Netbank Fundings Services Mortgage Lending & HMDA Data, 2006

In 2006, Netbank Fundings Services of Columbia, SC reported 29,363 mortgage applications totaling $6.2 billion, down 45% from 2005. The average application was for $211,646, and applicants reported an average income of $87,524. 39% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Atlanta-Sandy Springs-Marietta, GA (1,513), Chicago-Naperville-Joliet, IL (1,227) and St. Louis, MO-IL (1,019) (applications in parentheses).

Mortgage Company & Address Netbank Fundings Services
9710 Two Notch Road
Columbia, SC 29223
Tel #: available with data download
Federal Regulator * available with data download
Years 2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 29,363
Total Mortgage Loan Application Amount $6,214,578,000
Average Mortgage Loan Application Amount $211,646
Highest Mortgage Loan Application Amount $1,000,000
Average Applicant Income $87,524
Highest Applicant Income $5,918,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Netbank Fundings Services filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Totals for Netbank Fundings Services by County in 2006

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Cook, Illinois 737 $ 176,611,000 $ 239,635 $ 96,000
Maricopa, Arizona 635 $ 151,012,000 $ 237,814 $ 86,000
Middlesex, Massachusetts 566 $ 186,638,000 $ 329,749 $ 115,000
Los Angeles, California 516 $ 185,758,000 $ 359,996 $ 115,000
Miami-Dade, Florida 488 $ 107,597,000 $ 220,485 $ 107,000
St. Louis, Missouri 453 $ 87,857,000 $ 193,944 $ 94,000
Gwinnett, Georgia 406 $ 62,658,000 $ 154,330 $ 66,000
Prince George's, Maryland 358 $ 93,175,000 $ 260,265 $ 90,000
Jefferson, Alabama 348 $ 38,696,000 $ 111,195 $ 51,000
Orange, California 348 $ 144,183,000 $ 414,318 $ 134,000
Essex, Massachusetts 342 $ 108,248,000 $ 316,514 $ 82,000
Clark, Nevada 339 $ 77,298,000 $ 228,017 $ 102,000
Broward, Florida 320 $ 65,350,000 $ 204,218 $ 95,000
Hennepin, Minnesota 320 $ 76,258,000 $ 238,306 $ 90,000
Montgomery, Maryland 294 $ 89,031,000 $ 302,826 $ 101,000
Orange, Florida 290 $ 62,329,000 $ 214,927 $ 89,000
Queens, New York 282 $ 102,834,000 $ 364,659 $ 122,000
Lake, Illinois 250 $ 59,799,000 $ 239,196 $ 99,000
Norfolk, Massachusetts 247 $ 83,594,000 $ 338,437 $ 108,000
Riverside, California 244 $ 77,550,000 $ 317,827 $ 114,000
Harris, Texas 237 $ 31,161,000 $ 131,481 $ 74,000
Fulton, Georgia 235 $ 40,741,000 $ 173,365 $ 83,000
Duval, Florida 215 $ 34,883,000 $ 162,246 $ 71,000
Worcester, Massachusetts 215 $ 48,998,000 $ 227,897 $ 84,000
San Bernardino, California 194 $ 53,007,000 $ 273,231 $ 100,000
Suffolk, Massachusetts 193 $ 60,413,000 $ 313,020 $ 98,000
Kings, New York 193 $ 72,282,000 $ 374,518 $ 120,000
Wayne, Michigan 191 $ 27,162,000 $ 142,209 $ 70,000
Cobb, Georgia 185 $ 30,830,000 $ 166,648 $ 74,000
Will, Illinois 184 $ 36,654,000 $ 199,206 $ 83,000
DeKalb, Georgia 181 $ 28,637,000 $ 158,215 $ 70,000
Cumberland, North Carolina 180 $ 21,582,000 $ 119,900 $ 55,000
St. Charles, Missouri 169 $ 30,090,000 $ 178,047 $ 80,000
Franklin, Ohio 167 $ 29,679,000 $ 177,718 $ 86,000
Volusia, Florida 161 $ 29,631,000 $ 184,043 $ 105,000
Plymouth, Massachusetts 157 $ 47,881,000 $ 304,974 $ 86,000
Baltimore, Maryland 156 $ 32,084,000 $ 205,666 $ 92,000
District of Columbia, District Of Columbia 152 $ 39,484,000 $ 259,763 $ 78,000
St. Louis, Minnesota 147 $ 27,457,000 $ 186,782 $ 80,000
Anne Arundel, Maryland 146 $ 37,518,000 $ 256,972 $ 99,000
Atlantic, New Jersey 142 $ 23,328,000 $ 164,281 $ 74,000
Suffolk, New York 140 $ 42,750,000 $ 305,357 $ 182,000
Shelby, Tennessee 139 $ 21,935,000 $ 157,805 $ 91,000
Nassau, New York 137 $ 49,778,000 $ 363,343 $ 124,000
Richmond, Georgia 136 $ 13,444,000 $ 98,852 $ 41,000
Dakota, Minnesota 128 $ 25,726,000 $ 200,984 $ 78,000
San Diego, California 126 $ 42,768,000 $ 339,428 $ 121,000
Salt Lake, Utah 123 $ 20,045,000 $ 162,967 $ 74,000
St. Louis City, Missouri 118 $ 14,673,000 $ 124,347 $ 76,000
Jefferson, Colorado 114 $ 21,205,000 $ 186,008 $ 92,000
Anoka, Minnesota 114 $ 23,419,000 $ 205,429 $ 74,000
Ramsey, Minnesota 111 $ 23,434,000 $ 211,117 $ 83,000
Palm Beach, Florida 108 $ 25,831,000 $ 239,175 $ 99,000
Fresno, California 106 $ 30,081,000 $ 283,783 $ 127,000
Hillsborough, Florida 104 $ 19,697,000 $ 189,394 $ 75,000
DuPage, Illinois 104 $ 25,651,000 $ 246,644 $ 97,000
Wake, North Carolina 103 $ 18,834,000 $ 182,854 $ 105,000
Baltimore City, Maryland 102 $ 13,443,000 $ 131,794 $ 74,000
Denver, Colorado 100 $ 19,063,000 $ 190,630 $ 104,000
Jefferson, Missouri 100 $ 12,504,000 $ 125,040 $ 71,000
Baldwin, Alabama 97 $ 21,358,000 $ 220,185 $ 128,000
Lee, Florida 95 $ 21,669,000 $ 228,094 $ 136,000
Philadelphia, Pennsylvania 92 $ 12,487,000 $ 135,728 $ 66,000
King, Washington 92 $ 26,338,000 $ 286,282 $ 109,000
Lake, Florida 91 $ 18,249,000 $ 200,538 $ 66,000
Bristol, Massachusetts 90 $ 24,873,000 $ 276,366 $ 97,000
McHenry, Illinois 89 $ 18,321,000 $ 205,853 $ 67,000
Mohave, Arizona 88 $ 21,648,000 $ 246,000 $ 91,000
Mecklenburg, North Carolina 88 $ 16,297,000 $ 185,193 $ 112,000
Dallas, Texas 88 $ 15,043,000 $ 170,943 $ 99,000
Ocean, New Jersey 85 $ 20,673,000 $ 243,211 $ 85,000
Santa Clara, California 84 $ 53,027,000 $ 631,273 $ 215,000
Oakland, Michigan 83 $ 19,256,000 $ 232,000 $ 104,000
York, Pennsylvania 83 $ 12,050,000 $ 145,180 $ 63,000
Richland, South Carolina 83 $ 12,307,000 $ 148,277 $ 64,000
Caddo, Louisiana 82 $ 11,726,000 $ 143,000 $ 64,000
Bergen, New Jersey 81 $ 32,254,000 $ 398,197 $ 180,000
Providence, Rhode Island 81 $ 16,944,000 $ 209,185 $ 60,000
Howard, Maryland 78 $ 23,461,000 $ 300,782 $ 112,000
Essex, New Jersey 78 $ 21,974,000 $ 281,717 $ 106,000
Boulder, Colorado 76 $ 21,483,000 $ 282,671 $ 120,000
Clayton, Georgia 76 $ 9,055,000 $ 119,144 $ 53,000
Cuyahoga, Ohio 76 $ 11,862,000 $ 156,078 $ 47,000
Lorain, Ohio 76 $ 10,498,000 $ 138,131 $ 53,000
Shelby, Alabama 75 $ 13,631,000 $ 181,746 $ 85,000
Seminole, Florida 75 $ 15,528,000 $ 207,040 $ 84,000
Osceola, Florida 74 $ 15,672,000 $ 211,783 $ 79,000
Limestone, Alabama 72 $ 12,417,000 $ 172,458 $ 74,000
Richmond, New York 71 $ 25,434,000 $ 358,225 $ 118,000
Lake, Indiana 69 $ 9,741,000 $ 141,173 $ 61,000
Crow Wing, Minnesota 69 $ 14,331,000 $ 207,695 $ 70,000
Washington, Minnesota 69 $ 17,527,000 $ 254,014 $ 96,000
Monmouth, New Jersey 68 $ 24,827,000 $ 365,102 $ 111,000
Fairfax, Virginia 68 $ 24,125,000 $ 354,779 $ 107,000
Arapahoe, Colorado 67 $ 11,461,000 $ 171,059 $ 94,000
Jackson, Missouri 66 $ 8,849,000 $ 134,075 $ 79,000
Douglas, Colorado 65 $ 14,248,000 $ 219,200 $ 101,000
Weld, Colorado 65 $ 12,019,000 $ 184,907 $ 93,000
Larimer, Colorado 63 $ 14,340,000 $ 227,619 $ 99,000
Lafayette, Louisiana 63 $ 9,350,000 $ 148,412 $ 73,000
Washtenaw, Michigan 63 $ 13,749,000 $ 218,238 $ 107,000
Alameda, California 62 $ 30,830,000 $ 497,258 $ 168,000
East Baton Rouge, Louisiana 62 $ 8,756,000 $ 141,225 $ 68,000
Jefferson, Louisiana 62 $ 8,879,000 $ 143,209 $ 84,000
Clay, Missouri 60 $ 7,555,000 $ 125,916 $ 72,000
Middlesex, New Jersey 60 $ 17,087,000 $ 284,783 $ 104,000
Columbia, Georgia 59 $ 8,726,000 $ 147,898 $ 61,000
Adams, Colorado 58 $ 9,014,000 $ 155,413 $ 77,000
Yellowstone, Montana 58 $ 9,286,000 $ 160,103 $ 65,000
Harford, Maryland 57 $ 15,314,000 $ 268,666 $ 104,000
Troup, Georgia 56 $ 7,927,000 $ 141,553 $ 89,000
Fort Bend, Texas 56 $ 8,531,000 $ 152,339 $ 87,000
Boone, Arkansas 55 $ 6,565,000 $ 119,363 $ 51,000
Burlington, New Jersey 54 $ 10,558,000 $ 195,518 $ 84,000
Tarrant, Texas 54 $ 7,964,000 $ 147,481 $ 112,000
Chambers, Alabama 53 $ 4,155,000 $ 78,396 $ 44,000
Henry, Georgia 53 $ 9,211,000 $ 173,792 $ 79,000
Charles, Maryland 53 $ 11,465,000 $ 216,320 $ 89,000
Passaic, New Jersey 53 $ 16,483,000 $ 311,000 $ 90,000
Bronx, New York 53 $ 15,871,000 $ 299,452 $ 67,000
Pierce, Washington 53 $ 13,388,000 $ 252,603 $ 82,000
El Paso, Colorado 52 $ 10,054,000 $ 193,346 $ 77,000
San Luis Obispo, California 51 $ 19,140,000 $ 375,294 $ 138,000
Marion, Indiana 51 $ 6,366,000 $ 124,823 $ 66,000
Travis, Texas 51 $ 10,580,000 $ 207,450 $ 103,000
Madison, Illinois 50 $ 6,265,000 $ 125,300 $ 65,000
St. Clair, Illinois 50 $ 5,085,000 $ 101,700 $ 49,000
Yakima, Washington 50 $ 7,857,000 $ 157,140 $ 79,000
New Haven, Connecticut 49 $ 9,874,000 $ 201,510 $ 73,000
Douglas, Georgia 49 $ 6,871,000 $ 140,224 $ 59,000
Frederick, Maryland 49 $ 14,015,000 $ 286,020 $ 88,000
Scott, Minnesota 49 $ 12,870,000 $ 262,653 $ 91,000
Sherburne, Minnesota 49 $ 8,948,000 $ 182,612 $ 79,000
Stearns, Minnesota 48 $ 8,947,000 $ 186,395 $ 75,000
Mobile, Alabama 47 $ 7,014,000 $ 149,234 $ 62,000
Hartford, Connecticut 47 $ 10,672,000 $ 227,063 $ 76,000
Hall, Georgia 47 $ 7,164,000 $ 152,425 $ 87,000
Hamilton, Ohio 47 $ 6,786,000 $ 144,382 $ 65,000
Polk, Florida 46 $ 8,047,000 $ 174,934 $ 49,000
Greene, Missouri 45 $ 5,806,000 $ 129,022 $ 85,000
Taney, Missouri 45 $ 5,849,000 $ 129,977 $ 74,000
Greenville, South Carolina 45 $ 6,586,000 $ 146,355 $ 75,000
Pasco, Florida 44 $ 7,363,000 $ 167,340 $ 78,000
Kane, Illinois 44 $ 10,243,000 $ 232,795 $ 101,000
Boone, Missouri 44 $ 4,950,000 $ 112,500 $ 88,000
Camden, New Jersey 44 $ 6,684,000 $ 151,909 $ 62,000
Lee, Alabama 43 $ 6,736,000 $ 156,651 $ 64,000
Madison, Alabama 43 $ 5,486,000 $ 127,581 $ 87,000
Clay, Florida 43 $ 7,058,000 $ 164,139 $ 75,000
Collier, Florida 43 $ 11,838,000 $ 275,302 $ 103,000
Cherokee, Georgia 43 $ 6,768,000 $ 157,395 $ 64,000
Winnebago, Illinois 43 $ 4,010,000 $ 93,255 $ 63,000
Barnstable, Massachusetts 43 $ 14,194,000 $ 330,093 $ 179,000
Wright, Minnesota 43 $ 7,803,000 $ 181,465 $ 84,000
Utah, Utah 43 $ 9,424,000 $ 219,162 $ 128,000
Fayette, Georgia 42 $ 8,831,000 $ 210,261 $ 90,000
Carver, Minnesota 42 $ 10,108,000 $ 240,666 $ 88,000
Hudson, New Jersey 42 $ 12,459,000 $ 296,642 $ 64,000
Onslow, North Carolina 42 $ 5,696,000 $ 135,619 $ 62,000
Montgomery, Ohio 42 $ 5,985,000 $ 142,500 $ 72,000
Gloucester, New Jersey 41 $ 7,509,000 $ 183,146 $ 87,000
Milwaukee, Wisconsin 41 $ 4,750,000 $ 115,853 $ 58,000
Grundy, Illinois 40 $ 7,541,000 $ 188,525 $ 89,000
Cass, Minnesota 40 $ 6,904,000 $ 172,600 $ 64,000
Union, New Jersey 40 $ 12,946,000 $ 323,650 $ 78,000
Kent, Rhode Island 39 $ 7,388,000 $ 189,435 $ 76,000
Fairfield, Connecticut 38 $ 15,031,000 $ 395,552 $ 141,000
Pinellas, Florida 38 $ 6,633,000 $ 174,552 $ 104,000
St. Johns, Florida 38 $ 10,594,000 $ 278,789 $ 159,000
St. Lucie, Florida 38 $ 7,496,000 $ 197,263 $ 82,000
Rockingham, New Hampshire 38 $ 11,809,000 $ 310,763 $ 98,000
Prince William, Virginia 38 $ 12,266,000 $ 322,789 $ 106,000
Bossier, Louisiana 37 $ 4,864,000 $ 131,459 $ 67,000
St. Landry, Louisiana 37 $ 4,404,000 $ 119,027 $ 68,000
Orangeburg, South Carolina 37 $ 4,848,000 $ 131,027 $ 63,000
Denton, Texas 37 $ 6,835,000 $ 184,729 $ 126,000
Forsyth, Georgia 36 $ 8,864,000 $ 246,222 $ 89,000
Rockdale, Georgia 36 $ 6,197,000 $ 172,138 $ 91,000
Penobscot, Maine 36 $ 4,640,000 $ 128,888 $ 49,000
Charleston, South Carolina 36 $ 9,754,000 $ 270,944 $ 114,000
Sarasota, Florida 35 $ 7,770,000 $ 222,000 $ 83,000
Queen Anne's, Maryland 35 $ 9,237,000 $ 263,914 $ 94,000
Nobles, Minnesota 35 $ 2,454,000 $ 70,114 $ 49,000
Westchester, New York 34 $ 12,001,000 $ 352,970 $ 117,000
St. Clair, Alabama 33 $ 4,847,000 $ 146,878 $ 58,000
Kern, California 33 $ 8,001,000 $ 242,454 $ 104,000
Barrow, Georgia 33 $ 4,166,000 $ 126,242 $ 65,000
Leavenworth, Kansas 33 $ 4,557,000 $ 138,090 $ 73,000
Rice, Minnesota 33 $ 5,568,000 $ 168,727 $ 59,000
Lawrence, Tennessee 33 $ 2,654,000 $ 80,424 $ 44,000
Davis, Utah 33 $ 5,266,000 $ 159,575 $ 80,000
Tuscaloosa, Alabama 32 $ 4,204,000 $ 131,375 $ 65,000
Brevard, Florida 32 $ 5,270,000 $ 164,687 $ 76,000
Calcasieu, Louisiana 32 $ 4,024,000 $ 125,750 $ 51,000
Butler, Ohio 32 $ 5,088,000 $ 159,000 $ 67,000
Tulare, California 31 $ 7,272,000 $ 234,580 $ 96,000
Clay, Minnesota 31 $ 3,286,000 $ 106,000 $ 86,000
Itasca, Minnesota 31 $ 4,438,000 $ 143,161 $ 56,000
Roseau, Minnesota 31 $ 3,177,000 $ 102,483 $ 45,000
Cape May, New Jersey 31 $ 8,447,000 $ 272,483 $ 124,000
Cass, North Dakota 31 $ 5,141,000 $ 165,838 $ 83,000
Scott, Iowa 30 $ 3,698,000 $ 123,266 $ 79,000
Mercer, New Jersey 30 $ 6,180,000 $ 206,000 $ 97,000
Durham, North Carolina 30 $ 4,747,000 $ 158,233 $ 73,000
St. Croix, Wisconsin 30 $ 6,783,000 $ 226,100 $ 74,000
LaSalle, Illinois 29 $ 3,360,000 $ 115,862 $ 64,000
Johnson, Kansas 29 $ 4,887,000 $ 168,517 $ 79,000
Collin, Texas 29 $ 8,247,000 $ 284,379 $ 162,000
Snohomish, Washington 29 $ 6,507,000 $ 224,379 $ 125,000
Carroll, Arkansas 28 $ 3,708,000 $ 132,428 $ 70,000
Contra Costa, California 28 $ 15,296,000 $ 546,285 $ 160,000
Ventura, California 28 $ 11,597,000 $ 414,178 $ 156,000
Escambia, Florida 28 $ 4,266,000 $ 152,357 $ 101,000
Dougherty, Georgia 28 $ 2,108,000 $ 75,285 $ 44,000
McLean, Illinois 28 $ 2,173,000 $ 77,607 $ 70,000
Mills, Iowa 28 $ 3,235,000 $ 115,535 $ 76,000
Rapides, Louisiana 28 $ 2,940,000 $ 105,000 $ 41,000
Goodhue, Minnesota 28 $ 5,283,000 $ 188,678 $ 66,000
Camden, Missouri 28 $ 6,192,000 $ 221,142 $ 225,000
Franklin, Missouri 28 $ 11,601,000 $ 414,321 $ 195,000
Buncombe, North Carolina 28 $ 6,216,000 $ 222,000 $ 82,000
Spotsylvania, Virginia 28 $ 7,432,000 $ 265,428 $ 114,000
Pima, Arizona 27 $ 5,643,000 $ 209,000 $ 99,000
Pinal, Arizona 27 $ 5,553,000 $ 205,666 $ 98,000
Placer, California 27 $ 10,588,000 $ 392,148 $ 153,000
Paulding, Georgia 27 $ 3,121,000 $ 115,592 $ 50,000
Flathead, Montana 27 $ 8,407,000 $ 311,370 $ 179,000
Morris, New Jersey 27 $ 10,571,000 $ 391,518 $ 113,000
Orange, New York 27 $ 6,344,000 $ 234,962 $ 86,000
Hoke, North Carolina 27 $ 4,107,000 $ 152,111 $ 52,000
Lexington, South Carolina 27 $ 3,193,000 $ 118,259 $ 45,000
Randolph, Arkansas 26 $ 2,419,000 $ 93,038 $ 51,000
Kings, California 26 $ 5,627,000 $ 216,423 $ 88,000
Carroll, Maryland 26 $ 6,961,000 $ 267,730 $ 83,000
Hampden, Massachusetts 26 $ 5,076,000 $ 195,230 $ 53,000
Christian, Missouri 26 $ 4,175,000 $ 160,576 $ 88,000
Burleigh, North Dakota 26 $ 2,930,000 $ 112,692 $ 86,000
Ward, North Dakota 26 $ 2,145,000 $ 82,500 $ 51,000
Stark, Ohio 26 $ 3,369,000 $ 129,576 $ 42,000
Bexar, Texas 26 $ 5,159,000 $ 198,423 $ 82,000
Chilton, Alabama 25 $ 4,241,000 $ 169,640 $ 59,000
Lauderdale, Alabama 25 $ 2,344,000 $ 93,760 $ 53,000
Sacramento, California 25 $ 7,770,000 $ 310,800 $ 95,000
Flagler, Florida 25 $ 5,652,000 $ 226,080 $ 104,000
Marion, Florida 25 $ 3,468,000 $ 138,720 $ 45,000
Newton, Georgia 25 $ 4,026,000 $ 161,040 $ 64,000
Macomb, Michigan 25 $ 3,721,000 $ 148,840 $ 67,000
Lincoln, Missouri 25 $ 3,760,000 $ 150,400 $ 79,000
Hamilton, Tennessee 25 $ 2,525,000 $ 101,000 $ 58,000
Hubbard, Minnesota 24 $ 4,031,000 $ 167,958 $ 91,000
Washington, Utah 24 $ 6,649,000 $ 277,041 $ 107,000
Hamilton, Indiana 23 $ 4,368,000 $ 189,913 $ 80,000
Porter, Indiana 23 $ 3,221,000 $ 140,043 $ 61,000
Orleans, Louisiana 23 $ 4,306,000 $ 187,217 $ 69,000
Calvert, Maryland 23 $ 5,771,000 $ 250,913 $ 109,000
Caroline, Maryland 23 $ 3,639,000 $ 158,217 $ 84,000
DeSoto, Mississippi 23 $ 3,653,000 $ 158,826 $ 64,000
Union, North Carolina 23 $ 5,625,000 $ 244,565 $ 64,000
Clark, Washington 23 $ 5,270,000 $ 229,130 $ 89,000
Colbert, Alabama 22 $ 2,066,000 $ 93,909 $ 48,000
Cross, Arkansas 22 $ 2,315,000 $ 105,227 $ 57,000
Broomfield, Colorado 22 $ 4,048,000 $ 184,000 $ 101,000
Chatham, Georgia 22 $ 4,008,000 $ 182,181 $ 87,000
Wyandotte, Kansas 22 $ 2,706,000 $ 123,000 $ 75,000
San Mateo, California 21 $ 11,614,000 $ 553,047 $ 221,000
Rockland, New York 21 $ 5,668,000 $ 269,904 $ 148,000
Harnett, North Carolina 21 $ 3,161,000 $ 150,523 $ 62,000
Warren, Ohio 21 $ 4,592,000 $ 218,666 $ 98,000
Dane, Wisconsin 21 $ 2,243,000 $ 106,809 $ 91,000
Kenosha, Wisconsin 21 $ 3,374,000 $ 160,666 $ 64,000
Manatee, Florida 20 $ 4,424,000 $ 221,200 $ 60,000
Coweta, Georgia 20 $ 2,740,000 $ 137,000 $ 54,000
Carlton, Minnesota 20 $ 3,191,000 $ 159,550 $ 73,000
Chisago, Minnesota 20 $ 4,072,000 $ 203,600 $ 77,000
Multnomah, Oregon 20 $ 4,445,000 $ 222,250 $ 81,000
Horry, South Carolina 20 $ 3,507,000 $ 175,350 $ 73,000
Henrico, Virginia 20 $ 3,788,000 $ 189,400 $ 59,000
La Paz, Arizona 19 $ 4,874,000 $ 256,526 $ 188,000
Mesa, Colorado 19 $ 2,754,000 $ 144,947 $ 82,000
Hernando, Florida 19 $ 3,225,000 $ 169,736 $ 61,000
Kenton, Kentucky 19 $ 2,229,000 $ 117,315 $ 48,000
Beltrami, Minnesota 19 $ 2,827,000 $ 148,789 $ 64,000
Steele, Minnesota 19 $ 2,846,000 $ 149,789 $ 61,000
Cass, Missouri 19 $ 3,091,000 $ 162,684 $ 71,000
Cumberland, New Jersey 19 $ 2,413,000 $ 127,000 $ 71,000
Lake, Ohio 19 $ 2,895,000 $ 152,368 $ 74,000
York, South Carolina 19 $ 4,853,000 $ 255,421 $ 73,000
Virginia Beach, Virginia 19 $ 3,651,000 $ 192,157 $ 57,000
Spokane, Washington 19 $ 2,553,000 $ 134,368 $ 62,000
Bonneville, Idaho 18 $ 2,164,000 $ 120,222 $ 94,000
Bureau, Illinois 18 $ 1,007,000 $ 55,944 $ 36,000
Tazewell, Illinois 18 $ 1,577,000 $ 87,611 $ 40,000
Whiteside, Illinois 18 $ 2,120,000 $ 117,777 $ 57,000
Woodford, Illinois 18 $ 2,069,000 $ 114,944 $ 54,000
Jefferson, Kentucky 18 $ 2,540,000 $ 141,111 $ 50,000
Iberia, Louisiana 18 $ 2,279,000 $ 126,611 $ 55,000
Worcester, Maryland 18 $ 4,744,000 $ 263,555 $ 104,000
McLeod, Minnesota 18 $ 3,044,000 $ 169,111 $ 50,000
Somerset, New Jersey 18 $ 5,083,000 $ 282,388 $ 132,000
Guilford, North Carolina 18 $ 3,430,000 $ 190,555 $ 68,000
Summit, Ohio 18 $ 2,630,000 $ 146,111 $ 61,000
Bucks, Pennsylvania 18 $ 5,552,000 $ 308,444 $ 86,000
Montgomery, Pennsylvania 18 $ 4,424,000 $ 245,777 $ 405,000
Aiken, South Carolina 18 $ 1,894,000 $ 105,222 $ 49,000
Berkeley, South Carolina 18 $ 3,026,000 $ 168,111 $ 76,000
Montgomery, Texas 18 $ 3,586,000 $ 199,222 $ 108,000
Williamson, Texas 18 $ 2,623,000 $ 145,722 $ 70,000
Chittenden, Vermont 18 $ 4,222,000 $ 234,555 $ 29,000
Stafford, Virginia 18 $ 5,235,000 $ 290,833 $ 201,000
Waukesha, Wisconsin 18 $ 4,923,000 $ 273,500 $ 111,000
Blount, Alabama 17 $ 2,567,000 $ 151,000 $ 49,000
Camden, Georgia 17 $ 2,954,000 $ 173,764 $ 60,000
Kendall, Illinois 17 $ 3,020,000 $ 177,647 $ 78,000
Boone, Kentucky 17 $ 3,086,000 $ 181,529 $ 52,000
St. Martin, Louisiana 17 $ 2,132,000 $ 125,411 $ 60,000
Cumberland, Maine 17 $ 4,220,000 $ 248,235 $ 96,000
Cecil, Maryland 17 $ 3,534,000 $ 207,882 $ 72,000
Talbot, Maryland 17 $ 4,234,000 $ 249,058 $ 81,000
Becker, Minnesota 17 $ 2,880,000 $ 169,411 $ 61,000
Benton, Minnesota 17 $ 2,244,000 $ 132,000 $ 60,000
Pipestone, Minnesota 17 $ 1,214,000 $ 71,411 $ 38,000
Bernalillo, New Mexico 17 $ 2,481,000 $ 145,941 $ 82,000
Delaware, Ohio 17 $ 4,426,000 $ 260,352 $ 100,000
Lehigh, Pennsylvania 17 $ 3,673,000 $ 216,058 $ 44,000
Galveston, Texas 17 $ 2,780,000 $ 163,529 $ 80,000
Weber, Utah 17 $ 1,949,000 $ 114,647 $ 49,000
Jefferson, Wisconsin 17 $ 3,303,000 $ 194,294 $ 77,000
Polk, Wisconsin 17 $ 2,480,000 $ 145,882 $ 82,000
San Joaquin, California 16 $ 5,562,000 $ 347,625 $ 115,000
Elbert, Colorado 16 $ 3,170,000 $ 198,125 $ 96,000
Pueblo, Colorado 16 $ 3,362,000 $ 210,125 $ 93,000
Peoria, Illinois 16 $ 1,715,000 $ 107,187 $ 50,000
Rock Island, Illinois 16 $ 1,401,000 $ 87,562 $ 51,000
Acadia, Louisiana 16 $ 1,740,000 $ 108,750 $ 56,000
Hillsborough, New Hampshire 16 $ 3,703,000 $ 231,437 $ 98,000
Saratoga, New York 16 $ 2,139,000 $ 133,687 $ 57,000
Orange, North Carolina 16 $ 4,562,000 $ 285,125 $ 192,000
Davidson, Tennessee 16 $ 3,084,000 $ 192,750 $ 92,000
Brazoria, Texas 16 $ 1,919,000 $ 119,937 $ 92,000
Bennington, Vermont 16 $ 2,589,000 $ 161,812 $ 70,000
Loudoun, Virginia 16 $ 5,425,000 $ 339,062 $ 133,000
Yavapai, Arizona 15 $ 3,506,000 $ 233,733 $ 104,000
Santa Barbara, California 15 $ 4,640,000 $ 309,333 $ 62,000
Siskiyou, California 15 $ 2,513,000 $ 167,533 $ 57,000
Charlotte, Florida 15 $ 2,649,000 $ 176,600 $ 108,000
Berkshire, Massachusetts 15 $ 1,405,000 $ 93,666 $ 54,000
Calhoun, Michigan 15 $ 1,663,000 $ 110,866 $ 58,000
Jackson, Michigan 15 $ 1,397,000 $ 93,133 $ 48,000
Otter Tail, Minnesota 15 $ 2,932,000 $ 195,466 $ 75,000
Howell, Missouri 15 $ 1,430,000 $ 95,333 $ 55,000
Morgan, Missouri 15 $ 2,057,000 $ 137,133 $ 94,000
Morton, North Dakota 15 $ 1,320,000 $ 88,000 $ 58,000
Fairfield, Ohio 15 $ 1,916,000 $ 127,733 $ 48,000
Payne, Oklahoma 15 $ 2,060,000 $ 137,333 $ 73,000
Chester, Pennsylvania 15 $ 3,975,000 $ 265,000 $ 86,000
Florence, South Carolina 15 $ 2,056,000 $ 137,066 $ 55,000
Minnehaha, South Dakota 15 $ 2,271,000 $ 151,400 $ 64,000
Jefferson, Texas 15 $ 995,000 $ 66,333 $ 39,000
Cleburne, Arkansas 14 $ 2,353,000 $ 168,071 $ 100,000
Madera, California 14 $ 4,423,000 $ 315,928 $ 88,000
Alachua, Florida 14 $ 2,401,000 $ 171,500 $ 74,000
Glynn, Georgia 14 $ 2,170,000 $ 155,000 $ 68,000
Washington, Georgia 14 $ 1,585,000 $ 113,214 $ 87,000
Ogle, Illinois 14 $ 1,665,000 $ 118,928 $ 72,000
Lawrence, Indiana 14 $ 1,631,000 $ 116,500 $ 55,000
Atchison, Kansas 14 $ 2,130,000 $ 152,142 $ 100,000
Ascension, Louisiana 14 $ 2,352,000 $ 168,000 $ 54,000
Douglas, Minnesota 14 $ 2,906,000 $ 207,571 $ 95,000
Benton, Missouri 14 $ 1,121,000 $ 80,071 $ 31,000
Platte, Missouri 14 $ 2,905,000 $ 207,500 $ 80,000
Sussex, New Jersey 14 $ 4,249,000 $ 303,500 $ 137,000
Erie, Ohio 14 $ 1,498,000 $ 107,000 $ 71,000
Delaware, Pennsylvania 14 $ 2,032,000 $ 145,142 $ 50,000
Knox, Tennessee 14 $ 2,050,000 $ 146,428 $ 49,000
Lewis, Tennessee 14 $ 1,315,000 $ 93,928 $ 43,000
Williamson, Tennessee 14 $ 4,230,000 $ 302,142 $ 173,000
McLennan, Texas 14 $ 1,077,000 $ 76,928 $ 58,000
Rock, Wisconsin 14 $ 1,750,000 $ 125,000 $ 54,000
Clay, Alabama 13 $ 1,666,000 $ 128,153 $ 68,000
Logan, Arkansas 13 $ 1,182,000 $ 90,923 $ 63,000
Washington, Arkansas 13 $ 3,198,000 $ 246,000 $ 142,000
Lassen, California 13 $ 2,590,000 $ 199,230 $ 58,000
Merced, California 13 $ 2,741,000 $ 210,846 $ 101,000
Bartow, Georgia 13 $ 1,816,000 $ 139,692 $ 50,000
Madison, Indiana 13 $ 1,547,000 $ 119,000 $ 61,000
St. Mary, Louisiana 13 $ 1,458,000 $ 112,153 $ 61,000
St. Tammany, Louisiana 13 $ 2,601,000 $ 200,076 $ 73,000
Vernon, Louisiana 13 $ 2,058,000 $ 158,307 $ 62,000
Stone, Missouri 13 $ 2,289,000 $ 176,076 $ 71,000
Teton, Montana 13 $ 1,384,000 $ 106,461 $ 54,000
Platte, Nebraska 13 $ 846,000 $ 65,076 $ 50,000
Cabarrus, North Carolina 13 $ 2,270,000 $ 174,615 $ 47,000
Dare, North Carolina 13 $ 3,303,000 $ 254,076 $ 102,000
Iredell, North Carolina 13 $ 3,688,000 $ 283,692 $ 61,000
Tuscarawas, Ohio 13 $ 1,795,000 $ 138,076 $ 56,000
Haskell, Oklahoma 13 $ 1,338,000 $ 102,923 $ 84,000
Washington, Oregon 13 $ 2,846,000 $ 218,923 $ 57,000
Allegheny, Pennsylvania 13 $ 1,676,000 $ 128,923 $ 49,000
Beaufort, South Carolina 13 $ 4,375,000 $ 336,538 $ 185,000
Dickson, Tennessee 13 $ 1,958,000 $ 150,615 $ 53,000
Fayette, Tennessee 13 $ 2,278,000 $ 175,230 $ 66,000
Giles, Tennessee 13 $ 986,000 $ 75,846 $ 46,000
Bell, Texas 13 $ 1,787,000 $ 137,461 $ 83,000
Douglas, Wisconsin 13 $ 2,302,000 $ 177,076 $ 72,000
Tallapoosa, Alabama 12 $ 1,651,000 $ 137,583 $ 66,000
Pulaski, Arkansas 12 $ 1,263,000 $ 105,250 $ 73,000
New London, Connecticut 12 $ 2,192,000 $ 182,666 $ 69,000
Bay, Florida 12 $ 2,871,000 $ 239,250 $ 212,000
Baldwin, Georgia 12 $ 1,449,000 $ 120,750 $ 98,000
Jackson, Georgia 12 $ 2,015,000 $ 167,916 $ 94,000
Walton, Georgia 12 $ 1,576,000 $ 131,333 $ 63,000
DeKalb, Illinois 12 $ 1,829,000 $ 152,416 $ 62,000
Knox, Illinois 12 $ 1,086,000 $ 90,500 $ 42,000
Vermilion, Illinois 12 $ 1,212,000 $ 101,000 $ 61,000
York, Maine 12 $ 3,502,000 $ 291,833 $ 55,000
Washington, Maryland 12 $ 2,488,000 $ 207,333 $ 65,000
Kandiyohi, Minnesota 12 $ 2,261,000 $ 188,416 $ 95,000
Dodge, Nebraska 12 $ 1,058,000 $ 88,166 $ 65,000
Thayer, Nebraska 12 $ 667,000 $ 55,583 $ 55,000
Hunterdon, New Jersey 12 $ 3,368,000 $ 280,666 $ 86,000
Camden, North Carolina 12 $ 2,847,000 $ 237,250 $ 77,000
Forsyth, North Carolina 12 $ 1,768,000 $ 147,333 $ 48,000
Greene, Ohio 12 $ 1,299,000 $ 108,250 $ 55,000
Adams, Pennsylvania 12 $ 2,152,000 $ 179,333 $ 91,000
Washington, Rhode Island 12 $ 3,711,000 $ 309,250 $ 61,000
Rockwall, Texas 12 $ 2,803,000 $ 233,583 $ 128,000
King George, Virginia 12 $ 2,874,000 $ 239,500 $ 121,000
Kittitas, Washington 12 $ 2,897,000 $ 241,416 $ 71,000
Hardy, West Virginia 12 $ 1,800,000 $ 150,000 $ 41,000
Houston, Alabama 11 $ 1,210,000 $ 110,000 $ 108,000
Madison, Arkansas 11 $ 1,234,000 $ 112,181 $ 94,000
Butte, California 11 $ 2,390,000 $ 217,272 $ 69,000
Plumas, California 11 $ 1,985,000 $ 180,454 $ 40,000
Citrus, Florida 11 $ 1,514,000 $ 137,636 $ 92,000
Santa Rosa, Florida 11 $ 2,026,000 $ 184,181 $ 120,000
Champaign, Illinois 11 $ 1,291,000 $ 117,363 $ 76,000
St. Mary's, Maryland 11 $ 2,656,000 $ 241,454 $ 89,000
Monroe, Michigan 11 $ 1,895,000 $ 172,272 $ 35,000
Morrison, Minnesota 11 $ 2,402,000 $ 218,363 $ 63,000
Olmsted, Minnesota 11 $ 2,027,000 $ 184,272 $ 65,000
Grafton, New Hampshire 11 $ 2,233,000 $ 203,000 $ 80,000
Dona Ana, New Mexico 11 $ 1,080,000 $ 98,181 $ 85,000
Santa Fe, New Mexico 11 $ 2,956,000 $ 268,727 $ 98,000
Currituck, North Carolina 11 $ 3,082,000 $ 280,181 $ 97,000
Oklahoma, Oklahoma 11 $ 922,000 $ 83,818 $ 40,000
Tulsa, Oklahoma 11 $ 1,649,000 $ 149,909 $ 61,000
Brookings, South Dakota 11 $ 1,251,000 $ 113,727 $ 54,000
Anderson, Tennessee 11 $ 1,455,000 $ 132,272 $ 79,000
Madison, Tennessee 11 $ 1,125,000 $ 102,272 $ 33,000
Hidalgo, Texas 11 $ 1,651,000 $ 150,090 $ 116,000
Chesapeake, Virginia 11 $ 2,407,000 $ 218,818 $ 47,000
Chesterfield, Virginia 11 $ 2,283,000 $ 207,545 $ 80,000
Talladega, Alabama 10 $ 957,000 $ 95,700 $ 54,000
Arkansas, Arkansas 10 $ 990,000 $ 99,000 $ 47,000
Newton, Arkansas 10 $ 932,000 $ 93,200 $ 40,000
Stanislaus, California 10 $ 2,280,000 $ 228,000 $ 48,000
Delta, Colorado 10 $ 1,231,000 $ 123,100 $ 76,000
Middlesex, Connecticut 10 $ 2,834,000 $ 283,400 $ 55,000
New Castle, Delaware 10 $ 1,966,000 $ 196,600 $ 72,000
Nassau, Florida 10 $ 2,306,000 $ 230,600 $ 57,000
Carroll, Georgia 10 $ 1,172,000 $ 117,200 $ 42,000
Fannin, Georgia 10 $ 2,616,000 $ 261,600 $ 19,000
Johnson, Indiana 10 $ 2,694,000 $ 269,400 $ 86,000
Grant, Louisiana 10 $ 1,038,000 $ 103,800 $ 48,000
Genesee, Michigan 10 $ 1,863,000 $ 186,300 $ 72,000
Kalamazoo, Michigan 10 $ 828,000 $ 82,800 $ 44,000
Livingston, Michigan 10 $ 1,464,000 $ 146,400 $ 76,000
Isanti, Minnesota 10 $ 1,918,000 $ 191,800 $ 76,000
Mower, Minnesota 10 $ 808,000 $ 80,800 $ 38,000
Callaway, Missouri 10 $ 856,000 $ 85,600 $ 101,000
Cape Girardeau, Missouri 10 $ 1,013,000 $ 101,300 $ 87,000
St. Francois, Missouri 10 $ 993,000 $ 99,300 $ 75,000
Washoe, Nevada 10 $ 3,026,000 $ 302,600 $ 129,000
San Juan, New Mexico 10 $ 2,000,000 $ 200,000 $ 142,000
Warren, New York 10 $ 1,953,000 $ 195,300 $ 130,000
Williams, North Dakota 10 $ 784,000 $ 78,400 $ 56,000
Geauga, Ohio 10 $ 2,449,000 $ 244,900 $ 112,000
Licking, Ohio 10 $ 1,233,000 $ 123,300 $ 55,000
Newport, Rhode Island 10 $ 2,955,000 $ 295,500 $ 85,000
Franklin, Alabama 9 $ 694,000 $ 77,111 $ 52,000
Russell, Alabama 9 $ 936,000 $ 104,000 $ 63,000
Sonoma, California 9 $ 3,195,000 $ 355,000 $ 98,000
Okaloosa, Florida 9 $ 1,154,000 $ 128,222 $ 63,000
Putnam, Florida 9 $ 1,261,000 $ 140,111 $ 83,000
Dawson, Georgia 9 $ 2,154,000 $ 239,333 $ 125,000
Habersham, Georgia 9 $ 1,527,000 $ 169,666 $ 58,000
Houston, Georgia 9 $ 1,195,000 $ 132,777 $ 78,000
Livingston, Illinois 9 $ 1,208,000 $ 134,222 $ 69,000
Sangamon, Illinois 9 $ 988,000 $ 109,777 $ 61,000
Hendricks, Indiana 9 $ 1,115,000 $ 123,888 $ 39,000
Johnson, Iowa 9 $ 747,000 $ 83,000 $ 100,000
Livingston, Louisiana 9 $ 977,000 $ 108,555 $ 83,000
Lenawee, Michigan 9 $ 920,000 $ 102,222 $ 53,000
Van Buren, Michigan 9 $ 1,250,000 $ 138,888 $ 42,000
Aitkin, Minnesota 9 $ 1,238,000 $ 137,555 $ 64,000
Mille Lacs, Minnesota 9 $ 1,668,000 $ 185,333 $ 63,000
Tate, Mississippi 9 $ 1,332,000 $ 148,000 $ 66,000
Butler, Missouri 9 $ 789,000 $ 87,666 $ 63,000
Madison, Nebraska 9 $ 785,000 $ 87,222 $ 42,000
Webster, Nebraska 9 $ 768,000 $ 85,333 $ 48,000
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Mortgage Loan Application Detail Totals for Netbank Fundings Services 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 14,963 $3,487,462,000 $233,000 $1,000,000 $87,000 $5,918,000
Home Purchase 14,062 $2,644,898,000 $188,000 $1,000,000 $88,000 $4,290,000
Home Improvement 338 $82,218,000 $243,000 $1,000,000 $91,000 $2,000,000

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 12,992 $2,650,378,000 $204,000 $1,000,000 $91,000 $3,000,000
Not applicable 8,932 $1,996,742,000 $223,000 $950,000 $89,000 $5,918,000
Black or African American 2,872 $512,618,000 $178,000 $1,000,000 $69,000 $1,076,000
Hispanic 2,363 $502,710,000 $212,000 $985,000 $76,000 $1,020,000
Not Provided 1,214 $264,074,000 $217,000 $1,000,000 $85,000 $736,000
Asian 864 $260,691,000 $301,000 $1,000,000 $124,000 $4,290,000
Native Hawaiian or Other Pacific Islander 68 $17,660,000 $259,000 $650,000 $104,000 $360,000
American Indian or Alaskan Native 58 $9,705,000 $167,000 $613,000 $74,000 $400,000

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) 26,858 $5,869,549,000 $218,000 $1,000,000 $91,000 $5,918,000
FHA-insured (Federal Housing Administration) 1,997 $258,686,000 $129,000 $370,000 $51,000 $373,000
VA-guaranteed (Veterans Administration) 507 $86,223,000 $170,000 $429,000 $56,000 $184,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 1 $120,000 $120,000 $120,000 $77,000 $77,000

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 11,452 $2,368,947,000 $206,000 $1,000,000 $83,000 $4,290,000
Loan Purchased By The Institution 8,949 $2,002,779,000 $223,000 $950,000 $89,000 $5,918,000
File Closed For Incompleteness 5,402 $1,084,260,000 $200,000 $1,000,000 $91,000 $3,000,000
Application Denied By Financial Institution 2,932 $624,681,000 $213,000 $1,000,000 $95,000 $2,615,000
Application Approved But Not Accepted 574 $122,539,000 $213,000 $987,000 $86,000 $684,000
Application Withdrawn By Applicant 54 $11,372,000 $210,000 $845,000 $96,000 $314,000
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 History 863 $162,534,000 $188,000 $1,000,000 $78,000 $2,615,000
Debt-To-Income Ratio 653 $138,154,000 $211,000 $1,000,000 $84,000 $588,000
Other 512 $126,874,000 $247,000 $1,000,000 $117,000 $1,500,000
Collateral 486 $99,366,000 $204,000 $940,000 $99,000 $1,754,000
Employment History 216 $48,826,000 $226,000 $928,000 $111,000 $859,000
Unverifiable Information 155 $38,788,000 $250,000 $980,000 $123,000 $852,000
Insufficient Cash (Downpayment, Closing Cost) 36 $8,226,000 $228,000 $692,000 $107,000 $360,000
Credit Application Incomplete 8 $1,333,000 $166,000 $400,000 $88,000 $163,000
Mortgage Insurance Denied 3 $580,000 $193,000 $285,000 $34,000 $75,000

Our comprehensive HMDA mortgage statistics provide invaluable insights into Netbank Fundings Services'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 Netbank Fundings Services'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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