Eastern Savings Bank, FSB Mortgage Lending & HMDA Data, 2007
In 2007, Eastern Savings Bank, FSB of Hunt Valley, MD reported 3,698 mortgage applications totaling $1.0 billion, up 25% from 2006. The average application was for $280,254, and applicants reported an average income of $118,968. 36% of its applications resulted in an originated loan and 22% were denied. Its largest markets were Chicago-Naperville-Joliet, IL (360), Baltimore-Towson, MD (280) and New York-White Plains-Wayne, NY-NJ (218) (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 | 3,698 |
| Total Mortgage Loan Application Amount | $1,036,382,000 |
| Average Mortgage Loan Application Amount | $280,254 |
| Highest Mortgage Loan Application Amount | $24,000,000 |
| Average Applicant Income | $118,968 |
| 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records Eastern Savings Bank, FSB filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Chicago-Naperville-Joliet, IL | 360 | $ 67,315,000 | $ 186,986 | $ 78,000 |
| Baltimore-Towson, MD | 280 | $ 38,800,000 | $ 138,571 | $ 73,000 |
| New York-White Plains-Wayne, NY-NJ | 218 | $ 91,095,000 | $ 417,866 | $ 124,458 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 213 | $ 53,861,000 | $ 252,868 | $ 102,713 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 107 | $ 15,817,000 | $ 147,822 | $ 82,252 |
| Philadelphia, PA | 102 | $ 20,184,000 | $ 197,882 | $ 108,000 |
| Nassau-Suffolk, NY | 90 | $ 38,398,000 | $ 426,644 | $ 167,000 |
| Los Angeles-Long Beach-Glendale, CA | 76 | $ 49,557,000 | $ 652,065 | $ 372,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 74 | $ 13,363,000 | $ 180,581 | $ 85,824 |
| Riverside-San Bernardino-Ontario, CA | 70 | $ 18,789,000 | $ 268,414 | $ 113,000 |
| New Haven-Milford, CT | 59 | $ 11,106,000 | $ 188,237 | $ 84,000 |
| Miami-Miami Beach-Kendall, FL | 50 | $ 13,874,000 | $ 277,480 | $ 63,000 |
| Tampa-St. Petersburg-Clearwater, FL | 49 | $ 9,569,000 | $ 195,285 | $ 73,000 |
| Richmond, VA | 48 | $ 6,475,000 | $ 134,895 | $ 51,000 |
| Orlando-Kissimmee, FL | 42 | $ 11,947,000 | $ 284,452 | $ 290,000 |
| Phoenix-Mesa-Scottsdale, AZ | 42 | $ 9,783,000 | $ 232,928 | $ 106,000 |
| Providence-New Bedford-Fall River, RI-MA | 41 | $ 10,928,000 | $ 266,536 | $ 112,268 |
| Wilmington, DE-MD-NJ | 41 | $ 6,426,000 | $ 156,731 | $ 61,756 |
| Hartford-West Hartford-East Hartford, CT | 40 | $ 7,911,000 | $ 197,775 | $ 115,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 36 | $ 8,593,000 | $ 238,694 | $ 50,000 |
| Bridgeport-Stamford-Norwalk, CT | 35 | $ 39,127,000 | $ 1,117,914 | $ 110,000 |
| Newark-Union, NJ-PA | 34 | $ 19,570,000 | $ 575,588 | $ 109,058 |
| New Orleans-Metairie-Kenner, LA | 32 | $ 3,977,000 | $ 124,281 | $ 94,000 |
| Honolulu, HI | 28 | $ 13,055,000 | $ 466,250 | $ 239,000 |
| Bethesda-Gaithersburg-Frederick, MD | 27 | $ 6,189,000 | $ 229,222 | $ 70,000 |
| St. Louis, MO-IL | 27 | $ 4,070,000 | $ 150,740 | $ 86,740 |
| Atlanta-Sandy Springs-Marietta, GA | 24 | $ 5,704,000 | $ 237,666 | $ 199,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 24 | $ 6,202,000 | $ 258,416 | $ 95,000 |
| Milwaukee-Waukesha-West Allis, WI | 20 | $ 3,638,000 | $ 181,900 | $ 30,000 |
| Oakland-Fremont-Hayward, CA | 20 | $ 10,199,000 | $ 509,950 | $ 121,000 |
| Seattle-Bellevue-Everett, WA | 20 | $ 5,520,000 | $ 276,000 | $ 98,000 |
| Lake County-Kenosha County, IL-WI | 19 | $ 8,771,000 | $ 461,631 | $ 290,526 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 19 | $ 5,357,000 | $ 281,947 | $ 99,000 |
| Bakersfield, CA | 18 | $ 3,218,000 | $ 178,777 | $ 41,000 |
| Baton Rouge, LA | 18 | $ 2,706,000 | $ 150,333 | $ 66,000 |
| Cleveland-Elyria-Mentor, OH | 18 | $ 2,354,000 | $ 130,777 | $ 12,000 |
| Cape Coral-Fort Myers, FL | 17 | $ 5,674,000 | $ 333,764 | $ 57,000 |
| Las Vegas-Paradise, NV | 17 | $ 16,050,000 | $ 944,117 | $ 492,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 17 | $ 10,407,000 | $ 612,176 | $ 356,000 |
| Edison, NJ | 16 | $ 10,477,000 | $ 654,812 | $ 352,000 |
| Jacksonville, FL | 16 | $ 6,011,000 | $ 375,687 | $ 126,000 |
| Pittsburgh, PA | 16 | $ 2,223,000 | $ 138,937 | $ 60,000 |
| Boston-Quincy, MA | 15 | $ 6,358,000 | $ 423,866 | $ 329,000 |
| Warren-Troy-Farmington Hills, MI | 15 | $ 2,047,000 | $ 136,466 | $ 76,000 |
| Indianapolis-Carmel, IN | 14 | $ 2,467,000 | $ 176,214 | $ 45,000 |
| Kansas City, MO-KS | 14 | $ 2,330,000 | $ 166,428 | $ 112,000 |
| Norwich-New London, CT | 14 | $ 2,348,000 | $ 167,714 | $ 49,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 14 | $ 4,451,000 | $ 317,928 | $ 133,000 |
| Charlotte-Gastonia-Concord, NC-SC | 12 | $ 1,847,000 | $ 153,916 | $ 89,000 |
| Denver-Aurora, CO | 12 | $ 6,460,000 | $ 538,333 | $ 123,000 |
| Detroit-Livonia-Dearborn, MI | 12 | $ 1,181,000 | $ 98,416 | $ 37,000 |
| Port St. Lucie, FL | 12 | $ 3,239,000 | $ 269,916 | $ 43,000 |
| San Diego-Carlsbad-San Marcos, CA | 12 | $ 9,454,000 | $ 787,833 | $ 347,000 |
| Cincinnati-Middletown, OH-KY-IN | 11 | $ 1,604,000 | $ 145,818 | $ 70,818 |
| Houston-Sugar Land-Baytown, TX | 11 | $ 5,424,000 | $ 493,090 | $ 508,000 |
| Palm Bay-Melbourne-Titusville, FL | 11 | $ 2,013,000 | $ 183,000 | $ 35,000 |
| Portland-South Portland-Biddeford, ME | 11 | $ 1,826,000 | $ 166,000 | $ 99,000 |
| Portland-Vancouver-Beaverton, OR-WA | 11 | $ 3,923,000 | $ 356,636 | $ 99,363 |
| Allentown-Bethlehem-Easton, PA-NJ | 10 | $ 1,537,000 | $ 153,700 | $ 66,800 |
| Birmingham-Hoover, AL | 10 | $ 970,000 | $ 97,000 | $ 38,000 |
| Hagerstown-Martinsburg, MD-WV | 10 | $ 1,158,000 | $ 115,800 | $ 64,500 |
| Naples-Marco Island, FL | 10 | $ 1,964,000 | $ 196,400 | $ 35,000 |
| Santa Ana-Anaheim-Irvine, CA | 10 | $ 24,595,000 | $ 2,459,500 | $ 961,000 |
| Sarasota-Bradenton-Venice, FL | 10 | $ 3,083,000 | $ 308,300 | $ 69,000 |
| Asheville, NC | 9 | $ 1,843,000 | $ 204,777 | $ 73,000 |
| Columbus, OH | 9 | $ 1,706,000 | $ 189,555 | $ 79,000 |
| Harrisburg-Carlisle, PA | 9 | $ 1,351,000 | $ 150,111 | $ 98,000 |
| Memphis, TN-MS-AR | 9 | $ 3,739,000 | $ 415,444 | $ 183,000 |
| Wilmington, NC | 9 | $ 1,653,000 | $ 183,666 | $ 96,000 |
| Reading, PA | 8 | $ 1,047,000 | $ 130,875 | $ 111,000 |
| Rockingham County-Strafford County, NH | 8 | $ 1,917,000 | $ 239,625 | $ 113,000 |
| Salisbury, MD | 8 | $ 994,000 | $ 124,250 | $ 52,000 |
| Scranton--Wilkes-Barre, PA | 8 | $ 960,000 | $ 120,000 | $ 79,000 |
| Akron, OH | 7 | $ 1,315,000 | $ 187,857 | $ 36,000 |
| Boise City-Nampa, ID | 7 | $ 2,315,000 | $ 330,714 | $ 88,000 |
| Kingston, NY | 7 | $ 1,497,000 | $ 213,857 | $ 94,000 |
| Lakeland, FL | 7 | $ 825,000 | $ 117,857 | $ 77,000 |
| Mobile, AL | 7 | $ 599,000 | $ 85,571 | $ 84,000 |
| Ocala, FL | 7 | $ 1,404,000 | $ 200,571 | $ 64,000 |
| Oklahoma City, OK | 7 | $ 1,071,000 | $ 153,000 | $ 120,000 |
| Panama City-Lynn Haven, FL | 7 | $ 1,410,000 | $ 201,428 | $ 102,000 |
| Peabody, MA | 7 | $ 1,592,000 | $ 227,428 | $ 54,000 |
| Pensacola-Ferry Pass-Brent, FL | 7 | $ 1,071,000 | $ 153,000 | $ 26,000 |
| Raleigh-Cary, NC | 7 | $ 792,000 | $ 113,142 | $ 31,000 |
| Albany-Schenectady-Troy, NY | 6 | $ 1,063,000 | $ 177,166 | $ 92,000 |
| Dallas-Plano-Irving, TX | 6 | $ 4,366,000 | $ 727,666 | $ 867,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 6 | $ 814,000 | $ 135,666 | $ 28,000 |
| Fort Walton Beach-Crestview-Destin, FL | 6 | $ 957,000 | $ 159,500 | $ 16,000 |
| Gulfport-Biloxi, MS | 6 | $ 752,000 | $ 125,333 | $ 130,000 |
| Louisville-Jefferson County, KY-IN | 6 | $ 1,594,000 | $ 265,666 | $ 243,000 |
| Punta Gorda, FL | 6 | $ 1,288,000 | $ 214,666 | $ 89,000 |
| Shreveport-Bossier City, LA | 6 | $ 799,000 | $ 133,166 | $ 86,000 |
| Worcester, MA | 6 | $ 972,000 | $ 162,000 | $ 93,000 |
| York-Hanover, PA | 6 | $ 796,000 | $ 132,666 | $ 46,000 |
| Buffalo-Niagara Falls, NY | 5 | $ 603,000 | $ 120,600 | $ 71,000 |
| Chattanooga, TN-GA | 5 | $ 529,000 | $ 105,800 | $ 41,000 |
| Fresno, CA | 5 | $ 1,860,000 | $ 372,000 | $ 91,000 |
| Jackson, MS | 5 | $ 792,000 | $ 158,400 | $ 72,000 |
| Knoxville, TN | 5 | $ 563,000 | $ 112,600 | $ 133,000 |
| Lancaster, PA | 5 | $ 644,000 | $ 128,800 | $ 60,000 |
| Manchester-Nashua, NH | 5 | $ 907,000 | $ 181,400 | $ 76,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 5 | $ 2,600,000 | $ 520,000 | $ 104,000 |
| Tacoma, WA | 5 | $ 1,332,000 | $ 266,400 | $ 83,000 |
| Winchester, VA-WV | 5 | $ 531,000 | $ 106,200 | $ 53,000 |
| Albuquerque, NM | 4 | $ 487,000 | $ 121,750 | $ 15,000 |
| Anchorage, AK | 4 | $ 708,000 | $ 177,000 | $ 104,000 |
| Gary, IN | 4 | $ 708,000 | $ 177,000 | $ 138,000 |
| Greensboro-High Point, NC | 4 | $ 470,000 | $ 117,500 | $ 90,000 |
| Hickory-Lenoir-Morganton, NC | 4 | $ 588,000 | $ 147,000 | $ 42,000 |
| Lafayette, LA | 4 | $ 460,000 | $ 115,000 | $ 74,000 |
| Little Rock-North Little Rock-Conway, AR | 4 | $ 935,000 | $ 233,750 | $ 44,000 |
| Modesto, CA | 4 | $ 910,000 | $ 227,500 | $ 568,000 |
| Reno-Sparks, NV | 4 | $ 4,745,000 | $ 1,186,250 | $ 443,000 |
| Roanoke, VA | 4 | $ 1,420,000 | $ 355,000 | $ 184,000 |
| San Antonio, TX | 4 | $ 2,487,000 | $ 621,750 | $ 380,000 |
| Stockton, CA | 4 | $ 1,731,000 | $ 432,750 | $ 0 |
| Tucson, AZ | 4 | $ 769,000 | $ 192,250 | $ 387,000 |
| Vallejo-Fairfield, CA | 4 | $ 6,900,000 | $ 1,725,000 | $ 718,000 |
| Austin-Round Rock, TX | 3 | $ 466,000 | $ 155,333 | $ 77,000 |
| Barnstable Town, MA | 3 | $ 2,022,000 | $ 674,000 | $ 184,000 |
| Bend, OR | 3 | $ 11,194,000 | $ 3,731,333 | $ 145,000 |
| Camden, NJ | 3 | $ 5,510,000 | $ 1,836,666 | $ 495,000 |
| Charleston-North Charleston, SC | 3 | $ 6,071,000 | $ 2,023,666 | $ 191,000 |
| Chico, CA | 3 | $ 890,000 | $ 296,666 | $ 124,000 |
| Dayton, OH | 3 | $ 468,000 | $ 156,000 | $ 40,000 |
| Dover, DE | 3 | $ 446,000 | $ 148,666 | $ 57,000 |
| Durham, NC | 3 | $ 1,057,000 | $ 352,333 | $ 89,000 |
| El Centro, CA | 3 | $ 495,000 | $ 165,000 | $ 59,000 |
| Eugene-Springfield, OR | 3 | $ 407,000 | $ 135,666 | $ 110,000 |
| Flagstaff, AZ | 3 | $ 468,000 | $ 156,000 | $ 42,000 |
| Goldsboro, NC | 3 | $ 278,000 | $ 92,666 | $ 32,000 |
| Lebanon, PA | 3 | $ 284,000 | $ 94,666 | $ 71,000 |
| Merced, CA | 3 | $ 557,000 | $ 185,666 | $ 44,000 |
| Omaha-Council Bluffs, NE-IA | 3 | $ 1,203,000 | $ 401,000 | $ 126,000 |
| Salt Lake City, UT | 3 | $ 598,000 | $ 199,333 | $ 69,000 |
| San Francisco-San Mateo-Redwood City, CA | 3 | $ 2,009,000 | $ 669,666 | $ 1,181,000 |
| Savannah, GA | 3 | $ 2,207,000 | $ 735,666 | $ 1,220,000 |
| Sheboygan, WI | 3 | $ 647,000 | $ 215,666 | $ 54,000 |
| Springfield, IL | 3 | $ 227,000 | $ 75,666 | $ 49,000 |
| Springfield, MA | 3 | $ 388,000 | $ 129,333 | $ 83,000 |
| Tulsa, OK | 3 | $ 315,000 | $ 105,000 | $ 19,000 |
| Visalia-Porterville, CA | 3 | $ 291,000 | $ 97,000 | $ 32,000 |
| Youngstown-Warren-Boardman, OH-PA | 3 | $ 307,000 | $ 102,333 | $ 42,000 |
| Ann Arbor, MI | 2 | $ 255,000 | $ 127,500 | $ 250,000 |
| Anniston-Oxford, AL | 2 | $ 162,000 | $ 81,000 | $ 47,000 |
| Bangor, ME | 2 | $ 231,000 | $ 115,500 | $ 61,000 |
| Burlington-South Burlington, VT | 2 | $ 325,000 | $ 162,500 | $ 64,000 |
| Cambridge-Newton-Framingham, MA | 2 | $ 860,000 | $ 430,000 | $ 0 |
| Charleston, WV | 2 | $ 870,000 | $ 435,000 | $ 835,000 |
| Coeur D'Alene, ID | 2 | $ 341,000 | $ 170,500 | $ 61,000 |
| Cumberland, MD-WV | 2 | $ 157,000 | $ 78,500 | $ 36,000 |
| Des Moines-West Des Moines, IA | 2 | $ 171,000 | $ 85,500 | $ 30,000 |
| Duluth, MN-WI | 2 | $ 206,000 | $ 103,000 | $ 32,500 |
| Fargo, ND-MN | 2 | $ 135,000 | $ 67,500 | $ 51,000 |
| Fort Wayne, IN | 2 | $ 392,000 | $ 196,000 | $ 28,000 |
| Fort Worth-Arlington, TX | 2 | $ 167,000 | $ 83,500 | $ 0 |
| Glens Falls, NY | 2 | $ 267,000 | $ 133,500 | $ 102,000 |
| Harrisonburg, VA | 2 | $ 305,000 | $ 152,500 | $ 51,000 |
| Janesville, WI | 2 | $ 141,000 | $ 70,500 | $ 29,000 |
| Lake Charles, LA | 2 | $ 224,000 | $ 112,000 | $ 82,000 |
| Lewiston-Auburn, ME | 2 | $ 231,000 | $ 115,500 | $ 116,000 |
| Lexington-Fayette, KY | 2 | $ 299,000 | $ 149,500 | $ 67,000 |
| Lima, OH | 2 | $ 545,000 | $ 272,500 | $ 111,000 |
| Lynchburg, VA | 2 | $ 214,000 | $ 107,000 | $ 57,000 |
| Madera, CA | 2 | $ 363,000 | $ 181,500 | $ 47,000 |
| Montgomery, AL | 2 | $ 208,000 | $ 104,000 | $ 68,000 |
| Redding, CA | 2 | $ 271,000 | $ 135,500 | $ 73,000 |
| Salinas, CA | 2 | $ 618,000 | $ 309,000 | $ 78,000 |
| Santa Cruz-Watsonville, CA | 2 | $ 3,455,000 | $ 1,727,500 | $ 630,000 |
| Santa Fe, NM | 2 | $ 705,000 | $ 352,500 | $ 215,000 |
| St. Cloud, MN | 2 | $ 288,000 | $ 144,000 | $ 124,000 |
| Syracuse, NY | 2 | $ 570,000 | $ 285,000 | $ 85,000 |
| Toledo, OH | 2 | $ 209,000 | $ 104,500 | $ 0 |
| Tuscaloosa, AL | 2 | $ 309,000 | $ 154,500 | $ 64,000 |
| Utica-Rome, NY | 2 | $ 341,000 | $ 170,500 | $ 98,000 |
| Albany, GA | 1 | $ 56,000 | $ 56,000 | $ 0 |
| Alexandria, LA | 1 | $ 100,000 | $ 100,000 | $ 39,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 43,000 | $ 43,000 | $ 50,000 |
| Battle Creek, MI | 1 | $ 83,000 | $ 83,000 | $ 24,000 |
| Bay City, MI | 1 | $ 100,000 | $ 100,000 | $ 60,000 |
| Bellingham, WA | 1 | $ 150,000 | $ 150,000 | $ 42,000 |
| Boulder, CO | 1 | $ 155,000 | $ 155,000 | $ 41,000 |
| Bowling Green, KY | 1 | $ 124,000 | $ 124,000 | $ 50,000 |
| Bremerton-Silverdale, WA | 1 | $ 186,000 | $ 186,000 | $ 64,000 |
| Casper, WY | 1 | $ 91,000 | $ 91,000 | $ 35,000 |
| Champaign-Urbana, IL | 1 | $ 95,000 | $ 95,000 | $ 65,000 |
| Charlottesville, VA | 1 | $ 120,000 | $ 120,000 | $ 41,000 |
| Cheyenne, WY | 1 | $ 122,000 | $ 122,000 | $ 41,000 |
| Colorado Springs, CO | 1 | $ 96,000 | $ 96,000 | $ 77,000 |
| Columbia, SC | 1 | $ 500,000 | $ 500,000 | $ 39,000 |
| Columbus, GA-AL | 1 | $ 94,000 | $ 94,000 | $ 58,000 |
| Decatur, AL | 1 | $ 107,000 | $ 107,000 | $ 62,000 |
| Elkhart-Goshen, IN | 1 | $ 160,000 | $ 160,000 | $ 68,000 |
| Erie, PA | 1 | $ 81,000 | $ 81,000 | $ 103,000 |
| Evansville, IN-KY | 1 | $ 125,000 | $ 125,000 | $ 102,000 |
| Fairbanks, AK | 1 | $ 126,000 | $ 126,000 | $ 82,000 |
| Farmington, NM | 1 | $ 417,000 | $ 417,000 | $ 320,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 1,260,000 | $ 1,260,000 | $ 420,000 |
| Florence, SC | 1 | $ 78,000 | $ 78,000 | $ 0 |
| Fort Collins-Loveland, CO | 1 | $ 748,000 | $ 748,000 | $ 420,000 |
| Fort Smith, AR-OK | 1 | $ 68,000 | $ 68,000 | $ 0 |
| Gadsden, AL | 1 | $ 113,000 | $ 113,000 | $ 0 |
| Gainesville, FL | 1 | $ 198,000 | $ 198,000 | $ 81,000 |
| Gainesville, GA | 1 | $ 1,500,000 | $ 1,500,000 | $ 600,000 |
| Grand Rapids-Wyoming, MI | 1 | $ 83,000 | $ 83,000 | $ 40,000 |
| Greenville-Mauldin-Easley, SC | 1 | $ 700,000 | $ 700,000 | $ 240,000 |
| Hanford-Corcoran, CA | 1 | $ 141,000 | $ 141,000 | $ 28,000 |
| Hattiesburg, MS | 1 | $ 130,000 | $ 130,000 | $ 70,000 |
| Holland-Grand Haven, MI | 1 | $ 745,000 | $ 745,000 | $ 502,000 |
| Houma-Bayou Cane-Thibodaux, LA | 1 | $ 82,000 | $ 82,000 | $ 183,000 |
| Jacksonville, NC | 1 | $ 70,000 | $ 70,000 | $ 33,000 |
| Kankakee-Bradley, IL | 1 | $ 150,000 | $ 150,000 | $ 95,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 80,000 | $ 80,000 | $ 23,000 |
| Kokomo, IN | 1 | $ 102,000 | $ 102,000 | $ 0 |
| Lansing-East Lansing, MI | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Las Cruces, NM | 1 | $ 181,000 | $ 181,000 | $ 0 |
| Lawrence, KS | 1 | $ 50,000 | $ 50,000 | $ 30,000 |
| Lincoln, NE | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Macon, GA | 1 | $ 102,000 | $ 102,000 | $ 0 |
| Madison, WI | 1 | $ 112,000 | $ 112,000 | $ 0 |
| Medford, OR | 1 | $ 127,000 | $ 127,000 | $ 63,000 |
| Missoula, MT | 1 | $ 174,000 | $ 174,000 | $ 53,000 |
| Monroe, LA | 1 | $ 90,000 | $ 90,000 | $ 23,000 |
| Morgantown, WV | 1 | $ 195,000 | $ 195,000 | $ 74,000 |
| Morristown, TN | 1 | $ 97,000 | $ 97,000 | $ 46,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 1 | $ 750,000 | $ 750,000 | $ 283,000 |
| Napa, CA | 1 | $ 399,000 | $ 399,000 | $ 0 |
| Olympia, WA | 1 | $ 237,000 | $ 237,000 | $ 143,000 |
| Oshkosh-Neenah, WI | 1 | $ 100,000 | $ 100,000 | $ 0 |
| Pascagoula, MS | 1 | $ 88,000 | $ 88,000 | $ 26,000 |
| Peoria, IL | 1 | $ 90,000 | $ 90,000 | $ 140,000 |
| Pine Bluff, AR | 1 | $ 120,000 | $ 120,000 | $ 0 |
| Provo-Orem, UT | 1 | $ 143,000 | $ 143,000 | $ 57,000 |
| Racine, WI | 1 | $ 123,000 | $ 123,000 | $ 0 |
| Rapid City, SD | 1 | $ 105,000 | $ 105,000 | $ 45,000 |
| Rochester, NY | 1 | $ 51,000 | $ 51,000 | $ 0 |
| Rockford, IL | 1 | $ 70,000 | $ 70,000 | $ 27,000 |
| Rome, GA | 1 | $ 190,000 | $ 190,000 | $ 0 |
| Saginaw-Saginaw Township North, MI | 1 | $ 96,000 | $ 96,000 | $ 0 |
| Salem, OR | 1 | $ 150,000 | $ 150,000 | $ 47,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 1 | $ 750,000 | $ 750,000 | $ 97,000 |
| San Luis Obispo-Paso Robles, CA | 1 | $ 190,000 | $ 190,000 | $ 61,000 |
| Sandusky, OH | 1 | $ 124,000 | $ 124,000 | $ 0 |
| Santa Rosa-Petaluma, CA | 1 | $ 1,008,000 | $ 1,008,000 | $ 240,000 |
| Sebastian-Vero Beach, FL | 1 | $ 128,000 | $ 128,000 | $ 85,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 149,000 | $ 149,000 | $ 170,000 |
| Spokane, WA | 1 | $ 163,000 | $ 163,000 | $ 60,000 |
| St. Joseph, MO-KS | 1 | $ 83,000 | $ 83,000 | $ 0 |
| Tallahassee, FL | 1 | $ 112,000 | $ 112,000 | $ 56,000 |
| Trenton-Ewing, NJ | 1 | $ 675,000 | $ 675,000 | $ 137,000 |
| Victoria, TX | 1 | $ 74,000 | $ 74,000 | $ 157,000 |
| Waco, TX | 1 | $ 64,000 | $ 64,000 | $ 0 |
| Weirton-Steubenville, WV-OH | 1 | $ 73,000 | $ 73,000 | $ 28,000 |
| Williamsport, PA | 1 | $ 63,000 | $ 63,000 | $ 29,000 |
| Yuma, AZ | 1 | $ 300,000 | $ 300,000 | $ 97,000 |
Mortgage Loan Application Detail Totals for Eastern Savings Bank, FSB in 2007
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 | 2,841 | $765,639,000 | $269,000 | $10,400,000 | $124,000 | $7,906,000 |
| Home Purchase | 716 | $216,920,000 | $302,000 | $7,500,000 | $99,000 | $9,999,000 |
| Home Improvement | 141 | $53,823,000 | $381,000 | $24,000,000 | $119,000 | $3,859,000 |
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 | 1,268 | $382,144,000 | $301,000 | $10,400,000 | $158,000 | $7,906,000 |
| Not Provided | 832 | $268,096,000 | $322,000 | $8,500,000 | $136,000 | $4,062,000 |
| Black or African American | 817 | $162,170,000 | $198,000 | $7,500,000 | $100,000 | $9,999,000 |
| Not applicable | 526 | $159,447,000 | $303,000 | $24,000,000 | $30,000 | $3,516,000 |
| Hispanic | 176 | $41,251,000 | $234,000 | $1,425,000 | $106,000 | $1,550,000 |
| Asian | 39 | $16,135,000 | $413,000 | $3,200,000 | $159,000 | $1,620,000 |
| Native Hawaiian or Other Pacific Islander | 29 | $5,445,000 | $187,000 | $500,000 | $93,000 | $600,000 |
| American Indian or Alaskan Native | 11 | $1,694,000 | $154,000 | $315,000 | $112,000 | $226,000 |
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) | 3,698 | $1,036,382,000 | $280,000 | $24,000,000 | $119,000 | $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 |
|---|---|---|---|---|---|---|
| Loan Originated | 1,339 | $278,849,000 | $208,000 | $8,250,000 | $115,000 | $7,906,000 |
| Application Denied By Financial Institution | 797 | $305,995,000 | $383,000 | $24,000,000 | $162,000 | $4,200,000 |
| Application Withdrawn By Applicant | 637 | $200,317,000 | $314,000 | $7,500,000 | $144,000 | $3,725,000 |
| Loan Purchased By The Institution | 489 | $106,387,000 | $217,000 | $1,365,000 | $0 | $0 |
| File Closed For Incompleteness | 359 | $121,590,000 | $338,000 | $8,500,000 | $161,000 | $9,999,000 |
| Application Approved But Not Accepted | 77 | $23,244,000 | $301,000 | $5,000,000 | $118,000 | $1,208,000 |
| 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 | 585 | $223,882,000 | $382,000 | $10,400,000 | $179,000 | $4,200,000 |
| Other | 83 | $27,323,000 | $329,000 | $6,500,000 | $133,000 | $2,400,000 |
| Debt-To-Income Ratio | 43 | $7,215,000 | $167,000 | $418,000 | $55,000 | $161,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 30 | $8,824,000 | $294,000 | $850,000 | $119,000 | $425,000 |
| Credit History | 24 | $5,480,000 | $228,000 | $1,450,000 | $170,000 | $782,000 |
| Unverifiable Information | 18 | $29,827,000 | $1,657,000 | $24,000,000 | $114,000 | $300,000 |
| Employment History | 10 | $1,540,000 | $154,000 | $252,000 | $53,000 | $101,000 |
| Credit Application Incomplete | 3 | $1,654,000 | $551,000 | $1,400,000 | $118,000 | $264,000 |
| Mortgage Insurance Denied | 1 | $250,000 | $250,000 | $250,000 | $90,000 | $90,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Eastern Savings Bank, FSB's 2007 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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