Eaton National Bank & Trust Co Mortgage Lending & HMDA Data, 2008
In 2008, Eaton National Bank & Trust Co of Eaton, OH reported 106 mortgage applications totaling $11.6 million, down 13% from 2007. The average application was for $109,811, and applicants reported an average income of $61,688. 88% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Dayton, OH (82), Columbus, OH (11) 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 | 106 |
| Total Mortgage Loan Application Amount | $11,640,000 |
| Average Mortgage Loan Application Amount | $109,811 |
| Highest Mortgage Loan Application Amount | $800,000 |
| Average Applicant Income | $61,688 |
| Highest Applicant Income | $701,000 |
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records Eaton National Bank & Trust Co filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 82 | $ 7,717,000 | $ 94,109 | $ 66,000 |
| Columbus, OH | 11 | $ 1,329,000 | $ 120,818 | $ 31,000 |
| Cincinnati-Middletown, OH-KY-IN | 3 | $ 1,380,000 | $ 460,000 | $ 38,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 65,000 | $ 65,000 | $ 62,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1 | $ 203,000 | $ 203,000 | $ 103,000 |
Mortgage Loan Application Detail Totals for Eaton National Bank & Trust Co in 2008
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 | 51 | $5,215,000 | $102,000 | $800,000 | $51,000 | $448,000 |
| Refinancing | 47 | $6,229,000 | $132,000 | $444,000 | $78,000 | $701,000 |
| Home Improvement | 8 | $196,000 | $24,000 | $55,000 | $34,000 | $67,000 |
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 | $11,296,000 | $111,000 | $800,000 | $63,000 | $701,000 |
| Black or African American | 5 | $344,000 | $68,000 | $70,000 | $35,000 | $40,000 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 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) | 106 | $11,640,000 | $109,000 | $800,000 | $62,000 | $701,000 |
| 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 | 93 | $10,510,000 | $113,000 | $800,000 | $64,000 | $701,000 |
| Application Withdrawn By Applicant | 7 | $532,000 | $76,000 | $99,000 | $43,000 | $55,000 |
| Application Denied By Financial Institution | 5 | $368,000 | $73,000 | $92,000 | $46,000 | $62,000 |
| File Closed For Incompleteness | 1 | $230,000 | $230,000 | $230,000 | $77,000 | $77,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 3 | $216,000 | $72,000 | $81,000 | $41,000 | $62,000 |
| Collateral | 2 | $152,000 | $76,000 | $92,000 | $53,000 | $55,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Eaton National Bank & Trust Co's 2008 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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