Netbank Fundings Services Mortgage Lending & HMDA Data, 2004
In 2004, Netbank Fundings Services of Columbia, SC reported 17,500 mortgage applications totaling $2.8 billion, up 221% from 2003. The average application was for $159,655, and applicants reported an average income of $58,525. 36% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Atlanta-Sandy Springs-Marietta, GA (1,068), Minneapolis-St. Paul-Bloomington, MN-WI (864) and Chicago-Naperville-Joliet, IL (717) (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 | 17,500 |
| Total Mortgage Loan Application Amount | $2,793,972,000 |
| Average Mortgage Loan Application Amount | $159,655 |
| Highest Mortgage Loan Application Amount | $1,133,000 |
| Average Applicant Income | $58,525 |
| Highest Applicant Income | $3,158,000 |
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records Netbank Fundings Services filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | 1,068 | $ 162,283,000 | $ 151,950 | $ 49,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 864 | $ 167,037,000 | $ 193,329 | $ 60,000 |
| Chicago-Naperville-Joliet, IL | 717 | $ 129,411,000 | $ 180,489 | $ 55,000 |
| St. Louis, MO-IL | 643 | $ 85,959,000 | $ 133,684 | $ 50,000 |
| Denver-Aurora, CO | 355 | $ 69,108,000 | $ 194,670 | $ 63,000 |
| Miami-Miami Beach-Kendall, FL | 345 | $ 57,127,000 | $ 165,585 | $ 73,000 |
| Orlando, FL | 305 | $ 48,900,000 | $ 160,327 | $ 55,000 |
| Birmingham-Hoover, AL | 297 | $ 33,971,000 | $ 114,380 | $ 44,000 |
| Las Vegas-Paradise, NV | 283 | $ 58,622,000 | $ 207,144 | $ 61,000 |
| Baltimore-Towson, MD | 261 | $ 47,484,000 | $ 181,931 | $ 63,000 |
| Jacksonville, FL | 225 | $ 29,859,000 | $ 132,706 | $ 54,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 220 | $ 40,408,000 | $ 183,672 | $ 65,000 |
| Tampa-St. Petersburg-Clearwater, FL | 204 | $ 31,353,000 | $ 153,691 | $ 54,000 |
| Cleveland-Elyria-Mentor, OH | 194 | $ 27,586,000 | $ 142,195 | $ 56,000 |
| Kansas City, MO-KS | 193 | $ 21,989,000 | $ 113,932 | $ 57,000 |
| Memphis, TN-MS-AR | 182 | $ 21,343,000 | $ 117,269 | $ 53,000 |
| Detroit-Livonia-Dearborn, MI | 181 | $ 25,007,000 | $ 138,160 | $ 57,000 |
| Fayetteville, NC | 172 | $ 19,126,000 | $ 111,197 | $ 52,000 |
| Riverside-San Bernardino-Ontario, CA | 170 | $ 36,127,000 | $ 212,511 | $ 76,000 |
| Boston-Quincy, MA | 155 | $ 40,983,000 | $ 264,406 | $ 74,000 |
| New York-Wayne-White Plains, NY-NJ | 152 | $ 40,947,000 | $ 269,388 | $ 78,000 |
| Columbus, OH | 150 | $ 20,551,000 | $ 137,006 | $ 58,000 |
| Lake County-Kenosha County, IL-WI | 149 | $ 29,332,000 | $ 196,859 | $ 66,000 |
| Los Angeles-Long Beach-Glendale, CA | 148 | $ 36,737,000 | $ 248,222 | $ 79,000 |
| Cambridge-Newton-Framingham, MA | 134 | $ 38,199,000 | $ 285,067 | $ 69,000 |
| Warren-Farmington Hills-Troy, MI | 131 | $ 26,696,000 | $ 203,786 | $ 68,000 |
| Augusta-Richmond County, GA-SC | 129 | $ 13,659,000 | $ 105,883 | $ 45,000 |
| Indianapolis, IN | 127 | $ 16,139,000 | $ 127,078 | $ 64,000 |
| Santa Ana-Anaheim-Irvine, CA | 113 | $ 36,364,000 | $ 321,805 | $ 110,000 |
| Duluth, MN-WI | 110 | $ 16,470,000 | $ 149,727 | $ 53,000 |
| Dallas-Plano-Irving, TX | 109 | $ 15,896,000 | $ 145,834 | $ 61,000 |
| Bethesda-Frederick-Gaithersburg, MD | 102 | $ 23,029,000 | $ 225,774 | $ 53,000 |
| Philadelphia, PA | 101 | $ 13,158,000 | $ 130,277 | $ 52,000 |
| Charlotte-Gastonia-Concord, NC-SC | 99 | $ 14,390,000 | $ 145,353 | $ 53,000 |
| Phoenix-Mesa-Scottsdale, AZ | 94 | $ 16,979,000 | $ 180,627 | $ 74,000 |
| Milwaukee-Waukesha-West Allis, WI | 93 | $ 13,660,000 | $ 146,881 | $ 62,000 |
| Camden, NJ | 92 | $ 13,938,000 | $ 151,500 | $ 64,000 |
| Providence-New Bedford-Fall River, RI-MA | 85 | $ 16,169,000 | $ 190,223 | $ 53,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 85 | $ 15,099,000 | $ 177,635 | $ 64,000 |
| Cincinnati-Middletown, OH-KY-IN | 82 | $ 10,271,000 | $ 125,256 | $ 36,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 79 | $ 15,131,000 | $ 191,531 | $ 60,000 |
| Huntsville, AL | 78 | $ 12,618,000 | $ 161,769 | $ 72,000 |
| New Orleans-Metairie-Kenner, LA | 75 | $ 8,604,000 | $ 114,720 | $ 54,000 |
| Durham, NC | 73 | $ 14,530,000 | $ 199,041 | $ 58,000 |
| San Diego-Carlsbad-San Marcos, CA | 73 | $ 22,594,000 | $ 309,506 | $ 99,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 72 | $ 10,674,000 | $ 148,250 | $ 63,000 |
| Richmond, VA | 72 | $ 10,631,000 | $ 147,652 | $ 60,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 70 | $ 15,848,000 | $ 226,400 | $ 78,000 |
| Springfield, MO | 70 | $ 7,396,000 | $ 105,657 | $ 56,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 70 | $ 13,823,000 | $ 197,471 | $ 54,000 |
| Hartford-West Hartford-East Hartford, CT | 69 | $ 11,806,000 | $ 171,101 | $ 68,000 |
| Raleigh-Cary, NC | 69 | $ 13,538,000 | $ 196,202 | $ 59,000 |
| Boulder, CO | 68 | $ 15,773,000 | $ 231,955 | $ 66,000 |
| Houston-Baytown-Sugar Land, TX | 67 | $ 9,126,000 | $ 136,208 | $ 64,000 |
| Salt Lake City, UT | 67 | $ 9,747,000 | $ 145,477 | $ 60,000 |
| Fresno, CA | 65 | $ 10,869,000 | $ 167,215 | $ 58,000 |
| Essex County, MA | 64 | $ 17,264,000 | $ 269,750 | $ 76,000 |
| Worcester, MA | 64 | $ 12,567,000 | $ 196,359 | $ 42,000 |
| Seattle-Bellevue-Everett, WA | 63 | $ 12,149,000 | $ 192,841 | $ 66,000 |
| Edison, NJ | 62 | $ 13,214,000 | $ 213,129 | $ 60,000 |
| Oakland-Fremont-Hayward, CA | 61 | $ 18,796,000 | $ 308,131 | $ 93,000 |
| Shreveport-Bossier City, LA | 61 | $ 4,191,000 | $ 68,704 | $ 37,000 |
| Columbia, SC | 60 | $ 8,275,000 | $ 137,916 | $ 49,000 |
| Dayton, OH | 59 | $ 6,276,000 | $ 106,372 | $ 27,000 |
| York-Hanover, PA | 55 | $ 6,481,000 | $ 117,836 | $ 65,000 |
| Baton Rouge, LA | 52 | $ 6,398,000 | $ 123,038 | $ 70,000 |
| Fort Collins-Loveland, CO | 52 | $ 9,102,000 | $ 175,038 | $ 63,000 |
| Nashville-Davidson--Murfreesboro, TN | 52 | $ 6,727,000 | $ 129,365 | $ 62,000 |
| Nassau-Suffolk, NY | 49 | $ 13,620,000 | $ 277,959 | $ 71,000 |
| Lafayette, LA | 47 | $ 5,119,000 | $ 108,914 | $ 55,000 |
| Atlantic City, NJ | 43 | $ 7,281,000 | $ 169,325 | $ 64,000 |
| Newark-Union, NJ-PA | 43 | $ 11,279,000 | $ 262,302 | $ 94,000 |
| St. Cloud, MN | 43 | $ 6,514,000 | $ 151,488 | $ 39,000 |
| Montgomery, AL | 41 | $ 4,223,000 | $ 103,000 | $ 77,000 |
| Gary, IN | 40 | $ 4,749,000 | $ 118,725 | $ 48,000 |
| New Haven-Milford, CT | 39 | $ 6,151,000 | $ 157,717 | $ 52,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 38 | $ 15,057,000 | $ 396,236 | $ 95,000 |
| Canton-Massillon, OH | 36 | $ 5,273,000 | $ 146,472 | $ 67,000 |
| Chattanooga, TN-GA | 36 | $ 3,617,000 | $ 100,472 | $ 43,000 |
| Charleston-North Charleston, SC | 35 | $ 5,606,000 | $ 160,171 | $ 56,000 |
| Akron, OH | 33 | $ 4,111,000 | $ 124,575 | $ 44,000 |
| Cape Coral-Fort Myers, FL | 33 | $ 5,519,000 | $ 167,242 | $ 72,000 |
| Fort Worth-Arlington, TX | 33 | $ 4,082,000 | $ 123,696 | $ 63,000 |
| Ann Arbor, MI | 32 | $ 6,239,000 | $ 194,968 | $ 62,000 |
| Peoria, IL | 32 | $ 2,583,000 | $ 80,718 | $ 41,000 |
| Greenville, SC | 31 | $ 3,749,000 | $ 120,935 | $ 37,000 |
| Jacksonville, NC | 31 | $ 3,589,000 | $ 115,774 | $ 59,000 |
| Lincoln, NE | 31 | $ 3,238,000 | $ 104,451 | $ 56,000 |
| Vero Beach, FL | 31 | $ 4,081,000 | $ 131,645 | $ 91,000 |
| Bridgeport-Stamford-Norwalk, CT | 29 | $ 6,476,000 | $ 223,310 | $ 85,000 |
| Gainesville, FL | 29 | $ 3,503,000 | $ 120,793 | $ 58,000 |
| Ogden-Clearfield, UT | 29 | $ 4,593,000 | $ 158,379 | $ 53,000 |
| Louisville, KY-IN | 28 | $ 3,744,000 | $ 133,714 | $ 53,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 26 | $ 3,527,000 | $ 135,653 | $ 67,000 |
| Greeley, CO | 26 | $ 5,110,000 | $ 196,538 | $ 57,000 |
| Visalia-Porterville, CA | 26 | $ 4,080,000 | $ 156,923 | $ 63,000 |
| Bakersfield, CA | 25 | $ 4,889,000 | $ 195,560 | $ 80,000 |
| Gainesville, GA | 25 | $ 3,554,000 | $ 142,160 | $ 38,000 |
| Idaho Falls, ID | 25 | $ 2,894,000 | $ 115,760 | $ 52,000 |
| Joplin, MO | 25 | $ 1,920,000 | $ 76,800 | $ 34,000 |
| Mobile, AL | 25 | $ 2,479,000 | $ 99,160 | $ 68,000 |
| Knoxville, TN | 24 | $ 3,185,000 | $ 132,708 | $ 51,000 |
| Springfield, MA | 24 | $ 3,581,000 | $ 149,208 | $ 52,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 23 | $ 2,958,000 | $ 128,608 | $ 65,000 |
| Provo-Orem, UT | 23 | $ 3,290,000 | $ 143,043 | $ 54,000 |
| Wilmington, NC | 23 | $ 5,973,000 | $ 259,695 | $ 108,000 |
| Billings, MT | 22 | $ 2,833,000 | $ 128,772 | $ 43,000 |
| Naples-Marco Island, FL | 22 | $ 4,820,000 | $ 219,090 | $ 58,000 |
| Pittsburgh, PA | 22 | $ 2,719,000 | $ 123,590 | $ 55,000 |
| Goldsboro, NC | 21 | $ 2,074,000 | $ 98,761 | $ 50,000 |
| Oklahoma City, OK | 21 | $ 2,171,000 | $ 103,380 | $ 78,000 |
| Palm Bay-Melbourne-Titusville, FL | 21 | $ 3,074,000 | $ 146,380 | $ 52,000 |
| Port St. Lucie-Fort Pierce, FL | 21 | $ 3,327,000 | $ 158,428 | $ 53,000 |
| Alexandria, LA | 20 | $ 1,869,000 | $ 93,450 | $ 110,000 |
| Bismarck, ND | 20 | $ 2,233,000 | $ 111,650 | $ 57,000 |
| Columbia, MO | 20 | $ 2,117,000 | $ 105,850 | $ 45,000 |
| Lake Charles, LA | 20 | $ 1,742,000 | $ 87,100 | $ 58,000 |
| Madison, WI | 20 | $ 4,059,000 | $ 202,950 | $ 59,000 |
| Sarasota-Bradenton-Venice, FL | 20 | $ 3,725,000 | $ 186,250 | $ 59,000 |
| Warner Robins, GA | 20 | $ 2,657,000 | $ 132,850 | $ 45,000 |
| Wausau, WI | 20 | $ 1,865,000 | $ 93,250 | $ 42,000 |
| Austin-Round Rock, TX | 19 | $ 2,877,000 | $ 151,421 | $ 61,000 |
| Florence-Muscle Shoals, AL | 19 | $ 1,984,000 | $ 104,421 | $ 46,000 |
| Albany-Schenectady-Troy, NY | 18 | $ 2,632,000 | $ 146,222 | $ 53,000 |
| Auburn-Opelika, AL | 18 | $ 2,516,000 | $ 139,777 | $ 45,000 |
| Davenport-Moline-Rock Island, IA-IL | 18 | $ 1,435,000 | $ 79,722 | $ 42,000 |
| Omaha-Council Bluffs, NE-IA | 18 | $ 3,270,000 | $ 181,666 | $ 79,000 |
| Sandusky, OH | 18 | $ 2,273,000 | $ 126,277 | $ 78,000 |
| Sioux Falls, SD | 18 | $ 1,660,000 | $ 92,222 | $ 43,000 |
| Tacoma, WA | 18 | $ 3,332,000 | $ 185,111 | $ 88,000 |
| Greensboro-High Point, NC | 17 | $ 2,765,000 | $ 162,647 | $ 69,000 |
| South Bend-Mishawaka, IN-MI | 17 | $ 1,447,000 | $ 85,117 | $ 56,000 |
| Vallejo-Fairfield, CA | 17 | $ 4,963,000 | $ 291,941 | $ 71,000 |
| Barnstable Town, MA | 16 | $ 4,298,000 | $ 268,625 | $ 67,000 |
| Colorado Springs, CO | 16 | $ 2,930,000 | $ 183,125 | $ 69,000 |
| Gadsden, AL | 16 | $ 1,189,000 | $ 74,312 | $ 41,000 |
| Norwich-New London, CT | 16 | $ 2,465,000 | $ 154,062 | $ 45,000 |
| Stockton, CA | 16 | $ 3,644,000 | $ 227,750 | $ 68,000 |
| Topeka, KS | 16 | $ 1,282,000 | $ 80,125 | $ 44,000 |
| Chico, CA | 15 | $ 2,486,000 | $ 165,733 | $ 60,000 |
| Rockingham County-Strafford County, NH | 15 | $ 3,308,000 | $ 220,533 | $ 65,000 |
| San Francisco-San Mateo-Redwood City, CA | 15 | $ 5,710,000 | $ 380,666 | $ 101,000 |
| San Luis Obispo-Paso Robles, CA | 15 | $ 3,915,000 | $ 261,000 | $ 110,000 |
| Wichita, KS | 15 | $ 1,808,000 | $ 120,533 | $ 51,000 |
| Bangor, ME | 14 | $ 1,789,000 | $ 127,785 | $ 44,000 |
| Decatur, AL | 14 | $ 1,663,000 | $ 118,785 | $ 86,000 |
| Dothan, AL | 14 | $ 1,622,000 | $ 115,857 | $ 45,000 |
| Fargo, ND-MN | 14 | $ 1,483,000 | $ 105,928 | $ 45,000 |
| Lakeland, FL | 14 | $ 1,512,000 | $ 108,000 | $ 31,000 |
| Laredo, TX | 14 | $ 1,557,000 | $ 111,214 | $ 63,000 |
| Little Rock-North Little Rock, AR | 14 | $ 1,509,000 | $ 107,785 | $ 45,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 14 | $ 3,017,000 | $ 215,500 | $ 107,000 |
| Rochester, MN | 14 | $ 1,618,000 | $ 115,571 | $ 38,000 |
| Rockford, IL | 14 | $ 2,047,000 | $ 146,214 | $ 62,000 |
| Spokane, WA | 14 | $ 1,651,000 | $ 117,928 | $ 94,000 |
| Albany, GA | 13 | $ 1,274,000 | $ 98,000 | $ 51,000 |
| Columbus, GA-AL | 13 | $ 1,509,000 | $ 116,076 | $ 55,000 |
| Great Falls, MT | 13 | $ 1,199,000 | $ 92,230 | $ 59,000 |
| Lawrence, KS | 13 | $ 1,278,000 | $ 98,307 | $ 38,000 |
| Macon, GA | 13 | $ 808,000 | $ 62,153 | $ 64,000 |
| Reno-Sparks, NV | 13 | $ 2,899,000 | $ 223,000 | $ 70,000 |
| Sheboygan, WI | 13 | $ 1,384,000 | $ 106,461 | $ 42,000 |
| Winston-Salem, NC | 13 | $ 1,638,000 | $ 126,000 | $ 51,000 |
| Anderson, IN | 12 | $ 1,513,000 | $ 126,083 | $ 124,000 |
| Iowa City, IA | 12 | $ 1,379,000 | $ 114,916 | $ 43,000 |
| Lexington-Fayette, KY | 12 | $ 973,000 | $ 81,083 | $ 29,000 |
| Toledo, OH | 12 | $ 1,056,000 | $ 88,000 | $ 46,000 |
| Athens-Clarke County, GA | 11 | $ 1,725,000 | $ 156,818 | $ 33,000 |
| Eau Claire, WI | 11 | $ 1,337,000 | $ 121,545 | $ 42,000 |
| Kalamazoo-Portage, MI | 11 | $ 1,437,000 | $ 130,636 | $ 52,000 |
| Manchester-Nashua, NH | 11 | $ 1,933,000 | $ 175,727 | $ 65,000 |
| Tulsa, OK | 11 | $ 1,354,000 | $ 123,090 | $ 70,000 |
| Waco, TX | 11 | $ 962,000 | $ 87,454 | $ 56,000 |
| Asheville, NC | 10 | $ 1,440,000 | $ 144,000 | $ 74,000 |
| Danville, IL | 10 | $ 416,000 | $ 41,600 | $ 65,000 |
| Fort Wayne, IN | 10 | $ 915,000 | $ 91,500 | $ 35,000 |
| Grand Rapids-Wyoming, MI | 10 | $ 1,383,000 | $ 138,300 | $ 44,000 |
| Portland-Vancouver-Beaverton, OR-WA | 10 | $ 1,420,000 | $ 142,000 | $ 87,000 |
| Punta Gorda, FL | 10 | $ 1,508,000 | $ 150,800 | $ 42,000 |
| Rome, GA | 10 | $ 1,146,000 | $ 114,600 | $ 28,000 |
| Amarillo, TX | 9 | $ 688,000 | $ 76,444 | $ 42,000 |
| Boise City-Nampa, ID | 9 | $ 1,112,000 | $ 123,555 | $ 72,000 |
| Gulfport-Biloxi, MS | 9 | $ 849,000 | $ 94,333 | $ 33,000 |
| Madera, CA | 9 | $ 1,197,000 | $ 133,000 | $ 106,000 |
| Trenton-Ewing, NJ | 9 | $ 2,090,000 | $ 232,222 | $ 68,000 |
| Houma-Bayou Cane-Thibodaux, LA | 8 | $ 660,000 | $ 82,500 | $ 54,000 |
| Kankakee-Bradley, IL | 8 | $ 1,286,000 | $ 160,750 | $ 44,000 |
| Pueblo, CO | 8 | $ 765,000 | $ 95,625 | $ 53,000 |
| Roanoke, VA | 8 | $ 804,000 | $ 100,500 | $ 51,000 |
| Syracuse, NY | 8 | $ 551,000 | $ 68,875 | $ 55,000 |
| Tuscaloosa, AL | 8 | $ 933,000 | $ 116,625 | $ 46,000 |
| Waterloo-Cedar Falls, IA | 8 | $ 664,000 | $ 83,000 | $ 26,000 |
| Cedar Rapids, IA | 7 | $ 769,000 | $ 109,857 | $ 70,000 |
| Champaign-Urbana, IL | 7 | $ 754,000 | $ 107,714 | $ 51,000 |
| Clarksville, TN-KY | 7 | $ 1,068,000 | $ 152,571 | $ 55,000 |
| El Paso, TX | 7 | $ 878,000 | $ 125,428 | $ 73,000 |
| Flint, MI | 7 | $ 873,000 | $ 124,714 | $ 52,000 |
| Jackson, TN | 7 | $ 486,000 | $ 69,428 | $ 62,000 |
| Janesville, WI | 7 | $ 619,000 | $ 88,428 | $ 44,000 |
| Killeen-Temple-Fort Hood, TX | 7 | $ 860,000 | $ 122,857 | $ 77,000 |
| Lansing-East Lansing, MI | 7 | $ 880,000 | $ 125,714 | $ 42,000 |
| Modesto, CA | 7 | $ 1,532,000 | $ 218,857 | $ 115,000 |
| Monroe, MI | 7 | $ 913,000 | $ 130,428 | $ 111,000 |
| St. George, UT | 7 | $ 1,327,000 | $ 189,571 | $ 41,000 |
| Tucson, AZ | 7 | $ 958,000 | $ 136,857 | $ 38,000 |
| Youngstown-Warren-Boardman, OH-PA | 7 | $ 681,000 | $ 97,285 | $ 46,000 |
| Anniston-Oxford, AL | 6 | $ 1,405,000 | $ 234,166 | $ 76,000 |
| Bloomington, IN | 6 | $ 1,052,000 | $ 175,333 | $ 20,000 |
| Bloomington-Normal, IL | 6 | $ 482,000 | $ 80,333 | $ 38,000 |
| Charlottesville, VA | 6 | $ 1,034,000 | $ 172,333 | $ 63,000 |
| Des Moines, IA | 6 | $ 531,000 | $ 88,500 | $ 59,000 |
| Florence, SC | 6 | $ 766,000 | $ 127,666 | $ 47,000 |
| Hanford-Corcoran, CA | 6 | $ 992,000 | $ 165,333 | $ 128,000 |
| Hickory-Lenoir-Morganton, NC | 6 | $ 808,000 | $ 134,666 | $ 45,000 |
| Mansfield, OH | 6 | $ 436,000 | $ 72,666 | $ 26,000 |
| Ocala, FL | 6 | $ 577,000 | $ 96,166 | $ 65,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 6 | $ 1,556,000 | $ 259,333 | $ 54,000 |
| Parkersburg-Marietta, WV-OH | 6 | $ 561,000 | $ 93,500 | $ 55,000 |
| Pensacola-Ferry Pass-Brent, FL | 6 | $ 675,000 | $ 112,500 | $ 51,000 |
| Rochester, NY | 6 | $ 716,000 | $ 119,333 | $ 37,000 |
| Savannah, GA | 6 | $ 787,000 | $ 131,166 | $ 62,000 |
| Spartanburg, SC | 6 | $ 486,000 | $ 81,000 | $ 34,000 |
| Springfield, OH | 6 | $ 582,000 | $ 97,000 | $ 56,000 |
| Vineland-Millville-Bridgeton, NJ | 6 | $ 652,000 | $ 108,666 | $ 29,000 |
| Winchester, VA-WV | 6 | $ 1,005,000 | $ 167,500 | $ 53,000 |
| Albuquerque, NM | 5 | $ 661,000 | $ 132,200 | $ 55,000 |
| Ames, IA | 5 | $ 405,000 | $ 81,000 | $ 50,000 |
| Burlington, NC | 5 | $ 603,000 | $ 120,600 | $ 51,000 |
| Dalton, GA | 5 | $ 840,000 | $ 168,000 | $ 58,000 |
| Glens Falls, NY | 5 | $ 469,000 | $ 93,800 | $ 27,000 |
| Jackson, MI | 5 | $ 558,000 | $ 111,600 | $ 38,000 |
| Jonesboro, AR | 5 | $ 623,000 | $ 124,600 | $ 58,000 |
| Kingston, NY | 5 | $ 1,511,000 | $ 302,200 | $ 35,000 |
| La Crosse, WI-MN | 5 | $ 332,000 | $ 66,400 | $ 82,000 |
| Medford, OR | 5 | $ 697,000 | $ 139,400 | $ 48,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 5 | $ 1,004,000 | $ 200,800 | $ 99,000 |
| Racine, WI | 5 | $ 980,000 | $ 196,000 | $ 87,000 |
| Rapid City, SD | 5 | $ 688,000 | $ 137,600 | $ 77,000 |
| San Antonio, TX | 5 | $ 588,000 | $ 117,600 | $ 52,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 5 | $ 1,305,000 | $ 261,000 | $ 63,000 |
| Scranton--Wilkes-Barre, PA | 5 | $ 425,000 | $ 85,000 | $ 52,000 |
| Tallahassee, FL | 5 | $ 843,000 | $ 168,600 | $ 54,000 |
| Altoona, PA | 4 | $ 449,000 | $ 112,250 | $ 56,000 |
| Anderson, SC | 4 | $ 368,000 | $ 92,000 | $ 56,000 |
| Battle Creek, MI | 4 | $ 356,000 | $ 89,000 | $ 30,000 |
| Bend, OR | 4 | $ 516,000 | $ 129,000 | $ 36,000 |
| Blacksburg-Christiansburg-Radford, VA | 4 | $ 541,000 | $ 135,250 | $ 21,000 |
| Coeur D'Alene, ID | 4 | $ 563,000 | $ 140,750 | $ 57,000 |
| Danville, VA | 4 | $ 442,000 | $ 110,500 | $ 36,000 |
| El Centro, CA | 4 | $ 506,000 | $ 126,500 | $ 48,000 |
| Eugene-Springfield, OR | 4 | $ 446,000 | $ 111,500 | $ 33,000 |
| Hinesville-Fort Stewart, GA | 4 | $ 384,000 | $ 96,000 | $ 45,000 |
| Jackson, MS | 4 | $ 368,000 | $ 92,000 | $ 27,000 |
| Jefferson City, MO | 4 | $ 513,000 | $ 128,250 | $ 47,000 |
| Johnstown, PA | 4 | $ 211,000 | $ 52,750 | $ 29,000 |
| Kokomo, IN | 4 | $ 407,000 | $ 101,750 | $ 66,000 |
| Lynchburg, VA | 4 | $ 551,000 | $ 137,750 | $ 276,000 |
| Merced, CA | 4 | $ 842,000 | $ 210,500 | $ 64,000 |
| Niles-Benton Harbor, MI | 4 | $ 629,000 | $ 157,250 | $ 86,000 |
| Ocean City, NJ | 4 | $ 713,000 | $ 178,250 | $ 118,000 |
| Pine Bluff, AR | 4 | $ 292,000 | $ 73,000 | $ 66,000 |
| Portland-South Portland-Biddeford, ME | 4 | $ 805,000 | $ 201,250 | $ 32,000 |
| Salinas, CA | 4 | $ 1,357,000 | $ 339,250 | $ 110,000 |
| Santa Rosa-Petaluma, CA | 4 | $ 937,000 | $ 234,250 | $ 99,000 |
| State College, PA | 4 | $ 440,000 | $ 110,000 | $ 34,000 |
| Terre Haute, IN | 4 | $ 245,000 | $ 61,250 | $ 23,000 |
| Wilmington, DE-MD-NJ | 4 | $ 490,000 | $ 122,500 | $ 50,000 |
| Appleton, WI | 3 | $ 296,000 | $ 98,666 | $ 46,000 |
| Beaumont-Port Arthur, TX | 3 | $ 152,000 | $ 50,666 | $ 38,000 |
| Brownsville-Harlingen, TX | 3 | $ 346,000 | $ 115,333 | $ 72,000 |
| Burlington-South Burlington, VT | 3 | $ 611,000 | $ 203,666 | $ 0 |
| Carson City, NV | 3 | $ 455,000 | $ 151,666 | $ 77,000 |
| Dubuque, IA | 3 | $ 134,000 | $ 44,666 | $ 63,000 |
| Fort Walton Beach-Crestview-Destin, FL | 3 | $ 370,000 | $ 123,333 | $ 50,000 |
| Grand Forks, ND-MN | 3 | $ 269,000 | $ 89,666 | $ 79,000 |
| Green Bay, WI | 3 | $ 234,000 | $ 78,000 | $ 44,000 |
| Harrisburg-Carlisle, PA | 3 | $ 271,000 | $ 90,333 | $ 35,000 |
| Hot Springs, AR | 3 | $ 255,000 | $ 85,000 | $ 38,000 |
| Kingsport-Bristol-Bristol, TN-VA | 3 | $ 255,000 | $ 85,000 | $ 31,000 |
| Longview, TX | 3 | $ 160,000 | $ 53,333 | $ 34,000 |
| Michigan City-La Porte, IN | 3 | $ 341,000 | $ 113,666 | $ 37,000 |
| Monroe, LA | 3 | $ 255,000 | $ 85,000 | $ 53,000 |
| Olympia, WA | 3 | $ 622,000 | $ 207,333 | $ 79,000 |
| Oshkosh-Neenah, WI | 3 | $ 716,000 | $ 238,666 | $ 47,000 |
| Rocky Mount, NC | 3 | $ 425,000 | $ 141,666 | $ 83,000 |
| Santa Cruz-Watsonville, CA | 3 | $ 1,008,000 | $ 336,000 | $ 85,000 |
| Sumter, SC | 3 | $ 329,000 | $ 109,666 | $ 35,000 |
| Valdosta, GA | 3 | $ 374,000 | $ 124,666 | $ 57,000 |
| Yuba City, CA | 3 | $ 545,000 | $ 181,666 | $ 64,000 |
| Bay City, MI | 2 | $ 300,000 | $ 150,000 | $ 27,000 |
| Columbus, IN | 2 | $ 165,000 | $ 82,500 | $ 37,000 |
| Cumberland, MD-WV | 2 | $ 215,000 | $ 107,500 | $ 28,000 |
| Elkhart-Goshen, IN | 2 | $ 192,000 | $ 96,000 | $ 0 |
| Evansville, IN-KY | 2 | $ 175,000 | $ 87,500 | $ 44,000 |
| Fort Smith, AR-OK | 2 | $ 185,000 | $ 92,500 | $ 59,000 |
| Harrisonburg, VA | 2 | $ 263,000 | $ 131,500 | $ 44,000 |
| Holland-Grand Haven, MI | 2 | $ 208,000 | $ 104,000 | $ 33,000 |
| Huntington-Ashland, WV-KY-OH | 2 | $ 212,000 | $ 106,000 | $ 56,000 |
| Johnson City, TN | 2 | $ 284,000 | $ 142,000 | $ 70,000 |
| Kennewick-Richland-Pasco, WA | 2 | $ 415,000 | $ 207,500 | $ 43,000 |
| Lafayette, IN | 2 | $ 194,000 | $ 97,000 | $ 29,000 |
| Lancaster, PA | 2 | $ 212,000 | $ 106,000 | $ 90,000 |
| Morristown, TN | 2 | $ 240,000 | $ 120,000 | $ 43,000 |
| Pascagoula, MS | 2 | $ 171,000 | $ 85,500 | $ 50,000 |
| Pittsfield, MA | 2 | $ 668,000 | $ 334,000 | $ 336,000 |
| Redding, CA | 2 | $ 250,000 | $ 125,000 | $ 56,000 |
| Saginaw-Saginaw Township North, MI | 2 | $ 230,000 | $ 115,000 | $ 50,000 |
| Salisbury, MD | 2 | $ 246,000 | $ 123,000 | $ 57,000 |
| Springfield, IL | 2 | $ 241,000 | $ 120,500 | $ 58,000 |
| Victoria, TX | 2 | $ 139,000 | $ 69,500 | $ 40,000 |
| Binghamton, NY | 1 | $ 77,000 | $ 77,000 | $ 0 |
| Bremerton-Silverdale, WA | 1 | $ 503,000 | $ 503,000 | $ 147,000 |
| Brunswick, GA | 1 | $ 81,000 | $ 81,000 | $ 99,000 |
| Charleston, WV | 1 | $ 263,000 | $ 263,000 | $ 120,000 |
| Cheyenne, WY | 1 | $ 103,000 | $ 103,000 | $ 75,000 |
| Cleveland, TN | 1 | $ 97,000 | $ 97,000 | $ 45,000 |
| College Station-Bryan, TX | 1 | $ 95,000 | $ 95,000 | $ 48,000 |
| Corpus Christi, TX | 1 | $ 92,000 | $ 92,000 | $ 61,000 |
| Decatur, IL | 1 | $ 34,000 | $ 34,000 | $ 15,000 |
| Erie, PA | 1 | $ 54,000 | $ 54,000 | $ 55,000 |
| Flagstaff, AZ | 1 | $ 263,000 | $ 263,000 | $ 0 |
| Fond Du Lac, WI | 1 | $ 143,000 | $ 143,000 | $ 0 |
| Grand Junction, CO | 1 | $ 125,000 | $ 125,000 | $ 43,000 |
| Greenville, NC | 1 | $ 56,000 | $ 56,000 | $ 33,000 |
| Hagerstown-Martinsburg, MD-WV | 1 | $ 109,000 | $ 109,000 | $ 190,000 |
| Ithaca, NY | 1 | $ 78,000 | $ 78,000 | $ 37,000 |
| Lebanon, PA | 1 | $ 320,000 | $ 320,000 | $ 0 |
| Lewiston, ID-WA | 1 | $ 122,000 | $ 122,000 | $ 42,000 |
| Lewiston-Auburn, ME | 1 | $ 128,000 | $ 128,000 | $ 56,000 |
| Logan, UT-ID | 1 | $ 49,000 | $ 49,000 | $ 26,000 |
| Longview, WA | 1 | $ 152,000 | $ 152,000 | $ 46,000 |
| Lubbock, TX | 1 | $ 63,000 | $ 63,000 | $ 48,000 |
| Mount Vernon-Anacortes, WA | 1 | $ 158,000 | $ 158,000 | $ 70,000 |
| Muncie, IN | 1 | $ 113,000 | $ 113,000 | $ 46,000 |
| Muskegon-Norton Shores, MI | 1 | $ 322,000 | $ 322,000 | $ 533,000 |
| Napa, CA | 1 | $ 40,000 | $ 40,000 | $ 20,000 |
| Panama City-Lynn Haven, FL | 1 | $ 75,000 | $ 75,000 | $ 48,000 |
| Pocatello, ID | 1 | $ 140,000 | $ 140,000 | $ 0 |
| Prescott, AZ | 1 | $ 103,000 | $ 103,000 | $ 0 |
| Salem, OR | 1 | $ 188,000 | $ 188,000 | $ 0 |
| Sherman-Denison, TX | 1 | $ 37,000 | $ 37,000 | $ 35,000 |
| Tyler, TX | 1 | $ 304,000 | $ 304,000 | $ 158,000 |
| Utica-Rome, NY | 1 | $ 59,000 | $ 59,000 | $ 50,000 |
| Wichita Falls, TX | 1 | $ 86,000 | $ 86,000 | $ 41,000 |
| Williamsport, PA | 1 | $ 71,000 | $ 71,000 | $ 54,000 |
| Yakima, WA | 1 | $ 104,000 | $ 104,000 | $ 144,000 |
Mortgage Loan Application Detail Totals for Netbank Fundings Services in 2004
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 | 9,535 | $1,430,600,000 | $151,897 | $1,133,000 | $60,265 | $3,158,000 |
| Refinancing | 7,852 | $1,346,006,000 | $154,469 | $1,000,000 | $59,306 | $932,000 |
| Home Improvement | 113 | $17,366,000 | $140,939 | $520,000 | $69,757 | $342,000 |
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 | 8,526 | $1,474,695,000 | $159,142 | $840,000 | $62,755 | $1,549,000 |
| White | 6,207 | $894,955,000 | $142,916 | $1,000,000 | $59,000 | $3,158,000 |
| Black or African American | 1,422 | $195,149,000 | $133,083 | $1,133,000 | $50,527 | $575,000 |
| Hispanic | 933 | $148,229,000 | $137,303 | $639,000 | $40,272 | $300,000 |
| Asian | 357 | $72,506,000 | $174,303 | $632,000 | $59,515 | $381,000 |
| American Indian or Alaskan Native | 31 | $4,759,000 | $135,785 | $420,000 | $56,214 | $256,000 |
| Native Hawaiian or Other Pacific Islander | 24 | $3,679,000 | $157,214 | $296,000 | $61,571 | $205,000 |
| 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) | 14,960 | $2,458,916,000 | $152,224 | $1,000,000 | $61,591 | $3,158,000 |
| FHA-insured (Federal Housing Administration) | 2,080 | $268,523,000 | $136,547 | $1,133,000 | $45,714 | $847,000 |
| VA-guaranteed (Veterans Administration) | 460 | $66,533,000 | $144,605 | $308,000 | $43,105 | $138,000 |
| 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 Purchased By The Institution | 7,814 | $1,362,857,000 | $161,163 | $840,000 | $64,714 | $1,549,000 |
| Loan Originated | 6,223 | $901,870,000 | $137,127 | $1,000,000 | $57,702 | $780,000 |
| File Closed For Incompleteness | 1,958 | $292,350,000 | $143,479 | $910,000 | $57,979 | $3,158,000 |
| Application Denied By Financial Institution | 1,119 | $176,065,000 | $153,613 | $975,000 | $52,363 | $575,000 |
| Application Approved But Not Accepted | 284 | $45,536,000 | $139,868 | $1,133,000 | $49,052 | $381,000 |
| Application Withdrawn By Applicant | 102 | $15,294,000 | $144,884 | $448,000 | $46,769 | $240,000 |
| 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 | 401 | $59,266,000 | $131,575 | $632,000 | $41,625 | $575,000 |
| Debt-To-Income Ratio | 310 | $50,760,000 | $168,536 | $975,000 | $52,609 | $420,000 |
| Collateral | 196 | $29,734,000 | $139,216 | $649,000 | $64,054 | $513,000 |
| Other | 89 | $15,748,000 | $173,357 | $501,000 | $40,642 | $256,000 |
| Employment History | 51 | $8,170,000 | $175,391 | $750,000 | $92,000 | $480,000 |
| Unverifiable Information | 41 | $7,241,000 | $194,050 | $449,000 | $88,850 | $523,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 23 | $3,835,000 | $173,545 | $500,000 | $58,272 | $180,000 |
| Credit Application Incomplete | 8 | $1,311,000 | $167,000 | $334,000 | $38,000 | $108,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Netbank Fundings Services's 2004 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.
For a list of all lenders in South Carolina, download the full spreadsheet
with aggregated HMDA statistics today.
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