Everhome Mortgage Company Mortgage Lending & HMDA Data, 2010
In 2010, Everhome Mortgage Company of Jacksonville, FL reported 12,740 mortgage applications totaling $2.2 billion, down 23% from 2009. The average application was for $173,888, and applicants reported an average income of $87,052. 38% of its applications resulted in an originated loan and 31% were denied. Its largest markets were Atlanta-Sandy Springs-Marietta, GA (576), New York-White Plains-Wayne, NY-NJ (348) and Houston-Sugar Land-Baytown, TX (338) (applications in parentheses).
| Mortgage Company & Address | Everhome Mortgage Company 8100 Nations Way Jacksonville, FL 32256 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 2007 |
| Total Number of Mortgage Applications | 12,740 |
| Total Mortgage Loan Application Amount | $2,215,343,000 |
| Average Mortgage Loan Application Amount | $173,888 |
| Highest Mortgage Loan Application Amount | $1,412,000 |
| Average Applicant Income | $87,052 |
| Highest Applicant Income | $4,457,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Everhome Mortgage Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Everhome Mortgage Company in 2010
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 | 12,450 | $2,165,994,000 | $173,000 | $1,412,000 | $87,000 | $4,457,000 |
| Home Purchase | 271 | $46,559,000 | $171,000 | $1,120,000 | $91,000 | $680,000 |
| Home Improvement | 19 | $2,790,000 | $146,000 | $406,000 | $65,000 | $147,000 |
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 |
|---|---|---|---|---|---|---|
| Not Provided | 6,484 | $1,125,885,000 | $173,000 | $1,120,000 | $86,000 | $1,600,000 |
| White | 4,897 | $863,768,000 | $176,000 | $1,412,000 | $90,000 | $4,457,000 |
| Black or African American | 564 | $76,513,000 | $135,000 | $720,000 | $67,000 | $330,000 |
| Hispanic | 459 | $77,365,000 | $168,000 | $990,000 | $80,000 | $750,000 |
| Asian | 269 | $60,167,000 | $223,000 | $993,000 | $99,000 | $531,000 |
| American Indian or Alaskan Native | 44 | $6,728,000 | $152,000 | $393,000 | $74,000 | $260,000 |
| Native Hawaiian or Other Pacific Islander | 23 | $4,917,000 | $213,000 | $440,000 | $77,000 | $143,000 |
| 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) | 11,355 | $2,007,386,000 | $176,000 | $1,412,000 | $90,000 | $4,457,000 |
| FHA-insured (Federal Housing Administration) | 1,357 | $204,806,000 | $150,000 | $725,000 | $58,000 | $372,000 |
| VA-guaranteed (Veterans Administration) | 28 | $3,151,000 | $112,000 | $258,000 | $62,000 | $173,000 |
| 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 | 4,876 | $818,631,000 | $167,000 | $1,120,000 | $89,000 | $4,457,000 |
| Application Denied By Financial Institution | 3,979 | $717,614,000 | $180,000 | $1,412,000 | $77,000 | $1,600,000 |
| Application Withdrawn By Applicant | 2,113 | $365,778,000 | $173,000 | $880,000 | $92,000 | $1,500,000 |
| File Closed For Incompleteness | 1,569 | $278,474,000 | $177,000 | $730,000 | $96,000 | $1,500,000 |
| Application Approved But Not Accepted | 203 | $34,846,000 | $171,000 | $568,000 | $93,000 | $810,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 1,466 | $287,073,000 | $195,000 | $1,000,000 | $56,000 | $500,000 |
| Credit History | 945 | $136,047,000 | $143,000 | $1,412,000 | $79,000 | $1,066,000 |
| Collateral | 874 | $169,537,000 | $193,000 | $865,000 | $95,000 | $670,000 |
| Other | 514 | $92,878,000 | $180,000 | $730,000 | $101,000 | $1,600,000 |
| Credit Application Incomplete | 126 | $22,279,000 | $176,000 | $730,000 | $88,000 | $474,000 |
| Unverifiable Information | 45 | $7,777,000 | $172,000 | $583,000 | $91,000 | $510,000 |
| Employment History | 9 | $2,023,000 | $224,000 | $967,000 | $78,000 | $319,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Everhome Mortgage Company's 2010 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 Everhome Mortgage Company'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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