Eastern Savings Bank, FSB Mortgage Lending & HMDA Data, 2004

In 2004, Eastern Savings Bank, FSB of Hunt Valley, MD reported 5,569 mortgage applications totaling $2.0 billion, down 1% from 2003. The average application was for $368,064, and applicants reported an average income of $146,242. 18% of its applications resulted in an originated loan and 13% were denied. Its largest markets were New York-Wayne-White Plains, NY-NJ (382), Chicago-Naperville-Joliet, IL (283) and Baltimore-Towson, MD (273) (applications in parentheses).

Mortgage Company & Address Eastern Savings Bank, FSB
Exec Plaza II - 11350 McCormick Rd
Hunt Valley, MD 21031
Tel #: available with data download
Federal Regulator * available with data download
Years 2010  2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 5,569
Total Mortgage Loan Application Amount $2,049,749,000
Average Mortgage Loan Application Amount $368,064
Highest Mortgage Loan Application Amount $10,780,000
Average Applicant Income $146,242
Highest Applicant Income $9,999,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Eastern Savings Bank, FSB filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Totals for Eastern Savings Bank, FSB by County in 2004

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Cook, Illinois 223 $ 48,246,000 $ 216,349 $ 81,000
Prince George's, Maryland 200 $ 39,427,000 $ 197,135 $ 68,000
Suffolk, New York 151 $ 56,415,000 $ 373,609 $ 119,000
Los Angeles, California 141 $ 104,806,000 $ 743,304 $ 360,000
Broward, Florida 120 $ 41,555,000 $ 346,291 $ 203,000
Kings, New York 118 $ 46,593,000 $ 394,855 $ 133,000
Middlesex, Massachusetts 112 $ 36,335,000 $ 324,419 $ 143,000
Palm Beach, Florida 105 $ 63,017,000 $ 600,161 $ 788,000
Miami-Dade, Florida 101 $ 79,231,000 $ 784,465 $ 902,000
Nassau, New York 96 $ 39,012,000 $ 406,375 $ 142,000
Baltimore, Maryland 94 $ 14,765,000 $ 157,074 $ 77,000
Suffolk, Massachusetts 94 $ 31,008,000 $ 329,872 $ 75,000
Clark, Nevada 94 $ 37,344,000 $ 397,276 $ 128,000
Montgomery, Maryland 89 $ 24,892,000 $ 279,685 $ 141,000
Plymouth, Massachusetts 88 $ 22,536,000 $ 256,090 $ 74,000
Queens, New York 81 $ 18,749,000 $ 231,469 $ 84,000
Fairfield, Connecticut 77 $ 42,849,000 $ 556,480 $ 187,000
Baltimore City, Maryland 71 $ 5,960,000 $ 83,943 $ 54,000
Essex, Massachusetts 62 $ 21,907,000 $ 353,338 $ 103,000
Providence, Rhode Island 61 $ 9,957,000 $ 163,229 $ 55,000
Anne Arundel, Maryland 57 $ 12,055,000 $ 211,491 $ 75,000
Worcester, Massachusetts 57 $ 11,052,000 $ 193,894 $ 78,000
Bristol, Massachusetts 55 $ 9,975,000 $ 181,363 $ 53,000
Norfolk, Massachusetts 55 $ 23,501,000 $ 427,290 $ 128,000
Orange, California 51 $ 40,101,000 $ 786,294 $ 347,000
New York, New York 51 $ 43,020,000 $ 843,529 $ 139,000
Hennepin, Minnesota 49 $ 22,592,000 $ 461,061 $ 261,000
Westchester, New York 45 $ 24,896,000 $ 553,244 $ 154,000
Fairfax, Virginia 45 $ 17,200,000 $ 382,222 $ 192,000
New Haven, Connecticut 44 $ 10,870,000 $ 247,045 $ 75,000
King, Washington 44 $ 22,017,000 $ 500,386 $ 103,000
Riverside, California 43 $ 19,614,000 $ 456,139 $ 103,000
San Diego, California 41 $ 22,251,000 $ 542,707 $ 221,000
Alameda, California 39 $ 18,303,000 $ 469,307 $ 140,000
Montgomery, Pennsylvania 39 $ 13,136,000 $ 336,820 $ 154,000
Prince William, Virginia 38 $ 7,080,000 $ 186,315 $ 69,000
San Bernardino, California 36 $ 8,631,000 $ 239,750 $ 78,000
Barnstable, Massachusetts 36 $ 12,813,000 $ 355,916 $ 97,000
Philadelphia, Pennsylvania 35 $ 7,355,000 $ 210,142 $ 75,000
Fulton, Georgia 34 $ 29,318,000 $ 862,294 $ 316,000
Wayne, Michigan 34 $ 6,523,000 $ 191,852 $ 92,000
Cuyahoga, Ohio 31 $ 11,562,000 $ 372,967 $ 141,000
Pinellas, Florida 30 $ 10,239,000 $ 341,300 $ 112,000
Hillsborough, Florida 29 $ 8,087,000 $ 278,862 $ 133,000
Bucks, Pennsylvania 29 $ 7,749,000 $ 267,206 $ 98,000
Oakland, Michigan 28 $ 10,080,000 $ 360,000 $ 157,000
Richmond, New York 27 $ 7,853,000 $ 290,851 $ 112,000
DuPage, Illinois 25 $ 3,843,000 $ 153,720 $ 73,000
Bronx, New York 25 $ 7,677,000 $ 307,080 $ 75,000
Rockland, New York 25 $ 6,576,000 $ 263,040 $ 149,000
Collier, Florida 24 $ 11,564,000 $ 481,833 $ 228,000
Orange, Florida 22 $ 6,194,000 $ 281,545 $ 173,000
Orange, New York 22 $ 6,280,000 $ 285,454 $ 82,000
Washoe, Nevada 21 $ 11,918,000 $ 567,523 $ 66,000
Chester, Pennsylvania 21 $ 8,602,000 $ 409,619 $ 525,000
Contra Costa, California 20 $ 7,689,000 $ 384,450 $ 110,000
Lee, Florida 19 $ 6,356,000 $ 334,526 $ 99,000
Dutchess, New York 19 $ 4,664,000 $ 245,473 $ 62,000
Pierce, Washington 19 $ 3,589,000 $ 188,894 $ 91,000
Sacramento, California 18 $ 4,282,000 $ 237,888 $ 56,000
Hartford, Connecticut 18 $ 4,690,000 $ 260,555 $ 111,000
Rockingham, New Hampshire 18 $ 3,685,000 $ 204,722 $ 74,000
Stafford, Virginia 18 $ 4,431,000 $ 246,166 $ 80,000
New Castle, Delaware 17 $ 2,508,000 $ 147,529 $ 65,000
Charles, Maryland 17 $ 2,883,000 $ 169,588 $ 72,000
Duval, Florida 16 $ 6,333,000 $ 395,812 $ 129,000
St. Lucie, Florida 16 $ 3,968,000 $ 248,000 $ 138,000
Carroll, Maryland 16 $ 2,694,000 $ 168,375 $ 65,000
Howard, Maryland 16 $ 4,118,000 $ 257,375 $ 85,000
Kent, Rhode Island 16 $ 3,203,000 $ 200,187 $ 87,000
Litchfield, Connecticut 15 $ 3,396,000 $ 226,400 $ 141,000
Lake, Illinois 15 $ 1,963,000 $ 130,866 $ 49,000
Marion, Indiana 15 $ 3,397,000 $ 226,466 $ 78,000
Frederick, Maryland 15 $ 2,870,000 $ 191,333 $ 69,000
Harford, Maryland 15 $ 1,967,000 $ 131,133 $ 58,000
Delaware, Pennsylvania 15 $ 3,690,000 $ 246,000 $ 76,000
Virginia Beach, Virginia 15 $ 2,882,000 $ 192,133 $ 65,000
Solano, California 14 $ 4,525,000 $ 323,214 $ 83,000
Denver, Colorado 14 $ 6,322,000 $ 451,571 $ 157,000
Will, Illinois 14 $ 3,236,000 $ 231,142 $ 62,000
Franklin, Ohio 14 $ 6,161,000 $ 440,071 $ 121,000
Allegheny, Pennsylvania 14 $ 1,613,000 $ 115,214 $ 73,000
Maricopa, Arizona 13 $ 14,176,000 $ 1,090,461 $ 277,000
Manatee, Florida 13 $ 3,461,000 $ 266,230 $ 85,000
Pasco, Florida 13 $ 2,107,000 $ 162,076 $ 53,000
McHenry, Illinois 13 $ 2,699,000 $ 207,615 $ 90,000
Ramsey, Minnesota 13 $ 1,878,000 $ 144,461 $ 46,000
St. Louis, Missouri 13 $ 4,728,000 $ 363,692 $ 591,000
Summit, Ohio 13 $ 4,097,000 $ 315,153 $ 296,000
San Francisco, California 12 $ 16,705,000 $ 1,392,083 $ 436,000
Marion, Florida 12 $ 2,696,000 $ 224,666 $ 81,000
Macomb, Michigan 12 $ 2,370,000 $ 197,500 $ 89,000
Anoka, Minnesota 12 $ 1,647,000 $ 137,250 $ 44,000
Essex, New Jersey 12 $ 4,786,000 $ 398,833 $ 91,000
Washington, Rhode Island 12 $ 3,635,000 $ 302,916 $ 79,000
Harris, Texas 12 $ 13,138,000 $ 1,094,833 $ 239,000
Monterey, California 11 $ 9,000,000 $ 818,181 $ 124,000
Santa Clara, California 11 $ 19,195,000 $ 1,745,000 $ 530,000
Arapahoe, Colorado 11 $ 9,582,000 $ 871,090 $ 133,000
Hillsborough, New Hampshire 11 $ 3,147,000 $ 286,090 $ 226,000
Bergen, New Jersey 11 $ 16,218,000 $ 1,474,363 $ 496,000
Loudoun, Virginia 11 $ 4,093,000 $ 372,090 $ 74,000
Snohomish, Washington 11 $ 4,550,000 $ 413,636 $ 101,000
Jefferson, Colorado 10 $ 7,397,000 $ 739,700 $ 209,000
Brevard, Florida 10 $ 2,220,000 $ 222,000 $ 153,000
Volusia, Florida 10 $ 3,289,000 $ 328,900 $ 215,000
Washtenaw, Michigan 10 $ 1,920,000 $ 192,000 $ 105,000
Putnam, New York 10 $ 3,915,000 $ 391,500 $ 112,000
Mecklenburg, North Carolina 10 $ 3,814,000 $ 381,400 $ 219,000
Hamilton, Ohio 10 $ 1,504,000 $ 150,400 $ 69,000
Chesterfield, Virginia 10 $ 2,004,000 $ 200,400 $ 86,000
Ventura, California 9 $ 12,435,000 $ 1,381,666 $ 990,000
Osceola, Florida 9 $ 10,090,000 $ 1,121,111 $ 120,000
Polk, Florida 9 $ 1,725,000 $ 191,666 $ 53,000
Sarasota, Florida 9 $ 2,552,000 $ 283,555 $ 89,000
Hampden, Massachusetts 9 $ 1,931,000 $ 214,555 $ 52,000
Ulster, New York 9 $ 2,075,000 $ 230,555 $ 231,000
Multnomah, Oregon 9 $ 3,011,000 $ 334,555 $ 133,000
Lehigh, Pennsylvania 9 $ 1,291,000 $ 143,444 $ 42,000
Henrico, Virginia 9 $ 6,257,000 $ 695,222 $ 221,000
Spotsylvania, Virginia 9 $ 1,283,000 $ 142,555 $ 51,000
Fresno, California 8 $ 2,119,000 $ 264,875 $ 118,000
San Joaquin, California 8 $ 1,723,000 $ 215,375 $ 73,000
San Mateo, California 8 $ 17,957,000 $ 2,244,625 $ 1,760,000
Sussex, Delaware 8 $ 1,608,000 $ 201,000 $ 80,000
Okaloosa, Florida 8 $ 5,563,000 $ 695,375 $ 249,000
Lake, Indiana 8 $ 765,000 $ 95,625 $ 47,000
Dakota, Minnesota 8 $ 1,333,000 $ 166,625 $ 46,000
Butler, Ohio 8 $ 2,071,000 $ 258,875 $ 397,000
Placer, California 7 $ 3,134,000 $ 447,714 $ 143,000
Douglas, Colorado 7 $ 3,129,000 $ 447,000 $ 177,000
El Paso, Colorado 7 $ 3,652,000 $ 521,714 $ 504,000
New London, Connecticut 7 $ 970,000 $ 138,571 $ 90,000
Windham, Connecticut 7 $ 984,000 $ 140,571 $ 72,000
Charlotte, Florida 7 $ 1,356,000 $ 193,714 $ 178,000
Monroe, Florida 7 $ 2,572,000 $ 367,428 $ 164,000
Seminole, Florida 7 $ 1,318,000 $ 188,285 $ 58,000
Honolulu, Hawaii 7 $ 7,734,000 $ 1,104,857 $ 303,000
Orleans, Louisiana 7 $ 4,144,000 $ 592,000 $ 221,000
Scott, Minnesota 7 $ 1,585,000 $ 226,428 $ 98,000
St. Louis City, Missouri 7 $ 796,000 $ 113,714 $ 54,000
Wake, North Carolina 7 $ 2,454,000 $ 350,571 $ 112,000
York, Pennsylvania 7 $ 1,157,000 $ 165,285 $ 41,000
Salt Lake, Utah 7 $ 6,005,000 $ 857,857 $ 372,000
Fauquier, Virginia 7 $ 1,849,000 $ 264,142 $ 110,000
Richmond City, Virginia 7 $ 1,549,000 $ 221,285 $ 94,000
Middlesex, Connecticut 6 $ 1,111,000 $ 185,166 $ 67,000
Bay, Florida 6 $ 1,096,000 $ 182,666 $ 285,000
Lake, Florida 6 $ 923,000 $ 153,833 $ 62,000
St. Johns, Florida 6 $ 2,330,000 $ 388,333 $ 120,000
Kane, Illinois 6 $ 888,000 $ 148,000 $ 61,000
Hamilton, Indiana 6 $ 2,637,000 $ 439,500 $ 135,000
Cumberland, Maine 6 $ 892,000 $ 148,666 $ 66,000
York, Maine 6 $ 940,000 $ 156,666 $ 58,000
St. Mary's, Maryland 6 $ 936,000 $ 156,000 $ 70,000
Hudson, New Jersey 6 $ 1,617,000 $ 269,500 $ 58,000
Morris, New Jersey 6 $ 3,582,000 $ 597,000 $ 157,000
Erie, New York 6 $ 1,813,000 $ 302,166 $ 59,000
Clackamas, Oregon 6 $ 1,547,000 $ 257,833 $ 166,000
Newport, Rhode Island 6 $ 2,748,000 $ 458,000 $ 162,000
Alexandria, Virginia 6 $ 2,745,000 $ 457,500 $ 251,000
Anchorage, Alaska 5 $ 835,000 $ 167,000 $ 77,000
Kern, California 5 $ 1,221,000 $ 244,200 $ 92,000
San Luis Obispo, California 5 $ 1,367,000 $ 273,400 $ 96,000
Stanislaus, California 5 $ 1,121,000 $ 224,200 $ 67,000
Kent, Delaware 5 $ 758,000 $ 151,600 $ 90,000
Flagler, Florida 5 $ 854,000 $ 170,800 $ 109,000
Johnson, Kansas 5 $ 1,580,000 $ 316,000 $ 197,000
Calvert, Maryland 5 $ 962,000 $ 192,400 $ 81,000
Cecil, Maryland 5 $ 497,000 $ 99,400 $ 40,000
Berkshire, Massachusetts 5 $ 2,191,000 $ 438,200 $ 121,000
Livingston, Michigan 5 $ 1,277,000 $ 255,400 $ 83,000
Carver, Minnesota 5 $ 1,977,000 $ 395,400 $ 127,000
St. Charles, Missouri 5 $ 909,000 $ 181,800 $ 88,000
Douglas, Nevada 5 $ 1,007,000 $ 201,400 $ 68,000
Dare, North Carolina 5 $ 1,432,000 $ 286,400 $ 121,000
Geauga, Ohio 5 $ 1,409,000 $ 281,800 $ 96,000
Lucas, Ohio 5 $ 829,000 $ 165,800 $ 94,000
Tulsa, Oklahoma 5 $ 3,874,000 $ 774,800 $ 152,000
Berks, Pennsylvania 5 $ 828,000 $ 165,600 $ 83,000
Charleston, South Carolina 5 $ 2,429,000 $ 485,800 $ 113,000
Shelby, Tennessee 5 $ 3,740,000 $ 748,000 $ 145,000
Collin, Texas 5 $ 4,134,000 $ 826,800 $ 254,000
Portsmouth, Virginia 5 $ 624,000 $ 124,800 $ 61,000
Shelby, Alabama 4 $ 1,601,000 $ 400,250 $ 314,000
Calaveras, California 4 $ 696,000 $ 174,000 $ 40,000
Madera, California 4 $ 2,612,000 $ 653,000 $ 123,000
Santa Barbara, California 4 $ 2,591,000 $ 647,750 $ 119,000
Sonoma, California 4 $ 2,771,000 $ 692,750 $ 276,000
Larimer, Colorado 4 $ 1,743,000 $ 435,750 $ 124,000
Weld, Colorado 4 $ 3,810,000 $ 952,500 $ 373,000
Clay, Florida 4 $ 1,505,000 $ 376,250 $ 373,000
Martin, Florida 4 $ 10,795,000 $ 2,698,750 $ 1,251,000
Cobb, Georgia 4 $ 1,180,000 $ 295,000 $ 127,000
DeKalb, Georgia 4 $ 1,393,000 $ 348,250 $ 27,000
Kauai, Hawaii 4 $ 6,452,000 $ 1,613,000 $ 773,000
Kankakee, Illinois 4 $ 354,000 $ 88,500 $ 60,000
Sedgwick, Kansas 4 $ 283,000 $ 70,750 $ 47,000
East Baton Rouge, Louisiana 4 $ 1,018,000 $ 254,500 $ 297,000
Queen Anne's, Maryland 4 $ 1,711,000 $ 427,750 $ 130,000
Nantucket, Massachusetts 4 $ 2,142,000 $ 535,500 $ 144,000
Calhoun, Michigan 4 $ 490,000 $ 122,500 $ 52,000
Missoula, Montana 4 $ 547,000 $ 136,750 $ 60,000
Merrimack, New Hampshire 4 $ 623,000 $ 155,750 $ 72,000
Monmouth, New Jersey 4 $ 4,396,000 $ 1,099,000 $ 284,000
Union, New Jersey 4 $ 1,167,000 $ 291,750 $ 51,000
Johnston, North Carolina 4 $ 1,326,000 $ 331,500 $ 82,000
Lake, Ohio 4 $ 839,000 $ 209,750 $ 119,000
Lorain, Ohio 4 $ 618,000 $ 154,500 $ 192,000
Montgomery, Ohio 4 $ 532,000 $ 133,000 $ 55,000
Warren, Ohio 4 $ 961,000 $ 240,250 $ 72,000
Lane, Oregon 4 $ 1,510,000 $ 377,500 $ 166,000
Washington, Oregon 4 $ 1,030,000 $ 257,500 $ 125,000
Butler, Pennsylvania 4 $ 656,000 $ 164,000 $ 225,000
Cumberland, Pennsylvania 4 $ 385,000 $ 96,250 $ 50,000
Dauphin, Pennsylvania 4 $ 1,115,000 $ 278,750 $ 93,000
Monroe, Pennsylvania 4 $ 674,000 $ 168,500 $ 84,000
Northampton, Pennsylvania 4 $ 535,000 $ 133,750 $ 75,000
Williamson, Tennessee 4 $ 5,158,000 $ 1,289,500 $ 302,000
Kitsap, Washington 4 $ 984,000 $ 246,000 $ 77,000
Thurston, Washington 4 $ 727,000 $ 181,750 $ 83,000
Jefferson, West Virginia 4 $ 683,000 $ 170,750 $ 84,000
St. Croix, Wisconsin 4 $ 406,000 $ 101,500 $ 57,000
Jefferson, Alabama 3 $ 1,659,000 $ 553,000 $ 183,000
Pulaski, Arkansas 3 $ 5,500,000 $ 1,833,333 $ 765,000
El Dorado, California 3 $ 443,000 $ 147,666 $ 42,000
Santa Cruz, California 3 $ 1,875,000 $ 625,000 $ 162,000
Adams, Colorado 3 $ 330,000 $ 110,000 $ 66,000
Boulder, Colorado 3 $ 658,000 $ 219,333 $ 70,000
Mesa, Colorado 3 $ 459,000 $ 153,000 $ 128,000
Summit, Colorado 3 $ 2,570,000 $ 856,666 $ 305,000
Tolland, Connecticut 3 $ 393,000 $ 131,000 $ 70,000
Escambia, Florida 3 $ 1,026,000 $ 342,000 $ 380,000
Hernando, Florida 3 $ 861,000 $ 287,000 $ 88,000
Leon, Florida 3 $ 520,000 $ 173,333 $ 23,000
Nassau, Florida 3 $ 3,278,000 $ 1,092,666 $ 395,000
Sumter, Florida 3 $ 669,000 $ 223,000 $ 95,000
Cherokee, Georgia 3 $ 1,448,000 $ 482,666 $ 110,000
Gwinnett, Georgia 3 $ 1,618,000 $ 539,333 $ 272,000
Jefferson, Kentucky 3 $ 456,000 $ 152,000 $ 84,000
Kenton, Kentucky 3 $ 384,000 $ 128,000 $ 38,000
St. Tammany, Louisiana 3 $ 1,811,000 $ 603,666 $ 167,000
Worcester, Maryland 3 $ 413,000 $ 137,666 $ 83,000
Hampshire, Massachusetts 3 $ 513,000 $ 171,000 $ 156,000
Eaton, Michigan 3 $ 388,000 $ 129,333 $ 63,000
Genesee, Michigan 3 $ 822,000 $ 274,000 $ 80,000
Grand Traverse, Michigan 3 $ 394,000 $ 131,333 $ 142,000
Kent, Michigan 3 $ 413,000 $ 137,666 $ 54,000
Lapeer, Michigan 3 $ 2,164,000 $ 721,333 $ 471,000
Ottawa, Michigan 3 $ 361,000 $ 120,333 $ 65,000
Chisago, Minnesota 3 $ 516,000 $ 172,000 $ 60,000
Sherburne, Minnesota 3 $ 515,000 $ 171,666 $ 158,000
Washington, Minnesota 3 $ 482,000 $ 160,666 $ 84,000
Wright, Minnesota 3 $ 380,000 $ 126,666 $ 88,000
Jackson, Missouri 3 $ 490,000 $ 163,333 $ 32,000
Gallatin, Montana 3 $ 1,648,000 $ 549,333 $ 108,000
Burlington, New Jersey 3 $ 1,545,000 $ 515,000 $ 214,000
Hunterdon, New Jersey 3 $ 2,405,000 $ 801,666 $ 290,000
Ocean, New Jersey 3 $ 1,742,000 $ 580,666 $ 210,000
Somerset, New Jersey 3 $ 3,748,000 $ 1,249,333 $ 280,000
Bernalillo, New Mexico 3 $ 3,023,000 $ 1,007,666 $ 136,000
Columbia, New York 3 $ 546,000 $ 182,000 $ 41,000
Forsyth, North Carolina 3 $ 450,000 $ 150,000 $ 46,000
Clermont, Ohio 3 $ 542,000 $ 180,666 $ 61,000
Mahoning, Ohio 3 $ 476,000 $ 158,666 $ 75,000
Medina, Ohio 3 $ 856,000 $ 285,333 $ 93,000
Portage, Ohio 3 $ 352,000 $ 117,333 $ 40,000
Stark, Ohio 3 $ 816,000 $ 272,000 $ 96,000
Oklahoma, Oklahoma 3 $ 581,000 $ 193,666 $ 66,000
Klamath, Oregon 3 $ 738,000 $ 246,000 $ 133,000
Dallas, Texas 3 $ 5,020,000 $ 1,673,333 $ 306,000
Rutland, Vermont 3 $ 372,000 $ 124,000 $ 66,000
Arlington, Virginia 3 $ 772,000 $ 257,333 $ 82,000
Augusta, Virginia 3 $ 416,000 $ 138,666 $ 50,000
Chesapeake, Virginia 3 $ 479,000 $ 159,666 $ 91,000
Frederick, Virginia 3 $ 448,000 $ 149,333 $ 46,000
Gloucester, Virginia 3 $ 339,000 $ 113,000 $ 33,000
Manassas, Virginia 3 $ 569,000 $ 189,666 $ 92,000
Clark, Washington 3 $ 814,000 $ 271,333 $ 97,000
Skamania, Washington 3 $ 290,000 $ 96,666 $ 27,000
Whatcom, Washington 3 $ 819,000 $ 273,000 $ 99,000
Vilas, Wisconsin 3 $ 572,000 $ 190,666 $ 84,000
Madison, Alabama 2 $ 4,286,000 $ 2,143,000 $ 104,000
Montgomery, Alabama 2 $ 342,000 $ 171,000 $ 40,000
Navajo, Arizona 2 $ 1,262,000 $ 631,000 $ 118,000
Butte, California 2 $ 346,000 $ 173,000 $ 61,000
Lake, California 2 $ 285,000 $ 142,500 $ 105,000
Marin, California 2 $ 1,675,000 $ 837,500 $ 264,000
Merced, California 2 $ 305,000 $ 152,500 $ 63,000
Napa, California 2 $ 2,217,000 $ 1,108,500 $ 404,000
San Benito, California 2 $ 700,000 $ 350,000 $ 131,000
Shasta, California 2 $ 545,000 $ 272,500 $ 67,000
Broomfield, Colorado 2 $ 498,000 $ 249,000 $ 106,000
Delta, Colorado 2 $ 244,000 $ 122,000 $ 100,000
Eagle, Colorado 2 $ 2,950,000 $ 1,475,000 $ 270,000
Pueblo, Colorado 2 $ 787,000 $ 393,500 $ 480,000
Routt, Colorado 2 $ 1,730,000 $ 865,000 $ 460,000
District of Columbia, District Of Columbia 2 $ 1,700,000 $ 850,000 $ 628,000
Alachua, Florida 2 $ 248,000 $ 124,000 $ 58,000
Madison, Florida 2 $ 430,000 $ 215,000 $ 29,000
Okeechobee, Florida 2 $ 380,000 $ 190,000 $ 67,000
Santa Rosa, Florida 2 $ 923,000 $ 461,500 $ 135,000
Walton, Florida 2 $ 1,255,000 $ 627,500 $ 921,000
Clayton, Georgia 2 $ 947,000 $ 473,500 $ 120,000
Douglas, Georgia 2 $ 1,550,000 $ 775,000 $ 230,000
Fayette, Georgia 2 $ 790,000 $ 395,000 $ 48,000
Forsyth, Georgia 2 $ 1,375,000 $ 687,500 $ 150,000
Hall, Georgia 2 $ 1,523,000 $ 761,500 $ 4,999,000
Henry, Georgia 2 $ 1,170,000 $ 585,000 $ 187,000
Hawaii, Hawaii 2 $ 805,000 $ 402,500 $ 70,000
Maui, Hawaii 2 $ 2,000,000 $ 1,000,000 $ 573,000
Blaine, Idaho 2 $ 3,088,000 $ 1,544,000 $ 375,000
Jefferson, Idaho 2 $ 250,000 $ 125,000 $ 69,000
Madison, Illinois 2 $ 219,000 $ 109,500 $ 61,000
Stephenson, Illinois 2 $ 98,000 $ 49,000 $ 0
Madison, Indiana 2 $ 115,000 $ 57,500 $ 54,000
Putnam, Indiana 2 $ 175,000 $ 87,500 $ 26,000
Whitley, Indiana 2 $ 182,000 $ 91,000 $ 40,000
Marshall, Iowa 2 $ 305,000 $ 152,500 $ 41,000
Polk, Iowa 2 $ 241,000 $ 120,500 $ 61,000
Boone, Kentucky 2 $ 226,000 $ 113,000 $ 43,000
Caddo, Louisiana 2 $ 265,000 $ 132,500 $ 32,000
Kennebec, Maine 2 $ 233,000 $ 116,500 $ 42,000
Penobscot, Maine 2 $ 265,000 $ 132,500 $ 43,000
Allegany, Maryland 2 $ 206,000 $ 103,000 $ 57,000
Talbot, Maryland 2 $ 519,000 $ 259,500 $ 18,000
Washington, Maryland 2 $ 337,000 $ 168,500 $ 70,000
Antrim, Michigan 2 $ 1,254,000 $ 627,000 $ 528,000
Cass, Michigan 2 $ 762,000 $ 381,000 $ 275,000
Kalamazoo, Michigan 2 $ 310,000 $ 155,000 $ 40,000
Kalkaska, Michigan 2 $ 219,000 $ 109,500 $ 55,000
Crow Wing, Minnesota 2 $ 355,000 $ 177,500 $ 119,000
Isanti, Minnesota 2 $ 220,000 $ 110,000 $ 28,000
Le Sueur, Minnesota 2 $ 259,000 $ 129,500 $ 80,000
St. Louis, Minnesota 2 $ 160,000 $ 80,000 $ 31,000
Harrison, Mississippi 2 $ 785,000 $ 392,500 $ 427,000
Jefferson, Missouri 2 $ 195,000 $ 97,500 $ 74,000
Douglas, Nebraska 2 $ 459,000 $ 229,500 $ 97,000
Cheshire, New Hampshire 2 $ 412,000 $ 206,000 $ 82,000
Grafton, New Hampshire 2 $ 249,000 $ 124,500 $ 35,000
Atlantic, New Jersey 2 $ 1,254,000 $ 627,000 $ 651,000
Gloucester, New Jersey 2 $ 655,000 $ 327,500 $ 55,000
Mercer, New Jersey 2 $ 1,799,000 $ 899,500 $ 56,000
Middlesex, New Jersey 2 $ 903,000 $ 451,500 $ 86,000
Sussex, New Jersey 2 $ 845,000 $ 422,500 $ 70,000
Sandoval, New Mexico 2 $ 1,042,000 $ 521,000 $ 192,000
Oneida, New York 2 $ 368,000 $ 184,000 $ 119,000
Durham, North Carolina 2 $ 1,321,000 $ 660,500 $ 234,000
McDowell, North Carolina 2 $ 358,000 $ 179,000 $ 70,000
New Hanover, North Carolina 2 $ 283,000 $ 141,500 $ 69,000
Pitt, North Carolina 2 $ 77,000 $ 38,500 $ 30,000
Union, North Carolina 2 $ 324,000 $ 162,000 $ 506,000
Ashland, Ohio 2 $ 317,000 $ 158,500 $ 54,000
Ashtabula, Ohio 2 $ 192,000 $ 96,000 $ 40,000
Delaware, Ohio 2 $ 855,000 $ 427,500 $ 209,000
Guernsey, Ohio 2 $ 367,000 $ 183,500 $ 50,000
Licking, Ohio 2 $ 383,000 $ 191,500 $ 97,000
Trumbull, Ohio 2 $ 225,000 $ 112,500 $ 60,000
Wood, Ohio 2 $ 1,930,000 $ 965,000 $ 233,000
Douglas, Oregon 2 $ 225,000 $ 112,500 $ 60,000
Marion, Oregon 2 $ 908,000 $ 454,000 $ 158,000
Adams, Pennsylvania 2 $ 300,000 $ 150,000 $ 55,000
Columbia, Pennsylvania 2 $ 479,000 $ 239,500 $ 92,000
Erie, Pennsylvania 2 $ 121,000 $ 60,500 $ 29,000
Lancaster, Pennsylvania 2 $ 246,000 $ 123,000 $ 18,000
Mercer, Pennsylvania 2 $ 148,000 $ 74,000 $ 43,000
Pike, Pennsylvania 2 $ 252,000 $ 126,000 $ 60,000
Washington, Pennsylvania 2 $ 238,000 $ 119,000 $ 51,000
Wayne, Pennsylvania 2 $ 217,000 $ 108,500 $ 21,000
Beaufort, South Carolina 2 $ 4,500,000 $ 2,250,000 $ 648,000
Bedford, Tennessee 2 $ 296,000 $ 148,000 $ 58,000
Davidson, Tennessee 2 $ 170,000 $ 85,000 $ 30,000
Madison, Tennessee 2 $ 170,000 $ 85,000 $ 35,000
Sevier, Tennessee 2 $ 700,000 $ 350,000 $ 48,000
Bexar, Texas 2 $ 2,600,000 $ 1,300,000 $ 600,000
Fort Bend, Texas 2 $ 1,150,000 $ 575,000 $ 222,000
Tarrant, Texas 2 $ 1,335,000 $ 667,500 $ 173,000
Washington, Utah 2 $ 279,000 $ 139,500 $ 88,000
Weber, Utah 2 $ 475,000 $ 237,500 $ 13,000
Albemarle, Virginia 2 $ 610,000 $ 305,000 $ 170,000
Manassas Park, Virginia 2 $ 326,000 $ 163,000 $ 56,000
Norfolk, Virginia 2 $ 176,000 $ 88,000 $ 45,000
York, Virginia 2 $ 549,000 $ 274,500 $ 85,000
Mason, Washington 2 $ 272,000 $ 136,000 $ 57,000
Spokane, Washington 2 $ 499,000 $ 249,500 $ 237,000
Yakima, Washington 2 $ 2,255,000 $ 1,127,500 $ 435,000
Berkeley, West Virginia 2 $ 196,000 $ 98,000 $ 57,000
Walworth, Wisconsin 2 $ 2,717,000 $ 1,358,500 $ 180,000
Washington, Wisconsin 2 $ 325,000 $ 162,500 $ 50,000
Waukesha, Wisconsin 2 $ 274,000 $ 137,000 $ 71,000
Waushara, Wisconsin 2 $ 153,000 $ 76,500 $ 78,000
Winnebago, Wisconsin 2 $ 301,000 $ 150,500 $ 78,000
Baldwin, Alabama 1 $ 700,000 $ 700,000 $ 168,000
Dallas, Alabama 1 $ 135,000 $ 135,000 $ 64,000
Escambia, Alabama 1 $ 211,000 $ 211,000 $ 92,000
Tuscaloosa, Alabama 1 $ 231,000 $ 231,000 $ 75,000
Southeast Fairbanks, Alaska 1 $ 175,000 $ 175,000 $ 120,000
Coconino, Arizona 1 $ 220,000 $ 220,000 $ 60,000
Yavapai, Arizona 1 $ 400,000 $ 400,000 $ 83,000
Garland, Arkansas 1 $ 130,000 $ 130,000 $ 24,000
Saline, Arkansas 1 $ 165,000 $ 165,000 $ 68,000
Humboldt, California 1 $ 100,000 $ 100,000 $ 42,000
Imperial, California 1 $ 217,000 $ 217,000 $ 121,000
Mendocino, California 1 $ 1,100,000 $ 1,100,000 $ 720,000
Nevada, California 1 $ 616,000 $ 616,000 $ 111,000
Tulare, California 1 $ 273,000 $ 273,000 $ 64,000
Tuolumne, California 1 $ 163,000 $ 163,000 $ 76,000
Yolo, California 1 $ 168,000 $ 168,000 $ 60,000
Fremont, Colorado 1 $ 70,000 $ 70,000 $ 60,000
Gilpin, Colorado 1 $ 286,000 $ 286,000 $ 220,000
Grand, Colorado 1 $ 228,000 $ 228,000 $ 53,000
Huerfano, Colorado 1 $ 230,000 $ 230,000 $ 90,000
La Plata, Colorado 1 $ 168,000 $ 168,000 $ 64,000
Phillips, Colorado 1 $ 161,000 $ 161,000 $ 46,000
Pitkin, Colorado 1 $ 3,000,000 $ 3,000,000 $ 2,190,000
Teller, Colorado 1 $ 143,000 $ 143,000 $ 37,000
Baker, Florida 1 $ 90,000 $ 90,000 $ 0
Citrus, Florida 1 $ 116,000 $ 116,000 $ 84,000
Columbia, Florida 1 $ 357,000 $ 357,000 $ 100,000
Indian River, Florida 1 $ 120,000 $ 120,000 $ 33,000
Levy, Florida 1 $ 400,000 $ 400,000 $ 0
Barrow, Georgia 1 $ 144,000 $ 144,000 $ 0
Butts, Georgia 1 $ 108,000 $ 108,000 $ 0
Chatham, Georgia 1 $ 450,000 $ 450,000 $ 241,000
Dougherty, Georgia 1 $ 340,000 $ 340,000 $ 313,000
Glynn, Georgia 1 $ 1,041,000 $ 1,041,000 $ 720,000
Walton, Georgia 1 $ 975,000 $ 975,000 $ 300,000
Wilkinson, Georgia 1 $ 100,000 $ 100,000 $ 0
Valley, Idaho 1 $ 181,000 $ 181,000 $ 72,000
Boone, Illinois 1 $ 554,000 $ 554,000 $ 0
Bureau, Illinois 1 $ 124,000 $ 124,000 $ 56,000
Champaign, Illinois 1 $ 110,000 $ 110,000 $ 81,000
DeKalb, Illinois 1 $ 185,000 $ 185,000 $ 55,000
Kendall, Illinois 1 $ 75,000 $ 75,000 $ 65,000
LaSalle, Illinois 1 $ 120,000 $ 120,000 $ 120,000
Ogle, Illinois 1 $ 63,000 $ 63,000 $ 25,000
Peoria, Illinois 1 $ 845,000 $ 845,000 $ 264,000
Piatt, Illinois 1 $ 83,000 $ 83,000 $ 39,000
St. Clair, Illinois 1 $ 140,000 $ 140,000 $ 0
Winnebago, Illinois 1 $ 99,000 $ 99,000 $ 0
Allen, Indiana 1 $ 240,000 $ 240,000 $ 315,000
Brown, Indiana 1 $ 198,000 $ 198,000 $ 80,000
Cass, Indiana 1 $ 83,000 $ 83,000 $ 70,000
Dearborn, Indiana 1 $ 60,000 $ 60,000 $ 40,000
Decatur, Indiana 1 $ 113,000 $ 113,000 $ 0
Grant, Indiana 1 $ 68,000 $ 68,000 $ 67,000
Johnson, Indiana 1 $ 97,000 $ 97,000 $ 0
Knox, Indiana 1 $ 110,000 $ 110,000 $ 52,000
Kosciusko, Indiana 1 $ 60,000 $ 60,000 $ 56,000
LaGrange, Indiana 1 $ 60,000 $ 60,000 $ 0
LaPorte, Indiana 1 $ 136,000 $ 136,000 $ 98,000
Morgan, Indiana 1 $ 152,000 $ 152,000 $ 81,000
Noble, Indiana 1 $ 155,000 $ 155,000 $ 51,000
Porter, Indiana 1 $ 1,425,000 $ 1,425,000 $ 438,000
Posey, Indiana 1 $ 80,000 $ 80,000 $ 144,000
St. Joseph, Indiana 1 $ 90,000 $ 90,000 $ 60,000
Vanderburgh, Indiana 1 $ 133,000 $ 133,000 $ 53,000
Vermillion, Indiana 1 $ 29,000 $ 29,000 $ 0
Vigo, Indiana 1 $ 42,000 $ 42,000 $ 0
Wabash, Indiana 1 $ 62,000 $ 62,000 $ 0
Wayne, Indiana 1 $ 106,000 $ 106,000 $ 62,000
Butler, Iowa 1 $ 80,000 $ 80,000 $ 33,000
Wapello, Iowa 1 $ 302,000 $ 302,000 $ 50,000
Douglas, Kansas 1 $ 203,000 $ 203,000 $ 148,000
Franklin, Kansas 1 $ 17,000 $ 17,000 $ 0
Geary, Kansas 1 $ 41,000 $ 41,000 $ 0
Leavenworth, Kansas 1 $ 38,000 $ 38,000 $ 0
Lyon, Kansas 1 $ 269,000 $ 269,000 $ 210,000
Sumner, Kansas 1 $ 103,000 $ 103,000 $ 0
Adair, Kentucky 1 $ 500,000 $ 500,000 $ 140,000
Campbell, Kentucky 1 $ 141,000 $ 141,000 $ 49,000
Fayette, Kentucky 1 $ 595,000 $ 595,000 $ 0
Grant, Kentucky 1 $ 92,000 $ 92,000 $ 25,000
Henry, Kentucky 1 $ 156,000 $ 156,000 $ 59,000
Jessamine, Kentucky 1 $ 99,000 $ 99,000 $ 45,000
Lyon, Kentucky 1 $ 100,000 $ 100,000 $ 120,000
Marshall, Kentucky 1 $ 100,000 $ 100,000 $ 42,000
Muhlenberg, Kentucky 1 $ 1,251,000 $ 1,251,000 $ 554,000
Scott, Kentucky 1 $ 176,000 $ 176,000 $ 60,000
Ascension, Louisiana 1 $ 215,000 $ 215,000 $ 78,000
Jefferson, Louisiana 1 $ 122,000 $ 122,000 $ 55,000
Lafourche, Louisiana 1 $ 475,000 $ 475,000 $ 536,000
Lincoln, Louisiana 1 $ 543,000 $ 543,000 $ 180,000
West Baton Rouge, Louisiana 1 $ 163,000 $ 163,000 $ 114,000
Hancock, Maine 1 $ 300,000 $ 300,000 $ 121,000
Knox, Maine 1 $ 96,000 $ 96,000 $ 50,000
Lincoln, Maine 1 $ 900,000 $ 900,000 $ 667,000
Oxford, Maine 1 $ 75,000 $ 75,000 $ 34,000
Piscataquis, Maine 1 $ 140,000 $ 140,000 $ 140,000
Sagadahoc, Maine 1 $ 205,000 $ 205,000 $ 67,000
Somerset, Maine 1 $ 85,000 $ 85,000 $ 59,000
Caroline, Maryland 1 $ 73,000 $ 73,000 $ 19,000
Garrett, Maryland 1 $ 250,000 $ 250,000 $ 73,000
Kent, Maryland 1 $ 460,000 $ 460,000 $ 0
Somerset, Maryland 1 $ 400,000 $ 400,000 $ 0
Wicomico, Maryland 1 $ 296,000 $ 296,000 $ 596,000
Dukes, Massachusetts 1 $ 1,400,000 $ 1,400,000 $ 510,000
Barry, Michigan 1 $ 174,000 $ 174,000 $ 51,000
Bay, Michigan 1 $ 209,000 $ 209,000 $ 100,000
Berrien, Michigan 1 $ 87,000 $ 87,000 $ 48,000
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Mortgage Loan Application Detail Totals for Eastern Savings Bank, FSB 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
Refinancing 4,813 $1,632,409,000 $432,938 $10,300,000 $172,346 $6,900,000
Home Purchase 648 $377,751,000 $548,857 $10,780,000 $206,380 $9,999,000
Home Improvement 108 $39,589,000 $276,416 $9,600,000 $101,208 $3,310,000

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 2,090 $813,895,000 $438,346 $10,780,000 $186,000 $6,900,000
Not Provided 2,087 $812,908,000 $411,083 $10,750,000 $136,270 $9,999,000
Black or African American 914 $224,209,000 $271,967 $5,250,000 $158,548 $9,999,000
Hispanic 282 $98,604,000 $368,086 $8,400,000 $151,869 $6,660,000
Not applicable 80 $45,925,000 $597,217 $9,600,000 $181,260 $3,310,000
Asian 65 $30,551,000 $446,000 $2,800,000 $155,000 $1,013,000
American Indian or Alaskan Native 32 $13,016,000 $427,866 $3,375,000 $485,733 $9,999,000
Native Hawaiian or Other Pacific Islander 19 $10,641,000 $711,375 $4,300,000 $245,250 $1,440,000

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) 5,569 $2,049,749,000 $431,469 $10,780,000 $169,653 $9,999,000
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
File Closed For Incompleteness 3,178 $1,294,394,000 $458,448 $10,780,000 $179,367 $9,999,000
Loan Originated 981 $294,230,000 $365,075 $10,300,000 $178,625 $2,190,000
Application Denied By Financial Institution 707 $225,998,000 $424,285 $10,750,000 $166,142 $3,060,000
Application Withdrawn By Applicant 548 $183,879,000 $391,146 $9,600,000 $167,341 $9,999,000
Application Approved But Not Accepted 107 $46,258,000 $551,043 $4,750,000 $167,956 $1,500,000
Loan Purchased By The Institution 48 $4,990,000 $112,882 $648,000 $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 337 $121,048,000 $475,750 $10,750,000 $176,777 $3,060,000
Other 96 $32,957,000 $327,818 $3,750,000 $163,909 $1,430,000
Debt-To-Income Ratio 94 $23,279,000 $218,476 $950,000 $110,190 $2,500,000
Credit History 83 $24,221,000 $318,958 $5,500,000 $108,375 $1,140,000
Insufficient Cash (Downpayment, Closing Cost) 43 $12,346,000 $289,315 $1,925,000 $107,894 $912,000
Unverifiable Information 39 $9,405,000 $241,235 $1,080,000 $73,470 $480,000
Credit Application Incomplete 12 $2,427,000 $170,571 $620,000 $63,285 $152,000
Employment History 3 $315,000 $105,000 $156,000 $43,666 $131,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Eastern Savings Bank, FSB'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 Eastern Savings Bank, FSB'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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