Eaton National Bank & Trust Co Mortgage Lending & HMDA Data, 2013
In 2013, Eaton National Bank & Trust Co of Eaton, OH reported 183 mortgage applications totaling $19.4 million, up 1% from 2012. The average application was for $105,743, and applicants reported an average income of $67,934. 48% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Dayton, OH (106), Cincinnati-Middletown, OH-KY-IN (4) and Tampa-St. Petersburg-Clearwater, FL (2) (applications in parentheses).
| Mortgage Company & Address | Eaton National Bank & Trust Co 110 W Main St Eaton, OH 45320 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 |
| Total Number of Mortgage Applications | 183 |
| Total Mortgage Loan Application Amount | $19,351,000 |
| Average Mortgage Loan Application Amount | $105,743 |
| Highest Mortgage Loan Application Amount | $934,000 |
| Average Applicant Income | $67,934 |
| Highest Applicant Income | $687,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Eaton National Bank & Trust Co filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Dayton, OH | 106 | $ 10,980,000 | $ 103,584 | $ 66,000 |
| Cincinnati-Middletown, OH-KY-IN | 4 | $ 408,000 | $ 102,000 | $ 119,000 |
| Tampa-St. Petersburg-Clearwater, FL | 2 | $ 646,000 | $ 323,000 | $ 139,000 |
| Muncie, IN | 1 | $ 50,000 | $ 50,000 | $ 0 |
| North Port-Bradenton-Sarasota, FL | 1 | $ 90,000 | $ 90,000 | $ 211,000 |
Mortgage Loan Application Detail Totals for Eaton National Bank & Trust Co in 2013
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 | 87 | $9,418,000 | $108,000 | $650,000 | $58,000 | $353,000 |
| Refinancing | 85 | $9,102,000 | $107,000 | $934,000 | $68,000 | $253,000 |
| Home Improvement | 11 | $831,000 | $75,000 | $193,000 | $146,000 | $687,000 |
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 | 161 | $16,030,000 | $99,000 | $650,000 | $69,000 | $687,000 |
| Not Provided | 16 | $1,865,000 | $116,000 | $396,000 | $82,000 | $257,000 |
| Not applicable | 5 | $1,391,000 | $278,000 | $934,000 | $0 | $0 |
| Black or African American | 1 | $65,000 | $65,000 | $65,000 | $57,000 | $57,000 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 183 | $19,351,000 | $105,000 | $934,000 | $68,000 | $687,000 |
| 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 | 87 | $9,391,000 | $107,000 | $934,000 | $81,000 | $687,000 |
| Application Denied By Financial Institution | 27 | $2,522,000 | $93,000 | $396,000 | $62,000 | $253,000 |
| Preapproval Approved but not Accepted | 26 | $3,623,000 | $139,000 | $650,000 | $72,000 | $353,000 |
| Preapproval Denied by Financial Institution | 26 | $2,178,000 | $83,000 | $166,000 | $37,000 | $77,000 |
| Application Withdrawn By Applicant | 9 | $960,000 | $106,000 | $188,000 | $64,000 | $156,000 |
| File Closed For Incompleteness | 6 | $516,000 | $86,000 | $145,000 | $41,000 | $99,000 |
| Application Approved But Not Accepted | 2 | $161,000 | $80,000 | $120,000 | $83,000 | $101,000 |
| Loan Purchased By The 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 |
|---|---|---|---|---|---|---|
| Credit History | 19 | $1,745,000 | $91,000 | $396,000 | $61,000 | $253,000 |
| Other | 14 | $1,093,000 | $78,000 | $145,000 | $40,000 | $106,000 |
| Debt-To-Income Ratio | 10 | $1,058,000 | $105,000 | $166,000 | $32,000 | $90,000 |
| Collateral | 8 | $597,000 | $74,000 | $93,000 | $64,000 | $160,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $207,000 | $103,000 | $110,000 | $38,000 | $43,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Eaton National Bank & Trust Co's 2013 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 Eaton National Bank & Trust Co'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 Ohio, 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