Eave, Inc. Mortgage Lending & HMDA Data, 2022
In 2022, Eave, Inc. of Scottsdale, AR reported 809 mortgage applications totaling $419.8 million, up 50% from 2021. The average application was for $518,930, and applicants reported an average income of $169,000. 74% of its applications resulted in an originated loan and 1% were denied. Its largest markets were Denver-Aurora-Lakewood, CO (80), San Diego-Carlsbad, CA (74) and Phoenix-Mesa-Scottsdale, AZ (64) (applications in parentheses).
| Mortgage Company & Address | Eave, Inc. 8701 E Hartford Dr #210 Scottsdale, AR 85257 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2022 2021 |
| Total Number of Mortgage Applications | 809 |
| Total Mortgage Loan Application Amount | $419,815,000 |
| Average Mortgage Loan Application Amount | $518,930 |
| Highest Mortgage Loan Application Amount | $2,575,000 |
| Average Applicant Income | $169,000 |
| Highest Applicant Income | $1,124,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Eave, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| San Diego, California | 74 | $ 50,830,000 | $ 686,891 | $ 196,000 |
| Maricopa, Arizona | 60 | $ 26,260,000 | $ 437,666 | $ 137,000 |
| Harris, Texas | 35 | $ 14,885,000 | $ 425,285 | $ 181,000 |
| Los Angeles, California | 34 | $ 28,630,000 | $ 842,058 | $ 221,000 |
| Miami-Dade, Florida | 28 | $ 16,210,000 | $ 578,928 | $ 220,000 |
| Riverside, California | 26 | $ 11,380,000 | $ 437,692 | $ 134,000 |
| Sacramento, California | 26 | $ 12,260,000 | $ 471,538 | $ 158,000 |
| Broward, Florida | 24 | $ 9,640,000 | $ 401,666 | $ 161,000 |
| Orange, California | 23 | $ 14,615,000 | $ 635,434 | $ 190,000 |
| Contra Costa, California | 21 | $ 17,215,000 | $ 819,761 | $ 254,000 |
| Arapahoe, Colorado | 21 | $ 10,205,000 | $ 485,952 | $ 141,000 |
| Placer, California | 19 | $ 10,325,000 | $ 543,421 | $ 152,000 |
| Jefferson, Colorado | 19 | $ 10,365,000 | $ 545,526 | $ 168,000 |
| Alameda, California | 16 | $ 11,730,000 | $ 733,125 | $ 201,000 |
| Adams, Colorado | 14 | $ 6,760,000 | $ 482,857 | $ 128,000 |
| Fort Bend, Texas | 14 | $ 5,830,000 | $ 416,428 | $ 159,000 |
| Denver, Colorado | 13 | $ 6,125,000 | $ 471,153 | $ 139,000 |
| Douglas, Colorado | 13 | $ 6,925,000 | $ 532,692 | $ 190,000 |
| Santa Clara, California | 12 | $ 15,640,000 | $ 1,303,333 | $ 328,000 |
| Denton, Texas | 12 | $ 5,970,000 | $ 497,500 | $ 209,000 |
| San Bernardino, California | 10 | $ 4,770,000 | $ 477,000 | $ 188,000 |
| Bexar, Texas | 10 | $ 3,140,000 | $ 314,000 | $ 97,000 |
| Tarrant, Texas | 10 | $ 3,230,000 | $ 323,000 | $ 130,000 |
| Hillsborough, Florida | 9 | $ 3,665,000 | $ 407,222 | $ 141,000 |
| Palm Beach, Florida | 9 | $ 4,165,000 | $ 462,777 | $ 150,000 |
| Kaufman, Texas | 9 | $ 2,665,000 | $ 296,111 | $ 102,000 |
| Weld, Colorado | 7 | $ 3,775,000 | $ 539,285 | $ 196,000 |
| Pasco, Florida | 7 | $ 2,475,000 | $ 353,571 | $ 136,000 |
| San Mateo, California | 6 | $ 5,050,000 | $ 841,666 | $ 266,000 |
| Santa Cruz, California | 6 | $ 5,940,000 | $ 990,000 | $ 355,000 |
| El Paso, Colorado | 6 | $ 2,120,000 | $ 353,333 | $ 97,000 |
| Larimer, Colorado | 6 | $ 2,730,000 | $ 455,000 | $ 116,000 |
| Montgomery, Texas | 6 | $ 1,570,000 | $ 261,666 | $ 128,000 |
| Sonoma, California | 5 | $ 4,205,000 | $ 841,000 | $ 289,000 |
| Ventura, California | 5 | $ 4,195,000 | $ 839,000 | $ 270,000 |
| Boulder, Colorado | 5 | $ 2,705,000 | $ 541,000 | $ 138,000 |
| Brevard, Florida | 5 | $ 1,525,000 | $ 305,000 | $ 100,000 |
| Lake, Florida | 5 | $ 1,725,000 | $ 345,000 | $ 96,000 |
| Orange, Florida | 5 | $ 1,705,000 | $ 341,000 | $ 121,000 |
| Osceola, Florida | 5 | $ 1,415,000 | $ 283,000 | $ 80,000 |
| Seminole, Florida | 5 | $ 1,675,000 | $ 335,000 | $ 136,000 |
| Dallas, Texas | 5 | $ 1,515,000 | $ 303,000 | $ 135,000 |
| Pinal, Arizona | 4 | $ 1,470,000 | $ 367,500 | $ 118,000 |
| El Dorado, California | 4 | $ 1,570,000 | $ 392,500 | $ 136,000 |
| Solano, California | 4 | $ 2,090,000 | $ 522,500 | $ 184,000 |
| Clay, Florida | 4 | $ 870,000 | $ 217,500 | $ 81,000 |
| Lee, Florida | 4 | $ 1,660,000 | $ 415,000 | $ 200,000 |
| Polk, Florida | 4 | $ 980,000 | $ 245,000 | $ 92,000 |
| Travis, Texas | 4 | $ 2,340,000 | $ 585,000 | $ 202,000 |
| Williamson, Texas | 4 | $ 1,280,000 | $ 320,000 | $ 113,000 |
| Pima, Arizona | 3 | $ 1,085,000 | $ 361,666 | $ 73,000 |
| San Joaquin, California | 3 | $ 1,475,000 | $ 491,666 | $ 115,000 |
| Santa Barbara, California | 3 | $ 4,085,000 | $ 1,361,666 | $ 377,000 |
| Bay, Florida | 3 | $ 1,855,000 | $ 618,333 | $ 383,000 |
| Charlotte, Florida | 3 | $ 825,000 | $ 275,000 | $ 102,000 |
| Collier, Florida | 3 | $ 1,255,000 | $ 418,333 | $ 209,000 |
| Flagler, Florida | 3 | $ 745,000 | $ 248,333 | $ 70,000 |
| Hernando, Florida | 3 | $ 615,000 | $ 205,000 | $ 110,000 |
| Manatee, Florida | 3 | $ 615,000 | $ 205,000 | $ 127,000 |
| Pinellas, Florida | 3 | $ 1,045,000 | $ 348,333 | $ 107,000 |
| Sarasota, Florida | 3 | $ 965,000 | $ 321,666 | $ 166,000 |
| Volusia, Florida | 3 | $ 825,000 | $ 275,000 | $ 127,000 |
| Collin, Texas | 3 | $ 1,305,000 | $ 435,000 | $ 147,000 |
| Ellis, Texas | 3 | $ 1,055,000 | $ 351,666 | $ 97,000 |
| Guadalupe, Texas | 3 | $ 905,000 | $ 301,666 | $ 119,000 |
| Smith, Texas | 3 | $ 1,065,000 | $ 355,000 | $ 142,000 |
| Kitsap, Washington | 3 | $ 1,115,000 | $ 371,666 | $ 106,000 |
| Mohave, Arizona | 2 | $ 520,000 | $ 260,000 | $ 87,000 |
| Yavapai, Arizona | 2 | $ 430,000 | $ 215,000 | $ 83,000 |
| Fresno, California | 2 | $ 660,000 | $ 330,000 | $ 95,000 |
| Napa, California | 2 | $ 1,530,000 | $ 765,000 | $ 226,000 |
| Nevada, California | 2 | $ 630,000 | $ 315,000 | $ 135,000 |
| San Luis Obispo, California | 2 | $ 1,200,000 | $ 600,000 | $ 119,000 |
| Stanislaus, California | 2 | $ 880,000 | $ 440,000 | $ 152,000 |
| Yolo, California | 2 | $ 900,000 | $ 450,000 | $ 98,000 |
| Garfield, Colorado | 2 | $ 1,000,000 | $ 500,000 | $ 123,000 |
| Pueblo, Colorado | 2 | $ 810,000 | $ 405,000 | $ 144,000 |
| Alachua, Florida | 2 | $ 500,000 | $ 250,000 | $ 373,000 |
| Duval, Florida | 2 | $ 500,000 | $ 250,000 | $ 76,000 |
| Indian River, Florida | 2 | $ 850,000 | $ 425,000 | $ 176,000 |
| Marion, Florida | 2 | $ 480,000 | $ 240,000 | $ 59,000 |
| St. Johns, Florida | 2 | $ 1,000,000 | $ 500,000 | $ 153,000 |
| Brazoria, Texas | 2 | $ 670,000 | $ 335,000 | $ 136,000 |
| Cameron, Texas | 2 | $ 490,000 | $ 245,000 | $ 82,000 |
| Comal, Texas | 2 | $ 840,000 | $ 420,000 | $ 190,000 |
| Galveston, Texas | 2 | $ 540,000 | $ 270,000 | $ 119,000 |
| Harrison, Texas | 2 | $ 710,000 | $ 355,000 | $ 128,000 |
| San Patricio, Texas | 2 | $ 630,000 | $ 315,000 | $ 117,000 |
| Waller, Texas | 2 | $ 490,000 | $ 245,000 | $ 135,000 |
| Spokane, Washington | 2 | $ 730,000 | $ 365,000 | $ 137,000 |
| Amador, California | 1 | $ 375,000 | $ 375,000 | $ 130,000 |
| Kern, California | 1 | $ 465,000 | $ 465,000 | $ 89,000 |
| Marin, California | 1 | $ 1,085,000 | $ 1,085,000 | $ 235,000 |
| Monterey, California | 1 | $ 605,000 | $ 605,000 | $ 226,000 |
| San Francisco, California | 1 | $ 895,000 | $ 895,000 | $ 154,000 |
| Sutter, California | 1 | $ 205,000 | $ 205,000 | $ 145,000 |
| Yuba, California | 1 | $ 305,000 | $ 305,000 | $ 81,000 |
| Eagle, Colorado | 1 | $ 355,000 | $ 355,000 | $ 145,000 |
| Logan, Colorado | 1 | $ 175,000 | $ 175,000 | $ 129,000 |
| Teller, Colorado | 1 | $ 575,000 | $ 575,000 | $ 231,000 |
| Leon, Florida | 1 | $ 455,000 | $ 455,000 | $ 155,000 |
| St. Lucie, Florida | 1 | $ 435,000 | $ 435,000 | $ 95,000 |
| Douglas, Oregon | 1 | $ 335,000 | $ 335,000 | $ 109,000 |
| Josephine, Oregon | 1 | $ 115,000 | $ 115,000 | $ 67,000 |
| Marion, Oregon | 1 | $ 545,000 | $ 545,000 | $ 167,000 |
| Hardin, Tennessee | 1 | $ 165,000 | $ 165,000 | $ 78,000 |
| Knox, Tennessee | 1 | $ 225,000 | $ 225,000 | $ 110,000 |
| Rhea, Tennessee | 1 | $ 135,000 | $ 135,000 | $ 71,000 |
| Shelby, Tennessee | 1 | $ 75,000 | $ 75,000 | $ 149,000 |
| Wilson, Tennessee | 1 | $ 405,000 | $ 405,000 | $ 97,000 |
| Bastrop, Texas | 1 | $ 595,000 | $ 595,000 | $ 215,000 |
| Bell, Texas | 1 | $ 645,000 | $ 645,000 | $ 227,000 |
| Chambers, Texas | 1 | $ 605,000 | $ 605,000 | $ 295,000 |
| Cherokee, Texas | 1 | $ 275,000 | $ 275,000 | $ 74,000 |
| Ector, Texas | 1 | $ 235,000 | $ 235,000 | $ 263,000 |
| Hays, Texas | 1 | $ 615,000 | $ 615,000 | $ 154,000 |
| Hidalgo, Texas | 1 | $ 195,000 | $ 195,000 | $ 129,000 |
| Hood, Texas | 1 | $ 215,000 | $ 215,000 | $ 163,000 |
| Midland, Texas | 1 | $ 275,000 | $ 275,000 | $ 96,000 |
| King, Washington | 1 | $ 385,000 | $ 385,000 | $ 126,000 |
Mortgage Loan Application Detail Totals for Eave, Inc. in 2022
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 | 809 | $419,815,000 | $518,000 | $2,575,000 | $169,000 | $1,124,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 0 | $0 | $0 | $0 | $0 | $0 |
| Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
| Cash-out Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 648 | $320,550,000 | $494,000 | $1,965,000 | $167,000 | $1,124,000 |
| Not Provided | 34 | $19,560,000 | $575,000 | $1,615,000 | $182,000 | $465,000 |
| Black or African American | 30 | $12,360,000 | $412,000 | $975,000 | $127,000 | $295,000 |
| Hispanic | 2 | $1,420,000 | $710,000 | $1,245,000 | $235,000 | $360,000 |
| Asian | 2 | $870,000 | $435,000 | $745,000 | $127,000 | $179,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $605,000 | $605,000 | $605,000 | $192,000 | $192,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 789 | $408,455,000 | $517,000 | $2,575,000 | $168,000 | $1,124,000 |
| VA-guaranteed (Veterans Administration) | 20 | $11,360,000 | $568,000 | $985,000 | $177,000 | $354,000 |
| 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 |
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 | 597 | $303,355,000 | $508,000 | $2,575,000 | $167,000 | $1,124,000 |
| Application Withdrawn By Applicant | 194 | $105,870,000 | $545,000 | $2,045,000 | $174,000 | $515,000 |
| Application Denied By Financial Institution | 10 | $6,390,000 | $639,000 | $1,685,000 | $151,000 | $300,000 |
| Preapproval Approved but not Accepted | 6 | $3,250,000 | $541,000 | $825,000 | $168,000 | $248,000 |
| File Closed For Incompleteness | 2 | $950,000 | $475,000 | $535,000 | $156,000 | $163,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 799 | $413,425,000 | $517,000 | $2,575,000 | $169,000 | $1,124,000 |
| Debt-To-Income Ratio | 6 | $4,500,000 | $750,000 | $1,685,000 | $143,000 | $300,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $950,000 | $475,000 | $565,000 | $118,000 | $140,000 |
| Credit History | 2 | $940,000 | $470,000 | $605,000 | $207,000 | $295,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Eave, Inc.'s 2022 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 Eave, Inc.'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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