000 |
| Waco, TX | 25 | $ 2,397,000 | $ 95,880 | $ 57,000 |
| El Paso, TX | 21 | $ 1,631,000 | $ 77,666 | $ 62,000 |
| Denver-Aurora, CO | 20 | $ 3,578,000 | $ 178,900 | $ 58,000 |
| McAllen-Edinburg-Mission, TX | 12 | $ 1,235,000 | $ 102,916 | $ 54,000 |
| Indianapolis-Carmel, IN | 11 | $ 831,000 | $ 75,545 | $ 82,000 |
| Tampa-St. Petersburg-Clearwater, FL | 10 | $ 1,478,000 | $ 147,800 | $ 72,000 |
| Oklahoma City, OK | 9 | $ 1,406,000 | $ 156,222 | $ 69,000 |
| St. Louis, MO-IL | 9 | $ 1,176,000 | $ 130,666 | $ 71,000 |
| Bakersfield, CA | 8 | $ 1,422,000 | $ 177,750 | $ 95,000 |
| Brownsville-Harlingen, TX | 7 | $ 655,000 | $ 93,571 | $ 111,000 |
| Albuquerque, NM | 6 | $ 942,000 | $ 157,000 | $ 85,000 |
| Shreveport-Bossier City, LA | 6 | $ 484,000 | $ 80,666 | $ 34,000 |
| Cleveland-Elyria-Mentor, OH | 5 | $ 617,000 | $ 123,400 | $ 119,000 |
| Detroit-Livonia-Dearborn, MI | 5 | $ 419,000 | $ 83,800 | $ 16,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 5 | $ 783,000 | $ 156,600 | $ 83,000 |
| Gary, IN | 5 | $ 525,000 | $ 105,000 | $ 50,000 |
| Knoxville, TN | 5 | $ 577,000 | $ 115,400 | $ 108,000 |
| Miami-Miami Beach-Kendall, FL | 5 | $ 1,018,000 | $ 203,600 | $ 45,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 5 | $ 863,000 | $ 172,600 | $ 204,000 |
| Abilene, TX | 4 | $ 191,000 | $ 47,750 | $ 32,000 |
| Atlanta-Sandy Springs-Marietta, GA | 4 | $ 849,000 | $ 212,250 | $ 155,000 |
| Cincinnati-Middletown, OH-KY-IN | 4 | $ 701,000 | $ 175,250 | $ 50,250 |
| Evansville, IN-KY | 4 | $ 393,000 | $ 98,250 | $ 42,000 |
| Longview, TX | 4 | $ 326,000 | $ 81,500 | $ 43,000 |
| Los Angeles-Long Beach-Glendale, CA | 4 | $ 2,385,000 | $ 596,250 | $ 336,000 |
| Sherman-Denison, TX | 4 | $ 502,000 | $ 125,500 | $ 106,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 4 | $ 480,000 | $ 120,000 | $ 78,000 |
| Charlotte-Gastonia-Concord, NC-SC | 3 | $ 461,000 | $ 153,666 | $ 344,666 |
| College Station-Bryan, TX | 3 | $ 200,000 | $ 66,666 | $ 99,000 |
| Columbia, SC | 3 | $ 190,000 | $ 63,333 | $ 27,000 |
| Corpus Christi, TX | 3 | $ 492,000 | $ 164,000 | $ 75,000 |
| Kansas City, MO-KS | 3 | $ 478,000 | $ 159,333 | $ 35,000 |
| Killeen-Temple-Fort Hood, TX | 3 | $ 168,000 | $ 56,000 | $ 62,000 |
| Merced, CA | 3 | $ 667,000 | $ 222,333 | $ 62,000 |
| Panama City-Lynn Haven, FL | 3 | $ 597,000 | $ 199,000 | $ 209,000 |
| Pine Bluff, AR | 3 | $ 223,000 | $ 74,333 | $ 82,000 |
| Tyler, TX | 3 | $ 479,000 | $ 159,666 | $ 53,000 |
| Wichita Falls, TX | 3 | $ 125,000 | $ 41,666 | $ 51,000 |
| Akron, OH | 2 | $ 298,000 | $ 149,000 | $ 70,000 |
| Columbus, OH | 2 | $ 297,000 | $ 148,500 | $ 60,000 |
| Des Moines-West Des Moines, IA | 2 | $ 323,000 | $ 161,500 | $ 81,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 2 | $ 217,000 | $ 108,500 | $ 33,000 |
| Fort Collins-Loveland, CO | 2 | $ 456,000 | $ 228,000 | $ 138,000 |
| Greeley, CO | 2 | $ 324,000 | $ 162,000 | $ 41,000 |
| Jacksonville, FL | 2 | $ 221,000 | $ 110,500 | $ 83,000 |
| Lubbock, TX | 2 | $ 76,000 | $ 38,000 | $ 62,000 |
| New Orleans-Metairie-Kenner, LA | 2 | $ 198,000 | $ 99,000 | $ 129,000 |
| Parkersburg-Marietta-Vienna, WV-OH | 2 | $ 202,000 | $ 101,000 | $ 54,000 |
| Riverside-San Bernardino-Ontario, CA | 2 | $ 458,000 | $ 229,000 | $ 6,000 |
| Santa Ana-Anaheim-Irvine, CA | 2 | $ 1,620,000 | $ 810,000 | $ 1,344,000 |
| Stockton, CA | 2 | $ 485,000 | $ 242,500 | $ 159,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 2 | $ 388,000 | $ 194,000 | $ 58,000 |
| Warren-Troy-Farmington Hills, MI | 2 | $ 115,000 | $ 57,500 | $ 35,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 2 | $ 181,000 | $ 90,500 | $ 181,000 |
| Winston-Salem, NC | 2 | $ 304,000 | $ 152,000 | $ 40,000 |
| Worcester, MA | 2 | $ 392,000 | $ 196,000 | $ 144,000 |
| Amarillo, TX | 1 | $ 100,000 | $ 100,000 | $ 110,000 |
| Ann Arbor, MI | 1 | $ 178,000 | $ 178,000 | $ 56,000 |
| Baltimore-Towson, MD | 1 | $ 40,000 | $ 40,000 | $ 36,000 |
| Battle Creek, MI | 1 | $ 63,000 | $ 63,000 | $ 28,000 |
| Boulder, CO | 1 | $ 222,000 | $ 222,000 | $ 46,000 |
| Charleston-North Charleston, SC | 1 | $ 375,000 | $ 375,000 | $ 161,000 |
| Colorado Springs, CO | 1 | $ 345,000 | $ 345,000 | $ 85,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 176,000 | $ 176,000 | $ 72,000 |
| Elkhart-Goshen, IN | 1 | $ 141,000 | $ 141,000 | $ 71,000 |
| Fort Smith, AR-OK | 1 | $ 105,000 | $ 105,000 | $ 69,000 |
| Gainesville, GA | 1 | $ 102,000 | $ 102,000 | $ 0 |
| Greenville, SC | 1 | $ 55,000 | $ 55,000 | $ 33,000 |
| Jefferson City, MO | 1 | $ 143,000 | $ 143,000 | $ 132,000 |
| Lakeland, FL | 1 | $ 135,000 | $ 135,000 | $ 120,000 |
| Laredo, TX | 1 | $ 92,000 | $ 92,000 | $ 49,000 |
| Lima, OH | 1 | $ 92,000 | $ 92,000 | $ 23,000 |
| Orlando-Kissimmee, FL | 1 | $ 255,000 | $ 255,000 | $ 52,000 |
| Santa Rosa-Petaluma, CA | 1 | $ 332,000 | $ 332,000 | $ 56,000 |
| Springfield, OH | 1 | $ 80,000 | $ 80,000 | $ 54,000 |
| Terre Haute, IN | 1 | $ 88,000 | $ 88,000 | $ 96,000 |
| Texarkana, Tx-Texarkana, AR | 1 | $ 71,000 | $ 71,000 | $ 41,000 |
| Tulsa, OK | 1 | $ 233,000 | $ 233,000 | $ 123,000 |
| Victoria, TX | 1 | $ 126,000 | $ 126,000 | $ 43,000 |
| Visalia-Porterville, CA | 1 | $ 227,000 | $ 227,000 | $ 61,000 |
Mortgage Loan Application Detail Totals for Everett Financial Inc. in 2006
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 2,059 | $237,977,000 | $115,000 | $1,350,000 | $85,000 | $1,344,000 |
| Refinancing | 341 | $50,770,000 | $148,000 | $700,000 | $94,000 | $1,248,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 1,417 | $178,017,000 | $125,000 | $1,350,000 | $93,000 | $1,344,000 |
| Hispanic | 406 | $40,969,000 | $100,000 | $636,000 | $66,000 | $542,000 |
| Black or African American | 296 | $33,612,000 | $113,000 | $779,000 | $80,000 | $585,000 |
| Not Provided | 214 | $25,930,000 | $121,000 | $1,178,000 | $85,000 | $1,248,000 |
| Asian | 45 | $7,701,000 | $171,000 | $750,000 | $91,000 | $300,000 |
| Native Hawaiian or Other Pacific Islander | 16 | $1,815,000 | $113,000 | $233,000 | $105,000 | $216,000 |
| American Indian or Alaskan Native | 6 | $703,000 | $117,000 | $250,000 | $51,000 | $85,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 1,734 | $211,460,000 | $121,000 | $1,350,000 | $99,000 | $1,344,000 |
| FHA-insured (Federal Housing Administration) | 586 | $65,145,000 | $111,000 | $233,000 | $51,000 | $168,000 |
| VA-guaranteed (Veterans Administration) | 80 | $12,142,000 | $151,000 | $365,000 | $68,000 | $176,000 |
| 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 | 1,988 | $237,332,000 | $119,000 | $1,178,000 | $85,000 | $1,248,000 |
| Application Denied By Financial Institution | 377 | $46,440,000 | $123,000 | $1,350,000 | $87,000 | $946,000 |
| Application Approved But Not Accepted | 35 | $4,975,000 | $142,000 | $1,350,000 | $137,000 | $1,344,000 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Other | 151 | $15,899,000 | $105,000 | $636,000 | $75,000 | $456,000 |
| Credit History | 84 | $10,123,000 | $120,000 | $376,000 | $78,000 | $480,000 |
| Debt-To-Income Ratio | 45 | $4,996,000 | $111,000 | $332,000 | $56,000 | $451,000 |
| Collateral | 25 | $4,900,000 | $196,000 | $1,350,000 | $223,000 | $946,000 |
| Unverifiable Information | 21 | $4,105,000 | $195,000 | $680,000 | $79,000 | $420,000 |
| Employment History | 6 | $688,000 | $114,000 | $256,000 | $103,000 | $226,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $245,000 | $81,000 | $133,000 | $165,000 | $420,000 |
| Credit Application Incomplete | 2 | $320,000 | $160,000 | $171,000 | $74,000 | $102,000 |
| Mortgage Insurance Denied | 1 | $66,000 | $66,000 | $66,000 | $96,000 | $96,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Everett Financial Inc.'s 2006 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 Everett Financial Inc.'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.
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