Eaton National Bank & Trust Co Mortgage Lending & HMDA Data, 2012
In 2012, Eaton National Bank & Trust Co of Eaton, OH reported 182 mortgage applications totaling $18.6 million, up 96% from 2011. The average application was for $102,115, and applicants reported an average income of $72,769. 70% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Dayton, OH (157), Cincinnati-Middletown, OH-KY-IN (8) and Chicago-Joliet-Naperville, IL (1) (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 | 182 |
| Total Mortgage Loan Application Amount | $18,585,000 |
| Average Mortgage Loan Application Amount | $102,115 |
| Highest Mortgage Loan Application Amount | $427,000 |
| Average Applicant Income | $72,769 |
| Highest Applicant Income | $515,000 |
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records Eaton National Bank & Trust Co filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 157 | $ 15,200,000 | $ 96,815 | $ 68,000 |
| Cincinnati-Middletown, OH-KY-IN | 8 | $ 1,386,000 | $ 173,250 | $ 182,000 |
| Chicago-Joliet-Naperville, IL | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Columbus, OH | 1 | $ 229,000 | $ 229,000 | $ 94,000 |
| Port St. Lucie, FL | 1 | $ 411,000 | $ 411,000 | $ 36,000 |
| Sebastian-Vero Beach, FL | 1 | $ 63,000 | $ 63,000 | $ 134,000 |
Mortgage Loan Application Detail Totals for Eaton National Bank & Trust Co in 2012
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 |
|---|---|---|---|---|---|---|
| Refinancing | 145 | $14,745,000 | $101,000 | $427,000 | $64,000 | $256,000 |
| Home Purchase | 33 | $3,595,000 | $108,000 | $252,000 | $100,000 | $351,000 |
| Home Improvement | 4 | $245,000 | $61,000 | $150,000 | $166,000 | $515,000 |
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 | 130 | $12,302,000 | $94,000 | $427,000 | $70,000 | $515,000 |
| Not Provided | 44 | $5,565,000 | $126,000 | $370,000 | $93,000 | $315,000 |
| Not applicable | 8 | $718,000 | $89,000 | $143,000 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 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) | 182 | $18,585,000 | $102,000 | $427,000 | $73,000 | $515,000 |
| 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 | 127 | $12,517,000 | $98,000 | $427,000 | $70,000 | $515,000 |
| Application Withdrawn By Applicant | 22 | $2,336,000 | $106,000 | $250,000 | $80,000 | $301,000 |
| Application Denied By Financial Institution | 19 | $1,773,000 | $93,000 | $198,000 | $61,000 | $210,000 |
| File Closed For Incompleteness | 14 | $1,959,000 | $139,000 | $370,000 | $105,000 | $315,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 11 | $962,000 | $87,000 | $181,000 | $76,000 | $210,000 |
| Debt-To-Income Ratio | 4 | $413,000 | $103,000 | $198,000 | $48,000 | $72,000 |
| Credit History | 2 | $261,000 | $130,000 | $167,000 | $25,000 | $51,000 |
| Employment History | 1 | $49,000 | $49,000 | $49,000 | $21,000 | $21,000 |
| Other | 1 | $88,000 | $88,000 | $88,000 | $50,000 | $50,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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 2012 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.
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