Eastern Savings Bank, FSB Mortgage Lending & HMDA Data, 2009
In 2009, Eastern Savings Bank, FSB of Hunt Valley, MD reported 192 mortgage applications totaling $50.1 million, down 89% from 2008. The average application was for $260,817, and applicants reported an average income of $196,270. 27% of its applications resulted in an originated loan and 53% were denied. Its largest markets were New York-White Plains-Wayne, NY-NJ (29), Baltimore-Towson, MD (16) and Philadelphia, PA (14) (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 | 192 |
| Total Mortgage Loan Application Amount | $50,077,000 |
| Average Mortgage Loan Application Amount | $260,817 |
| Highest Mortgage Loan Application Amount | $4,300,000 |
| Average Applicant Income | $196,270 |
| Highest Applicant Income | $4,800,000 |
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records Eastern Savings Bank, FSB filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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-White Plains-Wayne, NY-NJ | 29 | $ 15,728,000 | $ 542,344 | $ 242,206 |
| Baltimore-Towson, MD | 16 | $ 2,403,000 | $ 150,187 | $ 319,000 |
| Philadelphia, PA | 14 | $ 2,545,000 | $ 181,785 | $ 120,000 |
| Chicago-Naperville-Joliet, IL | 9 | $ 2,887,000 | $ 320,777 | $ 215,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 7 | $ 672,000 | $ 96,000 | $ 42,000 |
| Nassau-Suffolk, NY | 6 | $ 1,843,000 | $ 307,166 | $ 102,000 |
| Pittsburgh, PA | 6 | $ 741,000 | $ 123,500 | $ 103,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 4 | $ 465,000 | $ 116,250 | $ 107,000 |
| Bethesda-Frederick-Rockville, MD | 4 | $ 534,000 | $ 133,500 | $ 92,000 |
| Los Angeles-Long Beach-Glendale, CA | 4 | $ 1,527,000 | $ 381,750 | $ 422,000 |
| Richmond, VA | 4 | $ 754,000 | $ 188,500 | $ 360,000 |
| Bridgeport-Stamford-Norwalk, CT | 3 | $ 1,360,000 | $ 453,333 | $ 155,000 |
| Houston-Sugar Land-Baytown, TX | 3 | $ 327,000 | $ 109,000 | $ 31,000 |
| Miami-Miami Beach-Kendall, FL | 3 | $ 851,000 | $ 283,666 | $ 1,636,000 |
| New Haven-Milford, CT | 3 | $ 240,000 | $ 80,000 | $ 72,000 |
| Newark-Union, NJ-PA | 3 | $ 823,000 | $ 274,333 | $ 67,000 |
| Phoenix-Mesa-Scottsdale, AZ | 3 | $ 1,890,000 | $ 630,000 | $ 204,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 3 | $ 361,000 | $ 120,333 | $ 32,666 |
| Wilmington, DE-MD-NJ | 3 | $ 288,000 | $ 96,000 | $ 43,000 |
| Hartford-West Hartford-East Hartford, CT | 2 | $ 193,000 | $ 96,500 | $ 48,000 |
| Indianapolis-Carmel, IN | 2 | $ 115,000 | $ 57,500 | $ 45,000 |
| Lake County-Kenosha County, IL-WI | 2 | $ 274,000 | $ 137,000 | $ 116,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 2 | $ 264,000 | $ 132,000 | $ 55,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 2 | $ 2,491,000 | $ 1,245,500 | $ 732,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 2 | $ 170,000 | $ 85,000 | $ 52,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 2 | $ 342,000 | $ 171,000 | $ 133,000 |
| Reading, PA | 2 | $ 120,000 | $ 60,000 | $ 54,000 |
| Scranton--Wilkes-Barre, PA | 2 | $ 250,000 | $ 125,000 | $ 49,000 |
| Warren-Troy-Farmington Hills, MI | 2 | $ 194,000 | $ 97,000 | $ 79,000 |
| Ann Arbor, MI | 1 | $ 101,000 | $ 101,000 | $ 101,000 |
| Asheville, NC | 1 | $ 1,200,000 | $ 1,200,000 | $ 380,000 |
| Atlanta-Sandy Springs-Marietta, GA | 1 | $ 95,000 | $ 95,000 | $ 70,000 |
| Barnstable Town, MA | 1 | $ 900,000 | $ 900,000 | $ 316,000 |
| Baton Rouge, LA | 1 | $ 58,000 | $ 58,000 | $ 91,000 |
| Birmingham-Hoover, AL | 1 | $ 118,000 | $ 118,000 | $ 75,000 |
| Camden, NJ | 1 | $ 85,000 | $ 85,000 | $ 63,000 |
| Charlotte-Gastonia-Concord, NC-SC | 1 | $ 48,000 | $ 48,000 | $ 21,000 |
| Cumberland, MD-WV | 1 | $ 165,000 | $ 165,000 | $ 324,000 |
| Durham-Chapel Hill, NC | 1 | $ 265,000 | $ 265,000 | $ 165,000 |
| Edison-New Brunswick, NJ | 1 | $ 700,000 | $ 700,000 | $ 2,047,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 80,000 | $ 80,000 | $ 180,000 |
| Fort Walton Beach-Crestview-Destin, FL | 1 | $ 76,000 | $ 76,000 | $ 0 |
| Greensboro-High Point, NC | 1 | $ 75,000 | $ 75,000 | $ 29,000 |
| Harrisburg-Carlisle, PA | 1 | $ 75,000 | $ 75,000 | $ 29,000 |
| Honolulu, HI | 1 | $ 213,000 | $ 213,000 | $ 0 |
| Kingston, NY | 1 | $ 150,000 | $ 150,000 | $ 183,000 |
| Lancaster, PA | 1 | $ 110,000 | $ 110,000 | $ 76,000 |
| Norwich-New London, CT | 1 | $ 585,000 | $ 585,000 | $ 250,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 1 | $ 132,000 | $ 132,000 | $ 47,000 |
| Port St. Lucie, FL | 1 | $ 129,000 | $ 129,000 | $ 208,000 |
| Providence-New Bedford-Fall River, RI-MA | 1 | $ 150,000 | $ 150,000 | $ 68,000 |
| Riverside-San Bernardino-Ontario, CA | 1 | $ 325,000 | $ 325,000 | $ 0 |
| Rochester, NY | 1 | $ 140,000 | $ 140,000 | $ 45,000 |
| Rockingham County-Strafford County, NH | 1 | $ 100,000 | $ 100,000 | $ 39,000 |
| Salisbury, MD | 1 | $ 52,000 | $ 52,000 | $ 32,000 |
| San Francisco-San Mateo-Redwood City, CA | 1 | $ 325,000 | $ 325,000 | $ 96,000 |
| San Luis Obispo-Paso Robles, CA | 1 | $ 405,000 | $ 405,000 | $ 132,000 |
| Seattle-Bellevue-Everett, WA | 1 | $ 85,000 | $ 85,000 | $ 161,000 |
| St. Louis, MO-IL | 1 | $ 125,000 | $ 125,000 | $ 46,000 |
| Trenton-Ewing, NJ | 1 | $ 293,000 | $ 293,000 | $ 136,000 |
| Williamsport, PA | 1 | $ 200,000 | $ 200,000 | $ 469,000 |
| Wilmington, NC | 1 | $ 875,000 | $ 875,000 | $ 447,000 |
| York-Hanover, PA | 1 | $ 157,000 | $ 157,000 | $ 57,000 |
Mortgage Loan Application Detail Totals for Eastern Savings Bank, FSB in 2009
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 | 67 | $27,775,000 | $414,000 | $4,300,000 | $209,000 | $2,047,000 |
| Home Improvement | 64 | $10,115,000 | $158,000 | $900,000 | $106,000 | $829,000 |
| Home Purchase | 61 | $12,187,000 | $199,000 | $775,000 | $277,000 | $4,800,000 |
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 | 101 | $28,391,000 | $281,000 | $3,573,000 | $191,000 | $2,047,000 |
| Black or African American | 40 | $5,870,000 | $146,000 | $650,000 | $121,000 | $1,080,000 |
| Not Provided | 25 | $5,496,000 | $219,000 | $1,150,000 | $480,000 | $4,800,000 |
| Not applicable | 12 | $7,947,000 | $662,000 | $4,300,000 | $0 | $0 |
| Hispanic | 11 | $1,883,000 | $171,000 | $420,000 | $122,000 | $514,000 |
| Asian | 3 | $490,000 | $163,000 | $325,000 | $84,000 | $96,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 192 | $50,077,000 | $260,000 | $4,300,000 | $196,000 | $4,800,000 |
| 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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 101 | $33,573,000 | $332,000 | $4,300,000 | $203,000 | $4,800,000 |
| Loan Originated | 51 | $8,083,000 | $158,000 | $900,000 | $140,000 | $829,000 |
| File Closed For Incompleteness | 27 | $6,306,000 | $233,000 | $2,225,000 | $326,000 | $3,888,000 |
| Application Withdrawn By Applicant | 13 | $2,115,000 | $162,000 | $560,000 | $89,000 | $408,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 70 | $23,734,000 | $339,000 | $4,300,000 | $209,000 | $4,800,000 |
| Credit History | 11 | $1,936,000 | $176,000 | $700,000 | $292,000 | $2,047,000 |
| Debt-To-Income Ratio | 11 | $5,186,000 | $471,000 | $1,125,000 | $165,000 | $447,000 |
| Other | 4 | $620,000 | $155,000 | $200,000 | $88,000 | $122,000 |
| Unverifiable Information | 2 | $887,000 | $443,000 | $467,000 | $195,000 | $232,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $850,000 | $425,000 | $700,000 | $91,000 | $183,000 |
| Employment History | 1 | $360,000 | $360,000 | $360,000 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Eastern Savings Bank, FSB's 2009 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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