Eastern Savings Bank, FSB Mortgage Lending & HMDA Data, 2018
In 2018, Eastern Savings Bank, FSB of Hunt Valley, MD reported 220 mortgage applications totaling $74.1 million, down 35% from 2017. The average application was for $336,590, and applicants reported an average income of $215,563. 41% of its applications resulted in an originated loan and 40% were denied. Its largest markets were Baltimore-Columbia-Towson, MD (98), New York-Jersey City-White Plains, NY-NJ (32) and Camden, NJ (20) (applications in parentheses).
| Mortgage Company & Address | Eastern Savings Bank, FSB 11350 McCormick Road, Ste 200 Hunt Valley, MD 21031 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2019 2018 2017 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 220 |
| Total Mortgage Loan Application Amount | $74,050,000 |
| Average Mortgage Loan Application Amount | $336,590 |
| Highest Mortgage Loan Application Amount | $4,525,000 |
| Average Applicant Income | $215,563 |
| Highest Applicant Income | $1,940,000 |
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records Eastern Savings Bank, FSB filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Baltimore-Columbia-Towson, MD | 98 | $ 30,500,000 | $ 311,224 | $ 230,000 |
| New York-Jersey City-White Plains, NY-NJ | 32 | $ 13,540,000 | $ 423,125 | $ 224,000 |
| Camden, NJ | 20 | $ 4,070,000 | $ 203,500 | $ 112,000 |
| Newark, NJ-PA | 9 | $ 3,675,000 | $ 408,333 | $ 298,000 |
| Nassau County-Suffolk County, NY | 8 | $ 3,850,000 | $ 481,250 | $ 229,000 |
| Philadelphia, PA | 7 | $ 2,955,000 | $ 422,142 | $ 381,000 |
| Wilmington, DE-MD-NJ | 7 | $ 1,115,000 | $ 159,285 | $ 89,142 |
| Montgomery County-Bucks County-Chester County, PA | 6 | $ 3,470,000 | $ 578,333 | $ 242,000 |
| Pittsburgh, PA | 6 | $ 1,180,000 | $ 196,666 | $ 100,000 |
| Silver Spring-Frederick-Rockville, MD | 4 | $ 1,350,000 | $ 337,500 | $ 146,000 |
| Albany-Schenectady-Troy, NY | 2 | $ 630,000 | $ 315,000 | $ 61,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 2 | $ 620,000 | $ 310,000 | $ 69,000 |
| Atlantic City-Hammonton, NJ | 2 | $ 260,000 | $ 130,000 | $ 109,000 |
| Hagerstown-Martinsburg, MD-WV | 2 | $ 400,000 | $ 200,000 | $ 1,003,000 |
| Salisbury, MD-DE | 2 | $ 260,000 | $ 130,000 | $ 41,000 |
| Utica-Rome, NY | 2 | $ 270,000 | $ 135,000 | $ 67,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 2 | $ 1,580,000 | $ 790,000 | $ 331,000 |
| Bridgeport-Stamford-Norwalk, CT | 1 | $ 3,005,000 | $ 3,005,000 | $ 0 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 1 | $ 85,000 | $ 85,000 | $ 66,000 |
| Cumberland, MD-WV | 1 | $ 35,000 | $ 35,000 | $ 140,000 |
| Dover, DE | 1 | $ 75,000 | $ 75,000 | $ 177,000 |
| Glens Falls, NY | 1 | $ 215,000 | $ 215,000 | $ 107,000 |
| Outside any metro area | 1 | $ 265,000 | $ 265,000 | $ 72,000 |
| Ocean City, NJ | 1 | $ 455,000 | $ 455,000 | $ 190,000 |
| Rochester, NY | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Trenton, NJ | 1 | $ 55,000 | $ 55,000 | $ 0 |
Mortgage Loan Application Detail Totals for Eastern Savings Bank, FSB in 2018
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 135 | $47,765,000 | $353,000 | $4,525,000 | $232,000 | $1,940,000 |
| Refinancing | 58 | $17,220,000 | $296,000 | $1,505,000 | $193,000 | $358,000 |
| Home Improvement | 17 | $7,095,000 | $417,000 | $3,005,000 | $190,000 | $759,000 |
| Cash-out Refinancing | 5 | $1,125,000 | $225,000 | $455,000 | $174,000 | $190,000 |
| Other Purpose | 5 | $845,000 | $169,000 | $275,000 | $162,000 | $371,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 105 | $34,405,000 | $327,000 | $4,525,000 | $0 | $0 |
| White | 57 | $20,315,000 | $356,000 | $1,445,000 | $240,000 | $947,000 |
| Not Provided | 19 | $9,385,000 | $493,000 | $2,975,000 | $312,000 | $1,940,000 |
| Black or African American | 16 | $3,830,000 | $239,000 | $1,205,000 | $145,000 | $331,000 |
| Hispanic | 13 | $3,355,000 | $258,000 | $435,000 | $156,000 | $625,000 |
| Asian | 10 | $2,760,000 | $276,000 | $565,000 | $126,000 | $242,000 |
| 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) | 220 | $74,050,000 | $336,000 | $4,525,000 | $219,000 | $1,940,000 |
| 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 | 90 | $30,820,000 | $342,000 | $4,525,000 | $202,000 | $759,000 |
| Application Denied By Financial Institution | 89 | $29,505,000 | $331,000 | $3,005,000 | $187,000 | $947,000 |
| Application Withdrawn By Applicant | 32 | $11,070,000 | $345,000 | $1,445,000 | $402,000 | $1,940,000 |
| File Closed For Incompleteness | 9 | $2,655,000 | $295,000 | $675,000 | $291,000 | $624,000 |
| 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 | 131 | $44,545,000 | $340,000 | $4,525,000 | $256,000 | $1,940,000 |
| Credit History | 28 | $10,160,000 | $362,000 | $1,505,000 | $164,000 | $625,000 |
| Collateral | 17 | $5,175,000 | $304,000 | $1,045,000 | $256,000 | $379,000 |
| Other | 17 | $3,895,000 | $229,000 | $775,000 | $264,000 | $947,000 |
| Debt-To-Income Ratio | 13 | $7,235,000 | $556,000 | $3,005,000 | $110,000 | $190,000 |
| Credit Application Incomplete | 8 | $1,040,000 | $130,000 | $275,000 | $112,000 | $234,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $1,835,000 | $367,000 | $635,000 | $274,000 | $380,000 |
| Unverifiable Information | 1 | $165,000 | $165,000 | $165,000 | $67,000 | $67,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Eastern Savings Bank, FSB's 2018 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.
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
Home · Mortgage lenders A–Z · Data downloads · Blog · About