Netbank Fundings Services Mortgage Lending & HMDA Data, 2005
In 2005, Netbank Fundings Services of Columbia, SC reported 53,481 mortgage applications totaling $7.9 billion, up 206% from 2004. The average application was for $147,436, and applicants reported an average income of $63,197. 45% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Atlanta-Sandy Springs-Marietta, GA (3,285), Chicago-Naperville-Joliet, IL (2,126) and Minneapolis-St. Paul-Bloomington, MN-WI (1,905) (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 | 53,481 |
| Total Mortgage Loan Application Amount | $7,885,051,000 |
| Average Mortgage Loan Application Amount | $147,436 |
| Highest Mortgage Loan Application Amount | $1,000,000 |
| Average Applicant Income | $63,197 |
| Highest Applicant Income | $4,719,000 |
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records Netbank Fundings Services filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 3,285 | $ 453,482,000 | $ 138,046 | $ 56,000 |
| Chicago-Naperville-Joliet, IL | 2,126 | $ 350,641,000 | $ 164,929 | $ 72,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1,905 | $ 340,616,000 | $ 178,801 | $ 68,000 |
| St. Louis, MO-IL | 1,828 | $ 240,410,000 | $ 131,515 | $ 56,000 |
| Orlando, FL | 1,261 | $ 202,625,000 | $ 160,685 | $ 61,000 |
| Baltimore-Towson, MD | 1,021 | $ 165,535,000 | $ 162,130 | $ 76,000 |
| Birmingham-Hoover, AL | 937 | $ 95,832,000 | $ 102,275 | $ 51,000 |
| Jacksonville, FL | 933 | $ 129,544,000 | $ 138,846 | $ 59,000 |
| Miami-Miami Beach-Kendall, FL | 921 | $ 153,318,000 | $ 166,469 | $ 76,000 |
| Denver-Aurora, CO | 888 | $ 137,494,000 | $ 154,835 | $ 70,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 770 | $ 138,153,000 | $ 179,419 | $ 68,000 |
| Augusta-Richmond County, GA-SC | 694 | $ 72,259,000 | $ 104,119 | $ 52,000 |
| Kansas City, MO-KS | 647 | $ 64,862,000 | $ 100,250 | $ 59,000 |
| Fayetteville, NC | 625 | $ 69,785,000 | $ 111,656 | $ 48,000 |
| Cleveland-Elyria-Mentor, OH | 577 | $ 70,567,000 | $ 122,299 | $ 50,000 |
| Boston-Quincy, MA | 545 | $ 128,965,000 | $ 236,633 | $ 84,000 |
| Las Vegas-Paradise, NV | 537 | $ 103,496,000 | $ 192,729 | $ 65,000 |
| New York-Wayne-White Plains, NY-NJ | 525 | $ 152,855,000 | $ 291,152 | $ 79,000 |
| Tampa-St. Petersburg-Clearwater, FL | 523 | $ 76,586,000 | $ 146,435 | $ 58,000 |
| Los Angeles-Long Beach-Glendale, CA | 495 | $ 124,031,000 | $ 250,567 | $ 84,000 |
| Bethesda-Frederick-Gaithersburg, MD | 485 | $ 111,717,000 | $ 230,344 | $ 72,000 |
| Cambridge-Newton-Framingham, MA | 470 | $ 121,466,000 | $ 258,438 | $ 89,000 |
| Riverside-San Bernardino-Ontario, CA | 461 | $ 109,312,000 | $ 237,119 | $ 80,000 |
| Philadelphia, PA | 454 | $ 60,393,000 | $ 133,024 | $ 62,000 |
| Detroit-Livonia-Dearborn, MI | 453 | $ 54,413,000 | $ 120,116 | $ 58,000 |
| Phoenix-Mesa-Scottsdale, AZ | 449 | $ 83,170,000 | $ 185,233 | $ 61,000 |
| Columbus, OH | 443 | $ 60,619,000 | $ 136,837 | $ 64,000 |
| Memphis, TN-MS-AR | 433 | $ 47,619,000 | $ 109,974 | $ 53,000 |
| Lake County-Kenosha County, IL-WI | 403 | $ 67,381,000 | $ 167,198 | $ 61,000 |
| Warren-Farmington Hills-Troy, MI | 366 | $ 52,809,000 | $ 144,286 | $ 76,000 |
| Dallas-Plano-Irving, TX | 353 | $ 46,031,000 | $ 130,399 | $ 77,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 342 | $ 54,345,000 | $ 158,903 | $ 78,000 |
| Huntsville, AL | 331 | $ 35,874,000 | $ 108,380 | $ 63,000 |
| New Orleans-Metairie-Kenner, LA | 321 | $ 39,245,000 | $ 122,258 | $ 60,000 |
| Duluth, MN-WI | 288 | $ 40,996,000 | $ 142,347 | $ 60,000 |
| Houston-Baytown-Sugar Land, TX | 282 | $ 35,025,000 | $ 124,202 | $ 78,000 |
| Raleigh-Cary, NC | 256 | $ 33,821,000 | $ 132,113 | $ 75,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 255 | $ 50,972,000 | $ 199,890 | $ 67,000 |
| Cincinnati-Middletown, OH-KY-IN | 246 | $ 30,645,000 | $ 124,573 | $ 45,000 |
| Santa Ana-Anaheim-Irvine, CA | 244 | $ 75,862,000 | $ 310,909 | $ 111,000 |
| Shreveport-Bossier City, LA | 242 | $ 21,393,000 | $ 88,400 | $ 47,000 |
| Essex County, MA | 238 | $ 56,562,000 | $ 237,655 | $ 75,000 |
| Providence-New Bedford-Fall River, RI-MA | 238 | $ 42,645,000 | $ 179,180 | $ 64,000 |
| Columbia, SC | 236 | $ 27,128,000 | $ 114,949 | $ 55,000 |
| Charlotte-Gastonia-Concord, NC-SC | 232 | $ 32,809,000 | $ 141,418 | $ 62,000 |
| Springfield, MO | 222 | $ 20,413,000 | $ 91,950 | $ 42,000 |
| Dayton, OH | 217 | $ 22,442,000 | $ 103,419 | $ 48,000 |
| York-Hanover, PA | 216 | $ 25,788,000 | $ 119,388 | $ 66,000 |
| Salt Lake City, UT | 214 | $ 29,476,000 | $ 137,738 | $ 57,000 |
| Indianapolis, IN | 211 | $ 21,783,000 | $ 103,236 | $ 55,000 |
| Milwaukee-Waukesha-West Allis, WI | 207 | $ 29,724,000 | $ 143,594 | $ 77,000 |
| Camden, NJ | 204 | $ 32,332,000 | $ 158,490 | $ 69,000 |
| Worcester, MA | 204 | $ 37,379,000 | $ 183,230 | $ 67,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 197 | $ 35,708,000 | $ 181,258 | $ 73,000 |
| Seattle-Bellevue-Everett, WA | 195 | $ 43,033,000 | $ 220,682 | $ 89,000 |
| Fresno, CA | 194 | $ 36,871,000 | $ 190,056 | $ 66,000 |
| Baton Rouge, LA | 187 | $ 23,126,000 | $ 123,668 | $ 68,000 |
| Edison, NJ | 177 | $ 39,510,000 | $ 223,220 | $ 91,000 |
| Lafayette, LA | 176 | $ 18,070,000 | $ 102,670 | $ 51,000 |
| Atlantic City, NJ | 168 | $ 27,231,000 | $ 162,089 | $ 57,000 |
| Durham, NC | 167 | $ 26,540,000 | $ 158,922 | $ 75,000 |
| Nashville-Davidson--Murfreesboro, TN | 167 | $ 20,652,000 | $ 123,664 | $ 61,000 |
| Hartford-West Hartford-East Hartford, CT | 145 | $ 22,392,000 | $ 154,427 | $ 58,000 |
| Boulder, CO | 143 | $ 28,184,000 | $ 197,090 | $ 87,000 |
| Nassau-Suffolk, NY | 143 | $ 39,085,000 | $ 273,321 | $ 77,000 |
| Jacksonville, NC | 141 | $ 17,155,000 | $ 121,666 | $ 58,000 |
| Fort Collins-Loveland, CO | 139 | $ 21,670,000 | $ 155,899 | $ 68,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 139 | $ 21,848,000 | $ 157,179 | $ 64,000 |
| Montgomery, AL | 137 | $ 11,684,000 | $ 85,284 | $ 55,000 |
| Columbia, MO | 133 | $ 12,839,000 | $ 96,533 | $ 63,000 |
| Peoria, IL | 129 | $ 8,735,000 | $ 67,713 | $ 42,000 |
| Florence-Muscle Shoals, AL | 124 | $ 9,813,000 | $ 79,137 | $ 47,000 |
| St. Cloud, MN | 122 | $ 17,837,000 | $ 146,204 | $ 57,000 |
| Colorado Springs, CO | 121 | $ 20,348,000 | $ 168,165 | $ 63,000 |
| Cape Coral-Fort Myers, FL | 118 | $ 21,629,000 | $ 183,296 | $ 91,000 |
| Fort Worth-Arlington, TX | 118 | $ 13,690,000 | $ 116,016 | $ 103,000 |
| Port St. Lucie-Fort Pierce, FL | 118 | $ 19,699,000 | $ 166,940 | $ 61,000 |
| Austin-Round Rock, TX | 115 | $ 16,141,000 | $ 140,356 | $ 51,000 |
| Gary, IN | 114 | $ 11,350,000 | $ 99,561 | $ 43,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 114 | $ 26,590,000 | $ 233,245 | $ 84,000 |
| Gainesville, GA | 113 | $ 14,771,000 | $ 130,716 | $ 44,000 |
| Greeley, CO | 113 | $ 17,129,000 | $ 151,584 | $ 63,000 |
| Akron, OH | 108 | $ 11,760,000 | $ 108,888 | $ 48,000 |
| Greenville, SC | 106 | $ 12,161,000 | $ 114,726 | $ 55,000 |
| Ogden-Clearfield, UT | 102 | $ 12,634,000 | $ 123,862 | $ 59,000 |
| Sioux Falls, SD | 102 | $ 9,576,000 | $ 93,882 | $ 58,000 |
| Richmond, VA | 101 | $ 16,704,000 | $ 165,386 | $ 56,000 |
| Canton-Massillon, OH | 100 | $ 11,236,000 | $ 112,360 | $ 44,000 |
| Newark-Union, NJ-PA | 100 | $ 25,003,000 | $ 250,030 | $ 90,000 |
| Auburn-Opelika, AL | 98 | $ 11,457,000 | $ 116,908 | $ 72,000 |
| Sarasota-Bradenton-Venice, FL | 98 | $ 19,401,000 | $ 197,969 | $ 73,000 |
| Mobile, AL | 93 | $ 9,202,000 | $ 98,946 | $ 52,000 |
| Louisville, KY-IN | 92 | $ 12,069,000 | $ 131,184 | $ 54,000 |
| Idaho Falls, ID | 88 | $ 9,510,000 | $ 108,068 | $ 70,000 |
| Palm Bay-Melbourne-Titusville, FL | 88 | $ 14,909,000 | $ 169,420 | $ 80,000 |
| Gainesville, FL | 86 | $ 9,041,000 | $ 105,127 | $ 61,000 |
| Pittsburgh, PA | 86 | $ 7,968,000 | $ 92,651 | $ 65,000 |
| Tacoma, WA | 86 | $ 15,263,000 | $ 177,476 | $ 63,000 |
| Charleston-North Charleston, SC | 84 | $ 11,448,000 | $ 136,285 | $ 53,000 |
| Lake Charles, LA | 84 | $ 7,465,000 | $ 88,869 | $ 65,000 |
| Alexandria, LA | 83 | $ 8,069,000 | $ 97,216 | $ 50,000 |
| Albany, GA | 80 | $ 7,531,000 | $ 94,137 | $ 55,000 |
| Albany-Schenectady-Troy, NY | 80 | $ 9,680,000 | $ 121,000 | $ 66,000 |
| Davenport-Moline-Rock Island, IA-IL | 77 | $ 6,837,000 | $ 88,792 | $ 69,000 |
| Lakeland, FL | 77 | $ 9,734,000 | $ 126,415 | $ 49,000 |
| Rockford, IL | 77 | $ 7,826,000 | $ 101,636 | $ 62,000 |
| Ann Arbor, MI | 75 | $ 11,221,000 | $ 149,613 | $ 94,000 |
| New Haven-Milford, CT | 74 | $ 12,902,000 | $ 174,351 | $ 64,000 |
| Visalia-Porterville, CA | 74 | $ 11,665,000 | $ 157,635 | $ 56,000 |
| Joplin, MO | 71 | $ 5,764,000 | $ 81,183 | $ 47,000 |
| Sandusky, OH | 70 | $ 7,906,000 | $ 112,942 | $ 79,000 |
| Bakersfield, CA | 68 | $ 11,262,000 | $ 165,617 | $ 108,000 |
| Knoxville, TN | 67 | $ 6,795,000 | $ 101,417 | $ 49,000 |
| Omaha-Council Bluffs, NE-IA | 67 | $ 7,222,000 | $ 107,791 | $ 75,000 |
| Billings, MT | 66 | $ 10,591,000 | $ 160,469 | $ 83,000 |
| Ocala, FL | 65 | $ 7,842,000 | $ 120,646 | $ 39,000 |
| Pensacola-Ferry Pass-Brent, FL | 65 | $ 8,059,000 | $ 123,984 | $ 70,000 |
| Springfield, MA | 65 | $ 8,318,000 | $ 127,969 | $ 54,000 |
| Macon, GA | 64 | $ 5,965,000 | $ 93,203 | $ 52,000 |
| Oklahoma City, OK | 64 | $ 6,166,000 | $ 96,343 | $ 51,000 |
| Bismarck, ND | 62 | $ 5,346,000 | $ 86,225 | $ 82,000 |
| Rochester, MN | 61 | $ 8,551,000 | $ 140,180 | $ 64,000 |
| Asheville, NC | 60 | $ 7,214,000 | $ 120,233 | $ 42,000 |
| Portland-Vancouver-Beaverton, OR-WA | 60 | $ 9,770,000 | $ 162,833 | $ 76,000 |
| Tulsa, OK | 59 | $ 5,473,000 | $ 92,762 | $ 57,000 |
| Eau Claire, WI | 57 | $ 5,991,000 | $ 105,105 | $ 53,000 |
| Warner Robins, GA | 57 | $ 4,982,000 | $ 87,403 | $ 55,000 |
| Trenton-Ewing, NJ | 56 | $ 9,599,000 | $ 171,410 | $ 85,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 55 | $ 6,117,000 | $ 111,218 | $ 48,000 |
| Bridgeport-Stamford-Norwalk, CT | 54 | $ 12,719,000 | $ 235,537 | $ 85,000 |
| Madison, WI | 54 | $ 8,652,000 | $ 160,222 | $ 52,000 |
| Pueblo, CO | 54 | $ 7,031,000 | $ 130,203 | $ 61,000 |
| Fargo, ND-MN | 53 | $ 5,913,000 | $ 111,566 | $ 51,000 |
| Bloomington-Normal, IL | 52 | $ 4,644,000 | $ 89,307 | $ 58,000 |
| Lincoln, NE | 52 | $ 4,416,000 | $ 84,923 | $ 62,000 |
| Oakland-Fremont-Hayward, CA | 52 | $ 14,783,000 | $ 284,288 | $ 133,000 |
| Battle Creek, MI | 51 | $ 4,079,000 | $ 79,980 | $ 73,000 |
| San Diego-Carlsbad-San Marcos, CA | 50 | $ 13,892,000 | $ 277,840 | $ 105,000 |
| Spokane, WA | 50 | $ 5,639,000 | $ 112,780 | $ 87,000 |
| Wilmington, NC | 50 | $ 8,538,000 | $ 170,760 | $ 84,000 |
| Danville, IL | 49 | $ 3,250,000 | $ 66,326 | $ 45,000 |
| Waco, TX | 49 | $ 4,882,000 | $ 99,632 | $ 50,000 |
| Wausau, WI | 49 | $ 4,279,000 | $ 87,326 | $ 42,000 |
| Dothan, AL | 47 | $ 5,084,000 | $ 108,170 | $ 45,000 |
| Appleton, WI | 44 | $ 4,244,000 | $ 96,454 | $ 54,000 |
| Barnstable Town, MA | 44 | $ 10,114,000 | $ 229,863 | $ 56,000 |
| Naples-Marco Island, FL | 44 | $ 9,166,000 | $ 208,318 | $ 125,000 |
| Chico, CA | 43 | $ 8,589,000 | $ 199,744 | $ 72,000 |
| Decatur, AL | 43 | $ 4,559,000 | $ 106,023 | $ 43,000 |
| Provo-Orem, UT | 43 | $ 5,382,000 | $ 125,162 | $ 54,000 |
| Greensboro-High Point, NC | 42 | $ 4,580,000 | $ 109,047 | $ 53,000 |
| Lexington-Fayette, KY | 42 | $ 4,715,000 | $ 112,261 | $ 57,000 |
| Chattanooga, TN-GA | 40 | $ 4,024,000 | $ 100,600 | $ 50,000 |
| Lawrence, KS | 40 | $ 4,330,000 | $ 108,250 | $ 57,000 |
| Manchester-Nashua, NH | 39 | $ 6,667,000 | $ 170,948 | $ 87,000 |
| Rockingham County-Strafford County, NH | 39 | $ 7,225,000 | $ 185,256 | $ 88,000 |
| San Antonio, TX | 38 | $ 4,482,000 | $ 117,947 | $ 77,000 |
| Goldsboro, NC | 36 | $ 4,269,000 | $ 118,583 | $ 50,000 |
| Norwich-New London, CT | 36 | $ 6,799,000 | $ 188,861 | $ 59,000 |
| Winston-Salem, NC | 36 | $ 3,294,000 | $ 91,500 | $ 43,000 |
| Little Rock-North Little Rock, AR | 35 | $ 3,865,000 | $ 110,428 | $ 60,000 |
| Reno-Sparks, NV | 35 | $ 7,758,000 | $ 221,657 | $ 81,000 |
| St. George, UT | 34 | $ 5,698,000 | $ 167,588 | $ 56,000 |
| Yakima, WA | 34 | $ 3,698,000 | $ 108,764 | $ 54,000 |
| Bangor, ME | 33 | $ 3,403,000 | $ 103,121 | $ 73,000 |
| Columbus, GA-AL | 33 | $ 3,942,000 | $ 119,454 | $ 60,000 |
| Kalamazoo-Portage, MI | 33 | $ 3,812,000 | $ 115,515 | $ 57,000 |
| Rome, GA | 33 | $ 4,907,000 | $ 148,696 | $ 59,000 |
| Anderson, IN | 32 | $ 2,643,000 | $ 82,593 | $ 51,000 |
| Grand Rapids-Wyoming, MI | 32 | $ 4,199,000 | $ 131,218 | $ 54,000 |
| Jackson, TN | 32 | $ 2,408,000 | $ 75,250 | $ 50,000 |
| Oshkosh-Neenah, WI | 32 | $ 3,375,000 | $ 105,468 | $ 56,000 |
| Spartanburg, SC | 32 | $ 3,400,000 | $ 106,250 | $ 42,000 |
| Gulfport-Biloxi, MS | 31 | $ 2,691,000 | $ 86,806 | $ 39,000 |
| Boise City-Nampa, ID | 30 | $ 4,012,000 | $ 133,733 | $ 85,000 |
| Tuscaloosa, AL | 30 | $ 3,362,000 | $ 112,066 | $ 54,000 |
| Hanford-Corcoran, CA | 29 | $ 4,903,000 | $ 169,068 | $ 84,000 |
| Janesville, WI | 29 | $ 2,895,000 | $ 99,827 | $ 60,000 |
| Laredo, TX | 29 | $ 3,235,000 | $ 111,551 | $ 61,000 |
| Sheboygan, WI | 29 | $ 2,679,000 | $ 92,379 | $ 43,000 |
| Tallahassee, FL | 29 | $ 4,079,000 | $ 140,655 | $ 57,000 |
| Fort Walton Beach-Crestview-Destin, FL | 28 | $ 4,237,000 | $ 151,321 | $ 75,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 28 | $ 5,842,000 | $ 208,642 | $ 77,000 |
| Topeka, KS | 28 | $ 2,045,000 | $ 73,035 | $ 52,000 |
| Kankakee-Bradley, IL | 27 | $ 2,647,000 | $ 98,037 | $ 58,000 |
| Jonesboro, AR | 26 | $ 2,168,000 | $ 83,384 | $ 52,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 26 | $ 8,066,000 | $ 310,230 | $ 91,000 |
| San Luis Obispo-Paso Robles, CA | 26 | $ 6,209,000 | $ 238,807 | $ 84,000 |
| Vero Beach, FL | 26 | $ 3,915,000 | $ 150,576 | $ 98,000 |
| Wichita, KS | 26 | $ 2,568,000 | $ 98,769 | $ 53,000 |
| Iowa City, IA | 25 | $ 2,021,000 | $ 80,840 | $ 62,000 |
| Waterloo-Cedar Falls, IA | 25 | $ 2,938,000 | $ 117,520 | $ 46,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 24 | $ 3,560,000 | $ 148,333 | $ 68,000 |
| Dubuque, IA | 24 | $ 2,224,000 | $ 92,666 | $ 44,000 |
| Flint, MI | 24 | $ 2,723,000 | $ 113,458 | $ 39,000 |
| Harrisburg-Carlisle, PA | 24 | $ 2,747,000 | $ 114,458 | $ 64,000 |
| Albuquerque, NM | 23 | $ 2,376,000 | $ 103,304 | $ 68,000 |
| Houma-Bayou Cane-Thibodaux, LA | 23 | $ 2,131,000 | $ 92,652 | $ 65,000 |
| Mansfield, OH | 23 | $ 2,089,000 | $ 90,826 | $ 33,000 |
| San Francisco-San Mateo-Redwood City, CA | 23 | $ 6,160,000 | $ 267,826 | $ 76,000 |
| Wilmington, DE-MD-NJ | 23 | $ 3,552,000 | $ 154,434 | $ 51,000 |
| Athens-Clarke County, GA | 22 | $ 3,161,000 | $ 143,681 | $ 60,000 |
| Bremerton-Silverdale, WA | 22 | $ 4,586,000 | $ 208,454 | $ 59,000 |
| Charlottesville, VA | 22 | $ 2,704,000 | $ 122,909 | $ 64,000 |
| Grand Junction, CO | 22 | $ 2,955,000 | $ 134,318 | $ 56,000 |
| Toledo, OH | 22 | $ 2,870,000 | $ 130,454 | $ 55,000 |
| Vallejo-Fairfield, CA | 22 | $ 7,464,000 | $ 339,272 | $ 95,000 |
| Vineland-Millville-Bridgeton, NJ | 22 | $ 2,352,000 | $ 106,909 | $ 48,000 |
| Brunswick, GA | 21 | $ 3,117,000 | $ 148,428 | $ 84,000 |
| Lansing-East Lansing, MI | 21 | $ 1,682,000 | $ 80,095 | $ 49,000 |
| Madera, CA | 21 | $ 4,285,000 | $ 204,047 | $ 77,000 |
| Saginaw-Saginaw Township North, MI | 21 | $ 2,190,000 | $ 104,285 | $ 51,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 21 | $ 4,801,000 | $ 228,619 | $ 118,000 |
| Bloomington, IN | 20 | $ 1,926,000 | $ 96,300 | $ 45,000 |
| Champaign-Urbana, IL | 20 | $ 2,414,000 | $ 120,700 | $ 52,000 |
| Monroe, LA | 20 | $ 1,818,000 | $ 90,900 | $ 44,000 |
| Savannah, GA | 20 | $ 3,428,000 | $ 171,400 | $ 76,000 |
| Springfield, OH | 20 | $ 1,997,000 | $ 99,850 | $ 41,000 |
| Sumter, SC | 20 | $ 1,972,000 | $ 98,600 | $ 55,000 |
| Anderson, SC | 19 | $ 2,580,000 | $ 135,789 | $ 54,000 |
| Brownsville-Harlingen, TX | 19 | $ 1,816,000 | $ 95,578 | $ 50,000 |
| Hagerstown-Martinsburg, MD-WV | 19 | $ 2,669,000 | $ 140,473 | $ 74,000 |
| Panama City-Lynn Haven, FL | 19 | $ 3,534,000 | $ 186,000 | $ 83,000 |
| Blacksburg-Christiansburg-Radford, VA | 18 | $ 2,200,000 | $ 122,222 | $ 49,000 |
| Glens Falls, NY | 18 | $ 2,067,000 | $ 114,833 | $ 38,000 |
| Modesto, CA | 18 | $ 3,611,000 | $ 200,611 | $ 78,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 18 | $ 4,188,000 | $ 232,666 | $ 74,000 |
| State College, PA | 18 | $ 2,861,000 | $ 158,944 | $ 53,000 |
| Amarillo, TX | 17 | $ 1,422,000 | $ 83,647 | $ 36,000 |
| Ames, IA | 17 | $ 1,338,000 | $ 78,705 | $ 43,000 |
| Anniston-Oxford, AL | 17 | $ 1,845,000 | $ 108,529 | $ 67,000 |
| Killeen-Temple-Fort Hood, TX | 17 | $ 2,047,000 | $ 120,411 | $ 47,000 |
| Ocean City, NJ | 17 | $ 4,458,000 | $ 262,235 | $ 84,000 |
| Punta Gorda, FL | 17 | $ 3,174,000 | $ 186,705 | $ 40,000 |
| Florence, SC | 16 | $ 1,536,000 | $ 96,000 | $ 30,000 |
| Jackson, MI | 16 | $ 1,901,000 | $ 118,812 | $ 54,000 |
| Stockton, CA | 16 | $ 3,634,000 | $ 227,125 | $ 78,000 |
| Tucson, AZ | 16 | $ 2,946,000 | $ 184,125 | $ 96,000 |
| Monroe, MI | 15 | $ 1,996,000 | $ 133,066 | $ 62,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 15 | $ 1,905,000 | $ 127,000 | $ 96,000 |
| Portland-South Portland-Biddeford, ME | 15 | $ 2,729,000 | $ 181,933 | $ 43,000 |
| Roanoke, VA | 15 | $ 1,864,000 | $ 124,266 | $ 50,000 |
| Burlington, NC | 14 | $ 1,278,000 | $ 91,285 | $ 54,000 |
| Fort Smith, AR-OK | 14 | $ 1,230,000 | $ 87,857 | $ 55,000 |
| Green Bay, WI | 14 | $ 1,291,000 | $ 92,214 | $ 54,000 |
| Greenville, NC | 14 | $ 1,162,000 | $ 83,000 | $ 144,000 |
| Jefferson City, MO | 14 | $ 1,854,000 | $ 132,428 | $ 81,000 |
| Dalton, GA | 13 | $ 1,427,000 | $ 109,769 | $ 42,000 |
| Hinesville-Fort Stewart, GA | 13 | $ 1,374,000 | $ 105,692 | $ 51,000 |
| Morristown, TN | 13 | $ 1,257,000 | $ 96,692 | $ 42,000 |
| Pittsfield, MA | 13 | $ 2,266,000 | $ 174,307 | $ 63,000 |
| South Bend-Mishawaka, IN-MI | 13 | $ 1,020,000 | $ 78,461 | $ 36,000 |
| Valdosta, GA | 13 | $ 1,714,000 | $ 131,846 | $ 59,000 |
| Beaumont-Port Arthur, TX | 12 | $ 694,000 | $ 57,833 | $ 61,000 |
| Coeur D'Alene, ID | 12 | $ 1,514,000 | $ 126,166 | $ 48,000 |
| Corpus Christi, TX | 12 | $ 1,356,000 | $ 113,000 | $ 54,000 |
| Des Moines, IA | 12 | $ 1,384,000 | $ 115,333 | $ 68,000 |
| Great Falls, MT | 12 | $ 1,232,000 | $ 102,666 | $ 43,000 |
| Pascagoula, MS | 12 | $ 889,000 | $ 74,083 | $ 45,000 |
| Rochester, NY | 12 | $ 1,006,000 | $ 83,833 | $ 74,000 |
| Syracuse, NY | 12 | $ 968,000 | $ 80,666 | $ 52,000 |
| Terre Haute, IN | 12 | $ 862,000 | $ 71,833 | $ 43,000 |
| Bowling Green, KY | 11 | $ 1,292,000 | $ 117,454 | $ 27,000 |
| Buffalo-Niagara Falls, NY | 11 | $ 1,188,000 | $ 108,000 | $ 71,000 |
| El Paso, TX | 11 | $ 1,253,000 | $ 113,909 | $ 47,000 |
| Reading, PA | 11 | $ 1,456,000 | $ 132,363 | $ 50,000 |
| Youngstown-Warren-Boardman, OH-PA | 11 | $ 789,000 | $ 71,727 | $ 44,000 |
| Cedar Rapids, IA | 10 | $ 1,369,000 | $ 136,900 | $ 66,000 |
| Prescott, AZ | 10 | $ 1,642,000 | $ 164,200 | $ 58,000 |
| Racine, WI | 10 | $ 965,000 | $ 96,500 | $ 41,000 |
| Rapid City, SD | 10 | $ 1,236,000 | $ 123,600 | $ 78,000 |
| Redding, CA | 10 | $ 1,718,000 | $ 171,800 | $ 53,000 |
| Salem, OR | 10 | $ 1,745,000 | $ 174,500 | $ 102,000 |
| Utica-Rome, NY | 10 | $ 856,000 | $ 85,600 | $ 42,000 |
| Bellingham, WA | 9 | $ 1,418,000 | $ 157,555 | $ 100,000 |
| Erie, PA | 9 | $ 1,079,000 | $ 119,888 | $ 66,000 |
| Longview, WA | 9 | $ 1,251,000 | $ 139,000 | $ 108,000 |
| Yuba City, CA | 9 | $ 1,931,000 | $ 214,555 | $ 89,000 |
| Burlington-South Burlington, VT | 8 | $ 1,397,000 | $ 174,625 | $ 0 |
| Cheyenne, WY | 8 | $ 670,000 | $ 83,750 | $ 83,000 |
| Dover, DE | 8 | $ 1,027,000 | $ 128,375 | $ 37,000 |
| Eugene-Springfield, OR | 8 | $ 1,019,000 | $ 127,375 | $ 64,000 |
| Hot Springs, AR | 8 | $ 698,000 | $ 87,250 | $ 67,000 |
| Jackson, MS | 8 | $ 759,000 | $ 94,875 | $ 62,000 |
| La Crosse, WI-MN | 8 | $ 931,000 | $ 116,375 | $ 66,000 |
| Longview, TX | 8 | $ 724,000 | $ 90,500 | $ 30,000 |
| Medford, OR | 8 | $ 1,338,000 | $ 167,250 | $ 40,000 |
| Victoria, TX | 8 | $ 598,000 | $ 74,750 | $ 66,000 |
| El Centro, CA | 7 | $ 1,551,000 | $ 221,571 | $ 56,000 |
| Gadsden, AL | 7 | $ 918,000 | $ 131,142 | $ 44,000 |
| Johnson City, TN | 7 | $ 703,000 | $ 100,428 | $ 41,000 |
| Muncie, IN | 7 | $ 500,000 | $ 71,428 | $ 73,000 |
| Salinas, CA | 7 | $ 2,520,000 | $ 360,000 | $ 433,000 |
| Santa Rosa-Petaluma, CA | 7 | $ 1,732,000 | $ 247,428 | $ 106,000 |
| Altoona, PA | 6 | $ 345,000 | $ 57,500 | $ 44,000 |
| Carson City, NV | 6 | $ 505,000 | $ 84,166 | $ 66,000 |
| Casper, WY | 6 | $ 714,000 | $ 119,000 | $ 42,000 |
| Cumberland, MD-WV | 6 | $ 444,000 | $ 74,000 | $ 45,000 |
| Danville, VA | 6 | $ 585,000 | $ 97,500 | $ 36,000 |
| Elkhart-Goshen, IN | 6 | $ 510,000 | $ 85,000 | $ 62,000 |
| Fort Wayne, IN | 6 | $ 511,000 | $ 85,166 | $ 24,000 |
| Hickory-Lenoir-Morganton, NC | 6 | $ 511,000 | $ 85,166 | $ 47,000 |
| Lewiston, ID-WA | 6 | $ 775,000 | $ 129,166 | $ 50,000 |
| Merced, CA | 6 | $ 1,334,000 | $ 222,333 | $ 66,000 |
| Michigan City-La Porte, IN | 6 | $ 522,000 | $ 87,000 | $ 68,000 |
| Olympia, WA | 6 | $ 714,000 | $ 119,000 | $ 95,000 |
| Rocky Mount, NC | 6 | $ 465,000 | $ 77,500 | $ 75,000 |
| Salisbury, MD | 6 | $ 801,000 | $ 133,500 | $ 46,000 |
| Scranton--Wilkes-Barre, PA | 6 | $ 328,000 | $ 54,666 | $ 42,000 |
| Tyler, TX | 6 | $ 714,000 | $ 119,000 | $ 59,000 |
| Bend, OR | 5 | $ 1,027,000 | $ 205,400 | $ 99,000 |
| Clarksville, TN-KY | 5 | $ 582,000 | $ 116,400 | $ 31,000 |
| Johnstown, PA | 5 | $ 275,000 | $ 55,000 | $ 109,000 |
| Kokomo, IN | 5 | $ 816,000 | $ 163,200 | $ 98,000 |
| Lafayette, IN | 5 | $ 567,000 | $ 113,400 | $ 52,000 |
| Lynchburg, VA | 5 | $ 482,000 | $ 96,400 | $ 45,000 |
| Mount Vernon-Anacortes, WA | 5 | $ 1,306,000 | $ 261,200 | $ 76,000 |
| Owensboro, KY | 5 | $ 315,000 | $ 63,000 | $ 29,000 |
| Pocatello, ID | 5 | $ 670,000 | $ 134,000 | $ 59,000 |
| Evansville, IN-KY | 4 | $ 355,000 | $ 88,750 | $ 22,000 |
| Flagstaff, AZ | 4 | $ 1,413,000 | $ 353,250 | $ 106,000 |
| Grand Forks, ND-MN | 4 | $ 290,000 | $ 72,500 | $ 86,000 |
| Harrisonburg, VA | 4 | $ 420,000 | $ 105,000 | $ 40,000 |
| Holland-Grand Haven, MI | 4 | $ 453,000 | $ 113,250 | $ 109,000 |
| Huntington-Ashland, WV-KY-OH | 4 | $ 389,000 | $ 97,250 | $ 43,000 |
| Lancaster, PA | 4 | $ 448,000 | $ 112,000 | $ 49,000 |
| Lewiston-Auburn, ME | 4 | $ 446,000 | $ 111,500 | $ 60,000 |
| Lubbock, TX | 4 | $ 415,000 | $ 103,750 | $ 55,000 |
| Sioux City, IA-NE-SD | 4 | $ 305,000 | $ 76,250 | $ 48,000 |
| Wichita Falls, TX | 4 | $ 197,000 | $ 49,250 | $ 73,000 |
| Winchester, VA-WV | 4 | $ 1,047,000 | $ 261,750 | $ 53,000 |
| Bay City, MI | 3 | $ 328,000 | $ 109,333 | $ 41,000 |
| College Station-Bryan, TX | 3 | $ 328,000 | $ 109,333 | $ 57,000 |
| Columbus, IN | 3 | $ 165,000 | $ 55,000 | $ 26,000 |
| Fond Du Lac, WI | 3 | $ 277,000 | $ 92,333 | $ 34,000 |
| Kingston, NY | 3 | $ 450,000 | $ 150,000 | $ 51,000 |
| Lebanon, PA | 3 | $ 256,000 | $ 85,333 | $ 119,000 |
| Midland, TX | 3 | $ 188,000 | $ 62,666 | $ 150,000 |
| Muskegon-Norton Shores, MI | 3 | $ 251,000 | $ 83,666 | $ 0 |
| Napa, CA | 3 | $ 946,000 | $ 315,333 | $ 177,000 |
| Niles-Benton Harbor, MI | 3 | $ 704,000 | $ 234,666 | $ 124,000 |
| Pine Bluff, AR | 3 | $ 297,000 | $ 99,000 | $ 48,000 |
| Santa Cruz-Watsonville, CA | 3 | $ 1,367,000 | $ 455,666 | $ 113,000 |
| St. Joseph, MO-KS | 3 | $ 367,000 | $ 122,333 | $ 59,000 |
| Binghamton, NY | 2 | $ 306,000 | $ 153,000 | $ 103,000 |
| Corvallis, OR | 2 | $ 233,000 | $ 116,500 | $ 0 |
| Elizabethtown, KY | 2 | $ 235,000 | $ 117,500 | $ 8,000 |
| Farmington, NM | 2 | $ 176,000 | $ 88,000 | $ 123,000 |
| Hattiesburg, MS | 2 | $ 129,000 | $ 64,500 | $ 23,000 |
| Kingsport-Bristol-Bristol, TN-VA | 2 | $ 196,000 | $ 98,000 | $ 30,000 |
| Lima, OH | 2 | $ 102,000 | $ 51,000 | $ 69,000 |
| McAllen-Edinburg-Pharr, TX | 2 | $ 151,000 | $ 75,500 | $ 23,000 |
| Missoula, MT | 2 | $ 644,000 | $ 322,000 | $ 80,000 |
| Odessa, TX | 2 | $ 68,000 | $ 34,000 | $ 28,000 |
| Parkersburg-Marietta, WV-OH | 2 | $ 110,000 | $ 55,000 | $ 37,000 |
| Springfield, IL | 2 | $ 363,000 | $ 181,500 | $ 66,000 |
| Weirton-Steubenville, WV-OH | 2 | $ 260,000 | $ 130,000 | $ 52,000 |
| Abilene, TX | 1 | $ 104,000 | $ 104,000 | $ 53,000 |
| Charleston, WV | 1 | $ 93,000 | $ 93,000 | $ 34,000 |
| Cleveland, TN | 1 | $ 103,000 | $ 103,000 | $ 51,000 |
| Kennewick-Richland-Pasco, WA | 1 | $ 125,000 | $ 125,000 | $ 132,000 |
| Las Cruces, NM | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Logan, UT-ID | 1 | $ 243,000 | $ 243,000 | $ 98,000 |
| Sherman-Denison, TX | 1 | $ 77,000 | $ 77,000 | $ 37,000 |
| Wenatchee, WA | 1 | $ 149,000 | $ 149,000 | $ 0 |
| Wheeling, WV-OH | 1 | $ 13,000 | $ 13,000 | $ 54,000 |
| Williamsport, PA | 1 | $ 49,000 | $ 49,000 | $ 0 |
| Yuma, AZ | 1 | $ 180,000 | $ 180,000 | $ 60,000 |
Mortgage Loan Application Detail Totals for Netbank Fundings Services in 2005
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 | 32,154 | $4,464,355,000 | $139,836 | $1,000,000 | $63,306 | $4,719,000 |
| Refinancing | 20,906 | $3,349,263,000 | $148,714 | $1,000,000 | $62,265 | $1,892,000 |
| Home Improvement | 421 | $71,433,000 | $144,631 | $664,000 | $69,289 | $444,000 |
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 | 23,531 | $3,307,562,000 | $140,306 | $1,000,000 | $64,897 | $2,035,000 |
| Not applicable | 17,322 | $2,616,652,000 | $149,673 | $995,000 | $63,326 | $4,719,000 |
| Black or African American | 4,950 | $682,316,000 | $138,150 | $936,000 | $55,200 | $608,000 |
| Hispanic | 3,869 | $638,656,000 | $140,478 | $878,000 | $56,652 | $1,892,000 |
| Not Provided | 2,211 | $334,230,000 | $139,755 | $650,000 | $61,469 | $1,080,000 |
| Asian | 1,374 | $272,002,000 | $174,268 | $880,000 | $82,609 | $1,000,000 |
| American Indian or Alaskan Native | 115 | $14,979,000 | $133,785 | $414,000 | $48,071 | $144,000 |
| Native Hawaiian or Other Pacific Islander | 109 | $18,654,000 | $152,458 | $650,000 | $71,875 | $540,000 |
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) | 45,972 | $6,943,477,000 | $143,653 | $1,000,000 | $65,040 | $2,500,000 |
| FHA-insured (Federal Housing Administration) | 5,819 | $693,317,000 | $134,933 | $609,000 | $50,333 | $900,000 |
| VA-guaranteed (Veterans Administration) | 1,690 | $248,257,000 | $149,390 | $356,000 | $50,731 | $4,719,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 24,180 | $3,460,067,000 | $137,877 | $1,000,000 | $62,591 | $2,035,000 |
| Loan Purchased By The Institution | 17,331 | $2,618,153,000 | $149,693 | $995,000 | $63,265 | $4,719,000 |
| File Closed For Incompleteness | 7,243 | $1,078,046,000 | $147,510 | $1,000,000 | $66,530 | $1,892,000 |
| Application Denied By Financial Institution | 3,514 | $541,793,000 | $143,408 | $1,000,000 | $62,489 | $1,147,000 |
| Application Approved But Not Accepted | 999 | $153,854,000 | $151,000 | $947,000 | $55,651 | $876,000 |
| Application Withdrawn By Applicant | 214 | $33,138,000 | $147,416 | $900,000 | $66,805 | $547,000 |
| 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 | 1,174 | $165,899,000 | $137,895 | $675,000 | $54,625 | $480,000 |
| Debt-To-Income Ratio | 935 | $147,515,000 | $130,844 | $1,000,000 | $54,511 | $1,147,000 |
| Collateral | 565 | $87,644,000 | $160,673 | $650,000 | $72,978 | $780,000 |
| Other | 325 | $58,105,000 | $158,540 | $843,000 | $73,135 | $504,000 |
| Employment History | 269 | $44,461,000 | $152,470 | $650,000 | $65,264 | $420,000 |
| Unverifiable Information | 170 | $26,295,000 | $153,612 | $650,000 | $92,064 | $1,080,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 41 | $6,555,000 | $154,125 | $650,000 | $63,312 | $174,000 |
| Credit Application Incomplete | 28 | $4,430,000 | $159,375 | $551,000 | $48,625 | $149,000 |
| Mortgage Insurance Denied | 7 | $889,000 | $122,800 | $200,000 | $65,800 | $240,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Netbank Fundings Services's 2005 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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