Eaglebank Mortgage Lending & HMDA Data, 2019
In 2019, Eaglebank of Silver Spring, MD reported 2,026 mortgage applications totaling $1.2 billion, up 33% from 2018. The average application was for $578,514, and applicants reported an average income of $168,504. 80% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Washington-Arlington-Alexandria, DC-VA-MD-WV (1,089), Washington-Baltimore-Arlington, DC (539) and Baltimore-Columbia-Towson, MD (174) (applications in parentheses).
| Mortgage Company & Address | Eaglebank 11931 Tech Rd Silver Spring, MD 20904 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 2,026 |
| Total Mortgage Loan Application Amount | $1,172,070,000 |
| Average Mortgage Loan Application Amount | $578,514 |
| Highest Mortgage Loan Application Amount | $64,505,000 |
| Average Applicant Income | $168,504 |
| Highest Applicant Income | $5,166,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Eaglebank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Montgomery, Maryland | 490 | $ 307,100,000 | $ 626,734 | $ 186,000 |
| District of Columbia, District Of Columbia | 366 | $ 293,630,000 | $ 802,267 | $ 217,000 |
| Fairfax, Virginia | 174 | $ 95,570,000 | $ 549,252 | $ 210,000 |
| Prince George's, Maryland | 139 | $ 43,125,000 | $ 310,251 | $ 90,000 |
| Prince William, Virginia | 102 | $ 32,500,000 | $ 318,627 | $ 86,000 |
| Loudoun, Virginia | 99 | $ 81,145,000 | $ 819,646 | $ 133,000 |
| Arlington, Virginia | 77 | $ 35,625,000 | $ 462,662 | $ 229,000 |
| Anne Arundel, Maryland | 56 | $ 71,720,000 | $ 1,280,714 | $ 192,000 |
| Howard, Maryland | 53 | $ 16,165,000 | $ 305,000 | $ 141,000 |
| Frederick, Maryland | 49 | $ 18,235,000 | $ 372,142 | $ 132,000 |
| Baltimore City, Maryland | 34 | $ 7,610,000 | $ 223,823 | $ 131,000 |
| Manassas, Virginia | 33 | $ 9,325,000 | $ 282,575 | $ 70,000 |
| Baltimore, Maryland | 25 | $ 6,475,000 | $ 259,000 | $ 129,000 |
| Alexandria, Virginia | 21 | $ 11,985,000 | $ 570,714 | $ 241,000 |
| Sussex, Delaware | 16 | $ 5,210,000 | $ 325,625 | $ 206,000 |
| Stafford, Virginia | 15 | $ 4,125,000 | $ 275,000 | $ 81,000 |
| Charles, Maryland | 12 | $ 3,840,000 | $ 320,000 | $ 88,000 |
| Fauquier, Virginia | 11 | $ 3,235,000 | $ 294,090 | $ 76,000 |
| Manassas Park, Virginia | 11 | $ 3,145,000 | $ 285,909 | $ 62,000 |
| Washington, Maryland | 9 | $ 3,965,000 | $ 440,555 | $ 92,000 |
| Worcester, Maryland | 9 | $ 2,255,000 | $ 250,555 | $ 234,000 |
| Frederick, Virginia | 9 | $ 1,955,000 | $ 217,222 | $ 43,000 |
| Orange, California | 6 | $ 4,270,000 | $ 711,666 | $ 310,000 |
| Palm Beach, Florida | 6 | $ 2,320,000 | $ 386,666 | $ 179,000 |
| Fairfax City, Virginia | 6 | $ 2,380,000 | $ 396,666 | $ 166,000 |
| Winchester, Virginia | 6 | $ 1,100,000 | $ 183,333 | $ 45,000 |
| Fulton, Georgia | 5 | $ 1,845,000 | $ 369,000 | $ 145,000 |
| Calvert, Maryland | 5 | $ 2,195,000 | $ 439,000 | $ 172,000 |
| Wake, North Carolina | 5 | $ 1,635,000 | $ 327,000 | $ 114,000 |
| Culpeper, Virginia | 5 | $ 1,555,000 | $ 311,000 | $ 78,000 |
| Spotsylvania, Virginia | 5 | $ 1,515,000 | $ 303,000 | $ 101,000 |
| Miami-Dade, Florida | 4 | $ 1,350,000 | $ 337,500 | $ 219,000 |
| St. Mary's, Maryland | 4 | $ 1,440,000 | $ 360,000 | $ 100,000 |
| Suffolk, New York | 4 | $ 2,090,000 | $ 522,500 | $ 178,000 |
| Falls Church, Virginia | 4 | $ 2,370,000 | $ 592,500 | $ 216,000 |
| Boulder, Colorado | 3 | $ 1,855,000 | $ 618,333 | $ 233,000 |
| Garfield, Colorado | 3 | $ 2,105,000 | $ 701,666 | $ 193,000 |
| Mesa, Colorado | 3 | $ 1,515,000 | $ 505,000 | $ 279,000 |
| Pinellas, Florida | 3 | $ 765,000 | $ 255,000 | $ 114,000 |
| Carroll, Maryland | 3 | $ 1,295,000 | $ 431,666 | $ 154,000 |
| Mecklenburg, North Carolina | 3 | $ 695,000 | $ 231,666 | $ 126,000 |
| Deschutes, Oregon | 3 | $ 1,065,000 | $ 355,000 | $ 226,000 |
| Montgomery, Pennsylvania | 3 | $ 615,000 | $ 205,000 | $ 73,000 |
| Collin, Texas | 3 | $ 875,000 | $ 291,666 | $ 149,000 |
| Travis, Texas | 3 | $ 2,375,000 | $ 791,666 | $ 322,000 |
| Henrico, Virginia | 3 | $ 1,335,000 | $ 445,000 | $ 104,000 |
| Virginia Beach, Virginia | 3 | $ 625,000 | $ 208,333 | $ 96,000 |
| Warren, Virginia | 3 | $ 605,000 | $ 201,666 | $ 107,000 |
| Los Angeles, California | 2 | $ 1,660,000 | $ 830,000 | $ 540,000 |
| Eagle, Colorado | 2 | $ 990,000 | $ 495,000 | $ 177,000 |
| Weld, Colorado | 2 | $ 570,000 | $ 285,000 | $ 53,000 |
| New Castle, Delaware | 2 | $ 610,000 | $ 305,000 | $ 132,000 |
| Orange, Florida | 2 | $ 390,000 | $ 195,000 | $ 118,000 |
| DeKalb, Georgia | 2 | $ 830,000 | $ 415,000 | $ 147,000 |
| Thomas, Georgia | 2 | $ 170,000 | $ 85,000 | $ 153,000 |
| Cook, Illinois | 2 | $ 690,000 | $ 345,000 | $ 152,000 |
| Madison, Indiana | 2 | $ 70,000 | $ 35,000 | $ 127,000 |
| Queen Anne's, Maryland | 2 | $ 600,000 | $ 300,000 | $ 89,000 |
| Talbot, Maryland | 2 | $ 920,000 | $ 460,000 | $ 398,000 |
| Middlesex, Massachusetts | 2 | $ 980,000 | $ 490,000 | $ 248,000 |
| Bergen, New Jersey | 2 | $ 810,000 | $ 405,000 | $ 100,000 |
| Morris, New Jersey | 2 | $ 960,000 | $ 480,000 | $ 172,000 |
| Santa Fe, New Mexico | 2 | $ 950,000 | $ 475,000 | $ 218,000 |
| Union, North Carolina | 2 | $ 540,000 | $ 270,000 | $ 148,000 |
| Adams, Pennsylvania | 2 | $ 910,000 | $ 455,000 | $ 119,000 |
| Chester, Pennsylvania | 2 | $ 920,000 | $ 460,000 | $ 89,000 |
| Dauphin, Pennsylvania | 2 | $ 5,440,000 | $ 2,720,000 | $ 80,000 |
| Pennington, South Dakota | 2 | $ 600,000 | $ 300,000 | $ 350,000 |
| Dallas, Texas | 2 | $ 1,130,000 | $ 565,000 | $ 234,000 |
| Denton, Texas | 2 | $ 650,000 | $ 325,000 | $ 75,000 |
| Accomack, Virginia | 2 | $ 340,000 | $ 170,000 | $ 220,000 |
| Louisa, Virginia | 2 | $ 290,000 | $ 145,000 | $ 144,000 |
| Orange, Virginia | 2 | $ 430,000 | $ 215,000 | $ 145,000 |
| Tuscaloosa, Alabama | 1 | $ 3,845,000 | $ 3,845,000 | $ 0 |
| Maricopa, Arizona | 1 | $ 355,000 | $ 355,000 | $ 840,000 |
| San Diego, California | 1 | $ 695,000 | $ 695,000 | $ 203,000 |
| Santa Barbara, California | 1 | $ 325,000 | $ 325,000 | $ 88,000 |
| Denver, Colorado | 1 | $ 495,000 | $ 495,000 | $ 203,000 |
| Douglas, Colorado | 1 | $ 605,000 | $ 605,000 | $ 164,000 |
| Jefferson, Colorado | 1 | $ 145,000 | $ 145,000 | $ 28,000 |
| La Plata, Colorado | 1 | $ 185,000 | $ 185,000 | $ 28,000 |
| Brevard, Florida | 1 | $ 435,000 | $ 435,000 | $ 0 |
| Collier, Florida | 1 | $ 595,000 | $ 595,000 | $ 179,000 |
| Duval, Florida | 1 | $ 295,000 | $ 295,000 | $ 161,000 |
| Hillsborough, Florida | 1 | $ 335,000 | $ 335,000 | $ 144,000 |
| Indian River, Florida | 1 | $ 305,000 | $ 305,000 | $ 138,000 |
| Lee, Florida | 1 | $ 135,000 | $ 135,000 | $ 72,000 |
| St. Johns, Florida | 1 | $ 425,000 | $ 425,000 | $ 175,000 |
| Volusia, Florida | 1 | $ 255,000 | $ 255,000 | $ 64,000 |
| Forsyth, Georgia | 1 | $ 315,000 | $ 315,000 | $ 239,000 |
| Gwinnett, Georgia | 1 | $ 205,000 | $ 205,000 | $ 211,000 |
| Hall, Georgia | 1 | $ 2,485,000 | $ 2,485,000 | $ 0 |
| Peoria, Illinois | 1 | $ 7,705,000 | $ 7,705,000 | $ 0 |
| Will, Illinois | 1 | $ 345,000 | $ 345,000 | $ 129,000 |
| LaPorte, Indiana | 1 | $ 65,000 | $ 65,000 | $ 70,000 |
| Marion, Indiana | 1 | $ 345,000 | $ 345,000 | $ 0 |
| Johnson, Kansas | 1 | $ 265,000 | $ 265,000 | $ 76,000 |
| Orleans, Louisiana | 1 | $ 335,000 | $ 335,000 | $ 252,000 |
| Dorchester, Maryland | 1 | $ 405,000 | $ 405,000 | $ 142,000 |
| Garrett, Maryland | 1 | $ 125,000 | $ 125,000 | $ 165,000 |
| Harford, Maryland | 1 | $ 285,000 | $ 285,000 | $ 147,000 |
| Hennepin, Minnesota | 1 | $ 325,000 | $ 325,000 | $ 260,000 |
| Jackson, Missouri | 1 | $ 395,000 | $ 395,000 | $ 175,000 |
| St. Louis City, Missouri | 1 | $ 225,000 | $ 225,000 | $ 62,000 |
| Clark, Nevada | 1 | $ 275,000 | $ 275,000 | $ 454,000 |
| Atlantic, New Jersey | 1 | $ 355,000 | $ 355,000 | $ 304,000 |
| Cape May, New Jersey | 1 | $ 425,000 | $ 425,000 | $ 272,000 |
| Hunterdon, New Jersey | 1 | $ 315,000 | $ 315,000 | $ 105,000 |
| Somerset, New Jersey | 1 | $ 815,000 | $ 815,000 | $ 262,000 |
| Delaware, New York | 1 | $ 145,000 | $ 145,000 | $ 62,000 |
| Queens, New York | 1 | $ 435,000 | $ 435,000 | $ 72,000 |
| Saratoga, New York | 1 | $ 525,000 | $ 525,000 | $ 155,000 |
| Currituck, North Carolina | 1 | $ 485,000 | $ 485,000 | $ 180,000 |
| Harnett, North Carolina | 1 | $ 255,000 | $ 255,000 | $ 70,000 |
| New Hanover, North Carolina | 1 | $ 345,000 | $ 345,000 | $ 87,000 |
| Orange, North Carolina | 1 | $ 205,000 | $ 205,000 | $ 149,000 |
| Lane, Oregon | 1 | $ 295,000 | $ 295,000 | $ 79,000 |
| Delaware, Pennsylvania | 1 | $ 305,000 | $ 305,000 | $ 232,000 |
| Franklin, Pennsylvania | 1 | $ 185,000 | $ 185,000 | $ 160,000 |
| Northampton, Pennsylvania | 1 | $ 275,000 | $ 275,000 | $ 132,000 |
| Philadelphia, Pennsylvania | 1 | $ 415,000 | $ 415,000 | $ 147,000 |
| York, Pennsylvania | 1 | $ 315,000 | $ 315,000 | $ 263,000 |
| Bristol, Rhode Island | 1 | $ 415,000 | $ 415,000 | $ 228,000 |
| Kent, Rhode Island | 1 | $ 305,000 | $ 305,000 | $ 124,000 |
| Washington, Rhode Island | 1 | $ 455,000 | $ 455,000 | $ 220,000 |
| Charleston, South Carolina | 1 | $ 735,000 | $ 735,000 | $ 481,000 |
| Wasatch, Utah | 1 | $ 665,000 | $ 665,000 | $ 0 |
| Hanover, Virginia | 1 | $ 85,000 | $ 85,000 | $ 150,000 |
| Richmond City, Virginia | 1 | $ 14,965,000 | $ 14,965,000 | $ 0 |
| Roanoke, Virginia | 1 | $ 165,000 | $ 165,000 | $ 65,000 |
| King, Washington | 1 | $ 775,000 | $ 775,000 | $ 250,000 |
| Hampshire, West Virginia | 1 | $ 225,000 | $ 225,000 | $ 322,000 |
| Jefferson, West Virginia | 1 | $ 145,000 | $ 145,000 | $ 83,000 |
| Polk, Wisconsin | 1 | $ 405,000 | $ 405,000 | $ 210,000 |
Mortgage Loan Application Detail Totals for Eaglebank in 2019
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 | 1,044 | $507,180,000 | $485,000 | $49,005,000 | $146,000 | $5,166,000 |
| Refinancing | 781 | $569,505,000 | $729,000 | $64,505,000 | $201,000 | $3,000,000 |
| Cash-out Refinancing | 153 | $62,975,000 | $411,000 | $2,485,000 | $162,000 | $848,000 |
| Home Improvement | 48 | $32,410,000 | $675,000 | $6,505,000 | $150,000 | $340,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 832 | $400,490,000 | $481,000 | $2,025,000 | $200,000 | $3,688,000 |
| Not Provided | 364 | $170,540,000 | $468,000 | $2,095,000 | $202,000 | $5,166,000 |
| Hispanic | 344 | $101,580,000 | $295,000 | $1,095,000 | $75,000 | $366,000 |
| Black or African American | 166 | $61,330,000 | $369,000 | $1,245,000 | $121,000 | $465,000 |
| Not applicable | 156 | $367,000,000 | $2,352,000 | $64,505,000 | $0 | $0 |
| Asian | 156 | $67,460,000 | $432,000 | $1,345,000 | $197,000 | $3,933,000 |
| American Indian or Alaskan Native | 6 | $2,630,000 | $438,000 | $1,155,000 | $107,000 | $243,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 1,631 | $1,030,225,000 | $631,000 | $64,505,000 | $193,000 | $5,166,000 |
| FHA-insured (Federal Housing Administration) | 336 | $112,870,000 | $335,000 | $5,285,000 | $75,000 | $346,000 |
| VA-guaranteed (Veterans Administration) | 58 | $28,720,000 | $495,000 | $1,075,000 | $113,000 | $960,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $255,000 | $255,000 | $255,000 | $70,000 | $70,000 |
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 | 1,618 | $989,220,000 | $611,000 | $64,505,000 | $165,000 | $5,166,000 |
| Application Withdrawn By Applicant | 260 | $117,360,000 | $451,000 | $1,965,000 | $201,000 | $3,688,000 |
| Application Denied By Financial Institution | 118 | $52,660,000 | $446,000 | $2,095,000 | $163,000 | $1,500,000 |
| File Closed For Incompleteness | 21 | $8,745,000 | $416,000 | $965,000 | $182,000 | $460,000 |
| Application Approved But Not Accepted | 7 | $2,695,000 | $385,000 | $855,000 | $155,000 | $475,000 |
| Preapproval Approved but not Accepted | 1 | $925,000 | $925,000 | $925,000 | $203,000 | $203,000 |
| Preapproval Denied by Financial Institution | 1 | $465,000 | $465,000 | $465,000 | $106,000 | $106,000 |
| Loan Purchased By The 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 |
|---|---|---|---|---|---|---|
| Not applicable | 1,907 | $1,118,945,000 | $586,000 | $64,505,000 | $170,000 | $5,166,000 |
| Collateral | 40 | $16,990,000 | $424,000 | $1,655,000 | $199,000 | $1,245,000 |
| Debt-To-Income Ratio | 36 | $17,020,000 | $472,000 | $2,025,000 | $103,000 | $614,000 |
| Credit Application Incomplete | 14 | $6,370,000 | $455,000 | $785,000 | $134,000 | $209,000 |
| Credit History | 12 | $5,790,000 | $482,000 | $2,095,000 | $233,000 | $1,500,000 |
| Other | 12 | $4,330,000 | $360,000 | $725,000 | $206,000 | $960,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $1,535,000 | $511,000 | $705,000 | $89,000 | $108,000 |
| Employment History | 2 | $1,090,000 | $545,000 | $725,000 | $88,000 | $100,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Eaglebank's 2019 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 Eaglebank'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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