Everlend Mortgage Company Mortgage Lending & HMDA Data, 2015
In 2015, Everlend Mortgage Company of Salt Lake City, UT reported 435 mortgage applications totaling $99.6 million. The average application was for $228,850, and applicants reported an average income of $56,997. 19% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Anchorage, AK (107), Salt Lake City, UT (60) and Portland-Vancouver-Hillsboro, OR-WA (53) (applications in parentheses).
| Mortgage Company & Address | Everlend Mortgage Company 5300 South 360 West, Suite 350 Salt Lake City, UT 84123 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2021 2020 2019 2018 2017 2015 |
| Total Number of Mortgage Applications | 435 |
| Total Mortgage Loan Application Amount | $99,550,000 |
| Average Mortgage Loan Application Amount | $228,850 |
| Highest Mortgage Loan Application Amount | $1,000,000 |
| Average Applicant Income | $56,997 |
| Highest Applicant Income | $1,728,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Everlend Mortgage Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Everlend Mortgage Company in 2015
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 | 281 | $66,083,000 | $235,000 | $1,000,000 | $44,000 | $1,104,000 |
| Home Improvement | 110 | $25,362,000 | $230,000 | $849,000 | $89,000 | $1,728,000 |
| Home Purchase | 44 | $8,105,000 | $184,000 | $380,000 | $60,000 | $234,000 |
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 | 273 | $61,187,000 | $224,000 | $1,000,000 | $55,000 | $1,104,000 |
| Not Provided | 123 | $29,458,000 | $239,000 | $600,000 | $49,000 | $1,001,000 |
| Hispanic | 15 | $3,394,000 | $226,000 | $355,000 | $30,000 | $150,000 |
| American Indian or Alaskan Native | 8 | $1,825,000 | $228,000 | $385,000 | $48,000 | $107,000 |
| Black or African American | 8 | $1,746,000 | $218,000 | $334,000 | $44,000 | $175,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $1,092,000 | $218,000 | $284,000 | $52,000 | $139,000 |
| Asian | 3 | $848,000 | $282,000 | $361,000 | $758,000 | $1,728,000 |
| 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 |
|---|---|---|---|---|---|---|
| FHA-insured (Federal Housing Administration) | 186 | $41,224,000 | $221,000 | $415,000 | $39,000 | $1,728,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 157 | $35,749,000 | $227,000 | $1,000,000 | $84,000 | $1,104,000 |
| VA-guaranteed (Veterans Administration) | 88 | $21,815,000 | $247,000 | $849,000 | $47,000 | $996,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $762,000 | $190,000 | $317,000 | $47,000 | $83,000 |
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 |
|---|---|---|---|---|---|---|
| Application Withdrawn By Applicant | 315 | $72,305,000 | $229,000 | $1,000,000 | $61,000 | $1,728,000 |
| Loan Originated | 82 | $18,554,000 | $226,000 | $413,000 | $43,000 | $170,000 |
| Application Denied By Financial Institution | 34 | $7,947,000 | $233,000 | $575,000 | $56,000 | $198,000 |
| File Closed For Incompleteness | 3 | $438,000 | $146,000 | $204,000 | $52,000 | $97,000 |
| Application Approved But Not Accepted | 1 | $306,000 | $306,000 | $306,000 | $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 |
|---|---|---|---|---|---|---|
| Credit History | 17 | $3,719,000 | $218,000 | $575,000 | $48,000 | $198,000 |
| Other | 7 | $1,892,000 | $270,000 | $410,000 | $81,000 | $189,000 |
| Collateral | 5 | $995,000 | $199,000 | $276,000 | $65,000 | $120,000 |
| Debt-To-Income Ratio | 3 | $806,000 | $268,000 | $380,000 | $38,000 | $54,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $535,000 | $267,000 | $285,000 | $45,000 | $91,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Everlend Mortgage Company's 2015 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 Everlend 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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