Eaton National Bank & Trust Co Mortgage Lending & HMDA Data, 2007
In 2007, Eaton National Bank & Trust Co of Eaton, OH reported 122 mortgage applications totaling $12.0 million, down 30% from 2006. The average application was for $98,565, and applicants reported an average income of $57,204. 86% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Dayton, OH (86), Cincinnati-Middletown, OH-KY-IN (7) and Columbus, OH (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 | 122 |
| Total Mortgage Loan Application Amount | $12,025,000 |
| Average Mortgage Loan Application Amount | $98,565 |
| Highest Mortgage Loan Application Amount | $808,000 |
| Average Applicant Income | $57,204 |
| Highest Applicant Income | $481,000 |
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records Eaton National Bank & Trust Co filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Eaton National Bank & Trust Co in 2007
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 | 57 | $5,991,000 | $105,000 | $421,000 | $57,000 | $481,000 |
| Home Purchase | 55 | $5,549,000 | $100,000 | $808,000 | $56,000 | $127,000 |
| Home Improvement | 10 | $485,000 | $48,000 | $115,000 | $65,000 | $157,000 |
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 | 122 | $12,025,000 | $98,000 | $808,000 | $57,000 | $481,000 |
| 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 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 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) | 122 | $12,025,000 | $98,000 | $808,000 | $57,000 | $481,000 |
| 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 | 105 | $10,201,000 | $97,000 | $808,000 | $61,000 | $481,000 |
| Application Denied By Financial Institution | 7 | $712,000 | $101,000 | $290,000 | $19,000 | $59,000 |
| Application Withdrawn By Applicant | 7 | $819,000 | $117,000 | $163,000 | $57,000 | $82,000 |
| Application Approved But Not Accepted | 3 | $293,000 | $97,000 | $175,000 | $16,000 | $26,000 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Credit History | 2 | $64,000 | $32,000 | $60,000 | $47,000 | $59,000 |
| Debt-To-Income Ratio | 2 | $271,000 | $135,000 | $140,000 | $0 | $0 |
| Collateral | 2 | $331,000 | $165,000 | $290,000 | $9,000 | $18,000 |
| Unverifiable Information | 1 | $46,000 | $46,000 | $46,000 | $20,000 | $20,000 |
| 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Eaton National Bank & Trust Co's 2007 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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