Eastern Savings Bank, FSB Mortgage Lending & HMDA Data, 2006

In 2006, Eastern Savings Bank, FSB of Hunt Valley, MD reported 2,958 mortgage applications totaling $822.4 million, up 24% from 2005. The average application was for $278,013, and applicants reported an average income of $109,482. 45% of its applications resulted in an originated loan and 20% were denied. Its largest markets were Washington-Arlington-Alexandria, DC-VA-MD-WV (317), Chicago-Naperville-Joliet, IL (285) and Baltimore-Towson, MD (257) (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 2,958
Total Mortgage Loan Application Amount $822,365,000
Average Mortgage Loan Application Amount $278,013
Highest Mortgage Loan Application Amount $15,000,000
Average Applicant Income $109,482
Highest Applicant Income $5,620,000

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records Eastern Savings Bank, FSB filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2006

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Cook, Illinois 218 $ 37,829,000 $ 173,527 $ 63,000
Prince George's, Maryland 196 $ 42,701,000 $ 217,862 $ 85,000
Baltimore, Maryland 93 $ 15,586,000 $ 167,591 $ 58,000
Baltimore City, Maryland 86 $ 9,310,000 $ 108,255 $ 49,000
New Haven, Connecticut 60 $ 10,381,000 $ 173,016 $ 73,000
Fairfield, Connecticut 59 $ 24,429,000 $ 414,050 $ 165,000
Suffolk, New York 54 $ 17,117,000 $ 316,981 $ 132,000
Kings, New York 43 $ 15,409,000 $ 358,348 $ 104,000
Hartford, Connecticut 40 $ 7,909,000 $ 197,725 $ 76,000
Anne Arundel, Maryland 39 $ 9,622,000 $ 246,717 $ 85,000
Montgomery, Maryland 39 $ 11,685,000 $ 299,615 $ 113,000
Maricopa, Arizona 38 $ 11,462,000 $ 301,631 $ 127,000
Los Angeles, California 38 $ 23,655,000 $ 622,500 $ 305,000
Queens, New York 36 $ 9,976,000 $ 277,111 $ 85,000
New Castle, Delaware 34 $ 4,549,000 $ 133,794 $ 57,000
Hennepin, Minnesota 32 $ 6,743,000 $ 210,718 $ 97,000
New York, New York 32 $ 59,515,000 $ 1,859,843 $ 442,000
Virginia Beach, Virginia 29 $ 4,707,000 $ 162,310 $ 57,000
Milwaukee, Wisconsin 26 $ 3,407,000 $ 131,038 $ 69,000
Charles, Maryland 25 $ 4,706,000 $ 188,240 $ 59,000
Riverside, California 23 $ 6,936,000 $ 301,565 $ 107,000
Miami-Dade, Florida 23 $ 12,250,000 $ 532,608 $ 130,000
Palm Beach, Florida 23 $ 6,007,000 $ 261,173 $ 113,000
Nassau, New York 23 $ 9,501,000 $ 413,086 $ 125,000
Broward, Florida 22 $ 5,106,000 $ 232,090 $ 76,000
Hillsborough, Florida 22 $ 3,552,000 $ 161,454 $ 67,000
DuPage, Illinois 22 $ 5,207,000 $ 236,681 $ 63,000
Volusia, Florida 21 $ 2,921,000 $ 139,095 $ 55,000
Will, Illinois 21 $ 5,095,000 $ 242,619 $ 121,000
Westchester, New York 21 $ 10,640,000 $ 506,666 $ 162,000
Providence, Rhode Island 21 $ 3,481,000 $ 165,761 $ 56,000
Prince William, Virginia 21 $ 4,689,000 $ 223,285 $ 82,000
Orange, Florida 20 $ 3,087,000 $ 154,350 $ 60,000
Norfolk, Virginia 20 $ 2,599,000 $ 129,950 $ 60,000
Philadelphia, Pennsylvania 19 $ 3,656,000 $ 192,421 $ 55,000
Chesapeake, Virginia 19 $ 2,808,000 $ 147,789 $ 52,000
Fairfax, Virginia 19 $ 8,276,000 $ 435,578 $ 159,000
Brevard, Florida 18 $ 2,836,000 $ 157,555 $ 56,000
Oakland, Michigan 17 $ 8,745,000 $ 514,411 $ 224,000
Harford, Maryland 16 $ 2,639,000 $ 164,937 $ 69,000
Lake, Illinois 15 $ 9,092,000 $ 606,133 $ 131,000
Ramsey, Minnesota 15 $ 2,667,000 $ 177,800 $ 115,000
Portsmouth, Virginia 15 $ 1,694,000 $ 112,933 $ 53,000
Anoka, Minnesota 14 $ 1,832,000 $ 130,857 $ 61,000
Pinellas, Florida 13 $ 2,364,000 $ 181,846 $ 69,000
Honolulu, Hawaii 13 $ 11,611,000 $ 893,153 $ 217,000
Howard, Maryland 13 $ 5,010,000 $ 385,384 $ 118,000
Spotsylvania, Virginia 13 $ 2,901,000 $ 223,153 $ 66,000
King, Washington 13 $ 7,391,000 $ 568,538 $ 142,000
Pierce, Washington 13 $ 2,109,000 $ 162,230 $ 66,000
Windham, Connecticut 12 $ 1,735,000 $ 144,583 $ 56,000
Lee, Florida 12 $ 2,263,000 $ 188,583 $ 58,000
Polk, Florida 12 $ 1,610,000 $ 134,166 $ 56,000
Orange, New York 12 $ 2,219,000 $ 184,916 $ 97,000
Allegheny, Pennsylvania 12 $ 2,199,000 $ 183,250 $ 68,000
Kane, Illinois 11 $ 1,842,000 $ 167,454 $ 79,000
Stafford, Virginia 11 $ 2,148,000 $ 195,272 $ 68,000
San Bernardino, California 10 $ 3,866,000 $ 386,600 $ 207,000
Litchfield, Connecticut 10 $ 2,260,000 $ 226,000 $ 63,000
Lake, Florida 10 $ 2,222,000 $ 222,200 $ 137,000
Osceola, Florida 10 $ 1,556,000 $ 155,600 $ 42,000
Washington, Minnesota 10 $ 1,847,000 $ 184,700 $ 61,000
Chester, Pennsylvania 10 $ 2,557,000 $ 255,700 $ 127,000
Delaware, Pennsylvania 10 $ 4,372,000 $ 437,200 $ 121,000
New London, Connecticut 9 $ 1,068,000 $ 118,666 $ 49,000
Hawaii, Hawaii 9 $ 1,864,000 $ 207,111 $ 76,000
Frederick, Maryland 9 $ 1,439,000 $ 159,888 $ 67,000
Bronx, New York 9 $ 2,337,000 $ 259,666 $ 50,000
Bucks, Pennsylvania 9 $ 1,560,000 $ 173,333 $ 72,000
Kent, Rhode Island 9 $ 2,063,000 $ 229,222 $ 78,000
St. Lucie, Florida 8 $ 1,153,000 $ 144,125 $ 53,000
Wayne, Michigan 8 $ 1,115,000 $ 139,375 $ 61,000
Clark, Nevada 8 $ 1,300,000 $ 162,500 $ 63,000
Chesterfield, Virginia 8 $ 939,000 $ 117,375 $ 52,000
Sacramento, California 7 $ 3,561,000 $ 508,714 $ 242,000
Duval, Florida 7 $ 1,220,000 $ 174,285 $ 78,000
Manatee, Florida 7 $ 2,370,000 $ 338,571 $ 92,000
Sarasota, Florida 7 $ 1,391,000 $ 198,714 $ 67,000
Seminole, Florida 7 $ 1,077,000 $ 153,857 $ 106,000
Maui, Hawaii 7 $ 2,316,000 $ 330,857 $ 76,000
McHenry, Illinois 7 $ 1,073,000 $ 153,285 $ 87,000
East Baton Rouge, Louisiana 7 $ 1,487,000 $ 212,428 $ 72,000
Carroll, Maryland 7 $ 1,244,000 $ 177,714 $ 122,000
Cecil, Maryland 7 $ 972,000 $ 138,857 $ 62,000
Bergen, New Jersey 7 $ 16,599,000 $ 2,371,285 $ 1,121,000
Richmond, New York 7 $ 1,506,000 $ 215,142 $ 103,000
Mecklenburg, North Carolina 7 $ 2,651,000 $ 378,714 $ 237,000
Suffolk, Virginia 7 $ 1,734,000 $ 247,714 $ 147,000
Fresno, California 6 $ 1,763,000 $ 293,833 $ 97,000
San Diego, California 6 $ 1,630,000 $ 271,666 $ 53,000
Middlesex, Connecticut 6 $ 2,527,000 $ 421,166 $ 151,000
Wright, Minnesota 6 $ 718,000 $ 119,666 $ 48,000
Rockland, New York 6 $ 1,535,000 $ 255,833 $ 111,000
Monroe, Pennsylvania 6 $ 1,059,000 $ 176,500 $ 85,000
York, Pennsylvania 6 $ 794,000 $ 132,333 $ 58,000
Harris, Texas 6 $ 997,000 $ 166,166 $ 120,000
Loudoun, Virginia 6 $ 1,819,000 $ 303,166 $ 85,000
Mobile, Alabama 5 $ 780,000 $ 156,000 $ 65,000
Pima, Arizona 5 $ 1,299,000 $ 259,800 $ 40,000
Kern, California 5 $ 1,711,000 $ 342,200 $ 175,000
Orange, California 5 $ 3,561,000 $ 712,200 $ 892,000
San Francisco, California 5 $ 2,767,000 $ 553,400 $ 281,000
San Mateo, California 5 $ 14,770,000 $ 2,954,000 $ 715,000
Calvert, Maryland 5 $ 1,034,000 $ 206,800 $ 57,000
Caroline, Maryland 5 $ 578,000 $ 115,600 $ 66,000
St. Mary's, Maryland 5 $ 1,083,000 $ 216,600 $ 66,000
Wicomico, Maryland 5 $ 731,000 $ 146,200 $ 53,000
Macomb, Michigan 5 $ 857,000 $ 171,400 $ 88,000
St. Louis City, Missouri 5 $ 588,000 $ 117,600 $ 71,000
Merrimack, New Hampshire 5 $ 937,000 $ 187,400 $ 70,000
Monmouth, New Jersey 5 $ 5,970,000 $ 1,194,000 $ 175,000
Wake, North Carolina 5 $ 1,090,000 $ 218,000 $ 104,000
Hamilton, Ohio 5 $ 1,188,000 $ 237,600 $ 116,000
Montgomery, Pennsylvania 5 $ 924,000 $ 184,800 $ 136,000
Newport, Rhode Island 5 $ 1,506,000 $ 301,200 $ 294,000
Frederick, Virginia 5 $ 545,000 $ 109,000 $ 61,000
Richmond City, Virginia 5 $ 596,000 $ 119,200 $ 48,000
Clark, Washington 5 $ 1,548,000 $ 309,600 $ 114,000
Waukesha, Wisconsin 5 $ 828,000 $ 165,600 $ 65,000
Anchorage, Alaska 4 $ 627,000 $ 156,750 $ 42,000
Mohave, Arizona 4 $ 618,000 $ 154,500 $ 103,000
Pinal, Arizona 4 $ 799,000 $ 199,750 $ 75,000
Alameda, California 4 $ 1,242,000 $ 310,500 $ 70,000
Tulare, California 4 $ 931,000 $ 232,750 $ 81,000
Kent, Delaware 4 $ 556,000 $ 139,000 $ 46,000
Sussex, Delaware 4 $ 433,000 $ 108,250 $ 64,000
Marion, Florida 4 $ 1,025,000 $ 256,250 $ 115,000
Okaloosa, Florida 4 $ 387,000 $ 96,750 $ 73,000
Pasco, Florida 4 $ 539,000 $ 134,750 $ 65,000
Fulton, Georgia 4 $ 1,132,000 $ 283,000 $ 197,000
Lake, Indiana 4 $ 427,000 $ 106,750 $ 59,000
Marion, Indiana 4 $ 445,000 $ 111,250 $ 76,000
Barnstable, Massachusetts 4 $ 3,220,000 $ 805,000 $ 231,000
Suffolk, Massachusetts 4 $ 1,069,000 $ 267,250 $ 68,000
Chisago, Minnesota 4 $ 579,000 $ 144,750 $ 58,000
St. Louis, Missouri 4 $ 587,000 $ 146,750 $ 161,000
Belknap, New Hampshire 4 $ 1,940,000 $ 485,000 $ 313,000
Somerset, New Jersey 4 $ 3,961,000 $ 990,250 $ 381,000
Ulster, New York 4 $ 698,000 $ 174,500 $ 92,000
Franklin, Ohio 4 $ 467,000 $ 116,750 $ 56,000
Summit, Ohio 4 $ 1,646,000 $ 411,500 $ 335,000
Northampton, Pennsylvania 4 $ 364,000 $ 91,000 $ 41,000
Pike, Pennsylvania 4 $ 865,000 $ 216,250 $ 143,000
Knox, Tennessee 4 $ 799,000 $ 199,750 $ 96,000
Shelby, Tennessee 4 $ 2,324,000 $ 581,000 $ 232,000
Dallas, Texas 4 $ 8,095,000 $ 2,023,750 $ 1,783,000
Charlottesville, Virginia 4 $ 569,000 $ 142,250 $ 39,000
Hampton, Virginia 4 $ 476,000 $ 119,000 $ 56,000
Manassas, Virginia 4 $ 752,000 $ 188,000 $ 77,000
Newport News, Virginia 4 $ 533,000 $ 133,250 $ 66,000
Shenandoah, Virginia 4 $ 567,000 $ 141,750 $ 43,000
Door, Wisconsin 4 $ 622,000 $ 155,500 $ 45,000
Jefferson, Alabama 3 $ 391,000 $ 130,333 $ 64,000
Shelby, Alabama 3 $ 1,589,000 $ 529,666 $ 169,000
Tuscaloosa, Alabama 3 $ 293,000 $ 97,666 $ 45,000
Contra Costa, California 3 $ 1,844,000 $ 614,666 $ 294,000
Santa Barbara, California 3 $ 2,662,000 $ 887,333 $ 42,000
Stanislaus, California 3 $ 791,000 $ 263,666 $ 108,000
El Paso, Colorado 3 $ 821,000 $ 273,666 $ 90,000
Tolland, Connecticut 3 $ 443,000 $ 147,666 $ 71,000
District of Columbia, District Of Columbia 3 $ 2,444,000 $ 814,666 $ 242,000
Collier, Florida 3 $ 1,270,000 $ 423,333 $ 249,000
Escambia, Florida 3 $ 369,000 $ 123,000 $ 43,000
Walton, Florida 3 $ 957,000 $ 319,000 $ 145,000
Kauai, Hawaii 3 $ 1,279,000 $ 426,333 $ 57,000
Kendall, Illinois 3 $ 381,000 $ 127,000 $ 67,000
LaSalle, Illinois 3 $ 578,000 $ 192,666 $ 65,000
Caddo, Louisiana 3 $ 940,000 $ 313,333 $ 188,000
Lafayette, Louisiana 3 $ 274,000 $ 91,333 $ 53,000
Cumberland, Maine 3 $ 524,000 $ 174,666 $ 81,000
Oxford, Maine 3 $ 414,000 $ 138,000 $ 62,000
Queen Anne's, Maryland 3 $ 2,570,000 $ 856,666 $ 232,000
Washington, Maryland 3 $ 350,000 $ 116,666 $ 46,000
Washtenaw, Michigan 3 $ 569,000 $ 189,666 $ 88,000
Dakota, Minnesota 3 $ 602,000 $ 200,666 $ 72,000
Isanti, Minnesota 3 $ 389,000 $ 129,666 $ 50,000
Scott, Minnesota 3 $ 564,000 $ 188,000 $ 178,000
St. Charles, Missouri 3 $ 428,000 $ 142,666 $ 73,000
Washoe, Nevada 3 $ 730,000 $ 243,333 $ 67,000
Hillsborough, New Hampshire 3 $ 538,000 $ 179,333 $ 79,000
Rockingham, New Hampshire 3 $ 695,000 $ 231,666 $ 91,000
Essex, New Jersey 3 $ 1,966,000 $ 655,333 $ 245,000
Hudson, New Jersey 3 $ 1,945,000 $ 648,333 $ 328,000
Mercer, New Jersey 3 $ 2,243,000 $ 747,666 $ 352,000
Morris, New Jersey 3 $ 2,120,000 $ 706,666 $ 461,000
Union, New Jersey 3 $ 2,903,000 $ 967,666 $ 416,000
Dutchess, New York 3 $ 559,000 $ 186,333 $ 96,000
Saratoga, New York 3 $ 826,000 $ 275,333 $ 145,000
Washington, New York 3 $ 3,320,000 $ 1,106,666 $ 344,000
Moore, North Carolina 3 $ 291,000 $ 97,000 $ 31,000
Cuyahoga, Ohio 3 $ 658,000 $ 219,333 $ 85,000
Multnomah, Oregon 3 $ 440,000 $ 146,666 $ 38,000
Dauphin, Pennsylvania 3 $ 582,000 $ 194,000 $ 140,000
Lancaster, Pennsylvania 3 $ 402,000 $ 134,000 $ 67,000
Lehigh, Pennsylvania 3 $ 607,000 $ 202,333 $ 79,000
Washington, Pennsylvania 3 $ 276,000 $ 92,000 $ 47,000
Fauquier, Virginia 3 $ 474,000 $ 158,000 $ 49,000
Henrico, Virginia 3 $ 271,000 $ 90,333 $ 55,000
Snohomish, Washington 3 $ 488,000 $ 162,666 $ 70,000
Berkeley, West Virginia 3 $ 339,000 $ 113,000 $ 65,000
Walworth, Wisconsin 3 $ 602,000 $ 200,666 $ 71,000
Dallas, Alabama 2 $ 142,000 $ 71,000 $ 40,000
Tallapoosa, Alabama 2 $ 284,000 $ 142,000 $ 47,000
Yuma, Arizona 2 $ 262,000 $ 131,000 $ 57,000
Calaveras, California 2 $ 530,000 $ 265,000 $ 84,000
Imperial, California 2 $ 482,000 $ 241,000 $ 91,000
Lake, California 2 $ 370,000 $ 185,000 $ 56,000
Merced, California 2 $ 407,000 $ 203,500 $ 68,000
Monterey, California 2 $ 1,240,000 $ 620,000 $ 170,000
San Joaquin, California 2 $ 541,000 $ 270,500 $ 63,000
San Luis Obispo, California 2 $ 1,093,000 $ 546,500 $ 422,000
Santa Cruz, California 2 $ 1,370,000 $ 685,000 $ 228,000
Shasta, California 2 $ 440,000 $ 220,000 $ 87,000
Solano, California 2 $ 748,000 $ 374,000 $ 182,000
Sonoma, California 2 $ 2,150,000 $ 1,075,000 $ 221,000
Charlotte, Florida 2 $ 522,000 $ 261,000 $ 40,000
Clay, Florida 2 $ 414,000 $ 207,000 $ 65,000
Columbia, Florida 2 $ 237,000 $ 118,500 $ 19,000
DeSoto, Florida 2 $ 240,000 $ 120,000 $ 73,000
Franklin, Florida 2 $ 378,000 $ 189,000 $ 74,000
Leon, Florida 2 $ 414,000 $ 207,000 $ 87,000
Grundy, Illinois 2 $ 325,000 $ 162,500 $ 36,000
Madison, Illinois 2 $ 222,000 $ 111,000 $ 49,000
Winnebago, Illinois 2 $ 202,000 $ 101,000 $ 53,000
St. Joseph, Indiana 2 $ 185,000 $ 92,500 $ 41,000
Ascension, Louisiana 2 $ 1,174,000 $ 587,000 $ 367,000
East Feliciana, Louisiana 2 $ 275,000 $ 137,500 $ 69,000
St. Tammany, Louisiana 2 $ 823,000 $ 411,500 $ 31,000
Washington, Louisiana 2 $ 573,000 $ 286,500 $ 109,000
Androscoggin, Maine 2 $ 209,000 $ 104,500 $ 52,000
Kent, Maryland 2 $ 488,000 $ 244,000 $ 101,000
Worcester, Maryland 2 $ 185,000 $ 92,500 $ 41,000
Nantucket, Massachusetts 2 $ 3,100,000 $ 1,550,000 $ 210,000
Norfolk, Massachusetts 2 $ 3,661,000 $ 1,830,500 $ 545,000
Muskegon, Michigan 2 $ 190,000 $ 95,000 $ 41,000
Shiawassee, Michigan 2 $ 173,000 $ 86,500 $ 33,000
St. Clair, Michigan 2 $ 315,000 $ 157,500 $ 63,000
Carver, Minnesota 2 $ 415,000 $ 207,500 $ 208,000
Olmsted, Minnesota 2 $ 199,000 $ 99,500 $ 48,000
Sherburne, Minnesota 2 $ 407,000 $ 203,500 $ 56,000
St. Louis, Minnesota 2 $ 120,000 $ 60,000 $ 78,000
DeSoto, Mississippi 2 $ 335,000 $ 167,500 $ 95,000
Gallatin, Montana 2 $ 345,000 $ 172,500 $ 64,000
Grafton, New Hampshire 2 $ 335,000 $ 167,500 $ 67,000
Burlington, New Jersey 2 $ 1,645,000 $ 822,500 $ 251,000
Cape May, New Jersey 2 $ 923,000 $ 461,500 $ 166,000
Ocean, New Jersey 2 $ 864,000 $ 432,000 $ 331,000
Warren, New York 2 $ 672,000 $ 336,000 $ 113,000
Craven, North Carolina 2 $ 234,000 $ 117,000 $ 31,000
Nash, North Carolina 2 $ 181,000 $ 90,500 $ 164,000
Union, North Carolina 2 $ 442,000 $ 221,000 $ 147,000
Medina, Ohio 2 $ 246,000 $ 123,000 $ 70,000
Berks, Pennsylvania 2 $ 131,000 $ 65,500 $ 44,000
Carbon, Pennsylvania 2 $ 184,000 $ 92,000 $ 75,000
Erie, Pennsylvania 2 $ 245,000 $ 122,500 $ 111,000
Franklin, Pennsylvania 2 $ 248,000 $ 124,000 $ 41,000
Luzerne, Pennsylvania 2 $ 243,000 $ 121,500 $ 52,000
Davidson, Tennessee 2 $ 562,000 $ 281,000 $ 289,000
Dickson, Tennessee 2 $ 693,000 $ 346,500 $ 154,000
Hamilton, Tennessee 2 $ 183,000 $ 91,500 $ 49,000
Palo Pinto, Texas 2 $ 1,642,000 $ 821,000 $ 0
Washington, Utah 2 $ 663,000 $ 331,500 $ 140,000
Alexandria, Virginia 2 $ 857,000 $ 428,500 $ 110,000
Arlington, Virginia 2 $ 745,000 $ 372,500 $ 26,000
Caroline, Virginia 2 $ 290,000 $ 145,000 $ 58,000
Culpeper, Virginia 2 $ 367,000 $ 183,500 $ 47,000
Gloucester, Virginia 2 $ 948,000 $ 474,000 $ 328,000
Goochland, Virginia 2 $ 455,000 $ 227,500 $ 70,000
Greene, Virginia 2 $ 181,000 $ 90,500 $ 55,000
Hanover, Virginia 2 $ 425,000 $ 212,500 $ 66,000
Madison, Virginia 2 $ 251,000 $ 125,500 $ 76,000
Manassas Park, Virginia 2 $ 336,000 $ 168,000 $ 65,000
Orange, Virginia 2 $ 363,000 $ 181,500 $ 56,000
Warren, Virginia 2 $ 307,000 $ 153,500 $ 85,000
York, Virginia 2 $ 359,000 $ 179,500 $ 71,000
Kitsap, Washington 2 $ 1,475,000 $ 737,500 $ 397,000
Spokane, Washington 2 $ 515,000 $ 257,500 $ 113,000
Yakima, Washington 2 $ 190,000 $ 95,000 $ 31,000
Jefferson, West Virginia 2 $ 253,000 $ 126,500 $ 36,000
Kenosha, Wisconsin 2 $ 354,000 $ 177,000 $ 53,000
Pierce, Wisconsin 2 $ 285,000 $ 142,500 $ 112,000
Calhoun, Alabama 1 $ 67,000 $ 67,000 $ 44,000
Etowah, Alabama 1 $ 55,000 $ 55,000 $ 38,000
Walker, Alabama 1 $ 89,000 $ 89,000 $ 14,000
Kenai Peninsula, Alaska 1 $ 114,000 $ 114,000 $ 88,000
Coconino, Arizona 1 $ 330,000 $ 330,000 $ 88,000
Independence, Arkansas 1 $ 160,000 $ 160,000 $ 65,000
Madera, California 1 $ 190,000 $ 190,000 $ 63,000
Marin, California 1 $ 168,000 $ 168,000 $ 0
Mariposa, California 1 $ 185,000 $ 185,000 $ 57,000
Mendocino, California 1 $ 300,000 $ 300,000 $ 105,000
Modoc, California 1 $ 150,000 $ 150,000 $ 469,000
Mono, California 1 $ 227,000 $ 227,000 $ 84,000
Placer, California 1 $ 1,980,000 $ 1,980,000 $ 780,000
Santa Clara, California 1 $ 270,000 $ 270,000 $ 65,000
Siskiyou, California 1 $ 125,000 $ 125,000 $ 95,000
Sutter, California 1 $ 115,000 $ 115,000 $ 53,000
Tuolumne, California 1 $ 130,000 $ 130,000 $ 42,000
Arapahoe, Colorado 1 $ 525,000 $ 525,000 $ 0
Boulder, Colorado 1 $ 1,540,000 $ 1,540,000 $ 487,000
Denver, Colorado 1 $ 74,000 $ 74,000 $ 17,000
La Plata, Colorado 1 $ 281,000 $ 281,000 $ 28,000
Phillips, Colorado 1 $ 138,000 $ 138,000 $ 60,000
Summit, Colorado 1 $ 595,000 $ 595,000 $ 157,000
Alachua, Florida 1 $ 85,000 $ 85,000 $ 39,000
Flagler, Florida 1 $ 226,000 $ 226,000 $ 50,000
Hamilton, Florida 1 $ 105,000 $ 105,000 $ 60,000
Hendry, Florida 1 $ 111,000 $ 111,000 $ 59,000
Hernando, Florida 1 $ 156,000 $ 156,000 $ 55,000
Highlands, Florida 1 $ 80,000 $ 80,000 $ 32,000
Holmes, Florida 1 $ 185,000 $ 185,000 $ 174,000
Indian River, Florida 1 $ 84,000 $ 84,000 $ 47,000
Levy, Florida 1 $ 96,000 $ 96,000 $ 27,000
Martin, Florida 1 $ 147,000 $ 147,000 $ 55,000
Monroe, Florida 1 $ 260,000 $ 260,000 $ 156,000
Putnam, Florida 1 $ 122,000 $ 122,000 $ 77,000
Santa Rosa, Florida 1 $ 91,000 $ 91,000 $ 39,000
St. Johns, Florida 1 $ 160,000 $ 160,000 $ 59,000
Camden, Georgia 1 $ 124,000 $ 124,000 $ 78,000
Chatham, Georgia 1 $ 91,000 $ 91,000 $ 129,000
Douglas, Georgia 1 $ 518,000 $ 518,000 $ 125,000
Forsyth, Georgia 1 $ 440,000 $ 440,000 $ 0
Glynn, Georgia 1 $ 625,000 $ 625,000 $ 135,000
Sumter, Georgia 1 $ 204,000 $ 204,000 $ 132,000
Ada, Idaho 1 $ 126,000 $ 126,000 $ 63,000
Canyon, Idaho 1 $ 122,000 $ 122,000 $ 57,000
Boone, Illinois 1 $ 200,000 $ 200,000 $ 59,000
DeKalb, Illinois 1 $ 170,000 $ 170,000 $ 63,000
Fulton, Illinois 1 $ 80,000 $ 80,000 $ 33,000
Lee, Illinois 1 $ 91,000 $ 91,000 $ 58,000
McLean, Illinois 1 $ 92,000 $ 92,000 $ 48,000
Peoria, Illinois 1 $ 60,000 $ 60,000 $ 77,000
Hamilton, Indiana 1 $ 165,000 $ 165,000 $ 45,000
Hancock, Indiana 1 $ 104,000 $ 104,000 $ 85,000
Johnson, Indiana 1 $ 254,000 $ 254,000 $ 0
Kosciusko, Indiana 1 $ 145,000 $ 145,000 $ 72,000
Monroe, Indiana 1 $ 90,000 $ 90,000 $ 32,000
Owen, Indiana 1 $ 119,000 $ 119,000 $ 240,000
Dallas, Iowa 1 $ 135,000 $ 135,000 $ 0
Polk, Iowa 1 $ 255,000 $ 255,000 $ 86,000
Warren, Iowa 1 $ 195,000 $ 195,000 $ 82,000
Washington, Iowa 1 $ 94,000 $ 94,000 $ 57,000
Johnson, Kansas 1 $ 418,000 $ 418,000 $ 198,000
Sedgwick, Kansas 1 $ 420,000 $ 420,000 $ 279,000
Boyle, Kentucky 1 $ 86,000 $ 86,000 $ 0
Campbell, Kentucky 1 $ 130,000 $ 130,000 $ 48,000
Fayette, Kentucky 1 $ 156,000 $ 156,000 $ 52,000
Jefferson, Kentucky 1 $ 54,000 $ 54,000 $ 20,000
Kenton, Kentucky 1 $ 780,000 $ 780,000 $ 98,000
Logan, Kentucky 1 $ 111,000 $ 111,000 $ 144,000
Oldham, Kentucky 1 $ 111,000 $ 111,000 $ 43,000
Avoyelles, Louisiana 1 $ 80,000 $ 80,000 $ 38,000
Iberville, Louisiana 1 $ 152,000 $ 152,000 $ 84,000
Jackson, Louisiana 1 $ 81,000 $ 81,000 $ 74,000
Jefferson, Louisiana 1 $ 131,000 $ 131,000 $ 73,000
Livingston, Louisiana 1 $ 110,000 $ 110,000 $ 56,000
Morehouse, Louisiana 1 $ 121,000 $ 121,000 $ 56,000
Natchitoches, Louisiana 1 $ 1,050,000 $ 1,050,000 $ 0
St. John the Baptist, Louisiana 1 $ 98,000 $ 98,000 $ 60,000
Tangipahoa, Louisiana 1 $ 196,000 $ 196,000 $ 103,000
Franklin, Maine 1 $ 217,000 $ 217,000 $ 89,000
Lincoln, Maine 1 $ 250,000 $ 250,000 $ 280,000
York, Maine 1 $ 187,000 $ 187,000 $ 61,000
Dorchester, Maryland 1 $ 190,000 $ 190,000 $ 59,000
Garrett, Maryland 1 $ 108,000 $ 108,000 $ 34,000
Dukes, Massachusetts 1 $ 2,250,000 $ 2,250,000 $ 4,200,000
Essex, Massachusetts 1 $ 244,000 $ 244,000 $ 178,000
Middlesex, Massachusetts 1 $ 340,000 $ 340,000 $ 294,000
Plymouth, Massachusetts 1 $ 95,000 $ 95,000 $ 21,000
Worcester, Massachusetts 1 $ 185,000 $ 185,000 $ 104,000
Alger, Michigan 1 $ 90,000 $ 90,000 $ 29,000
Allegan, Michigan 1 $ 116,000 $ 116,000 $ 56,000
Bay, Michigan 1 $ 85,000 $ 85,000 $ 26,000
Calhoun, Michigan 1 $ 165,000 $ 165,000 $ 54,000
Cheboygan, Michigan 1 $ 165,000 $ 165,000 $ 89,000
Genesee, Michigan 1 $ 325,000 $ 325,000 $ 260,000
Ingham, Michigan 1 $ 80,000 $ 80,000 $ 58,000
Kalamazoo, Michigan 1 $ 119,000 $ 119,000 $ 36,000
Livingston, Michigan 1 $ 137,000 $ 137,000 $ 90,000
Monroe, Michigan 1 $ 130,000 $ 130,000 $ 38,000
Saginaw, Michigan 1 $ 182,000 $ 182,000 $ 93,000
Tuscola, Michigan 1 $ 105,000 $ 105,000 $ 39,000
Beltrami, Minnesota 1 $ 96,000 $ 96,000 $ 42,000
Blue Earth, Minnesota 1 $ 850,000 $ 850,000 $ 246,000
Cass, Minnesota 1 $ 80,000 $ 80,000 $ 48,000
Douglas, Minnesota 1 $ 65,000 $ 65,000 $ 23,000
Itasca, Minnesota 1 $ 67,000 $ 67,000 $ 32,000
Kanabec, Minnesota 1 $ 60,000 $ 60,000 $ 28,000
McLeod, Minnesota 1 $ 182,000 $ 182,000 $ 83,000
Meeker, Minnesota 1 $ 135,000 $ 135,000 $ 55,000
Mille Lacs, Minnesota 1 $ 158,000 $ 158,000 $ 115,000
Morrison, Minnesota 1 $ 128,000 $ 128,000 $ 42,000
Otter Tail, Minnesota 1 $ 100,000 $ 100,000 $ 39,000
Rice, Minnesota 1 $ 132,000 $ 132,000 $ 21,000
Steele, Minnesota 1 $ 96,000 $ 96,000 $ 49,000
Todd, Minnesota 1 $ 112,000 $ 112,000 $ 32,000
Harrison, Mississippi 1 $ 195,000 $ 195,000 $ 425,000
Jackson, Mississippi 1 $ 170,000 $ 170,000 $ 109,000
Madison, Mississippi 1 $ 231,000 $ 231,000 $ 92,000
Marshall, Mississippi 1 $ 137,000 $ 137,000 $ 59,000
Pearl River, Mississippi 1 $ 129,000 $ 129,000 $ 62,000
Cape Girardeau, Missouri 1 $ 340,000 $ 340,000 $ 115,000
Cass, Missouri 1 $ 114,000 $ 114,000 $ 109,000
Dallas, Missouri 1 $ 70,000 $ 70,000 $ 44,000
Jackson, Missouri 1 $ 146,000 $ 146,000 $ 76,000
Jefferson, Missouri 1 $ 141,000 $ 141,000 $ 62,000
Flathead, Montana 1 $ 490,000 $ 490,000 $ 2,330,000
Missoula, Montana 1 $ 208,000 $ 208,000 $ 119,000
Valley, Montana 1 $ 196,000 $ 196,000 $ 119,000
Storey, Nevada 1 $ 163,000 $ 163,000 $ 40,000
Cheshire, New Hampshire 1 $ 38,000 $ 38,000 $ 110,000
Coos, New Hampshire 1 $ 107,000 $ 107,000 $ 135,000
Strafford, New Hampshire 1 $ 149,000 $ 149,000 $ 60,000
Sullivan, New Hampshire 1 $ 210,000 $ 210,000 $ 109,000
Gloucester, New Jersey 1 $ 425,000 $ 425,000 $ 124,000
Bernalillo, New Mexico 1 $ 936,000 $ 936,000 $ 351,000
Taos, New Mexico 1 $ 1,100,000 $ 1,100,000 $ 240,000
Albany, New York 1 $ 124,000 $ 124,000 $ 170,000
Cayuga, New York 1 $ 116,000 $ 116,000 $ 73,000
Erie, New York 1 $ 155,000 $ 155,000 $ 48,000
Jefferson, New York 1 $ 310,000 $ 310,000 $ 53,000
Montgomery, New York 1 $ 150,000 $ 150,000 $ 70,000
Oneida, New York 1 $ 326,000 $ 326,000 $ 205,000
Putnam, New York 1 $ 234,000 $ 234,000 $ 109,000
Rensselaer, New York 1 $ 119,000 $ 119,000 $ 71,000
Schoharie, New York 1 $ 715,000 $ 715,000 $ 308,000
Sullivan, New York 1 $ 143,000 $ 143,000 $ 52,000
Alamance, North Carolina 1 $ 65,000 $ 65,000 $ 19,000
Brunswick, North Carolina 1 $ 672,000 $ 672,000 $ 206,000
Buncombe, North Carolina 1 $ 1,040,000 $ 1,040,000 $ 350,000
Camden, North Carolina 1 $ 114,000 $ 114,000 $ 79,000
Columbus, North Carolina 1 $ 105,000 $ 105,000 $ 43,000
Currituck, North Carolina 1 $ 168,000 $ 168,000 $ 59,000
Dare, North Carolina 1 $ 168,000 $ 168,000 $ 51,000
Forsyth, North Carolina 1 $ 102,000 $ 102,000 $ 68,000
Franklin, North Carolina 1 $ 60,000 $ 60,000 $ 56,000
Guilford, North Carolina 1 $ 135,000 $ 135,000 $ 114,000
Johnston, North Carolina 1 $ 110,000 $ 110,000 $ 103,000
Lincoln, North Carolina 1 $ 160,000 $ 160,000 $ 50,000
Macon, North Carolina 1 $ 122,000 $ 122,000 $ 108,000
New Hanover, North Carolina 1 $ 182,000 $ 182,000 $ 73,000
Yancey, North Carolina 1 $ 137,000 $ 137,000 $ 73,000
Cass, North Dakota 1 $ 137,000 $ 137,000 $ 48,000
Delaware, Ohio 1 $ 162,000 $ 162,000 $ 78,000
Fairfield, Ohio 1 $ 367,000 $ 367,000 $ 90,000
Geauga, Ohio 1 $ 200,000 $ 200,000 $ 120,000
Meigs, Ohio 1 $ 65,000 $ 65,000 $ 18,000
Montgomery, Ohio 1 $ 600,000 $ 600,000 $ 327,000
Stark, Ohio 1 $ 141,000 $ 141,000 $ 55,000
Wayne, Ohio 1 $ 159,000 $ 159,000 $ 107,000
Cherokee, Oklahoma 1 $ 150,000 $ 150,000 $ 54,000
Garvin, Oklahoma 1 $ 149,000 $ 149,000 $ 90,000
Logan, Oklahoma 1 $ 280,000 $ 280,000 $ 113,000
Clatsop, Oregon 1 $ 93,000 $ 93,000 $ 0
Columbia, Oregon 1 $ 176,000 $ 176,000 $ 58,000
Deschutes, Oregon 1 $ 277,000 $ 277,000 $ 120,000
Jackson, Oregon 1 $ 180,000 $ 180,000 $ 101,000
Jefferson, Oregon 1 $ 123,000 $ 123,000 $ 52,000
Klamath, Oregon 1 $ 140,000 $ 140,000 $ 54,000
Linn, Oregon 1 $ 291,000 $ 291,000 $ 54,000
Marion, Oregon 1 $ 166,000 $ 166,000 $ 0
Umatilla, Oregon 1 $ 180,000 $ 180,000 $ 49,000
Washington, Oregon 1 $ 245,000 $ 245,000 $ 45,000
Butler, Pennsylvania 1 $ 207,000 $ 207,000 $ 180,000
Lackawanna, Pennsylvania 1 $ 60,000 $ 60,000 $ 38,000
Lawrence, Pennsylvania 1 $ 81,000 $ 81,000 $ 38,000
Schuylkill, Pennsylvania 1 $ 70,000 $ 70,000 $ 52,000
Westmoreland, Pennsylvania 1 $ 98,000 $ 98,000 $ 60,000
Bristol, Rhode Island 1 $ 348,000 $ 348,000 $ 169,000
Charleston, South Carolina 1 $ 910,000 $ 910,000 $ 256,000
York, South Carolina 1 $ 569,000 $ 569,000 $ 1,680,000
Lawrence, South Dakota 1 $ 300,000 $ 300,000 $ 168,000
Anderson, Tennessee 1 $ 320,000 $ 320,000 $ 585,000
Bledsoe, Tennessee 1 $ 111,000 $ 111,000 $ 37,000
Blount, Tennessee 1 $ 1,400,000 $ 1,400,000 $ 1,341,000
Campbell, Tennessee 1 $ 163,000 $ 163,000 $ 0
Carter, Tennessee 1 $ 130,000 $ 130,000 $ 48,000
Cumberland, Tennessee 1 $ 151,000 $ 151,000 $ 68,000
Gibson, Tennessee 1 $ 63,000 $ 63,000 $ 50,000
Jefferson, Tennessee 1 $ 688,000 $ 688,000 $ 0
Putnam, Tennessee 1 $ 50,000 $ 50,000 $ 0
Robertson, Tennessee 1 $ 96,000 $ 96,000 $ 68,000
Rutherford, Tennessee 1 $ 195,000 $ 195,000 $ 70,000
Sumner, Tennessee 1 $ 306,000 $ 306,000 $ 70,000
Washington, Tennessee 1 $ 112,000 $ 112,000 $ 31,000
White, Tennessee 1 $ 198,000 $ 198,000 $ 96,000
Williamson, Tennessee 1 $ 96,000 $ 96,000 $ 47,000
Aransas, Texas 1 $ 132,000 $ 132,000 $ 181,000
Bell, Texas 1 $ 93,000 $ 93,000 $ 52,000
Blanco, Texas 1 $ 349,000 $ 349,000 $ 312,000
Bowie, Texas 1 $ 298,000 $ 298,000 $ 404,000
Denton, Texas 1 $ 540,000 $ 540,000 $ 106,000
El Paso, Texas 1 $ 260,000 $ 260,000 $ 0
Hidalgo, Texas 1 $ 106,000 $ 106,000 $ 101,000
Nueces, Texas 1 $ 116,000 $ 116,000 $ 58,000
Tarrant, Texas 1 $ 1,400,000 $ 1,400,000 $ 924,000
Travis, Texas 1 $ 145,000 $ 145,000 $ 29,000
Davis, Utah 1 $ 83,000 $ 83,000 $ 37,000
Salt Lake, Utah 1 $ 480,000 $ 480,000 $ 120,000
Chittenden, Vermont 1 $ 440,000 $ 440,000 $ 135,000
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Mortgage Loan Application Detail Totals for Eastern Savings Bank, FSB in 2006

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 2,649 $685,829,000 $258,000 $15,000,000 $98,000 $4,200,000
Home Purchase 177 $107,574,000 $607,000 $10,000,000 $272,000 $3,600,000
Home Improvement 132 $28,962,000 $219,000 $3,000,000 $122,000 $5,620,000

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 1,131 $306,324,000 $270,000 $5,040,000 $119,000 $5,620,000
Black or African American 801 $172,713,000 $215,000 $7,300,000 $91,000 $3,141,000
Not Provided 781 $232,549,000 $297,000 $8,500,000 $119,000 $3,600,000
Hispanic 166 $32,433,000 $195,000 $750,000 $85,000 $1,201,000
Not applicable 27 $53,825,000 $1,993,000 $15,000,000 $12,000 $157,000
Asian 23 $16,938,000 $736,000 $7,350,000 $259,000 $1,861,000
Native Hawaiian or Other Pacific Islander 17 $5,450,000 $320,000 $750,000 $90,000 $175,000
American Indian or Alaskan Native 12 $2,133,000 $177,000 $405,000 $98,000 $456,000

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) 2,958 $822,365,000 $278,000 $15,000,000 $109,000 $5,620,000
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
Loan Originated 1,340 $347,473,000 $259,000 $15,000,000 $98,000 $5,620,000
Application Withdrawn By Applicant 587 $181,900,000 $309,000 $8,500,000 $129,000 $3,141,000
Application Denied By Financial Institution 577 $180,968,000 $313,000 $6,500,000 $132,000 $4,200,000
File Closed For Incompleteness 385 $95,105,000 $247,000 $1,980,000 $91,000 $1,201,000
Application Approved But Not Accepted 69 $16,919,000 $245,000 $1,200,000 $78,000 $391,000
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 375 $107,137,000 $285,000 $2,250,000 $117,000 $4,200,000
Other 75 $34,797,000 $463,000 $6,500,000 $196,000 $3,600,000
Debt-To-Income Ratio 49 $14,225,000 $290,000 $1,800,000 $80,000 $420,000
Insufficient Cash (Downpayment, Closing Cost) 30 $10,928,000 $364,000 $1,470,000 $164,000 $1,166,000
Unverifiable Information 27 $9,337,000 $345,000 $1,900,000 $277,000 $2,786,000
Credit History 10 $2,490,000 $249,000 $595,000 $76,000 $163,000
Credit Application Incomplete 8 $1,670,000 $208,000 $273,000 $73,000 $102,000
Employment History 3 $384,000 $128,000 $149,000 $59,000 $72,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Eastern Savings Bank, FSB's 2006 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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