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records Eastern Savings Bank, FSB filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| New York-Wayne-White Plains, NY-NJ | 382 | $ 159,279,000 | $ 416,960 | $ 119,000 |
| Chicago-Naperville-Joliet, IL | 283 | $ 59,172,000 | $ 209,088 | $ 77,000 |
| Baltimore-Towson, MD | 273 | $ 43,270,000 | $ 158,498 | $ 69,000 |
| Nassau-Suffolk, NY | 247 | $ 95,427,000 | $ 386,344 | $ 130,000 |
| Boston-Quincy, MA | 237 | $ 77,045,000 | $ 325,084 | $ 86,000 |
| Los Angeles-Long Beach-Glendale, CA | 141 | $ 104,806,000 | $ 743,304 | $ 360,000 |
| Philadelphia, PA | 139 | $ 40,532,000 | $ 291,597 | $ 174,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 120 | $ 41,555,000 | $ 346,291 | $ 203,000 |
| Cambridge-Newton-Framingham, MA | 112 | $ 36,335,000 | $ 324,419 | $ 143,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 108 | $ 33,125,000 | $ 306,712 | $ 140,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 105 | $ 63,017,000 | $ 600,161 | $ 788,000 |
| Bethesda-Frederick-Gaithersburg, MD | 104 | $ 27,762,000 | $ 266,942 | $ 125,000 |
| Miami-Miami Beach-Kendall, FL | 101 | $ 79,231,000 | $ 784,465 | $ 902,000 |
| Providence-New Bedford-Fall River, RI-MA | 96 | $ 19,706,000 | $ 205,270 | $ 80,000 |
| Las Vegas-Paradise, NV | 94 | $ 37,344,000 | $ 397,276 | $ 128,000 |
| Riverside-San Bernardino-Ontario, CA | 79 | $ 28,245,000 | $ 357,531 | $ 92,000 |
| Bridgeport-Stamford-Norwalk, CT | 77 | $ 42,849,000 | $ 556,480 | $ 187,000 |
| Tampa-St. Petersburg-Clearwater, FL | 75 | $ 21,294,000 | $ 283,920 | $ 102,000 |
| Essex County, MA | 62 | $ 21,907,000 | $ 353,338 | $ 103,000 |
| Atlanta-Sandy Springs-Marietta, GA | 61 | $ 42,016,000 | $ 688,786 | $ 189,000 |
| Oakland-Fremont-Hayward, CA | 59 | $ 25,992,000 | $ 440,542 | $ 130,000 |
| Worcester, MA | 57 | $ 11,052,000 | $ 193,894 | $ 78,000 |
| Seattle-Bellevue-Everett, WA | 55 | $ 26,567,000 | $ 483,036 | $ 102,000 |
| Santa Ana-Anaheim-Irvine, CA | 51 | $ 40,101,000 | $ 786,294 | $ 347,000 |
| Warren-Farmington Hills-Troy, MI | 49 | $ 16,191,000 | $ 330,428 | $ 153,000 |
| Denver-Aurora, CO | 48 | $ 27,544,000 | $ 573,833 | $ 155,000 |
| Cleveland-Elyria-Mentor, OH | 47 | $ 15,284,000 | $ 325,191 | $ 133,000 |
| New Haven-Milford, CT | 44 | $ 10,870,000 | $ 247,045 | $ 75,000 |
| Orlando, FL | 44 | $ 18,525,000 | $ 421,022 | $ 122,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 41 | $ 10,944,000 | $ 266,926 | $ 72,000 |
| San Diego-Carlsbad-San Marcos, CA | 41 | $ 22,251,000 | $ 542,707 | $ 221,000 |
| Barnstable Town, MA | 36 | $ 12,813,000 | $ 355,916 | $ 97,000 |
| Detroit-Livonia-Dearborn, MI | 34 | $ 6,523,000 | $ 191,852 | $ 92,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 34 | $ 5,431,000 | $ 159,735 | $ 60,000 |
| Richmond, VA | 32 | $ 10,713,000 | $ 334,781 | $ 99,000 |
| Jacksonville, FL | 30 | $ 13,536,000 | $ 451,200 | $ 190,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 29 | $ 8,027,000 | $ 276,793 | $ 85,000 |
| Hartford-West Hartford-East Hartford, CT | 27 | $ 6,194,000 | $ 229,407 | $ 91,000 |
| Newark-Union, NJ-PA | 27 | $ 12,785,000 | $ 473,518 | $ 115,000 |
| St. Louis, MO-IL | 27 | $ 6,628,000 | $ 245,481 | $ 318,000 |
| Indianapolis, IN | 26 | $ 6,656,000 | $ 256,000 | $ 85,000 |
| Cincinnati-Middletown, OH-KY-IN | 25 | $ 5,078,000 | $ 203,120 | $ 160,000 |
| Naples-Marco Island, FL | 24 | $ 11,564,000 | $ 481,833 | $ 228,000 |
| Pittsburgh, PA | 22 | $ 3,005,000 | $ 136,590 | $ 109,000 |
| San Francisco-San Mateo-Redwood City, CA | 22 | $ 36,337,000 | $ 1,651,681 | $ 884,000 |
| Sarasota-Bradenton-Venice, FL | 22 | $ 6,013,000 | $ 273,318 | $ 87,000 |
| Columbus, OH | 21 | $ 7,860,000 | $ 374,285 | $ 116,000 |
| Reno-Sparks, NV | 21 | $ 11,918,000 | $ 567,523 | $ 66,000 |
| Port St. Lucie-Fort Pierce, FL | 20 | $ 14,763,000 | $ 738,150 | $ 509,000 |
| Portland-Vancouver-Beaverton, OR-WA | 20 | $ 5,653,000 | $ 282,650 | $ 131,000 |
| Cape Coral-Fort Myers, FL | 19 | $ 6,356,000 | $ 334,526 | $ 99,000 |
| Rockingham County-Strafford County, NH | 19 | $ 3,897,000 | $ 205,105 | $ 71,000 |
| Tacoma, WA | 19 | $ 3,589,000 | $ 188,894 | $ 91,000 |
| Wilmington, DE-MD-NJ | 17 | $ 2,508,000 | $ 147,529 | $ 65,000 |
| Akron, OH | 16 | $ 4,449,000 | $ 278,062 | $ 232,000 |
| Houston-Baytown-Sugar Land, TX | 15 | $ 18,988,000 | $ 1,265,866 | $ 406,000 |
| Lake County-Kenosha County, IL-WI | 15 | $ 1,963,000 | $ 130,866 | $ 49,000 |
| Vallejo-Fairfield, CA | 14 | $ 4,525,000 | $ 323,214 | $ 83,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 13 | $ 1,826,000 | $ 140,461 | $ 57,000 |
| Charlotte-Gastonia-Concord, NC-SC | 13 | $ 4,398,000 | $ 338,307 | $ 280,000 |
| Phoenix-Mesa-Scottsdale, AZ | 13 | $ 14,176,000 | $ 1,090,461 | $ 277,000 |
| Portland-South Portland-Biddeford, ME | 13 | $ 2,037,000 | $ 156,692 | $ 63,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 13 | $ 19,895,000 | $ 1,530,384 | $ 457,000 |
| Edison, NJ | 12 | $ 10,789,000 | $ 899,083 | $ 231,000 |
| Ocala, FL | 12 | $ 2,696,000 | $ 224,666 | $ 81,000 |
| Springfield, MA | 12 | $ 2,444,000 | $ 203,666 | $ 63,000 |
| Manchester-Nashua, NH | 11 | $ 3,147,000 | $ 286,090 | $ 226,000 |
| New Orleans-Metairie-Kenner, LA | 11 | $ 6,077,000 | $ 552,454 | $ 174,000 |
| Raleigh-Cary, NC | 11 | $ 3,780,000 | $ 343,636 | $ 99,000 |
| Salinas, CA | 11 | $ 9,000,000 | $ 818,181 | $ 124,000 |
| Ann Arbor, MI | 10 | $ 1,920,000 | $ 192,000 | $ 105,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 10 | $ 3,289,000 | $ 328,900 | $ 215,000 |
| Palm Bay-Melbourne-Titusville, FL | 10 | $ 2,220,000 | $ 222,000 | $ 153,000 |
| Dallas-Plano-Irving, TX | 9 | $ 11,569,000 | $ 1,285,444 | $ 307,000 |
| Gary, IN | 9 | $ 2,190,000 | $ 243,333 | $ 112,000 |
| Harrisburg-Carlisle, PA | 9 | $ 1,590,000 | $ 176,666 | $ 71,000 |
| Kingston, NY | 9 | $ 2,075,000 | $ 230,555 | $ 231,000 |
| Lakeland, FL | 9 | $ 1,725,000 | $ 191,666 | $ 53,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 9 | $ 12,435,000 | $ 1,381,666 | $ 990,000 |
| Colorado Springs, CO | 8 | $ 3,795,000 | $ 474,375 | $ 387,000 |
| Fort Walton Beach-Crestview-Destin, FL | 8 | $ 5,563,000 | $ 695,375 | $ 249,000 |
| Fresno, CA | 8 | $ 2,119,000 | $ 264,875 | $ 118,000 |
| Salt Lake City, UT | 8 | $ 6,705,000 | $ 838,125 | $ 310,000 |
| Stockton, CA | 8 | $ 1,723,000 | $ 215,375 | $ 73,000 |
| Toledo, OH | 8 | $ 2,934,000 | $ 366,750 | $ 133,000 |
| Birmingham-Hoover, AL | 7 | $ 3,260,000 | $ 465,714 | $ 235,000 |
| Honolulu, HI | 7 | $ 7,734,000 | $ 1,104,857 | $ 303,000 |
| Nashville-Davidson--Murfreesboro, TN | 7 | $ 5,643,000 | $ 806,142 | $ 203,000 |
| Norwich-New London, CT | 7 | $ 970,000 | $ 138,571 | $ 90,000 |
| Punta Gorda, FL | 7 | $ 1,356,000 | $ 193,714 | $ 178,000 |
| Tulsa, OK | 7 | $ 4,789,000 | $ 684,142 | $ 139,000 |
| York-Hanover, PA | 7 | $ 1,157,000 | $ 165,285 | $ 41,000 |
| Baton Rouge, LA | 6 | $ 1,396,000 | $ 232,666 | $ 217,000 |
| Buffalo-Niagara Falls, NY | 6 | $ 1,813,000 | $ 302,166 | $ 59,000 |
| Charleston-North Charleston, SC | 6 | $ 2,588,000 | $ 431,333 | $ 103,000 |
| Panama City-Lynn Haven, FL | 6 | $ 1,096,000 | $ 182,666 | $ 285,000 |
| Albuquerque, NM | 5 | $ 4,065,000 | $ 813,000 | $ 158,000 |
| Anchorage, AK | 5 | $ 835,000 | $ 167,000 | $ 77,000 |
| Bakersfield, CA | 5 | $ 1,221,000 | $ 244,200 | $ 92,000 |
| Camden, NJ | 5 | $ 2,200,000 | $ 440,000 | $ 174,000 |
| Dayton, OH | 5 | $ 654,000 | $ 130,800 | $ 53,000 |
| Dover, DE | 5 | $ 758,000 | $ 151,600 | $ 90,000 |
| Kansas City, MO-KS | 5 | $ 1,333,000 | $ 266,600 | $ 104,000 |
| Memphis, TN-MS-AR | 5 | $ 3,740,000 | $ 748,000 | $ 145,000 |
| Milwaukee-Waukesha-West Allis, WI | 5 | $ 686,000 | $ 137,200 | $ 64,000 |
| Modesto, CA | 5 | $ 1,121,000 | $ 224,200 | $ 67,000 |
| Pensacola-Ferry Pass-Brent, FL | 5 | $ 1,949,000 | $ 389,800 | $ 319,000 |
| Pittsfield, MA | 5 | $ 2,191,000 | $ 438,200 | $ 121,000 |
| Reading, PA | 5 | $ 828,000 | $ 165,600 | $ 83,000 |
| San Luis Obispo-Paso Robles, CA | 5 | $ 1,367,000 | $ 273,400 | $ 96,000 |
| Wichita, KS | 5 | $ 386,000 | $ 77,200 | $ 31,000 |
| Winston-Salem, NC | 5 | $ 632,000 | $ 126,400 | $ 46,000 |
| Youngstown-Warren-Boardman, OH-PA | 5 | $ 701,000 | $ 140,200 | $ 69,000 |
| Battle Creek, MI | 4 | $ 490,000 | $ 122,500 | $ 52,000 |
| Bremerton-Silverdale, WA | 4 | $ 984,000 | $ 246,000 | $ 77,000 |
| Canton-Massillon, OH | 4 | $ 1,034,000 | $ 258,500 | $ 179,000 |
| Eugene-Springfield, OR | 4 | $ 1,510,000 | $ 377,500 | $ 166,000 |
| Fort Collins-Loveland, CO | 4 | $ 1,743,000 | $ 435,750 | $ 124,000 |
| Grand Rapids-Wyoming, MI | 4 | $ 587,000 | $ 146,750 | $ 53,000 |
| Greeley, CO | 4 | $ 3,810,000 | $ 952,500 | $ 373,000 |
| Kankakee-Bradley, IL | 4 | $ 354,000 | $ 88,500 | $ 60,000 |
| Little Rock-North Little Rock, AR | 4 | $ 5,665,000 | $ 1,416,250 | $ 590,000 |
| Louisville, KY-IN | 4 | $ 612,000 | $ 153,000 | $ 78,000 |
| Madera, CA | 4 | $ 2,612,000 | $ 653,000 | $ 123,000 |
| Missoula, MT | 4 | $ 547,000 | $ 136,750 | $ 60,000 |
| Oklahoma City, OK | 4 | $ 663,000 | $ 165,750 | $ 49,000 |
| Olympia, WA | 4 | $ 727,000 | $ 181,750 | $ 83,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 4 | $ 2,591,000 | $ 647,750 | $ 119,000 |
| Santa Rosa-Petaluma, CA | 4 | $ 2,771,000 | $ 692,750 | $ 276,000 |
| Wilmington, NC | 4 | $ 938,000 | $ 234,500 | $ 88,000 |
| Winchester, VA-WV | 4 | $ 539,000 | $ 134,750 | $ 43,000 |
| Bellingham, WA | 3 | $ 819,000 | $ 273,000 | $ 99,000 |
| Boulder, CO | 3 | $ 658,000 | $ 219,333 | $ 70,000 |
| Burlington-South Burlington, VT | 3 | $ 490,000 | $ 163,333 | $ 65,000 |
| Columbia, SC | 3 | $ 980,000 | $ 326,666 | $ 110,000 |
| Durham, NC | 3 | $ 1,421,000 | $ 473,666 | $ 165,000 |
| Flint, MI | 3 | $ 822,000 | $ 274,000 | $ 80,000 |
| Fort Wayne, IN | 3 | $ 422,000 | $ 140,666 | $ 131,000 |
| Grand Junction, CO | 3 | $ 459,000 | $ 153,000 | $ 128,000 |
| Gulfport-Biloxi, MS | 3 | $ 870,000 | $ 290,000 | $ 302,000 |
| Holland-Grand Haven, MI | 3 | $ 361,000 | $ 120,333 | $ 65,000 |
| Kalamazoo-Portage, MI | 3 | $ 381,000 | $ 127,000 | $ 27,000 |
| Lansing-East Lansing, MI | 3 | $ 388,000 | $ 129,333 | $ 63,000 |
| Lexington-Fayette, KY | 3 | $ 870,000 | $ 290,000 | $ 35,000 |
| Ogden-Clearfield, UT | 3 | $ 1,385,000 | $ 461,666 | $ 187,000 |
| Omaha-Council Bluffs, NE-IA | 3 | $ 589,000 | $ 196,333 | $ 72,000 |
| Santa Cruz-Watsonville, CA | 3 | $ 1,875,000 | $ 625,000 | $ 162,000 |
| Tallahassee, FL | 3 | $ 520,000 | $ 173,333 | $ 23,000 |
| Utica-Rome, NY | 3 | $ 451,000 | $ 150,333 | $ 97,000 |
| Albany-Schenectady-Troy, NY | 2 | $ 4,107,000 | $ 2,053,500 | $ 436,000 |
| Anderson, IN | 2 | $ 115,000 | $ 57,500 | $ 54,000 |
| Atlantic City, NJ | 2 | $ 1,254,000 | $ 627,000 | $ 651,000 |
| Bangor, ME | 2 | $ 265,000 | $ 132,500 | $ 43,000 |
| Champaign-Urbana, IL | 2 | $ 193,000 | $ 96,500 | $ 60,000 |
| Charlottesville, VA | 2 | $ 610,000 | $ 305,000 | $ 170,000 |
| Chico, CA | 2 | $ 346,000 | $ 173,000 | $ 61,000 |
| Cumberland, MD-WV | 2 | $ 206,000 | $ 103,000 | $ 57,000 |
| Des Moines, IA | 2 | $ 241,000 | $ 120,500 | $ 61,000 |
| Duluth, MN-WI | 2 | $ 160,000 | $ 80,000 | $ 31,000 |
| Erie, PA | 2 | $ 121,000 | $ 60,500 | $ 29,000 |
| Evansville, IN-KY | 2 | $ 213,000 | $ 106,500 | $ 98,000 |
| Fort Worth-Arlington, TX | 2 | $ 1,335,000 | $ 667,500 | $ 173,000 |
| Gainesville, FL | 2 | $ 248,000 | $ 124,000 | $ 58,000 |
| Gainesville, GA | 2 | $ 1,523,000 | $ 761,500 | $ 4,999,000 |
| Greenville, NC | 2 | $ 77,000 | $ 38,500 | $ 30,000 |
| Hagerstown-Martinsburg, MD-WV | 2 | $ 337,000 | $ 168,500 | $ 70,000 |
| Huntsville, AL | 2 | $ 4,286,000 | $ 2,143,000 | $ 104,000 |
| Idaho Falls, ID | 2 | $ 250,000 | $ 125,000 | $ 69,000 |
| Jackson, MS | 2 | $ 242,000 | $ 121,000 | $ 41,000 |
| Jackson, TN | 2 | $ 170,000 | $ 85,000 | $ 35,000 |
| Knoxville, TN | 2 | $ 349,000 | $ 174,500 | $ 100,000 |
| Lancaster, PA | 2 | $ 246,000 | $ 123,000 | $ 18,000 |
| Merced, CA | 2 | $ 305,000 | $ 152,500 | $ 63,000 |
| Montgomery, AL | 2 | $ 342,000 | $ 171,000 | $ 40,000 |
| Napa, CA | 2 | $ 2,217,000 | $ 1,108,500 | $ 404,000 |
| Oshkosh-Neenah, WI | 2 | $ 301,000 | $ 150,500 | $ 78,000 |
| Provo-Orem, UT | 2 | $ 1,165,000 | $ 582,500 | $ 444,000 |
| Pueblo, CO | 2 | $ 787,000 | $ 393,500 | $ 480,000 |
| Redding, CA | 2 | $ 545,000 | $ 272,500 | $ 67,000 |
| Roanoke, VA | 2 | $ 277,000 | $ 138,500 | $ 43,000 |
| Rockford, IL | 2 | $ 653,000 | $ 326,500 | $ 0 |
| Salem, OR | 2 | $ 908,000 | $ 454,000 | $ 158,000 |
| Salisbury, MD | 2 | $ 696,000 | $ 348,000 | $ 298,000 |
| San Antonio, TX | 2 | $ 2,600,000 | $ 1,300,000 | $ 600,000 |
| Shreveport-Bossier City, LA | 2 | $ 265,000 | $ 132,500 | $ 32,000 |
| Spokane, WA | 2 | $ 499,000 | $ 249,500 | $ 237,000 |
| St. George, UT | 2 | $ 279,000 | $ 139,500 | $ 88,000 |
| Terre Haute, IN | 2 | $ 71,000 | $ 35,500 | $ 0 |
| Trenton-Ewing, NJ | 2 | $ 1,799,000 | $ 899,500 | $ 56,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 2 | $ 1,700,000 | $ 850,000 | $ 628,000 |
| Yakima, WA | 2 | $ 2,255,000 | $ 1,127,500 | $ 435,000 |
| Albany, GA | 1 | $ 340,000 | $ 340,000 | $ 313,000 |
| Altoona, PA | 1 | $ 144,000 | $ 144,000 | $ 42,000 |
| Appleton, WI | 1 | $ 137,000 | $ 137,000 | $ 50,000 |
| Asheville, NC | 1 | $ 75,000 | $ 75,000 | $ 42,000 |
| Austin-Round Rock, TX | 1 | $ 700,000 | $ 700,000 | $ 510,000 |
| Bay City, MI | 1 | $ 209,000 | $ 209,000 | $ 100,000 |
| Blacksburg-Christiansburg-Radford, VA | 1 | $ 111,000 | $ 111,000 | $ 52,000 |
| Brunswick, GA | 1 | $ 1,041,000 | $ 1,041,000 | $ 720,000 |
| Carson City, NV | 1 | $ 161,000 | $ 161,000 | $ 117,000 |
| Chattanooga, TN-GA | 1 | $ 176,000 | $ 176,000 | $ 102,000 |
| Cleveland, TN | 1 | $ 68,000 | $ 68,000 | $ 43,000 |
| Danville, VA | 1 | $ 163,000 | $ 163,000 | $ 78,000 |
| El Centro, CA | 1 | $ 217,000 | $ 217,000 | $ 121,000 |
| El Paso, TX | 1 | $ 539,000 | $ 539,000 | $ 234,000 |
| Flagstaff, AZ | 1 | $ 220,000 | $ 220,000 | $ 60,000 |
| Florence, SC | 1 | $ 48,000 | $ 48,000 | $ 57,000 |
| Harrisonburg, VA | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Hot Springs, AR | 1 | $ 130,000 | $ 130,000 | $ 24,000 |
| Houma-Bayou Cane-Thibodaux, LA | 1 | $ 475,000 | $ 475,000 | $ 536,000 |
| Huntington-Ashland, WV-KY-OH | 1 | $ 76,000 | $ 76,000 | $ 34,000 |
| Jackson, MI | 1 | $ 142,000 | $ 142,000 | $ 69,000 |
| Jacksonville, NC | 1 | $ 255,000 | $ 255,000 | $ 116,000 |
| Johnstown, PA | 1 | $ 91,000 | $ 91,000 | $ 37,000 |
| Las Cruces, NM | 1 | $ 335,000 | $ 335,000 | $ 156,000 |
| Lawrence, KS | 1 | $ 203,000 | $ 203,000 | $ 148,000 |
| Lincoln, NE | 1 | $ 320,000 | $ 320,000 | $ 71,000 |
| Madison, WI | 1 | $ 107,000 | $ 107,000 | $ 68,000 |
| Medford, OR | 1 | $ 202,000 | $ 202,000 | $ 48,000 |
| Michigan City-La Porte, IN | 1 | $ 136,000 | $ 136,000 | $ 98,000 |
| Monroe, MI | 1 | $ 74,000 | $ 74,000 | $ 37,000 |
| Mount Vernon-Anacortes, WA | 1 | $ 182,000 | $ 182,000 | $ 92,000 |
| Muskegon-Norton Shores, MI | 1 | $ 96,000 | $ 96,000 | $ 46,000 |
| Niles-Benton Harbor, MI | 1 | $ 87,000 | $ 87,000 | $ 48,000 |
| Ocean City, NJ | 1 | $ 350,000 | $ 350,000 | $ 114,000 |
| Peoria, IL | 1 | $ 845,000 | $ 845,000 | $ 264,000 |
| Prescott, AZ | 1 | $ 400,000 | $ 400,000 | $ 83,000 |
| Racine, WI | 1 | $ 105,000 | $ 105,000 | $ 50,000 |
| Rochester, MN | 1 | $ 102,000 | $ 102,000 | $ 53,000 |
| Saginaw-Saginaw Township North, MI | 1 | $ 66,000 | $ 66,000 | $ 24,000 |
| Savannah, GA | 1 | $ 450,000 | $ 450,000 | $ 241,000 |
| Scranton--Wilkes-Barre, PA | 1 | $ 277,000 | $ 277,000 | $ 80,000 |
| Sheboygan, WI | 1 | $ 107,000 | $ 107,000 | $ 27,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 90,000 | $ 90,000 | $ 60,000 |
| Spartanburg, SC | 1 | $ 378,000 | $ 378,000 | $ 134,000 |
| Syracuse, NY | 1 | $ 125,000 | $ 125,000 | $ 75,000 |
| Tuscaloosa, AL | 1 | $ 231,000 | $ 231,000 | $ 75,000 |
| Vero Beach, FL | 1 | $ 120,000 | $ 120,000 | $ 33,000 |
| Visalia-Porterville, CA | 1 | $ 273,000 | $ 273,000 | $ 64,000 |
| Wenatchee, WA | 1 | $ 116,000 | $ 116,000 | $ 30,000 |
| Williamsport, PA | 1 | $ 78,000 | $ 78,000 | $ 38,000 |
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.
For a list of all lenders in Maryland, download the full spreadsheet
with aggregated HMDA statistics today.
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