Eaglebank Mortgage Lending & HMDA Data, 2015
In 2015, Eaglebank of Silver Spring, MD reported 2,328 mortgage applications totaling $1.0 billion, up 46% from 2014. The average application was for $437,911, and applicants reported an average income of $144,408. 84% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Washington-Arlington-Alexandria, DC-VA-MD-WV (1,196), Silver Spring-Frederick-Rockville, MD (731) and Baltimore-Columbia-Towson, MD (216) (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 | 2,328 |
| Total Mortgage Loan Application Amount | $1,019,458,000 |
| Average Mortgage Loan Application Amount | $437,911 |
| Highest Mortgage Loan Application Amount | $10,271,000 |
| Average Applicant Income | $144,408 |
| Highest Applicant Income | $3,627,000 |
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Disclosure Act (HMDA) records Eaglebank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1,196 | $ 553,976,000 | $ 463,190 | $ 132,158 |
| Silver Spring-Frederick-Rockville, MD | 731 | $ 317,211,000 | $ 433,941 | $ 150,000 |
| Baltimore-Columbia-Towson, MD | 216 | $ 74,159,000 | $ 343,328 | $ 135,000 |
| Salisbury, MD-DE | 22 | $ 6,672,000 | $ 303,272 | $ 337,318 |
| Charlotte-Concord-Gastonia, NC-SC | 10 | $ 3,169,000 | $ 316,900 | $ 119,400 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 6 | $ 3,647,000 | $ 607,833 | $ 181,666 |
| Jacksonville, FL | 5 | $ 1,652,000 | $ 330,400 | $ 205,000 |
| Los Angeles-Long Beach-Glendale, CA | 5 | $ 1,937,000 | $ 387,400 | $ 178,000 |
| New York-Jersey City-White Plains, NY-NJ | 5 | $ 4,416,000 | $ 883,200 | $ 365,800 |
| Raleigh, NC | 5 | $ 1,138,000 | $ 227,600 | $ 130,000 |
| Dallas-Plano-Irving, TX | 4 | $ 1,388,000 | $ 347,000 | $ 72,000 |
| Richmond, VA | 4 | $ 1,418,000 | $ 354,500 | $ 135,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 4 | $ 959,000 | $ 239,750 | $ 153,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 3 | $ 1,835,000 | $ 611,666 | $ 819,000 |
| Miami-Miami Beach-Kendall, FL | 3 | $ 5,959,000 | $ 1,986,333 | $ 365,000 |
| Montgomery County-Bucks County-Chester County, PA | 3 | $ 977,000 | $ 325,666 | $ 178,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 3 | $ 772,000 | $ 257,333 | $ 168,333 |
| Nassau County-Suffolk County, NY | 3 | $ 1,044,000 | $ 348,000 | $ 159,000 |
| Newark, NJ-PA | 3 | $ 1,426,000 | $ 475,333 | $ 207,000 |
| North Port-Sarasota-Bradenton, FL | 3 | $ 820,000 | $ 273,333 | $ 260,000 |
| Tampa-St. Petersburg-Clearwater, FL | 3 | $ 505,000 | $ 168,333 | $ 147,000 |
| Wilmington, DE-MD-NJ | 3 | $ 942,000 | $ 314,000 | $ 137,000 |
| Winchester, VA-WV | 3 | $ 2,134,000 | $ 711,333 | $ 58,666 |
| Anaheim-Santa Ana-Irvine, CA | 2 | $ 686,000 | $ 343,000 | $ 84,000 |
| Austin-Round Rock, TX | 2 | $ 1,427,000 | $ 713,500 | $ 360,000 |
| Charlottesville, VA | 2 | $ 269,000 | $ 134,500 | $ 319,000 |
| Denver-Aurora-Lakewood, CO | 2 | $ 848,000 | $ 424,000 | $ 1,534,000 |
| Durham-Chapel Hill, NC | 2 | $ 289,000 | $ 144,500 | $ 101,000 |
| Hagerstown-Martinsburg, MD-WV | 2 | $ 569,000 | $ 284,500 | $ 112,000 |
| Phoenix-Mesa-Scottsdale, AZ | 2 | $ 529,000 | $ 264,500 | $ 178,000 |
| San Diego-Carlsbad, CA | 2 | $ 2,945,000 | $ 1,472,500 | $ 302,000 |
| Seattle-Bellevue-Everett, WA | 2 | $ 645,000 | $ 322,500 | $ 192,000 |
| Atlanta-Sandy Springs-Roswell, GA | 1 | $ 361,000 | $ 361,000 | $ 156,000 |
| Barnstable Town, MA | 1 | $ 405,000 | $ 405,000 | $ 289,000 |
| Boulder, CO | 1 | $ 405,000 | $ 405,000 | $ 211,000 |
| Cambridge-Newton-Framingham, MA | 1 | $ 221,000 | $ 221,000 | $ 200,000 |
| Camden, NJ | 1 | $ 230,000 | $ 230,000 | $ 95,000 |
| Canton-Massillon, OH | 1 | $ 180,000 | $ 180,000 | $ 79,000 |
| Charleston-North Charleston, SC | 1 | $ 320,000 | $ 320,000 | $ 102,000 |
| Chicago-Naperville-Arlington Heights, IL | 1 | $ 315,000 | $ 315,000 | $ 365,000 |
| Chico, CA | 1 | $ 416,000 | $ 416,000 | $ 182,000 |
| Cincinnati, OH-KY-IN | 1 | $ 146,000 | $ 146,000 | $ 54,000 |
| Columbus, GA-AL | 1 | $ 145,000 | $ 145,000 | $ 217,000 |
| Daphne-Fairhope-Foley, AL | 1 | $ 130,000 | $ 130,000 | $ 123,000 |
| Dover, DE | 1 | $ 151,000 | $ 151,000 | $ 0 |
| Fort Worth-Arlington, TX | 1 | $ 54,000 | $ 54,000 | $ 134,000 |
| Grand Junction, CO | 1 | $ 148,000 | $ 148,000 | $ 120,000 |
| Harrisburg-Carlisle, PA | 1 | $ 340,000 | $ 340,000 | $ 146,000 |
| Houma-Thibodaux, LA | 1 | $ 372,000 | $ 372,000 | $ 0 |
| Houston-The Woodlands-Sugar Land, TX | 1 | $ 413,000 | $ 413,000 | $ 120,000 |
| Huntsville, AL | 1 | $ 209,000 | $ 209,000 | $ 98,000 |
| Jacksonville, NC | 1 | $ 158,000 | $ 158,000 | $ 108,000 |
| Kansas City, MO-KS | 1 | $ 150,000 | $ 150,000 | $ 53,000 |
| Lakeland-Winter Haven, FL | 1 | $ 2,328,000 | $ 2,328,000 | $ 0 |
| Madison, WI | 1 | $ 397,000 | $ 397,000 | $ 131,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 187,000 | $ 187,000 | $ 70,000 |
| Norwich-New London, CT | 1 | $ 301,000 | $ 301,000 | $ 114,000 |
| Philadelphia, PA | 1 | $ 130,000 | $ 130,000 | $ 234,000 |
| Pittsburgh, PA | 1 | $ 642,000 | $ 642,000 | $ 131,000 |
| Prescott, AZ | 1 | $ 473,000 | $ 473,000 | $ 391,000 |
| Riverside-San Bernardino-Ontario, CA | 1 | $ 399,000 | $ 399,000 | $ 156,000 |
| Roanoke, VA | 1 | $ 417,000 | $ 417,000 | $ 301,000 |
| Rochester, MN | 1 | $ 197,000 | $ 197,000 | $ 316,000 |
| San Francisco-Redwood City-South San Francisco, CA | 1 | $ 626,000 | $ 626,000 | $ 194,000 |
| Springfield, MA | 1 | $ 336,000 | $ 336,000 | $ 114,000 |
| Tallahassee, FL | 1 | $ 380,000 | $ 380,000 | $ 140,000 |
| The Villages, FL | 1 | $ 306,000 | $ 306,000 | $ 87,000 |
| Urban Honolulu, HI | 1 | $ 150,000 | $ 150,000 | $ 101,000 |
| Wilmington, NC | 1 | $ 235,000 | $ 235,000 | $ 141,000 |
| Winston-Salem, NC | 1 | $ 293,000 | $ 293,000 | $ 48,000 |
Mortgage Loan Application Detail Totals for Eaglebank in 2015
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 | 1,129 | $481,592,000 | $426,000 | $5,000,000 | $153,000 | $1,808,000 |
| Home Purchase | 1,115 | $483,773,000 | $433,000 | $4,875,000 | $138,000 | $3,627,000 |
| Home Improvement | 84 | $54,093,000 | $643,000 | $10,271,000 | $114,000 | $494,000 |
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 | 1,028 | $431,701,000 | $419,000 | $5,000,000 | $171,000 | $3,627,000 |
| Not Provided | 489 | $212,397,000 | $434,000 | $1,958,000 | $186,000 | $2,940,000 |
| Asian | 317 | $126,405,000 | $398,000 | $1,760,000 | $145,000 | $1,380,000 |
| Not applicable | 305 | $182,081,000 | $596,000 | $10,271,000 | $0 | $0 |
| Black or African American | 118 | $43,268,000 | $366,000 | $1,124,000 | $144,000 | $3,284,000 |
| Hispanic | 67 | $22,196,000 | $331,000 | $625,000 | $94,000 | $283,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $479,000 | $239,000 | $344,000 | $83,000 | $109,000 |
| American Indian or Alaskan Native | 2 | $931,000 | $465,000 | $623,000 | $143,000 | $157,000 |
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) | 2,033 | $898,568,000 | $441,000 | $10,271,000 | $152,000 | $3,627,000 |
| FHA-insured (Federal Housing Administration) | 211 | $80,719,000 | $382,000 | $786,000 | $85,000 | $375,000 |
| VA-guaranteed (Veterans Administration) | 84 | $40,171,000 | $478,000 | $1,272,000 | $112,000 | $899,000 |
| 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 | 1,961 | $860,329,000 | $438,000 | $10,271,000 | $140,000 | $3,627,000 |
| Application Denied By Financial Institution | 256 | $110,119,000 | $430,000 | $1,760,000 | $153,000 | $1,808,000 |
| Application Withdrawn By Applicant | 70 | $32,682,000 | $466,000 | $2,487,000 | $241,000 | $2,940,000 |
| File Closed For Incompleteness | 19 | $8,477,000 | $446,000 | $1,760,000 | $183,000 | $898,000 |
| Application Approved But Not Accepted | 19 | $6,159,000 | $324,000 | $806,000 | $150,000 | $591,000 |
| Preapproval Denied by Financial Institution | 3 | $1,692,000 | $564,000 | $1,125,000 | $120,000 | $251,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 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 | 86 | $37,156,000 | $432,000 | $1,760,000 | $183,000 | $1,808,000 |
| Debt-To-Income Ratio | 67 | $30,097,000 | $449,000 | $1,760,000 | $112,000 | $810,000 |
| Credit History | 42 | $17,412,000 | $414,000 | $1,448,000 | $160,000 | $601,000 |
| Credit Application Incomplete | 28 | $12,855,000 | $459,000 | $1,030,000 | $178,000 | $563,000 |
| Other | 22 | $8,891,000 | $404,000 | $1,480,000 | $110,000 | $251,000 |
| Unverifiable Information | 4 | $1,535,000 | $383,000 | $626,000 | $198,000 | $318,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $1,521,000 | $380,000 | $422,000 | $45,000 | $118,000 |
| Employment History | 2 | $937,000 | $468,000 | $550,000 | $321,000 | $495,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Eaglebank's 2015 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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