Eaton National Bank & Trust Co Mortgage Lending & HMDA Data, 2006
In 2006, Eaton National Bank & Trust Co of Eaton, OH reported 174 mortgage applications totaling $17.1 million, up 7% from 2005. The average application was for $98,494, and applicants reported an average income of $58,408. 61% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Dayton, OH (89), Port St. Lucie-Fort Pierce, FL (6) and Cincinnati-Middletown, OH-KY-IN (3) (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 | 174 |
| Total Mortgage Loan Application Amount | $17,138,000 |
| Average Mortgage Loan Application Amount | $98,494 |
| Highest Mortgage Loan Application Amount | $750,000 |
| Average Applicant Income | $58,408 |
| Highest Applicant Income | $511,000 |
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records Eaton National Bank & Trust Co filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 89 | $ 7,743,000 | $ 87,000 | $ 62,000 |
| Port St. Lucie-Fort Pierce, FL | 6 | $ 1,320,000 | $ 220,000 | $ 44,000 |
| Cincinnati-Middletown, OH-KY-IN | 3 | $ 426,000 | $ 142,000 | $ 63,000 |
| Columbus, OH | 2 | $ 125,000 | $ 62,500 | $ 121,000 |
| Fort Walton Beach-Crestview-Destin, FL | 1 | $ 653,000 | $ 653,000 | $ 142,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 113,000 | $ 113,000 | $ 34,000 |
Mortgage Loan Application Detail Totals for Eaton National Bank & Trust Co in 2006
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 | 95 | $8,892,000 | $93,000 | $360,000 | $52,000 | $511,000 |
| Refinancing | 68 | $7,807,000 | $114,000 | $750,000 | $65,000 | $271,000 |
| Home Improvement | 11 | $439,000 | $39,000 | $125,000 | $73,000 | $164,000 |
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 | 169 | $16,132,000 | $95,000 | $750,000 | $58,000 | $511,000 |
| Hispanic | 3 | $287,000 | $95,000 | $150,000 | $44,000 | $65,000 |
| Black or African American | 1 | $66,000 | $66,000 | $66,000 | $33,000 | $33,000 |
| Not applicable | 1 | $653,000 | $653,000 | $653,000 | $142,000 | $142,000 |
| Not Provided | 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) | 174 | $17,138,000 | $98,000 | $750,000 | $58,000 | $511,000 |
| 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 | 107 | $9,335,000 | $87,000 | $653,000 | $63,000 | $271,000 |
| Application Withdrawn By Applicant | 29 | $4,150,000 | $143,000 | $750,000 | $71,000 | $511,000 |
| Preapproval Denied by Financial Institution | 19 | $1,330,000 | $70,000 | $155,000 | $33,000 | $63,000 |
| Application Denied By Financial Institution | 15 | $1,936,000 | $129,000 | $360,000 | $35,000 | $87,000 |
| File Closed For Incompleteness | 3 | $212,000 | $70,000 | $80,000 | $32,000 | $52,000 |
| Application Approved But Not Accepted | 1 | $175,000 | $175,000 | $175,000 | $41,000 | $41,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 17 | $1,742,000 | $102,000 | $360,000 | $33,000 | $62,000 |
| Credit History | 13 | $1,195,000 | $91,000 | $250,000 | $35,000 | $87,000 |
| Other | 4 | $329,000 | $82,000 | $109,000 | $35,000 | $54,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 Eaton National Bank & Trust Co's 2006 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.
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