Eave, Inc. Mortgage Lending & HMDA Data, 2021
In 2021, Eave, Inc. of Scottsdale, AR reported 538 mortgage applications totaling $362.1 million. The average application was for $672,973, and applicants reported an average income of $181,000. 82% of its applications resulted in an originated loan and 1% were denied. Its largest markets were San Diego-Carlsbad, CA (78), Oakland-Hayward-Berkeley, CA (51) and San Jose-Sunnyvale-Santa Clara, CA (46) (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 | 538 |
| Total Mortgage Loan Application Amount | $362,060,000 |
| Average Mortgage Loan Application Amount | $672,973 |
| Highest Mortgage Loan Application Amount | $3,105,000 |
| Average Applicant Income | $181,000 |
| Highest Applicant Income | $1,432,000 |
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Act (HMDA) records Eave, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| San Diego-Carlsbad, CA | 78 | $ 50,910,000 | $ 652,692 | $ 174,000 |
| Oakland-Hayward-Berkeley, CA | 51 | $ 47,255,000 | $ 926,568 | $ 231,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 46 | $ 64,030,000 | $ 1,391,956 | $ 335,000 |
| Denver-Aurora-Lakewood, CO | 43 | $ 20,125,000 | $ 468,023 | $ 171,000 |
| Los Angeles-Long Beach-Glendale, CA | 40 | $ 32,930,000 | $ 823,250 | $ 189,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 31 | $ 15,725,000 | $ 507,258 | $ 150,000 |
| Anaheim-Santa Ana-Irvine, CA | 28 | $ 19,180,000 | $ 685,000 | $ 158,000 |
| Riverside-San Bernardino-Ontario, CA | 23 | $ 11,805,000 | $ 513,260 | $ 156,000 |
| Houston-The Woodlands-Sugar Land, TX | 20 | $ 6,640,000 | $ 332,000 | $ 125,000 |
| Austin-Round Rock, TX | 18 | $ 7,430,000 | $ 412,777 | $ 142,000 |
| Dallas-Plano-Irving, TX | 12 | $ 4,170,000 | $ 347,500 | $ 134,000 |
| Phoenix-Mesa-Scottsdale, AZ | 10 | $ 4,370,000 | $ 437,000 | $ 141,000 |
| Colorado Springs, CO | 9 | $ 3,015,000 | $ 335,000 | $ 82,000 |
| Vallejo-Fairfield, CA | 9 | $ 4,535,000 | $ 503,888 | $ 137,000 |
| San Francisco-Redwood City-South San Francisco, CA | 8 | $ 10,960,000 | $ 1,370,000 | $ 304,000 |
| Santa Cruz-Watsonville, CA | 8 | $ 6,360,000 | $ 795,000 | $ 167,000 |
| Fort Worth-Arlington, TX | 7 | $ 3,625,000 | $ 517,857 | $ 179,000 |
| Orlando-Kissimmee-Sanford, FL | 7 | $ 2,145,000 | $ 306,428 | $ 87,000 |
| San Rafael, CA | 7 | $ 7,325,000 | $ 1,046,428 | $ 292,000 |
| Cape Coral-Fort Myers, FL | 6 | $ 1,800,000 | $ 300,000 | $ 91,000 |
| Outside any metro area | 6 | $ 1,810,000 | $ 301,666 | $ 139,166 |
| Portland-Vancouver-Hillsboro, OR-WA | 6 | $ 2,750,000 | $ 458,333 | $ 108,666 |
| San Antonio-New Braunfels, TX | 5 | $ 1,435,000 | $ 287,000 | $ 115,000 |
| Santa Rosa, CA | 5 | $ 3,935,000 | $ 787,000 | $ 170,000 |
| Stockton-Lodi, CA | 5 | $ 2,855,000 | $ 571,000 | $ 161,000 |
| Fort Collins, CO | 4 | $ 1,830,000 | $ 457,500 | $ 114,000 |
| Naples-Immokalee-Marco Island, FL | 4 | $ 1,820,000 | $ 455,000 | $ 207,000 |
| Tampa-St. Petersburg-Clearwater, FL | 4 | $ 2,490,000 | $ 622,500 | $ 142,000 |
| Greeley, CO | 3 | $ 1,535,000 | $ 511,666 | $ 159,000 |
| Jacksonville, FL | 3 | $ 775,000 | $ 258,333 | $ 83,000 |
| Miami-Miami Beach-Kendall, FL | 3 | $ 885,000 | $ 295,000 | $ 105,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 3 | $ 2,505,000 | $ 835,000 | $ 199,000 |
| Salinas, CA | 3 | $ 2,275,000 | $ 758,333 | $ 142,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 3 | $ 1,285,000 | $ 428,333 | $ 141,000 |
| Boulder, CO | 2 | $ 830,000 | $ 415,000 | $ 91,000 |
| Knoxville, TN | 2 | $ 750,000 | $ 375,000 | $ 96,000 |
| Bend-Redmond, OR | 1 | $ 485,000 | $ 485,000 | $ 366,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 215,000 | $ 215,000 | $ 53,000 |
| Fresno, CA | 1 | $ 435,000 | $ 435,000 | $ 106,000 |
| Lakeland-Winter Haven, FL | 1 | $ 185,000 | $ 185,000 | $ 45,000 |
| Modesto, CA | 1 | $ 405,000 | $ 405,000 | $ 79,000 |
| Montgomery County-Bucks County-Chester County, PA | 1 | $ 635,000 | $ 635,000 | $ 200,000 |
| Napa, CA | 1 | $ 675,000 | $ 675,000 | $ 195,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 425,000 | $ 425,000 | $ 197,000 |
| North Port-Sarasota-Bradenton, FL | 1 | $ 655,000 | $ 655,000 | $ 167,000 |
| Ocala, FL | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Santa Maria-Santa Barbara, CA | 1 | $ 705,000 | $ 705,000 | $ 196,000 |
| Tacoma-Lakewood, WA | 1 | $ 585,000 | $ 585,000 | $ 135,000 |
| Texarkana, TX-AR | 1 | $ 245,000 | $ 245,000 | $ 97,000 |
| Tyler, TX | 1 | $ 475,000 | $ 475,000 | $ 134,000 |
| Visalia-Porterville, CA | 1 | $ 165,000 | $ 165,000 | $ 147,000 |
Mortgage Loan Application Detail Totals for Eave, Inc. in 2021
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 | 538 | $362,060,000 | $672,000 | $3,105,000 | $181,000 | $1,432,000 |
| 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 | 272 | $175,160,000 | $643,000 | $2,015,000 | $181,000 | $1,432,000 |
| Asian | 126 | $108,470,000 | $860,000 | $3,105,000 | $218,000 | $741,000 |
| Hispanic | 64 | $31,980,000 | $499,000 | $1,765,000 | $132,000 | $516,000 |
| Not Provided | 54 | $36,360,000 | $673,000 | $1,935,000 | $178,000 | $515,000 |
| Black or African American | 19 | $8,935,000 | $470,000 | $1,125,000 | $131,000 | $258,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $215,000 | $215,000 | $215,000 | $47,000 | $47,000 |
| American Indian or Alaskan Native | 1 | $305,000 | $305,000 | $305,000 | $91,000 | $91,000 |
| Not applicable | 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) | 538 | $362,060,000 | $672,000 | $3,105,000 | $181,000 | $1,432,000 |
| 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 | 440 | $307,190,000 | $698,000 | $3,105,000 | $189,000 | $1,432,000 |
| Application Withdrawn By Applicant | 91 | $52,215,000 | $573,000 | $1,935,000 | $150,000 | $598,000 |
| Application Denied By Financial Institution | 5 | $1,825,000 | $365,000 | $725,000 | $95,000 | $169,000 |
| File Closed For Incompleteness | 2 | $830,000 | $415,000 | $635,000 | $95,000 | $150,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 533 | $360,235,000 | $675,000 | $3,105,000 | $182,000 | $1,432,000 |
| Collateral | 2 | $1,290,000 | $645,000 | $725,000 | $167,000 | $169,000 |
| Credit History | 2 | $380,000 | $190,000 | $215,000 | $0 | $0 |
| Employment History | 1 | $155,000 | $155,000 | $155,000 | $140,000 | $140,000 |
| 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 |
| Debt-To-Income Ratio | 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 2021 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.
For a list of all lenders in Arkansas, download the full spreadsheet
with aggregated HMDA statistics today.
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