Eaglebank Mortgage Lending & HMDA Data, 2016
In 2016, Eaglebank of Silver Spring, MD reported 2,535 mortgage applications totaling $1.2 billion, up 9% from 2015. The average application was for $476,793, and applicants reported an average income of $160,611. 84% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Washington-Arlington-Alexandria, DC-VA-MD-WV (1,290), Silver Spring-Frederick-Rockville, MD (767) and Baltimore-Columbia-Towson, MD (249) (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 | 2,535 |
| Total Mortgage Loan Application Amount | $1,208,671,000 |
| Average Mortgage Loan Application Amount | $476,793 |
| Highest Mortgage Loan Application Amount | $50,484,000 |
| Average Applicant Income | $160,611 |
| Highest Applicant Income | $9,075,000 |
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Disclosure Act (HMDA) records Eaglebank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,290 | $ 654,737,000 | $ 507,548 | $ 144,928 |
| Silver Spring-Frederick-Rockville, MD | 767 | $ 381,935,000 | $ 497,959 | $ 179,000 |
| Baltimore-Columbia-Towson, MD | 249 | $ 86,281,000 | $ 346,510 | $ 151,000 |
| Salisbury, MD-DE | 32 | $ 10,566,000 | $ 330,187 | $ 265,156 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 11 | $ 3,715,000 | $ 337,727 | $ 171,000 |
| Denver-Aurora-Lakewood, CO | 9 | $ 2,517,000 | $ 279,666 | $ 85,000 |
| Winchester, VA-WV | 9 | $ 1,642,000 | $ 182,444 | $ 154,000 |
| Charlotte-Concord-Gastonia, NC-SC | 8 | $ 2,620,000 | $ 327,500 | $ 167,000 |
| California-Lexington Park, MD | 5 | $ 8,127,000 | $ 1,625,400 | $ 106,000 |
| Hagerstown-Martinsburg, MD-WV | 5 | $ 2,865,000 | $ 573,000 | $ 178,600 |
| Houston-The Woodlands-Sugar Land, TX | 5 | $ 1,112,000 | $ 222,400 | $ 180,000 |
| Montgomery County-Bucks County-Chester County, PA | 5 | $ 1,750,000 | $ 350,000 | $ 126,000 |
| Phoenix-Mesa-Scottsdale, AZ | 5 | $ 2,329,000 | $ 465,800 | $ 176,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 5 | $ 2,187,000 | $ 437,400 | $ 115,000 |
| Miami-Miami Beach-Kendall, FL | 4 | $ 1,586,000 | $ 396,500 | $ 143,000 |
| Atlanta-Sandy Springs-Roswell, GA | 3 | $ 733,000 | $ 244,333 | $ 52,000 |
| Charlottesville, VA | 3 | $ 556,000 | $ 185,333 | $ 268,000 |
| Columbus, OH | 3 | $ 204,000 | $ 68,000 | $ 34,000 |
| Dallas-Plano-Irving, TX | 3 | $ 871,000 | $ 290,333 | $ 91,000 |
| Daphne-Fairhope-Foley, AL | 3 | $ 1,375,000 | $ 458,333 | $ 417,000 |
| New York-Jersey City-White Plains, NY-NJ | 3 | $ 1,318,000 | $ 439,333 | $ 176,000 |
| Oakland-Hayward-Berkeley, CA | 3 | $ 1,176,000 | $ 392,000 | $ 229,000 |
| Pittsburgh, PA | 3 | $ 886,000 | $ 295,333 | $ 101,000 |
| Raleigh, NC | 3 | $ 446,000 | $ 148,666 | $ 117,000 |
| Richmond, VA | 3 | $ 462,000 | $ 154,000 | $ 51,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 2 | $ 439,000 | $ 219,500 | $ 233,000 |
| Chambersburg-Waynesboro, PA | 2 | $ 624,000 | $ 312,000 | $ 148,000 |
| Chicago-Naperville-Arlington Heights, IL | 2 | $ 595,000 | $ 297,500 | $ 206,000 |
| Detroit-Dearborn-Livonia, MI | 2 | $ 744,000 | $ 372,000 | $ 111,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 2 | $ 696,000 | $ 348,000 | $ 100,000 |
| Las Vegas-Henderson-Paradise, NV | 2 | $ 582,000 | $ 291,000 | $ 77,000 |
| Los Angeles-Long Beach-Glendale, CA | 2 | $ 1,141,000 | $ 570,500 | $ 983,000 |
| Lynchburg, VA | 2 | $ 752,000 | $ 376,000 | $ 308,000 |
| Ocean City, NJ | 2 | $ 493,000 | $ 246,500 | $ 396,000 |
| Orlando-Kissimmee-Sanford, FL | 2 | $ 519,000 | $ 259,500 | $ 127,000 |
| Philadelphia, PA | 2 | $ 762,000 | $ 381,000 | $ 137,000 |
| Tampa-St. Petersburg-Clearwater, FL | 2 | $ 583,000 | $ 291,500 | $ 115,000 |
| Anchorage, AK | 1 | $ 327,000 | $ 327,000 | $ 111,000 |
| Ann Arbor, MI | 1 | $ 379,000 | $ 379,000 | $ 202,000 |
| Asheville, NC | 1 | $ 310,000 | $ 310,000 | $ 90,000 |
| Austin-Round Rock, TX | 1 | $ 270,000 | $ 270,000 | $ 181,000 |
| Blacksburg-Christiansburg-Radford, VA | 1 | $ 263,000 | $ 263,000 | $ 80,000 |
| Boulder, CO | 1 | $ 403,000 | $ 403,000 | $ 146,000 |
| Bridgeport-Stamford-Norwalk, CT | 1 | $ 395,000 | $ 395,000 | $ 96,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 515,000 | $ 515,000 | $ 476,000 |
| Charleston-North Charleston, SC | 1 | $ 716,000 | $ 716,000 | $ 324,000 |
| Chico, CA | 1 | $ 413,000 | $ 413,000 | $ 182,000 |
| Corpus Christi, TX | 1 | $ 240,000 | $ 240,000 | $ 305,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 840,000 | $ 840,000 | $ 48,000 |
| Durham-Chapel Hill, NC | 1 | $ 243,000 | $ 243,000 | $ 184,000 |
| East Stroudsburg, PA | 1 | $ 259,000 | $ 259,000 | $ 114,000 |
| Gary, IN | 1 | $ 285,000 | $ 285,000 | $ 79,000 |
| Gettysburg, PA | 1 | $ 140,000 | $ 140,000 | $ 240,000 |
| Grand Junction, CO | 1 | $ 320,000 | $ 320,000 | $ 0 |
| Hartford-West Hartford-East Hartford, CT | 1 | $ 266,000 | $ 266,000 | $ 288,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 1 | $ 417,000 | $ 417,000 | $ 318,000 |
| Jacksonville, FL | 1 | $ 100,000 | $ 100,000 | $ 77,000 |
| Lakeland-Winter Haven, FL | 1 | $ 255,000 | $ 255,000 | $ 100,000 |
| Lancaster, PA | 1 | $ 219,000 | $ 219,000 | $ 114,000 |
| Madison, WI | 1 | $ 388,000 | $ 388,000 | $ 136,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 83,000 | $ 83,000 | $ 155,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 1 | $ 102,000 | $ 102,000 | $ 75,000 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 396,000 | $ 396,000 | $ 151,000 |
| Nassau County-Suffolk County, NY | 1 | $ 394,000 | $ 394,000 | $ 199,000 |
| New Orleans-Metairie, LA | 1 | $ 204,000 | $ 204,000 | $ 108,000 |
| North Port-Sarasota-Bradenton, FL | 1 | $ 365,000 | $ 365,000 | $ 201,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 1 | $ 941,000 | $ 941,000 | $ 600,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 210,000 | $ 210,000 | $ 80,000 |
| Providence-Warwick, RI-MA | 1 | $ 305,000 | $ 305,000 | $ 111,000 |
| Riverside-San Bernardino-Ontario, CA | 1 | $ 127,000 | $ 127,000 | $ 76,000 |
| Santa Cruz-Watsonville, CA | 1 | $ 1,434,000 | $ 1,434,000 | $ 300,000 |
| Santa Maria-Santa Barbara, CA | 1 | $ 1,230,000 | $ 1,230,000 | $ 511,000 |
| Santa Rosa, CA | 1 | $ 380,000 | $ 380,000 | $ 81,000 |
| Savannah, GA | 1 | $ 326,000 | $ 326,000 | $ 53,000 |
| Spartanburg, SC | 1 | $ 170,000 | $ 170,000 | $ 257,000 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 350,000 | $ 350,000 | $ 111,000 |
| York-Hanover, PA | 1 | $ 230,000 | $ 230,000 | $ 100,000 |
Mortgage Loan Application Detail Totals for Eaglebank in 2016
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 | 1,212 | $593,562,000 | $489,000 | $50,484,000 | $167,000 | $1,741,000 |
| Home Purchase | 1,201 | $514,465,000 | $428,000 | $6,400,000 | $159,000 | $9,075,000 |
| Home Improvement | 122 | $100,644,000 | $824,000 | $36,000,000 | $113,000 | $610,000 |
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 | 1,224 | $517,577,000 | $422,000 | $5,680,000 | $198,000 | $9,075,000 |
| Not Provided | 408 | $186,487,000 | $457,000 | $2,700,000 | $188,000 | $1,551,000 |
| Asian | 307 | $122,865,000 | $400,000 | $1,725,000 | $158,000 | $1,194,000 |
| Not applicable | 233 | $264,022,000 | $1,133,000 | $50,484,000 | $0 | $0 |
| Hispanic | 232 | $70,445,000 | $303,000 | $636,000 | $97,000 | $713,000 |
| Black or African American | 118 | $42,410,000 | $359,000 | $1,440,000 | $122,000 | $452,000 |
| Native Hawaiin or Other Pacific Islander | 8 | $3,196,000 | $399,000 | $623,000 | $150,000 | $218,000 |
| American Indian or Alaskan Native | 5 | $1,669,000 | $333,000 | $510,000 | $128,000 | $212,000 |
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) | 2,182 | $1,077,101,000 | $493,000 | $50,484,000 | $174,000 | $9,075,000 |
| FHA-insured (Federal Housing Administration) | 247 | $80,166,000 | $324,000 | $636,000 | $76,000 | $461,000 |
| VA-guaranteed (Veterans Administration) | 105 | $50,894,000 | $484,000 | $1,434,000 | $76,000 | $414,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $510,000 | $510,000 | $510,000 | $210,000 | $210,000 |
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 | 2,118 | $1,029,021,000 | $485,000 | $50,484,000 | $159,000 | $9,075,000 |
| Application Denied By Financial Institution | 174 | $71,637,000 | $411,000 | $1,636,000 | $168,000 | $1,551,000 |
| Application Withdrawn By Applicant | 152 | $65,707,000 | $432,000 | $1,572,000 | $174,000 | $1,160,000 |
| Application Approved But Not Accepted | 58 | $25,705,000 | $443,000 | $3,632,000 | $140,000 | $388,000 |
| File Closed For Incompleteness | 33 | $16,601,000 | $503,000 | $1,290,000 | $163,000 | $535,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 65 | $23,912,000 | $367,000 | $1,636,000 | $196,000 | $1,194,000 |
| Debt-To-Income Ratio | 50 | $22,079,000 | $441,000 | $1,012,000 | $137,000 | $1,551,000 |
| Credit History | 20 | $9,150,000 | $457,000 | $1,365,000 | $165,000 | $840,000 |
| Credit Application Incomplete | 17 | $7,049,000 | $414,000 | $626,000 | $166,000 | $461,000 |
| Other | 12 | $4,203,000 | $350,000 | $728,000 | $128,000 | $294,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $3,653,000 | $608,000 | $940,000 | $241,000 | $509,000 |
| Unverifiable Information | 3 | $1,401,000 | $467,000 | $730,000 | $144,000 | $230,000 |
| Employment History | 1 | $190,000 | $190,000 | $190,000 | $52,000 | $52,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Eaglebank's 2016 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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