Eagle Bank & Trust Company Mortgage Lending & HMDA Data, 2004
In 2004, Eagle Bank & Trust Company of Little Rock, AR reported 46 mortgage applications totaling $3.5 million, up 12% from 2003. The average application was for $76,304, and applicants reported an average income of $55,173. 78% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Little Rock-North Little Rock, AR (43) and Hot Springs, AR (1).
| Mortgage Company & Address | Eagle Bank & Trust Company 650 S Shackleford , Suite 150 Little Rock, AR 72211 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 46 |
| Total Mortgage Loan Application Amount | $3,510,000 |
| Average Mortgage Loan Application Amount | $76,304 |
| Highest Mortgage Loan Application Amount | $1,028,000 |
| Average Applicant Income | $55,173 |
| Highest Applicant Income | $1,179,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Eagle Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Little Rock-North Little Rock, AR | 43 | $ 3,336,000 | $ 77,581 | $ 57,000 |
| Hot Springs, AR | 1 | $ 77,000 | $ 77,000 | $ 46,000 |
Mortgage Loan Application Detail Totals for Eagle Bank & Trust Company 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 Improvement | 17 | $376,000 | $22,000 | $80,000 | $65,000 | $1,179,000 |
| Home Purchase | 16 | $1,430,000 | $89,000 | $235,000 | $53,000 | $170,000 |
| Refinancing | 13 | $1,704,000 | $131,000 | $1,028,000 | $45,000 | $106,000 |
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 | 34 | $1,624,000 | $47,000 | $235,000 | $65,000 | $1,179,000 |
| Not applicable | 8 | $1,758,000 | $219,000 | $1,028,000 | $0 | $0 |
| Black or African American | 3 | $113,000 | $37,000 | $56,000 | $44,000 | $63,000 |
| American Indian or Alaskan Native | 1 | $15,000 | $15,000 | $15,000 | $63,000 | $63,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 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) | 46 | $3,510,000 | $76,000 | $1,028,000 | $54,000 | $1,179,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 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 | 36 | $2,894,000 | $80,000 | $1,028,000 | $60,000 | $1,179,000 |
| Application Withdrawn By Applicant | 7 | $530,000 | $75,000 | $160,000 | $53,000 | $96,000 |
| Application Denied By Financial Institution | 3 | $86,000 | $28,000 | $44,000 | $24,000 | $25,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Eagle Bank & Trust Company'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 Eagle Bank & Trust Company's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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with aggregated HMDA statistics today.
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