Everhome Mortgage Company Mortgage Lending & HMDA Data, 2006
In 2006, Everhome Mortgage Company of Jacksonville, FL reported 4,899 mortgage applications totaling $835.2 million, up 27% from 2005. The average application was for $170,476, and applicants reported an average income of $64,904. 60% of its applications resulted in an originated loan and 21% were denied. Its largest markets were Atlanta-Sandy Springs-Marietta, GA (483), New York-White Plains-Wayne, NY-NJ (218) and Washington-Arlington-Alexandria, DC-VA-MD-WV (124) (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 | 2006 2005 |
| Total Number of Mortgage Applications | 4,899 |
| Total Mortgage Loan Application Amount | $835,162,000 |
| Average Mortgage Loan Application Amount | $170,476 |
| Highest Mortgage Loan Application Amount | $1,512,000 |
| Average Applicant Income | $64,904 |
| Highest Applicant Income | $2,004,000 |
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records Everhome Mortgage Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Atlanta-Sandy Springs-Marietta, GA | 483 | $ 104,188,000 | $ 215,710 | $ 88,000 |
| New York-White Plains-Wayne, NY-NJ | 218 | $ 57,755,000 | $ 264,931 | $ 66,623 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 124 | $ 26,387,000 | $ 212,798 | $ 75,637 |
| Los Angeles-Long Beach-Glendale, CA | 118 | $ 27,189,000 | $ 230,415 | $ 65,000 |
| Nassau-Suffolk, NY | 111 | $ 26,818,000 | $ 241,603 | $ 91,000 |
| Tampa-St. Petersburg-Clearwater, FL | 102 | $ 14,797,000 | $ 145,068 | $ 53,000 |
| Chicago-Naperville-Joliet, IL | 101 | $ 16,344,000 | $ 161,821 | $ 64,000 |
| Jacksonville, FL | 83 | $ 15,769,000 | $ 189,987 | $ 68,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 76 | $ 17,524,000 | $ 230,578 | $ 60,000 |
| Seattle-Bellevue-Everett, WA | 76 | $ 14,236,000 | $ 187,315 | $ 53,000 |
| Denver-Aurora, CO | 71 | $ 13,300,000 | $ 187,323 | $ 72,000 |
| Orlando-Kissimmee, FL | 70 | $ 12,787,000 | $ 182,671 | $ 66,000 |
| Riverside-San Bernardino-Ontario, CA | 65 | $ 15,268,000 | $ 234,892 | $ 84,000 |
| Indianapolis-Carmel, IN | 63 | $ 8,232,000 | $ 130,666 | $ 58,000 |
| Phoenix-Mesa-Scottsdale, AZ | 63 | $ 10,482,000 | $ 166,380 | $ 61,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 60 | $ 12,696,000 | $ 211,600 | $ 65,000 |
| Philadelphia, PA | 57 | $ 6,949,000 | $ 121,912 | $ 51,000 |
| Miami-Miami Beach-Kendall, FL | 55 | $ 10,299,000 | $ 187,254 | $ 43,000 |
| Columbus, OH | 53 | $ 7,587,000 | $ 143,150 | $ 56,000 |
| Evansville, IN-KY | 52 | $ 6,456,000 | $ 124,153 | $ 56,807 |
| Cleveland-Elyria-Mentor, OH | 46 | $ 6,780,000 | $ 147,391 | $ 56,000 |
| Charlotte-Gastonia-Concord, NC-SC | 45 | $ 8,061,000 | $ 179,133 | $ 82,600 |
| Edison, NJ | 42 | $ 7,790,000 | $ 185,476 | $ 76,000 |
| Baltimore-Towson, MD | 41 | $ 6,622,000 | $ 161,512 | $ 58,000 |
| Nashville-Davidson--Murfreesboro, TN | 41 | $ 6,480,000 | $ 158,048 | $ 58,000 |
| Warren-Troy-Farmington Hills, MI | 41 | $ 7,429,000 | $ 181,195 | $ 72,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 39 | $ 6,222,000 | $ 159,538 | $ 60,000 |
| Newark-Union, NJ-PA | 39 | $ 7,563,000 | $ 193,923 | $ 69,769 |
| Dallas-Plano-Irving, TX | 37 | $ 5,568,000 | $ 150,486 | $ 55,000 |
| Memphis, TN-MS-AR | 37 | $ 5,354,000 | $ 144,702 | $ 51,837 |
| St. Louis, MO-IL | 36 | $ 4,280,000 | $ 118,888 | $ 53,000 |
| Kansas City, MO-KS | 35 | $ 3,740,000 | $ 106,857 | $ 58,542 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 34 | $ 5,627,000 | $ 165,500 | $ 70,647 |
| Bethesda-Gaithersburg-Frederick, MD | 33 | $ 6,504,000 | $ 197,090 | $ 65,000 |
| Santa Ana-Anaheim-Irvine, CA | 33 | $ 8,990,000 | $ 272,424 | $ 92,000 |
| Cincinnati-Middletown, OH-KY-IN | 30 | $ 5,258,000 | $ 175,266 | $ 77,266 |
| Camden, NJ | 28 | $ 3,794,000 | $ 135,500 | $ 61,000 |
| Akron, OH | 27 | $ 3,749,000 | $ 138,851 | $ 82,000 |
| Detroit-Livonia-Dearborn, MI | 27 | $ 3,198,000 | $ 118,444 | $ 43,000 |
| Houston-Sugar Land-Baytown, TX | 27 | $ 2,992,000 | $ 110,814 | $ 64,000 |
| Terre Haute, IN | 27 | $ 2,627,000 | $ 97,296 | $ 51,000 |
| Boston-Quincy, MA | 24 | $ 5,203,000 | $ 216,791 | $ 58,000 |
| San Diego-Carlsbad-San Marcos, CA | 24 | $ 5,317,000 | $ 221,541 | $ 87,000 |
| Las Vegas-Paradise, NV | 21 | $ 5,085,000 | $ 242,142 | $ 146,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 21 | $ 3,671,000 | $ 174,809 | $ 75,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 20 | $ 2,596,000 | $ 129,800 | $ 38,000 |
| Oakland-Fremont-Hayward, CA | 20 | $ 4,253,000 | $ 212,650 | $ 48,000 |
| Bakersfield, CA | 19 | $ 2,714,000 | $ 142,842 | $ 45,000 |
| Pittsburgh, PA | 19 | $ 1,709,000 | $ 89,947 | $ 34,000 |
| Richmond, VA | 19 | $ 2,643,000 | $ 139,105 | $ 58,000 |
| Stockton, CA | 19 | $ 3,224,000 | $ 169,684 | $ 28,000 |
| Albany-Schenectady-Troy, NY | 18 | $ 2,415,000 | $ 134,166 | $ 61,000 |
| Louisville-Jefferson County, KY-IN | 18 | $ 2,143,000 | $ 119,055 | $ 52,666 |
| San Antonio, TX | 18 | $ 1,817,000 | $ 100,944 | $ 48,000 |
| Tucson, AZ | 18 | $ 2,044,000 | $ 113,555 | $ 65,000 |
| Hartford-West Hartford-East Hartford, CT | 17 | $ 2,510,000 | $ 147,647 | $ 60,000 |
| Sarasota-Bradenton-Venice, FL | 16 | $ 3,056,000 | $ 191,000 | $ 40,000 |
| Tacoma, WA | 16 | $ 2,766,000 | $ 172,875 | $ 60,000 |
| Bridgeport-Stamford-Norwalk, CT | 15 | $ 4,275,000 | $ 285,000 | $ 163,000 |
| Fresno, CA | 15 | $ 1,846,000 | $ 123,066 | $ 31,000 |
| Oklahoma City, OK | 15 | $ 1,265,000 | $ 84,333 | $ 35,000 |
| York-Hanover, PA | 15 | $ 1,698,000 | $ 113,200 | $ 55,000 |
| Anchorage, AK | 14 | $ 2,524,000 | $ 180,285 | $ 67,000 |
| Cape Coral-Fort Myers, FL | 14 | $ 2,100,000 | $ 150,000 | $ 54,000 |
| Milwaukee-Waukesha-West Allis, WI | 14 | $ 1,734,000 | $ 123,857 | $ 46,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 14 | $ 3,679,000 | $ 262,785 | $ 71,000 |
| Birmingham-Hoover, AL | 13 | $ 2,618,000 | $ 201,384 | $ 73,000 |
| Gainesville, GA | 13 | $ 2,065,000 | $ 158,846 | $ 89,000 |
| Gary, IN | 13 | $ 1,334,000 | $ 102,615 | $ 67,000 |
| Grand Rapids-Wyoming, MI | 13 | $ 1,475,000 | $ 113,461 | $ 39,000 |
| Modesto, CA | 13 | $ 2,932,000 | $ 225,538 | $ 71,000 |
| Muncie, IN | 13 | $ 1,448,000 | $ 111,384 | $ 53,000 |
| Portland-Vancouver-Beaverton, OR-WA | 13 | $ 2,119,000 | $ 163,000 | $ 47,615 |
| Poughkeepsie-Newburgh-Middletown, NY | 13 | $ 2,006,000 | $ 154,307 | $ 56,000 |
| Athens-Clarke County, GA | 12 | $ 2,385,000 | $ 198,750 | $ 117,000 |
| Bloomington, IN | 12 | $ 1,038,000 | $ 86,500 | $ 40,000 |
| Cambridge-Newton-Framingham, MA | 12 | $ 1,619,000 | $ 134,916 | $ 27,000 |
| Canton-Massillon, OH | 12 | $ 1,562,000 | $ 130,166 | $ 60,000 |
| Colorado Springs, CO | 12 | $ 2,039,000 | $ 169,916 | $ 89,000 |
| Columbia, SC | 12 | $ 1,734,000 | $ 144,500 | $ 64,000 |
| Austin-Round Rock, TX | 11 | $ 2,600,000 | $ 236,363 | $ 172,000 |
| Dayton, OH | 11 | $ 892,000 | $ 81,090 | $ 43,000 |
| Fort Worth-Arlington, TX | 11 | $ 1,148,000 | $ 104,363 | $ 59,000 |
| Greenville, SC | 11 | $ 1,233,000 | $ 112,090 | $ 42,000 |
| Little Rock-North Little Rock, AR | 11 | $ 956,000 | $ 86,909 | $ 53,000 |
| Palm Bay-Melbourne-Titusville, FL | 11 | $ 1,343,000 | $ 122,090 | $ 38,000 |
| Providence-New Bedford-Fall River, RI-MA | 11 | $ 2,272,000 | $ 206,545 | $ 55,909 |
| Raleigh-Cary, NC | 11 | $ 1,377,000 | $ 125,181 | $ 41,000 |
| San Francisco-San Mateo-Redwood City, CA | 11 | $ 4,107,000 | $ 373,363 | $ 114,000 |
| Tulsa, OK | 11 | $ 1,855,000 | $ 168,636 | $ 84,000 |
| Visalia-Porterville, CA | 11 | $ 1,569,000 | $ 142,636 | $ 51,000 |
| Wilmington, DE-MD-NJ | 11 | $ 1,908,000 | $ 173,454 | $ 76,181 |
| Buffalo-Niagara Falls, NY | 10 | $ 1,087,000 | $ 108,700 | $ 64,000 |
| Lake County-Kenosha County, IL-WI | 10 | $ 1,272,000 | $ 127,200 | $ 59,400 |
| Lakeland, FL | 10 | $ 1,622,000 | $ 162,200 | $ 67,000 |
| Pensacola-Ferry Pass-Brent, FL | 10 | $ 919,000 | $ 91,900 | $ 40,000 |
| Toledo, OH | 10 | $ 1,073,000 | $ 107,300 | $ 51,000 |
| Danville, IL | 9 | $ 681,000 | $ 75,666 | $ 60,000 |
| Fayetteville, NC | 9 | $ 645,000 | $ 71,666 | $ 45,000 |
| Fort Walton Beach-Crestview-Destin, FL | 9 | $ 1,563,000 | $ 173,666 | $ 44,000 |
| Naples-Marco Island, FL | 9 | $ 2,273,000 | $ 252,555 | $ 54,000 |
| New Haven-Milford, CT | 9 | $ 1,994,000 | $ 221,555 | $ 87,000 |
| New Orleans-Metairie-Kenner, LA | 9 | $ 1,490,000 | $ 165,555 | $ 48,000 |
| Ocala, FL | 9 | $ 855,000 | $ 95,000 | $ 18,000 |
| San Luis Obispo-Paso Robles, CA | 9 | $ 1,036,000 | $ 115,111 | $ 33,000 |
| Syracuse, NY | 9 | $ 732,000 | $ 81,333 | $ 47,000 |
| Trenton-Ewing, NJ | 9 | $ 1,890,000 | $ 210,000 | $ 66,000 |
| Worcester, MA | 9 | $ 1,180,000 | $ 131,111 | $ 50,000 |
| Asheville, NC | 8 | $ 1,494,000 | $ 186,750 | $ 34,000 |
| Jackson, MS | 8 | $ 1,089,000 | $ 136,125 | $ 61,000 |
| Johnstown, PA | 8 | $ 700,000 | $ 87,500 | $ 41,000 |
| Lancaster, PA | 8 | $ 919,000 | $ 114,875 | $ 45,000 |
| Owensboro, KY | 8 | $ 1,036,000 | $ 129,500 | $ 58,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 8 | $ 1,890,000 | $ 236,250 | $ 86,000 |
| Roanoke, VA | 8 | $ 1,158,000 | $ 144,750 | $ 43,000 |
| Springfield, MA | 8 | $ 1,201,000 | $ 150,125 | $ 37,000 |
| Wichita, KS | 8 | $ 552,000 | $ 69,000 | $ 46,000 |
| Albuquerque, NM | 7 | $ 777,000 | $ 111,000 | $ 29,000 |
| Augusta-Richmond County, GA-SC | 7 | $ 756,000 | $ 108,000 | $ 22,000 |
| Boise City-Nampa, ID | 7 | $ 1,003,000 | $ 143,285 | $ 42,000 |
| Boulder, CO | 7 | $ 1,587,000 | $ 226,714 | $ 85,000 |
| Burlington, NC | 7 | $ 829,000 | $ 118,428 | $ 199,000 |
| Greensboro-High Point, NC | 7 | $ 547,000 | $ 78,142 | $ 36,000 |
| Honolulu, HI | 7 | $ 1,780,000 | $ 254,285 | $ 92,000 |
| Huntsville, AL | 7 | $ 819,000 | $ 117,000 | $ 91,000 |
| Lansing-East Lansing, MI | 7 | $ 948,000 | $ 135,428 | $ 65,000 |
| Merced, CA | 7 | $ 1,216,000 | $ 173,714 | $ 44,000 |
| Mobile, AL | 7 | $ 838,000 | $ 119,714 | $ 57,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 7 | $ 1,055,000 | $ 150,714 | $ 27,000 |
| Omaha-Council Bluffs, NE-IA | 7 | $ 848,000 | $ 121,142 | $ 62,000 |
| Port St. Lucie-Fort Pierce, FL | 7 | $ 1,133,000 | $ 161,857 | $ 36,000 |
| Santa Barbara-Santa Maria, CA | 7 | $ 1,091,000 | $ 155,857 | $ 33,000 |
| Savannah, GA | 7 | $ 1,568,000 | $ 224,000 | $ 145,000 |
| Charleston-North Charleston, SC | 6 | $ 1,074,000 | $ 179,000 | $ 200,000 |
| Davenport-Moline-Rock Island, IA-IL | 6 | $ 451,000 | $ 75,166 | $ 32,000 |
| Flint, MI | 6 | $ 744,000 | $ 124,000 | $ 69,000 |
| Gainesville, FL | 6 | $ 548,000 | $ 91,333 | $ 50,000 |
| Greeley, CO | 6 | $ 1,094,000 | $ 182,333 | $ 74,000 |
| Harrisburg-Carlisle, PA | 6 | $ 909,000 | $ 151,500 | $ 60,000 |
| Lexington-Fayette, KY | 6 | $ 692,000 | $ 115,333 | $ 51,000 |
| Panama City-Lynn Haven, FL | 6 | $ 1,116,000 | $ 186,000 | $ 74,000 |
| Rockingham County-Strafford County, NH | 6 | $ 1,615,000 | $ 269,166 | $ 82,000 |
| Scranton--Wilkes-Barre, PA | 6 | $ 745,000 | $ 124,166 | $ 58,000 |
| Tallahassee, FL | 6 | $ 901,000 | $ 150,166 | $ 73,000 |
| Vallejo-Fairfield, CA | 6 | $ 1,198,000 | $ 199,666 | $ 55,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 5 | $ 721,000 | $ 144,200 | $ 45,200 |
| Ann Arbor, MI | 5 | $ 448,000 | $ 89,600 | $ 29,000 |
| Baton Rouge, LA | 5 | $ 560,000 | $ 112,000 | $ 61,000 |
| Burlington-South Burlington, VT | 5 | $ 721,000 | $ 144,200 | $ 77,000 |
| Columbus, GA-AL | 5 | $ 622,000 | $ 124,400 | $ 31,000 |
| Dover, DE | 5 | $ 1,025,000 | $ 205,000 | $ 80,000 |
| Essex County, MA | 5 | $ 1,307,000 | $ 261,400 | $ 47,000 |
| Hanford-Corcoran, CA | 5 | $ 547,000 | $ 109,400 | $ 56,000 |
| Kingsport-Bristol-Bristol, TN-VA | 5 | $ 464,000 | $ 92,800 | $ 30,000 |
| Lawton, OK | 5 | $ 301,000 | $ 60,200 | $ 53,000 |
| Montgomery, AL | 5 | $ 401,000 | $ 80,200 | $ 12,000 |
| Mount Vernon-Anacortes, WA | 5 | $ 609,000 | $ 121,800 | $ 48,000 |
| Punta Gorda, FL | 5 | $ 535,000 | $ 107,000 | $ 38,000 |
| Redding, CA | 5 | $ 1,042,000 | $ 208,400 | $ 90,000 |
| Rochester, NY | 5 | $ 355,000 | $ 71,000 | $ 42,000 |
| Salt Lake City, UT | 5 | $ 474,000 | $ 94,800 | $ 39,000 |
| Santa Rosa-Petaluma, CA | 5 | $ 1,742,000 | $ 348,400 | $ 87,000 |
| Warner Robins, GA | 5 | $ 644,000 | $ 128,800 | $ 18,000 |
| Billings, MT | 4 | $ 385,000 | $ 96,250 | $ 34,000 |
| Chattanooga, TN-GA | 4 | $ 363,000 | $ 90,750 | $ 54,000 |
| Corpus Christi, TX | 4 | $ 413,000 | $ 103,250 | $ 45,000 |
| Durham, NC | 4 | $ 545,000 | $ 136,250 | $ 32,000 |
| Fort Collins-Loveland, CO | 4 | $ 830,000 | $ 207,500 | $ 81,000 |
| Fort Wayne, IN | 4 | $ 376,000 | $ 94,000 | $ 78,000 |
| Hattiesburg, MS | 4 | $ 321,000 | $ 80,250 | $ 44,000 |
| Knoxville, TN | 4 | $ 444,000 | $ 111,000 | $ 38,000 |
| Lafayette, IN | 4 | $ 747,000 | $ 186,750 | $ 83,000 |
| Manchester-Nashua, NH | 4 | $ 654,000 | $ 163,500 | $ 43,000 |
| McAllen-Edinburg-Mission, TX | 4 | $ 306,000 | $ 76,500 | $ 48,000 |
| Niles-Benton Harbor, MI | 4 | $ 365,000 | $ 91,250 | $ 65,000 |
| Norwich-New London, CT | 4 | $ 769,000 | $ 192,250 | $ 89,000 |
| Pine Bluff, AR | 4 | $ 222,000 | $ 55,500 | $ 19,000 |
| Portland-South Portland-Biddeford, ME | 4 | $ 734,000 | $ 183,500 | $ 33,000 |
| Reading, PA | 4 | $ 633,000 | $ 158,250 | $ 55,000 |
| Sandusky, OH | 4 | $ 456,000 | $ 114,000 | $ 63,000 |
| Santa Cruz-Watsonville, CA | 4 | $ 1,544,000 | $ 386,000 | $ 134,000 |
| Santa Fe, NM | 4 | $ 682,000 | $ 170,500 | $ 35,000 |
| Spokane, WA | 4 | $ 292,000 | $ 73,000 | $ 30,000 |
| Wilmington, NC | 4 | $ 1,082,000 | $ 270,500 | $ 33,000 |
| Winston-Salem, NC | 4 | $ 423,000 | $ 105,750 | $ 65,000 |
| Anderson, IN | 3 | $ 310,000 | $ 103,333 | $ 50,000 |
| Anniston-Oxford, AL | 3 | $ 296,000 | $ 98,666 | $ 54,000 |
| Barnstable Town, MA | 3 | $ 933,000 | $ 311,000 | $ 74,000 |
| Binghamton, NY | 3 | $ 264,000 | $ 88,000 | $ 51,000 |
| Blacksburg-Christiansburg-Radford, VA | 3 | $ 251,000 | $ 83,666 | $ 65,000 |
| Bremerton-Silverdale, WA | 3 | $ 421,000 | $ 140,333 | $ 76,000 |
| Charleston, WV | 3 | $ 399,000 | $ 133,000 | $ 68,000 |
| Chico, CA | 3 | $ 713,000 | $ 237,666 | $ 68,000 |
| Clarksville, TN-KY | 3 | $ 422,000 | $ 140,666 | $ 46,000 |
| Decatur, AL | 3 | $ 271,000 | $ 90,333 | $ 4,000 |
| El Paso, TX | 3 | $ 133,000 | $ 44,333 | $ 17,000 |
| Elkhart-Goshen, IN | 3 | $ 286,000 | $ 95,333 | $ 33,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 3 | $ 246,000 | $ 82,000 | $ 51,000 |
| Grand Junction, CO | 3 | $ 614,000 | $ 204,666 | $ 43,000 |
| Lake Charles, LA | 3 | $ 358,000 | $ 119,333 | $ 90,000 |
| Lima, OH | 3 | $ 292,000 | $ 97,333 | $ 38,000 |
| Lincoln, NE | 3 | $ 230,000 | $ 76,666 | $ 35,000 |
| Napa, CA | 3 | $ 995,000 | $ 331,666 | $ 55,000 |
| Ogden-Clearfield, UT | 3 | $ 352,000 | $ 117,333 | $ 64,000 |
| Olympia, WA | 3 | $ 453,000 | $ 151,000 | $ 51,000 |
| Sebastian-Vero Beach, FL | 3 | $ 285,000 | $ 95,000 | $ 43,000 |
| Sherman-Denison, TX | 3 | $ 295,000 | $ 98,333 | $ 61,000 |
| Shreveport-Bossier City, LA | 3 | $ 593,000 | $ 197,666 | $ 36,000 |
| Springfield, MO | 3 | $ 269,000 | $ 89,666 | $ 25,000 |
| Youngstown-Warren-Boardman, OH-PA | 3 | $ 198,000 | $ 66,000 | $ 18,000 |
| Altoona, PA | 2 | $ 155,000 | $ 77,500 | $ 67,000 |
| Atlantic City, NJ | 2 | $ 159,000 | $ 79,500 | $ 44,000 |
| Auburn-Opelika, AL | 2 | $ 177,000 | $ 88,500 | $ 67,000 |
| Bangor, ME | 2 | $ 220,000 | $ 110,000 | $ 41,000 |
| Beaumont-Port Arthur, TX | 2 | $ 239,000 | $ 119,500 | $ 50,000 |
| Bowling Green, KY | 2 | $ 244,000 | $ 122,000 | $ 76,000 |
| Casper, WY | 2 | $ 98,000 | $ 49,000 | $ 18,000 |
| Champaign-Urbana, IL | 2 | $ 188,000 | $ 94,000 | $ 49,000 |
| Cleveland, TN | 2 | $ 237,000 | $ 118,500 | $ 31,000 |
| Dalton, GA | 2 | $ 225,000 | $ 112,500 | $ 51,000 |
| Des Moines-West Des Moines, IA | 2 | $ 161,000 | $ 80,500 | $ 53,000 |
| Fort Smith, AR-OK | 2 | $ 121,000 | $ 60,500 | $ 16,000 |
| Green Bay, WI | 2 | $ 152,000 | $ 76,000 | $ 95,000 |
| Gulfport-Biloxi, MS | 2 | $ 180,000 | $ 90,000 | $ 56,000 |
| Hagerstown-Martinsburg, MD-WV | 2 | $ 264,000 | $ 132,000 | $ 43,000 |
| Hickory-Lenoir-Morganton, NC | 2 | $ 277,000 | $ 138,500 | $ 32,000 |
| Hinesville-Fort Stewart, GA | 2 | $ 261,000 | $ 130,500 | $ 122,000 |
| Hot Springs, AR | 2 | $ 319,000 | $ 159,500 | $ 62,000 |
| Jackson, MI | 2 | $ 157,000 | $ 78,500 | $ 63,000 |
| Jacksonville, NC | 2 | $ 331,000 | $ 165,500 | $ 111,000 |
| Johnson City, TN | 2 | $ 165,000 | $ 82,500 | $ 59,000 |
| Jonesboro, AR | 2 | $ 119,000 | $ 59,500 | $ 32,000 |
| Kalamazoo-Portage, MI | 2 | $ 347,000 | $ 173,500 | $ 94,000 |
| Kennewick-Richland-Pasco, WA | 2 | $ 164,000 | $ 82,000 | $ 101,000 |
| Kingston, NY | 2 | $ 239,000 | $ 119,500 | $ 91,000 |
| Kokomo, IN | 2 | $ 301,000 | $ 150,500 | $ 76,000 |
| Lafayette, LA | 2 | $ 333,000 | $ 166,500 | $ 49,000 |
| Laredo, TX | 2 | $ 285,000 | $ 142,500 | $ 67,000 |
| Las Cruces, NM | 2 | $ 177,000 | $ 88,500 | $ 78,000 |
| Logan, UT-ID | 2 | $ 193,000 | $ 96,500 | $ 65,000 |
| Lubbock, TX | 2 | $ 119,000 | $ 59,500 | $ 67,000 |
| Lynchburg, VA | 2 | $ 249,000 | $ 124,500 | $ 31,000 |
| Macon, GA | 2 | $ 304,000 | $ 152,000 | $ 68,000 |
| Madera, CA | 2 | $ 245,000 | $ 122,500 | $ 35,000 |
| Madison, WI | 2 | $ 159,000 | $ 79,500 | $ 44,000 |
| Mansfield, OH | 2 | $ 221,000 | $ 110,500 | $ 36,000 |
| Ocean City, NJ | 2 | $ 408,000 | $ 204,000 | $ 83,000 |
| Parkersburg-Marietta-Vienna, WV-OH | 2 | $ 139,000 | $ 69,500 | $ 62,000 |
| Provo-Orem, UT | 2 | $ 215,000 | $ 107,500 | $ 43,000 |
| Pueblo, CO | 2 | $ 160,000 | $ 80,000 | $ 36,000 |
| Racine, WI | 2 | $ 155,000 | $ 77,500 | $ 15,000 |
| Rockford, IL | 2 | $ 250,000 | $ 125,000 | $ 101,000 |
| Sioux Falls, SD | 2 | $ 203,000 | $ 101,500 | $ 53,000 |
| St. Cloud, MN | 2 | $ 301,000 | $ 150,500 | $ 73,000 |
| St. Joseph, MO-KS | 2 | $ 99,000 | $ 49,500 | $ 56,000 |
| Tyler, TX | 2 | $ 297,000 | $ 148,500 | $ 121,000 |
| Wausau, WI | 2 | $ 197,000 | $ 98,500 | $ 16,000 |
| Wenatchee, WA | 2 | $ 327,000 | $ 163,500 | $ 47,000 |
| Wichita Falls, TX | 2 | $ 236,000 | $ 118,000 | $ 104,000 |
| Winchester, VA-WV | 2 | $ 263,000 | $ 131,500 | $ 23,500 |
| Abilene, TX | 1 | $ 80,000 | $ 80,000 | $ 44,000 |
| Albany, GA | 1 | $ 121,000 | $ 121,000 | $ 75,000 |
| Battle Creek, MI | 1 | $ 56,000 | $ 56,000 | $ 101,000 |
| Bay City, MI | 1 | $ 81,000 | $ 81,000 | $ 43,000 |
| Bellingham, WA | 1 | $ 720,000 | $ 720,000 | $ 105,000 |
| Brownsville-Harlingen, TX | 1 | $ 42,000 | $ 42,000 | $ 154,000 |
| Cedar Rapids, IA | 1 | $ 38,000 | $ 38,000 | $ 28,000 |
| Charlottesville, VA | 1 | $ 132,000 | $ 132,000 | $ 43,000 |
| Coeur D'Alene, ID | 1 | $ 160,000 | $ 160,000 | $ 36,000 |
| Cumberland, MD-WV | 1 | $ 118,000 | $ 118,000 | $ 50,000 |
| Decatur, IL | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Duluth, MN-WI | 1 | $ 53,000 | $ 53,000 | $ 0 |
| Elizabethtown, KY | 1 | $ 30,000 | $ 30,000 | $ 91,000 |
| Erie, PA | 1 | $ 155,000 | $ 155,000 | $ 104,000 |
| Fargo, ND-MN | 1 | $ 132,000 | $ 132,000 | $ 63,000 |
| Farmington, NM | 1 | $ 210,000 | $ 210,000 | $ 0 |
| Flagstaff, AZ | 1 | $ 57,000 | $ 57,000 | $ 19,000 |
| Florence, SC | 1 | $ 142,000 | $ 142,000 | $ 50,000 |
| Greenville, NC | 1 | $ 163,000 | $ 163,000 | $ 73,000 |
| Holland-Grand Haven, MI | 1 | $ 64,000 | $ 64,000 | $ 78,000 |
| Idaho Falls, ID | 1 | $ 152,000 | $ 152,000 | $ 82,000 |
| Jackson, TN | 1 | $ 115,000 | $ 115,000 | $ 53,000 |
| Joplin, MO | 1 | $ 155,000 | $ 155,000 | $ 52,000 |
| Kankakee-Bradley, IL | 1 | $ 91,000 | $ 91,000 | $ 20,000 |
| Lawrence, KS | 1 | $ 43,000 | $ 43,000 | $ 31,000 |
| Medford, OR | 1 | $ 59,000 | $ 59,000 | $ 30,000 |
| Michigan City-La Porte, IN | 1 | $ 95,000 | $ 95,000 | $ 44,000 |
| Monroe, LA | 1 | $ 271,000 | $ 271,000 | $ 72,000 |
| Monroe, MI | 1 | $ 91,000 | $ 91,000 | $ 0 |
| Peoria, IL | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Prescott, AZ | 1 | $ 241,000 | $ 241,000 | $ 71,000 |
| Reno-Sparks, NV | 1 | $ 123,000 | $ 123,000 | $ 0 |
| Rochester, MN | 1 | $ 210,000 | $ 210,000 | $ 49,000 |
| Salisbury, MD | 1 | $ 76,000 | $ 76,000 | $ 80,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 161,000 | $ 161,000 | $ 63,000 |
| Spartanburg, SC | 1 | $ 67,000 | $ 67,000 | $ 0 |
| Springfield, OH | 1 | $ 277,000 | $ 277,000 | $ 102,000 |
| St. George, UT | 1 | $ 93,000 | $ 93,000 | $ 114,000 |
| Sumter, SC | 1 | $ 79,000 | $ 79,000 | $ 0 |
| Topeka, KS | 1 | $ 72,000 | $ 72,000 | $ 11,000 |
| Valdosta, GA | 1 | $ 77,000 | $ 77,000 | $ 60,000 |
| Waco, TX | 1 | $ 389,000 | $ 389,000 | $ 0 |
| Waterloo-Cedar Falls, IA | 1 | $ 53,000 | $ 53,000 | $ 0 |
| Yuba City, CA | 1 | $ 61,000 | $ 61,000 | $ 93,000 |
Mortgage Loan Application Detail Totals for Everhome Mortgage Company 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 |
|---|---|---|---|---|---|---|
| Refinancing | 4,553 | $767,576,000 | $168,000 | $1,512,000 | $63,000 | $2,004,000 |
| Home Purchase | 328 | $65,771,000 | $200,000 | $1,230,000 | $92,000 | $1,315,000 |
| Home Improvement | 18 | $1,815,000 | $100,000 | $215,000 | $53,000 | $120,000 |
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 | 2,922 | $498,512,000 | $170,000 | $1,512,000 | $70,000 | $2,004,000 |
| Not Provided | 941 | $167,689,000 | $178,000 | $1,300,000 | $63,000 | $1,200,000 |
| Black or African American | 543 | $77,926,000 | $143,000 | $1,231,000 | $52,000 | $335,000 |
| Hispanic | 340 | $55,271,000 | $162,000 | $806,000 | $46,000 | $492,000 |
| Asian | 107 | $28,045,000 | $262,000 | $1,200,000 | $75,000 | $553,000 |
| American Indian or Alaskan Native | 29 | $4,697,000 | $161,000 | $450,000 | $53,000 | $140,000 |
| Native Hawaiian or Other Pacific Islander | 17 | $3,022,000 | $177,000 | $403,000 | $60,000 | $176,000 |
| 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) | 4,899 | $835,162,000 | $170,000 | $1,512,000 | $65,000 | $2,004,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 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 | 2,962 | $494,364,000 | $166,000 | $1,512,000 | $64,000 | $1,315,000 |
| Application Denied By Financial Institution | 1,006 | $175,797,000 | $174,000 | $1,375,000 | $67,000 | $2,004,000 |
| Application Withdrawn By Applicant | 391 | $74,513,000 | $190,000 | $1,200,000 | $83,000 | $1,500,000 |
| Application Approved But Not Accepted | 384 | $64,824,000 | $168,000 | $696,000 | $51,000 | $520,000 |
| File Closed For Incompleteness | 156 | $25,664,000 | $164,000 | $556,000 | $64,000 | $254,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 345 | $54,214,000 | $157,000 | $1,375,000 | $61,000 | $2,004,000 |
| Collateral | 312 | $52,820,000 | $169,000 | $1,231,000 | $68,000 | $400,000 |
| Other | 187 | $34,885,000 | $186,000 | $762,000 | $79,000 | $1,200,000 |
| Debt-To-Income Ratio | 148 | $31,812,000 | $214,000 | $1,000,000 | $64,000 | $370,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $711,000 | $118,000 | $255,000 | $60,000 | $142,000 |
| Unverifiable Information | 4 | $961,000 | $240,000 | $417,000 | $50,000 | $91,000 |
| Employment History | 3 | $317,000 | $105,000 | $175,000 | $30,000 | $34,000 |
| Mortgage Insurance Denied | 1 | $77,000 | $77,000 | $77,000 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Everhome Mortgage Company'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 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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with aggregated HMDA statistics today.
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