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records Eastern Savings Bank, FSB filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | 317 | $ 74,632,000 | $ 235,432 | $ 85,936 |
| Chicago-Naperville-Joliet, IL | 285 | $ 51,922,000 | $ 182,182 | $ 68,000 |
| Baltimore-Towson, MD | 257 | $ 45,981,000 | $ 178,914 | $ 66,000 |
| New York-White Plains-Wayne, NY-NJ | 165 | $ 119,696,000 | $ 725,430 | $ 216,969 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 104 | $ 16,126,000 | $ 155,057 | $ 67,913 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 96 | $ 17,048,000 | $ 177,583 | $ 88,500 |
| Nassau-Suffolk, NY | 77 | $ 26,618,000 | $ 345,688 | $ 130,000 |
| Bridgeport-Stamford-Norwalk, CT | 59 | $ 24,429,000 | $ 414,050 | $ 165,000 |
| New Haven-Milford, CT | 59 | $ 9,932,000 | $ 168,338 | $ 72,000 |
| Philadelphia, PA | 53 | $ 13,069,000 | $ 246,584 | $ 92,000 |
| Hartford-West Hartford-East Hartford, CT | 49 | $ 10,879,000 | $ 222,020 | $ 85,000 |
| Bethesda-Gaithersburg-Frederick, MD | 48 | $ 13,124,000 | $ 273,416 | $ 105,000 |
| Orlando-Kissimmee, FL | 47 | $ 7,942,000 | $ 168,978 | $ 80,000 |
| Phoenix-Mesa-Scottsdale, AZ | 42 | $ 12,261,000 | $ 291,928 | $ 122,000 |
| Wilmington, DE-MD-NJ | 41 | $ 5,521,000 | $ 134,658 | $ 57,853 |
| Tampa-St. Petersburg-Clearwater, FL | 40 | $ 6,611,000 | $ 165,275 | $ 67,000 |
| Los Angeles-Long Beach-Glendale, CA | 38 | $ 23,655,000 | $ 622,500 | $ 305,000 |
| Providence-New Bedford-Fall River, RI-MA | 36 | $ 7,398,000 | $ 205,500 | $ 98,000 |
| Riverside-San Bernardino-Ontario, CA | 33 | $ 10,802,000 | $ 327,333 | $ 137,000 |
| Milwaukee-Waukesha-West Allis, WI | 32 | $ 4,325,000 | $ 135,156 | $ 68,000 |
| Richmond, VA | 28 | $ 3,589,000 | $ 128,178 | $ 52,000 |
| Warren-Troy-Farmington Hills, MI | 25 | $ 10,054,000 | $ 402,160 | $ 178,000 |
| Miami-Miami Beach-Kendall, FL | 23 | $ 12,250,000 | $ 532,608 | $ 130,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 23 | $ 6,007,000 | $ 261,173 | $ 113,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 22 | $ 5,106,000 | $ 232,090 | $ 76,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 21 | $ 2,921,000 | $ 139,095 | $ 55,000 |
| Palm Bay-Melbourne-Titusville, FL | 18 | $ 2,836,000 | $ 157,555 | $ 56,000 |
| Lake County-Kenosha County, IL-WI | 17 | $ 9,446,000 | $ 555,647 | $ 121,823 |
| Pittsburgh, PA | 17 | $ 2,780,000 | $ 163,529 | $ 70,000 |
| Seattle-Bellevue-Everett, WA | 16 | $ 7,879,000 | $ 492,437 | $ 128,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 15 | $ 2,778,000 | $ 185,200 | $ 97,000 |
| St. Louis, MO-IL | 15 | $ 1,966,000 | $ 131,066 | $ 91,466 |
| Sarasota-Bradenton-Venice, FL | 14 | $ 3,761,000 | $ 268,642 | $ 80,000 |
| Baton Rouge, LA | 13 | $ 3,198,000 | $ 246,000 | $ 117,000 |
| Honolulu, HI | 13 | $ 11,611,000 | $ 893,153 | $ 217,000 |
| Newark-Union, NJ-PA | 13 | $ 7,854,000 | $ 604,153 | $ 302,923 |
| Tacoma, WA | 13 | $ 2,109,000 | $ 162,230 | $ 66,000 |
| Cape Coral-Fort Myers, FL | 12 | $ 2,263,000 | $ 188,583 | $ 58,000 |
| Lakeland, FL | 12 | $ 1,610,000 | $ 134,166 | $ 56,000 |
| Edison, NJ | 11 | $ 10,795,000 | $ 981,363 | $ 278,000 |
| San Francisco-San Mateo-Redwood City, CA | 11 | $ 17,705,000 | $ 1,609,545 | $ 452,000 |
| Charlotte-Gastonia-Concord, NC-SC | 10 | $ 3,662,000 | $ 366,200 | $ 363,300 |
| Jacksonville, FL | 10 | $ 1,794,000 | $ 179,400 | $ 73,000 |
| Portland-Vancouver-Beaverton, OR-WA | 10 | $ 2,409,000 | $ 240,900 | $ 78,500 |
| Allentown-Bethlehem-Easton, PA-NJ | 9 | $ 1,155,000 | $ 128,333 | $ 61,000 |
| Norwich-New London, CT | 9 | $ 1,068,000 | $ 118,666 | $ 49,000 |
| Port St. Lucie-Fort Pierce, FL | 9 | $ 1,300,000 | $ 144,444 | $ 53,000 |
| Detroit-Livonia-Dearborn, MI | 8 | $ 1,115,000 | $ 139,375 | $ 61,000 |
| Las Vegas-Paradise, NV | 8 | $ 1,300,000 | $ 162,500 | $ 63,000 |
| Nashville-Davidson--Murfreesboro, TN | 8 | $ 1,948,000 | $ 243,500 | $ 142,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 8 | $ 5,541,000 | $ 692,625 | $ 309,000 |
| Birmingham-Hoover, AL | 7 | $ 2,069,000 | $ 295,571 | $ 102,000 |
| Boston-Quincy, MA | 7 | $ 4,825,000 | $ 689,285 | $ 197,000 |
| Charlottesville, VA | 7 | $ 896,000 | $ 128,000 | $ 46,000 |
| Cincinnati-Middletown, OH-KY-IN | 7 | $ 2,098,000 | $ 299,714 | $ 103,714 |
| Indianapolis-Carmel, IN | 7 | $ 968,000 | $ 138,285 | $ 62,000 |
| Memphis, TN-MS-AR | 7 | $ 2,796,000 | $ 399,428 | $ 168,142 |
| Oakland-Fremont-Hayward, CA | 7 | $ 3,086,000 | $ 440,857 | $ 166,000 |
| Raleigh-Cary, NC | 7 | $ 1,260,000 | $ 180,000 | $ 97,000 |
| Albany-Schenectady-Troy, NY | 6 | $ 1,784,000 | $ 297,333 | $ 164,000 |
| Atlanta-Sandy Springs-Marietta, GA | 6 | $ 2,090,000 | $ 348,333 | $ 152,000 |
| Cleveland-Elyria-Mentor, OH | 6 | $ 1,104,000 | $ 184,000 | $ 86,000 |
| Columbus, OH | 6 | $ 996,000 | $ 166,000 | $ 65,000 |
| Fresno, CA | 6 | $ 1,763,000 | $ 293,833 | $ 97,000 |
| Hagerstown-Martinsburg, MD-WV | 6 | $ 689,000 | $ 114,833 | $ 55,500 |
| Houston-Sugar Land-Baytown, TX | 6 | $ 997,000 | $ 166,166 | $ 120,000 |
| Knoxville, TN | 6 | $ 2,519,000 | $ 419,833 | $ 385,000 |
| San Diego-Carlsbad-San Marcos, CA | 6 | $ 1,630,000 | $ 271,666 | $ 53,000 |
| York-Hanover, PA | 6 | $ 794,000 | $ 132,333 | $ 58,000 |
| Bakersfield, CA | 5 | $ 1,711,000 | $ 342,200 | $ 175,000 |
| Dallas-Plano-Irving, TX | 5 | $ 8,635,000 | $ 1,727,000 | $ 1,447,000 |
| Glens Falls, NY | 5 | $ 3,992,000 | $ 798,400 | $ 251,000 |
| Mobile, AL | 5 | $ 780,000 | $ 156,000 | $ 65,000 |
| Salisbury, MD | 5 | $ 731,000 | $ 146,200 | $ 53,000 |
| Santa Ana-Anaheim-Irvine, CA | 5 | $ 3,561,000 | $ 712,200 | $ 892,000 |
| Tucson, AZ | 5 | $ 1,299,000 | $ 259,800 | $ 40,000 |
| Winchester, VA-WV | 5 | $ 545,000 | $ 109,000 | $ 61,000 |
| Akron, OH | 4 | $ 1,646,000 | $ 411,500 | $ 335,000 |
| Anchorage, AK | 4 | $ 627,000 | $ 156,750 | $ 42,000 |
| Barnstable Town, MA | 4 | $ 3,220,000 | $ 805,000 | $ 231,000 |
| Dover, DE | 4 | $ 556,000 | $ 139,000 | $ 46,000 |
| Fort Walton Beach-Crestview-Destin, FL | 4 | $ 387,000 | $ 96,750 | $ 73,000 |
| Gary, IN | 4 | $ 427,000 | $ 106,750 | $ 59,000 |
| Kingston, NY | 4 | $ 698,000 | $ 174,500 | $ 92,000 |
| New Orleans-Metairie-Kenner, LA | 4 | $ 1,052,000 | $ 263,000 | $ 48,000 |
| Ocala, FL | 4 | $ 1,025,000 | $ 256,250 | $ 115,000 |
| Pensacola-Ferry Pass-Brent, FL | 4 | $ 460,000 | $ 115,000 | $ 42,000 |
| Portland-South Portland-Biddeford, ME | 4 | $ 711,000 | $ 177,750 | $ 76,000 |
| Reno-Sparks, NV | 4 | $ 893,000 | $ 223,250 | $ 60,000 |
| Rockingham County-Strafford County, NH | 4 | $ 844,000 | $ 211,000 | $ 83,000 |
| Visalia-Porterville, CA | 4 | $ 931,000 | $ 232,750 | $ 81,000 |
| Ann Arbor, MI | 3 | $ 569,000 | $ 189,666 | $ 88,000 |
| Camden, NJ | 3 | $ 2,070,000 | $ 690,000 | $ 208,000 |
| Colorado Springs, CO | 3 | $ 821,000 | $ 273,666 | $ 90,000 |
| Des Moines-West Des Moines, IA | 3 | $ 585,000 | $ 195,000 | $ 56,000 |
| Harrisburg-Carlisle, PA | 3 | $ 582,000 | $ 194,000 | $ 140,000 |
| Kansas City, MO-KS | 3 | $ 678,000 | $ 226,000 | $ 127,333 |
| Lafayette, LA | 3 | $ 274,000 | $ 91,333 | $ 53,000 |
| Lancaster, PA | 3 | $ 402,000 | $ 134,000 | $ 67,000 |
| Manchester-Nashua, NH | 3 | $ 538,000 | $ 179,333 | $ 79,000 |
| Modesto, CA | 3 | $ 791,000 | $ 263,666 | $ 108,000 |
| Naples-Marco Island, FL | 3 | $ 1,270,000 | $ 423,333 | $ 249,000 |
| Rockford, IL | 3 | $ 402,000 | $ 134,000 | $ 55,000 |
| Santa Barbara-Santa Maria, CA | 3 | $ 2,662,000 | $ 887,333 | $ 42,000 |
| Scranton--Wilkes-Barre, PA | 3 | $ 303,000 | $ 101,000 | $ 47,000 |
| Shreveport-Bossier City, LA | 3 | $ 940,000 | $ 313,333 | $ 188,000 |
| Trenton-Ewing, NJ | 3 | $ 2,243,000 | $ 747,666 | $ 352,000 |
| Tuscaloosa, AL | 3 | $ 293,000 | $ 97,666 | $ 45,000 |
| Bloomington, IN | 2 | $ 209,000 | $ 104,500 | $ 136,000 |
| Boise City-Nampa, ID | 2 | $ 248,000 | $ 124,000 | $ 60,000 |
| Bremerton-Silverdale, WA | 2 | $ 1,475,000 | $ 737,500 | $ 397,000 |
| Chattanooga, TN-GA | 2 | $ 183,000 | $ 91,500 | $ 49,000 |
| Corpus Christi, TX | 2 | $ 248,000 | $ 124,000 | $ 119,000 |
| Denver-Aurora, CO | 2 | $ 599,000 | $ 299,500 | $ 8,000 |
| Duluth, MN-WI | 2 | $ 120,000 | $ 60,000 | $ 78,000 |
| El Centro, CA | 2 | $ 482,000 | $ 241,000 | $ 91,000 |
| Erie, PA | 2 | $ 245,000 | $ 122,500 | $ 111,000 |
| Johnson City, TN | 2 | $ 242,000 | $ 121,000 | $ 39,000 |
| Lewiston-Auburn, ME | 2 | $ 209,000 | $ 104,500 | $ 52,000 |
| Louisville-Jefferson County, KY-IN | 2 | $ 165,000 | $ 82,500 | $ 31,000 |
| Merced, CA | 2 | $ 407,000 | $ 203,500 | $ 68,000 |
| Muskegon-Norton Shores, MI | 2 | $ 190,000 | $ 95,000 | $ 41,000 |
| Ocean City, NJ | 2 | $ 923,000 | $ 461,500 | $ 166,000 |
| Punta Gorda, FL | 2 | $ 522,000 | $ 261,000 | $ 40,000 |
| Reading, PA | 2 | $ 131,000 | $ 65,500 | $ 44,000 |
| Redding, CA | 2 | $ 440,000 | $ 220,000 | $ 87,000 |
| Rochester, MN | 2 | $ 199,000 | $ 99,500 | $ 48,000 |
| Rocky Mount, NC | 2 | $ 181,000 | $ 90,500 | $ 164,000 |
| Salinas, CA | 2 | $ 1,240,000 | $ 620,000 | $ 170,000 |
| San Luis Obispo-Paso Robles, CA | 2 | $ 1,093,000 | $ 546,500 | $ 422,000 |
| Santa Cruz-Watsonville, CA | 2 | $ 1,370,000 | $ 685,000 | $ 228,000 |
| Santa Rosa-Petaluma, CA | 2 | $ 2,150,000 | $ 1,075,000 | $ 221,000 |
| South Bend-Mishawaka, IN-MI | 2 | $ 185,000 | $ 92,500 | $ 41,000 |
| Spokane, WA | 2 | $ 515,000 | $ 257,500 | $ 113,000 |
| St. George, UT | 2 | $ 663,000 | $ 331,500 | $ 140,000 |
| Stockton, CA | 2 | $ 541,000 | $ 270,500 | $ 63,000 |
| Tallahassee, FL | 2 | $ 414,000 | $ 207,000 | $ 87,000 |
| Vallejo-Fairfield, CA | 2 | $ 748,000 | $ 374,000 | $ 182,000 |
| Wilmington, NC | 2 | $ 854,000 | $ 427,000 | $ 139,000 |
| Yakima, WA | 2 | $ 190,000 | $ 95,000 | $ 31,000 |
| Yuma, AZ | 2 | $ 262,000 | $ 131,000 | $ 57,000 |
| Albuquerque, NM | 1 | $ 936,000 | $ 936,000 | $ 351,000 |
| Anniston-Oxford, AL | 1 | $ 67,000 | $ 67,000 | $ 44,000 |
| Asheville, NC | 1 | $ 1,040,000 | $ 1,040,000 | $ 350,000 |
| Austin-Round Rock, TX | 1 | $ 145,000 | $ 145,000 | $ 29,000 |
| Battle Creek, MI | 1 | $ 165,000 | $ 165,000 | $ 54,000 |
| Bay City, MI | 1 | $ 85,000 | $ 85,000 | $ 26,000 |
| Bend, OR | 1 | $ 277,000 | $ 277,000 | $ 120,000 |
| Bloomington-Normal, IL | 1 | $ 92,000 | $ 92,000 | $ 48,000 |
| Boulder, CO | 1 | $ 1,540,000 | $ 1,540,000 | $ 487,000 |
| Brunswick, GA | 1 | $ 625,000 | $ 625,000 | $ 135,000 |
| Buffalo-Niagara Falls, NY | 1 | $ 155,000 | $ 155,000 | $ 48,000 |
| Burlington, NC | 1 | $ 65,000 | $ 65,000 | $ 19,000 |
| Burlington-South Burlington, VT | 1 | $ 440,000 | $ 440,000 | $ 135,000 |
| Cambridge-Newton-Framingham, MA | 1 | $ 340,000 | $ 340,000 | $ 294,000 |
| Canton-Massillon, OH | 1 | $ 141,000 | $ 141,000 | $ 55,000 |
| Charleston-North Charleston, SC | 1 | $ 910,000 | $ 910,000 | $ 256,000 |
| Dayton, OH | 1 | $ 600,000 | $ 600,000 | $ 327,000 |
| El Paso, TX | 1 | $ 260,000 | $ 260,000 | $ 0 |
| Essex County, MA | 1 | $ 244,000 | $ 244,000 | $ 178,000 |
| Fargo, ND-MN | 1 | $ 137,000 | $ 137,000 | $ 48,000 |
| Flagstaff, AZ | 1 | $ 330,000 | $ 330,000 | $ 88,000 |
| Flint, MI | 1 | $ 325,000 | $ 325,000 | $ 260,000 |
| Fort Worth-Arlington, TX | 1 | $ 1,400,000 | $ 1,400,000 | $ 924,000 |
| Gadsden, AL | 1 | $ 55,000 | $ 55,000 | $ 38,000 |
| Gainesville, FL | 1 | $ 85,000 | $ 85,000 | $ 39,000 |
| Green Bay, WI | 1 | $ 180,000 | $ 180,000 | $ 0 |
| Greensboro-High Point, NC | 1 | $ 135,000 | $ 135,000 | $ 114,000 |
| Gulfport-Biloxi, MS | 1 | $ 195,000 | $ 195,000 | $ 425,000 |
| Harrisonburg, VA | 1 | $ 90,000 | $ 90,000 | $ 37,000 |
| Iowa City, IA | 1 | $ 94,000 | $ 94,000 | $ 57,000 |
| Jackson, MS | 1 | $ 231,000 | $ 231,000 | $ 92,000 |
| Kalamazoo-Portage, MI | 1 | $ 119,000 | $ 119,000 | $ 36,000 |
| Killeen-Temple-Fort Hood, TX | 1 | $ 93,000 | $ 93,000 | $ 52,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 93,000 | $ 93,000 | $ 71,000 |
| Lansing-East Lansing, MI | 1 | $ 80,000 | $ 80,000 | $ 58,000 |
| Lexington-Fayette, KY | 1 | $ 156,000 | $ 156,000 | $ 52,000 |
| Lynchburg, VA | 1 | $ 100,000 | $ 100,000 | $ 38,000 |
| Madera, CA | 1 | $ 190,000 | $ 190,000 | $ 63,000 |
| Madison, WI | 1 | $ 159,000 | $ 159,000 | $ 41,000 |
| McAllen-Edinburg-Mission, TX | 1 | $ 106,000 | $ 106,000 | $ 101,000 |
| Medford, OR | 1 | $ 180,000 | $ 180,000 | $ 101,000 |
| Missoula, MT | 1 | $ 208,000 | $ 208,000 | $ 119,000 |
| Monroe, MI | 1 | $ 130,000 | $ 130,000 | $ 38,000 |
| Morristown, TN | 1 | $ 688,000 | $ 688,000 | $ 0 |
| Ogden-Clearfield, UT | 1 | $ 83,000 | $ 83,000 | $ 37,000 |
| Oklahoma City, OK | 1 | $ 280,000 | $ 280,000 | $ 113,000 |
| Pascagoula, MS | 1 | $ 170,000 | $ 170,000 | $ 109,000 |
| Peoria, IL | 1 | $ 60,000 | $ 60,000 | $ 77,000 |
| Saginaw-Saginaw Township North, MI | 1 | $ 182,000 | $ 182,000 | $ 93,000 |
| Salem, OR | 1 | $ 166,000 | $ 166,000 | $ 0 |
| Salt Lake City, UT | 1 | $ 480,000 | $ 480,000 | $ 120,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 1 | $ 270,000 | $ 270,000 | $ 65,000 |
| Savannah, GA | 1 | $ 91,000 | $ 91,000 | $ 129,000 |
| Sebastian-Vero Beach, FL | 1 | $ 84,000 | $ 84,000 | $ 47,000 |
| Springfield, MO | 1 | $ 70,000 | $ 70,000 | $ 44,000 |
| Texarkana, Tx-Texarkana, AR | 1 | $ 298,000 | $ 298,000 | $ 404,000 |
| Utica-Rome, NY | 1 | $ 326,000 | $ 326,000 | $ 205,000 |
| Wausau, WI | 1 | $ 75,000 | $ 75,000 | $ 29,000 |
| Wenatchee, WA | 1 | $ 309,000 | $ 309,000 | $ 120,000 |
| Wichita, KS | 1 | $ 420,000 | $ 420,000 | $ 279,000 |
| Winston-Salem, NC | 1 | $ 102,000 | $ 102,000 | $ 68,000 |
| Worcester, MA | 1 | $ 185,000 | $ 185,000 | $ 104,000 |
| Yuba City, CA | 1 | $ 115,000 | $ 115,000 | $ 53,000 |
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.
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For a list of all lenders in Maryland, download the full spreadsheet
with aggregated HMDA statistics today.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
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