Name of the lender

Everbank N.A.Mortgage rates, total loan costs and denial rate, 2025

HMDA year2025

Years filed2018 to 2025

Head office: Jacksonville, FL
Reporting agency: Office of the Comptroller of the Currency (OCC)
Legal Entity Identifier (LEI)
Earlier names on its filings: Tiaa, FSB

Figures by state (CSV)

Everbank N.A. reported 354 mortgage applications in the HMDA data of 2025.

It originated 308 loans in 2025, for $1.1 billion in total.

This page shows no median interest rate for 2025: under 20 loans with a rate.

This page shows no median total loan costs, because fewer than 20 loans report the amount.

It denied 7.4% of the applications that it decided in 2025, and the national denial rate was 22.6%.

Filed figures of Everbank N.A., 2025
Figure	This lender	United States
Applications	354Under 0.1% of the US total	11,766,671
Loans originated	308$1.1 billion	6,827,891
Median interest rate	n/aWhy there is no median	6.375%
Median total loan costs	n/a	$6,413
Denial rate	7.4%	22.6%

HMDA data are generally not used alone to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions.
The words of the Consumer Financial Protection Bureau (CFPB). Source: Consumer Financial Protection Bureau, Summary of 2023 Data on Mortgage Lending (11 July 2024), copied on 2 Oct 2026. The figures on this page are from the HMDA data of 2025, the snapshot dataset.

Since the last update

No change on record

No tracked figure of this lender has changed since this site started its record. The record compares each update of the HMDA data with the update before it. The record of updates.

PricingMedians of 2025 loans

Median interest rate, 2025Not shown

A median needs 20 loans with a reported interest rate. No loan of the lender is in the loans that the medians use.

Medians are for originated closed-end loans with a first lien. Reverse mortgages, open-end lines of credit and loans for a business purpose are not in the medians.

Action takenHMDA codes and labels

Records of Everbank N.A. by the action taken, 2025
Action taken	Records	Share of records	US share
1Loan originated	308	37.4%	50.4%
2Application approved but not accepted	5	0.6%	3.1%
3Application denied	25	3.0%	15.6%
4Application withdrawn by applicant	16	1.9%	12.6%
5File closed for incompleteness	0	0.0%	5.1%
6Purchased loan	469	57.0%	11.7%
7Preapproval request denied	0	0.0%	0.4%
8Preapproval request approved but not accepted	0	0.0%	1.1%

The denial rate is code 3 divided by codes 1, 2 and 3: the applications that the lender decided. Codes 4 and 5 are applications with no decision. Code 6 is a loan that the lender bought.

Denial reasonsFirst reason coded

Denials of Everbank N.A. by the first reason that it coded, 2025
Denial reason	Denials	Share	US share
1Debt-to-income ratio	1	4.0%	32.7%
2Employment history	0	0.0%	0.9%
3Credit history	5	20.0%	25.6%
4Collateral	9	36.0%	13.8%
5Insufficient cash (downpayment, closing costs)	1	4.0%	2.3%
6Unverifiable information	0	0.0%	4.2%
7Credit application incomplete	9	36.0%	12.0%
8Mortgage insurance denied	0	0.0%	0.0%
9Other	0	0.0%	8.5%

A lender can code up to four reasons for a denial. This table counts the first reason only.

Loan types and purposesLoans of 2025

Applications of Everbank N.A. by loan type
Loan type	Applications	Loans originated	Denial rate
Conventional	350	305	7.2%US 23.4%
FHA-insured	4	3	n/aUS 21.8%

Applications of Everbank N.A. by loan purpose
Loan purpose	Applications	Loans originated	Share of loans
Home purchase	121	109	35.4%
Home improvement	0	0	0.0%
Refinancing	65	53	17.2%
Cash-out refinancing	167	145	47.1%
Other purpose	1	1	0.3%

The denial rate of a loan type is the denied applications divided by the decided applications of that type. It is "n/a" under 25 decided applications.

States where it lends2 states with 25 applications or more

Everbank N.A. by state, 2025In order of the names. A state with 100 applications or more links to the lender's page for the state.
State	Applications	Loans originated	Median interest rate	Median total loan costs	Denial rate
California	295	265	n/a	n/a	6.0%
Oregon	30	17	n/a	n/a	23.1%

Counties of Everbank N.A. with 50 applications or more, 2025In order of the names. The list has the 1 counties with the most loans of the lender.
County	Applications	Loans originated	Amount	Denial rate
Los Angeles County, CA	204	187	$597 million	5.5%

Figures by yearHMDA 2022 to 2025

Everbank N.A. by HMDA year"n/a" shows a year with fewer than 25 applications, or a year that this site does not process.
Year	Applications	Loans originated	Median interest rate	Median total loan costs	Denial rate	Records filed
2025	354	308	n/a	n/a	7.4%	823
2024	n/a	n/a	n/a	n/a	n/a	n/a
2023	n/a	n/a	n/a	n/a	n/a	n/a
2022	43	43	n/a	n/a	0.0%	4,742
2021	n/a	n/a	n/a	n/a	n/a	16,363
2020	n/a	n/a	n/a	n/a	n/a	32,652
2019	n/a	n/a	n/a	n/a	n/a	45,824
2018	n/a	n/a	n/a	n/a	n/a	50,904

Records filed is the count on the lender's HMDA transmittal sheet. It includes purchased loans and requests for preapproval.

Denial rate by year: Everbank N.A. and the United States

Everbank N.A.United States

VA lender statisticsLoans that VA guaranteed, by month

VA-guaranteed loans of EVERBANK, NA, Sep 2025 to Aug 2026National figures from the Department of Veterans Affairs. VA counts a loan in the month of the guarantee.
Month	All	Purchase	Cash-out refinance	IRRRL
August 2026	0	0	0	0
July 2026	0	0	0	0
June 2026	0	0	0	0
May 2026	0	0	0	0
April 2026	0	0	0	0
March 2026	0	0	0	0
February 2026	0	0	0	0
January 2026	0	0	0	0
December 2025	0	0	0	0
November 2025	0	0	0	0
October 2025	0	0	0	0
September 2025	0	0	0	0

IRRRL is the VA Interest Rate Reduction Refinance Loan. The VA name of the lender is "EVERBANK, NA". Every month.

Peer lenders12 lenders

These lenders originated a count of loans close to the count of this lender, in the same states. The site compares the applications of each lender by state. The list is not a ranking.

Arcstone Financial IncLos Angeles, CA
Coastal Funding SLC, Inc.San Luis Obispo, CA
Data Mortgage, IncOcala, FL
Flyhomes Mortgage LLCBellevue, WA
Noble Federal Credit UnionFresno, CA
Premier America Credit UnionChatsworth, CA
Redwood Residential Acquisition CorporationMill Valley, CA
ResMac IncWest Covina, CA
Rize Federal Credit UnionIrwindale, CA
Self Help Federal Credit UnionDurham, NC
Southland Credit UniomLos Alamitos, CA
The First Financial Federal Credit UnionPasadena, CA

Official channelsLinks checked 2 Oct 2026

HMDA Data Browser (FFIEC and CFPB)The HMDA records of this lender, with a CSV download.
Submit a complaint (Consumer Financial Protection Bureau)The CFPB form for a complaint about a mortgage or a lender.
Financial Institution Lists (Office of the Comptroller of the Currency)The OCC lists of the national banks and federal savings associations that it regulates.
BankFind Suite (Federal Deposit Insurance Corporation)The FDIC search for an insured bank: its status, its offices and its regulator.

Cite this page

Page: Lender Register, "Everbank N.A. mortgage rates, costs and denial rate, 2025", https://lenderregister.com/lender/5z1uq1cwy0dq3kjwdq07-everbank-n-a/
Lender: Everbank N.A., LEI 5Z1UQ1CWY0DQ3KJWDQ07
Source: Federal Financial Institutions Examination Council and Consumer Financial Protection Bureau, Home Mortgage Disclosure Act data, 2025, snapshot dataset
Data date: HMDA year 2025. Page made 2 Oct 2026.

Provenance

The figures come from the public HMDA loan/application register of 2022 to 2025. The count of records filed comes from the transmittal sheets of 2018 to 2025. The FFIEC and the CFPB publish them at ffiec.cfpb.gov. The name, the head office and the agency are from the newest transmittal sheet of the LEI. The VA figures are from the VA lender statistics.

This site withholds a figure with fewer than 25 applications and a median with fewer than 20 loans. Method of the figures. Terms. Report an error.

Questions

How many loans did Everbank N.A. buy from other lenders in 2025?: It reported 469 purchased loans. HMDA counts a purchased loan apart from the applications, so the denial rate does not include it.
Which denial reasons did Everbank N.A. code most often in 2025?: The first reasons that it coded most often were collateral (9), credit application incomplete (9) and credit history (5).
In which states did Everbank N.A. originate the most loans in 2025?: The three states with the most loans were California (265) and Oregon (17). It had 25 applications or more in 2 states.
Which loan types did Everbank N.A. originate in 2025?: 305 conventional and 3 FHA.