Eagle National Bank Mortgage Lending & HMDA Data, 2010
In 2010, Eagle National Bank of Upper Darby, PA reported 1,442 mortgage applications totaling $243.0 million, down 37% from 2009. The average application was for $168,515, and applicants reported an average income of $79,209. 65% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Philadelphia, PA (143), Pittsburgh, PA (89) and Baltimore-Towson, MD (61) (applications in parentheses).
| Mortgage Company & Address | Eagle National Bank 8045 West Chester Pike Upper Darby, PA 19082 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,442 |
| Total Mortgage Loan Application Amount | $242,999,000 |
| Average Mortgage Loan Application Amount | $168,515 |
| Highest Mortgage Loan Application Amount | $1,056,000 |
| Average Applicant Income | $79,209 |
| Highest Applicant Income | $1,947,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Eagle National Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Detail Totals for Eagle National Bank in 2010
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 | 841 | $141,353,000 | $168,000 | $500,000 | $84,000 | $1,947,000 |
| Home Purchase | 574 | $98,786,000 | $172,000 | $1,056,000 | $73,000 | $498,000 |
| Home Improvement | 27 | $2,860,000 | $105,000 | $291,000 | $62,000 | $221,000 |
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 | 958 | $161,862,000 | $168,000 | $544,000 | $83,000 | $1,947,000 |
| Not Provided | 182 | $28,978,000 | $159,000 | $840,000 | $81,000 | $462,000 |
| Black or African American | 175 | $28,258,000 | $161,000 | $415,000 | $63,000 | $208,000 |
| Hispanic | 100 | $18,008,000 | $180,000 | $562,000 | $64,000 | $182,000 |
| Asian | 22 | $5,121,000 | $232,000 | $1,056,000 | $125,000 | $498,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $523,000 | $174,000 | $217,000 | $43,000 | $103,000 |
| American Indian or Alaskan Native | 2 | $249,000 | $124,000 | $141,000 | $35,000 | $71,000 |
| 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 |
|---|---|---|---|---|---|---|
| FHA-insured (Federal Housing Administration) | 761 | $123,635,000 | $162,000 | $564,000 | $64,000 | $306,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 629 | $108,967,000 | $173,000 | $1,056,000 | $99,000 | $1,947,000 |
| VA-guaranteed (Veterans Administration) | 52 | $10,397,000 | $199,000 | $460,000 | $65,000 | $257,000 |
| 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 | 933 | $157,113,000 | $168,000 | $1,056,000 | $84,000 | $1,947,000 |
| Application Approved But Not Accepted | 282 | $45,673,000 | $161,000 | $417,000 | $72,000 | $462,000 |
| Application Denied By Financial Institution | 139 | $24,704,000 | $177,000 | $460,000 | $67,000 | $378,000 |
| File Closed For Incompleteness | 62 | $10,142,000 | $163,000 | $482,000 | $71,000 | $342,000 |
| Application Withdrawn By Applicant | 26 | $5,367,000 | $206,000 | $437,000 | $86,000 | $225,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 67 | $12,710,000 | $189,000 | $417,000 | $52,000 | $133,000 |
| Collateral | 25 | $4,180,000 | $167,000 | $415,000 | $80,000 | $221,000 |
| Other | 24 | $4,100,000 | $170,000 | $460,000 | $97,000 | $378,000 |
| Unverifiable Information | 10 | $1,639,000 | $163,000 | $294,000 | $67,000 | $151,000 |
| Credit History | 5 | $612,000 | $122,000 | $153,000 | $53,000 | $71,000 |
| Employment History | 5 | $772,000 | $154,000 | $261,000 | $41,000 | $78,000 |
| Mortgage Insurance Denied | 2 | $510,000 | $255,000 | $264,000 | $145,000 | $219,000 |
| Credit Application Incomplete | 1 | $181,000 | $181,000 | $181,000 | $73,000 | $73,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Eagle National Bank's 2010 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 National Bank'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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