Eastern Savings Bank Mortgage Lending & HMDA Data, 2024
In 2024, Eastern Savings Bank of Hunt Valley, MD reported 60 mortgage applications totaling $53.4 million, up 15% from 2023. The average application was for $889,166, and applicants reported an average income of $104,385. 45% of its applications resulted in an originated loan and 30% were denied. Its largest markets were Baltimore-Columbia-Towson, MD (14), Wilmington, DE-MD-NJ (6) and Philadelphia, PA (5) (applications in parentheses).
| Mortgage Company & Address | Eastern Savings Bank 11350 McCormick Road, Ste 200 Hunt Valley, MD 21031 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 |
| Total Number of Mortgage Applications | 60 |
| Total Mortgage Loan Application Amount | $53,350,000 |
| Average Mortgage Loan Application Amount | $889,166 |
| Highest Mortgage Loan Application Amount | $18,005,000 |
| Average Applicant Income | $104,385 |
| Highest Applicant Income | $281,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Eastern Savings Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Baltimore City, Maryland | 6 | $ 1,540,000 | $ 256,666 | $ 137,000 |
| Philadelphia, Pennsylvania | 5 | $ 2,855,000 | $ 571,000 | $ 54,000 |
| New Castle, Delaware | 4 | $ 1,830,000 | $ 457,500 | $ 0 |
| Baltimore, Maryland | 3 | $ 385,000 | $ 128,333 | $ 73,000 |
| Carroll, Maryland | 2 | $ 670,000 | $ 335,000 | $ 141,000 |
| Suffolk, Massachusetts | 2 | $ 690,000 | $ 345,000 | $ 117,000 |
| Salem, New Jersey | 2 | $ 490,000 | $ 245,000 | $ 0 |
| Pulaski, Arkansas | 1 | $ 145,000 | $ 145,000 | $ 83,000 |
| Fresno, California | 1 | $ 85,000 | $ 85,000 | $ 29,000 |
| Los Angeles, California | 1 | $ 765,000 | $ 765,000 | $ 262,000 |
| Capitol Planning Region, Connecticut | 1 | $ 225,000 | $ 225,000 | $ 62,000 |
| Gulf, Florida | 1 | $ 265,000 | $ 265,000 | $ 30,000 |
| Hillsborough, Florida | 1 | $ 315,000 | $ 315,000 | $ 110,000 |
| Manatee, Florida | 1 | $ 545,000 | $ 545,000 | $ 202,000 |
| Fannin, Georgia | 1 | $ 255,000 | $ 255,000 | $ 60,000 |
| Champaign, Illinois | 1 | $ 95,000 | $ 95,000 | $ 73,000 |
| Cook, Illinois | 1 | $ 275,000 | $ 275,000 | $ 76,000 |
| Trimble, Kentucky | 1 | $ 55,000 | $ 55,000 | $ 19,000 |
| Anne Arundel, Maryland | 1 | $ 305,000 | $ 305,000 | $ 253,000 |
| Harford, Maryland | 1 | $ 425,000 | $ 425,000 | $ 0 |
| Howard, Maryland | 1 | $ 18,005,000 | $ 18,005,000 | $ 0 |
| Wicomico, Maryland | 1 | $ 215,000 | $ 215,000 | $ 48,000 |
| St. Charles, Missouri | 1 | $ 205,000 | $ 205,000 | $ 114,000 |
| Atlantic, New Jersey | 1 | $ 505,000 | $ 505,000 | $ 85,000 |
| Burlington, New Jersey | 1 | $ 205,000 | $ 205,000 | $ 66,000 |
| Middlesex, New Jersey | 1 | $ 555,000 | $ 555,000 | $ 0 |
| Monmouth, New Jersey | 1 | $ 165,000 | $ 165,000 | $ 92,000 |
| Ocean, New Jersey | 1 | $ 195,000 | $ 195,000 | $ 81,000 |
| Kings, New York | 1 | $ 4,255,000 | $ 4,255,000 | $ 0 |
| Montgomery, New York | 1 | $ 325,000 | $ 325,000 | $ 0 |
| New York, New York | 1 | $ 1,505,000 | $ 1,505,000 | $ 0 |
| Craven, North Carolina | 1 | $ 215,000 | $ 215,000 | $ 140,000 |
| Mecklenburg, North Carolina | 1 | $ 12,255,000 | $ 12,255,000 | $ 0 |
| Blair, Pennsylvania | 1 | $ 425,000 | $ 425,000 | $ 0 |
| Dauphin, Pennsylvania | 1 | $ 405,000 | $ 405,000 | $ 0 |
| Lehigh, Pennsylvania | 1 | $ 85,000 | $ 85,000 | $ 33,000 |
| Montgomery, Pennsylvania | 1 | $ 255,000 | $ 255,000 | $ 60,000 |
| York, Pennsylvania | 1 | $ 355,000 | $ 355,000 | $ 98,000 |
| Potter, South Dakota | 1 | $ 135,000 | $ 135,000 | $ 281,000 |
| Harris, Texas | 1 | $ 235,000 | $ 235,000 | $ 168,000 |
| Webb, Texas | 1 | $ 155,000 | $ 155,000 | $ 74,000 |
| Hampton, Virginia | 1 | $ 175,000 | $ 175,000 | $ 107,000 |
| Dane, Wisconsin | 1 | $ 305,000 | $ 305,000 | $ 122,000 |
Mortgage Loan Application Detail Totals for Eastern Savings Bank in 2024
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 |
|---|---|---|---|---|---|---|
| Cash-out Refinancing | 24 | $6,280,000 | $261,000 | $765,000 | $109,000 | $281,000 |
| Home Purchase | 16 | $28,240,000 | $1,765,000 | $18,005,000 | $107,000 | $216,000 |
| Refinancing | 16 | $17,840,000 | $1,115,000 | $12,255,000 | $98,000 | $253,000 |
| Home Improvement | 3 | $935,000 | $311,000 | $425,000 | $0 | $0 |
| Other Purpose | 1 | $55,000 | $55,000 | $55,000 | $54,000 | $54,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 22 | $5,120,000 | $232,000 | $545,000 | $103,000 | $281,000 |
| Not applicable | 20 | $43,490,000 | $2,174,000 | $18,005,000 | $0 | $0 |
| Black or African American | 13 | $3,285,000 | $252,000 | $765,000 | $104,000 | $262,000 |
| Not Provided | 4 | $1,300,000 | $325,000 | $505,000 | $136,000 | $216,000 |
| Hispanic | 1 | $155,000 | $155,000 | $155,000 | $74,000 | $74,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 38 | $48,800,000 | $1,284,000 | $18,005,000 | $108,000 | $262,000 |
| FHA-insured (Federal Housing Administration) | 22 | $4,550,000 | $206,000 | $545,000 | $103,000 | $281,000 |
| 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 | 27 | $17,595,000 | $651,000 | $12,255,000 | $108,000 | $281,000 |
| Application Denied By Financial Institution | 18 | $28,490,000 | $1,582,000 | $18,005,000 | $91,000 | $168,000 |
| Application Withdrawn By Applicant | 13 | $6,775,000 | $521,000 | $1,495,000 | $131,000 | $262,000 |
| File Closed For Incompleteness | 2 | $490,000 | $245,000 | $265,000 | $46,000 | $62,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 42 | $24,860,000 | $591,000 | $12,255,000 | $110,000 | $281,000 |
| Other | 4 | $19,800,000 | $4,950,000 | $18,005,000 | $20,000 | $20,000 |
| Collateral | 4 | $1,780,000 | $445,000 | $895,000 | $134,000 | $168,000 |
| Credit History | 4 | $1,480,000 | $370,000 | $555,000 | $118,000 | $130,000 |
| Debt-To-Income Ratio | 3 | $825,000 | $275,000 | $365,000 | $76,000 | $104,000 |
| Credit Application Incomplete | 2 | $4,410,000 | $2,205,000 | $4,255,000 | $74,000 | $74,000 |
| Unverifiable Information | 1 | $195,000 | $195,000 | $195,000 | $81,000 | $81,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 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's 2024 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'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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