Eagle Bank and Trust Company Mortgage Lending & HMDA Data, 2021

In 2021, Eagle Bank and Trust Company of Little Rock, AR reported 6,321 mortgage applications totaling $1.4 billion, down 10% from 2020. The average application was for $222,538, and applicants reported an average income of $92,998. 81% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Little Rock-North Little Rock-Conway, AR (1,906), Memphis, TN-MS-AR (1,006) and Idaho Falls, ID (943) (applications in parentheses).

Mortgage Company & Address Eagle Bank and Trust Company
650 South Shackleford Suite 150 P O Box 22120
Little Rock, AR 72211
Tel #: available with data download
Federal Regulator * available with data download
Years 2025  2024  2023  2022  2021  2020  2019  2018  2017  2016  2015  2014  2013  2012  2011  2010  2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 6,321
Total Mortgage Loan Application Amount $1,406,665,000
Average Mortgage Loan Application Amount $222,538
Highest Mortgage Loan Application Amount $1,405,000
Average Applicant Income $92,998
Highest Applicant Income $1,963,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Eagle Bank and Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Totals for Eagle Bank and Trust Company by County in 2021

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Pulaski, Arkansas 924 $ 190,600,000 $ 206,277 $ 98,000
Bonneville, Idaho 822 $ 227,260,000 $ 276,472 $ 99,000
Saline, Arkansas 509 $ 111,525,000 $ 219,106 $ 96,000
DeSoto, Mississippi 498 $ 109,130,000 $ 219,136 $ 89,000
Ouachita, Louisiana 447 $ 93,445,000 $ 209,049 $ 80,000
Benton, Arkansas 375 $ 95,455,000 $ 254,546 $ 112,000
Faulkner, Arkansas 357 $ 74,065,000 $ 207,464 $ 86,000
Crittenden, Arkansas 254 $ 34,820,000 $ 137,086 $ 62,000
Washington, Arkansas 252 $ 57,310,000 $ 227,420 $ 97,000
Lee, Florida 242 $ 50,010,000 $ 206,652 $ 79,000
Cleburne, Arkansas 166 $ 30,250,000 $ 182,228 $ 98,000
Shelby, Tennessee 164 $ 46,290,000 $ 282,256 $ 124,000
Jefferson, Idaho 120 $ 35,120,000 $ 292,666 $ 92,000
Craighead, Arkansas 115 $ 21,015,000 $ 182,739 $ 75,000
Bingham, Idaho 110 $ 28,990,000 $ 263,545 $ 83,000
Lonoke, Arkansas 88 $ 17,910,000 $ 203,522 $ 89,000
Van Buren, Arkansas 46 $ 6,520,000 $ 141,739 $ 90,000
Garland, Arkansas 42 $ 7,630,000 $ 181,666 $ 118,000
Madison, Idaho 41 $ 11,195,000 $ 273,048 $ 88,000
Tate, Mississippi 39 $ 7,505,000 $ 192,435 $ 83,000
Marshall, Mississippi 37 $ 7,765,000 $ 209,864 $ 77,000
Morehouse, Louisiana 32 $ 4,900,000 $ 153,125 $ 65,000
Greene, Arkansas 27 $ 5,075,000 $ 187,962 $ 58,000
White, Arkansas 25 $ 3,315,000 $ 132,600 $ 68,000
Fremont, Idaho 25 $ 7,905,000 $ 316,200 $ 107,000
Conway, Arkansas 23 $ 3,165,000 $ 137,608 $ 66,000
Bannock, Idaho 23 $ 5,545,000 $ 241,086 $ 75,000
Union, Louisiana 20 $ 3,960,000 $ 198,000 $ 81,000
Grant, Arkansas 19 $ 4,245,000 $ 223,421 $ 88,000
Lafayette, Mississippi 18 $ 3,300,000 $ 183,333 $ 124,000
Lincoln, Louisiana 16 $ 2,890,000 $ 180,625 $ 93,000
Franklin, Louisiana 15 $ 3,145,000 $ 209,666 $ 105,000
Poinsett, Arkansas 14 $ 1,610,000 $ 115,000 $ 59,000
Ada, Idaho 14 $ 5,120,000 $ 365,714 $ 120,000
Richland, Louisiana 13 $ 2,215,000 $ 170,384 $ 82,000
Panola, Mississippi 13 $ 2,515,000 $ 193,461 $ 72,000
Hot Spring, Arkansas 12 $ 2,120,000 $ 176,666 $ 87,000
Pope, Arkansas 12 $ 2,240,000 $ 186,666 $ 72,000
Sebastian, Arkansas 12 $ 1,780,000 $ 148,333 $ 99,000
Collier, Florida 11 $ 3,125,000 $ 284,090 $ 86,000
Mississippi, Arkansas 10 $ 1,900,000 $ 190,000 $ 112,000
Yell, Arkansas 10 $ 1,690,000 $ 169,000 $ 62,000
Pinellas, Florida 10 $ 3,300,000 $ 330,000 $ 267,000
West Carroll, Louisiana 10 $ 2,020,000 $ 202,000 $ 102,000
Perry, Arkansas 9 $ 1,515,000 $ 168,333 $ 68,000
Fayette, Tennessee 9 $ 2,725,000 $ 302,777 $ 115,000
Jefferson, Arkansas 8 $ 1,350,000 $ 168,750 $ 68,000
St. Francis, Arkansas 8 $ 1,480,000 $ 185,000 $ 73,000
Crawford, Arkansas 7 $ 1,155,000 $ 165,000 $ 72,000
Teton, Idaho 7 $ 3,925,000 $ 560,714 $ 235,000
Johnson, Texas 7 $ 1,405,000 $ 200,714 $ 85,000
Johnson, Arkansas 6 $ 870,000 $ 145,000 $ 45,000
Jackson, Louisiana 6 $ 1,240,000 $ 206,666 $ 91,000
Charlotte, Florida 5 $ 865,000 $ 173,000 $ 102,000
Canyon, Idaho 5 $ 1,345,000 $ 269,000 $ 108,000
Carroll, Arkansas 4 $ 630,000 $ 157,500 $ 80,000
Clark, Arkansas 4 $ 540,000 $ 135,000 $ 54,000
Montgomery, Arkansas 4 $ 510,000 $ 127,500 $ 170,000
Union, Arkansas 4 $ 910,000 $ 227,500 $ 112,000
Rapides, Louisiana 4 $ 860,000 $ 215,000 $ 75,000
Tunica, Mississippi 4 $ 450,000 $ 112,500 $ 45,000
Harris, Texas 4 $ 960,000 $ 240,000 $ 103,000
Tarrant, Texas 4 $ 830,000 $ 207,500 $ 126,000
Jefferson, Alabama 3 $ 1,705,000 $ 568,333 $ 184,000
Arkansas, Arkansas 3 $ 375,000 $ 125,000 $ 52,000
Franklin, Arkansas 3 $ 375,000 $ 125,000 $ 94,000
Logan, Arkansas 3 $ 375,000 $ 125,000 $ 85,000
Randolph, Arkansas 3 $ 345,000 $ 115,000 $ 68,000
Stone, Arkansas 3 $ 595,000 $ 198,333 $ 83,000
Caldwell, Louisiana 3 $ 555,000 $ 185,000 $ 98,000
Coahoma, Mississippi 3 $ 215,000 $ 71,666 $ 46,000
Lee, Mississippi 3 $ 675,000 $ 225,000 $ 65,000
McDonald, Missouri 3 $ 335,000 $ 111,666 $ 172,000
Clark, Nevada 3 $ 1,045,000 $ 348,333 $ 155,000
Tulsa, Oklahoma 3 $ 825,000 $ 275,000 $ 97,000
Fort Bend, Texas 3 $ 1,595,000 $ 531,666 $ 295,000
Utah, Utah 3 $ 1,135,000 $ 378,333 $ 135,000
Washington, Utah 3 $ 1,275,000 $ 425,000 $ 166,000
Lincoln, Wyoming 3 $ 715,000 $ 238,333 $ 132,000
Columbia, Arkansas 2 $ 330,000 $ 165,000 $ 62,000
Cross, Arkansas 2 $ 230,000 $ 115,000 $ 39,000
Drew, Arkansas 2 $ 430,000 $ 215,000 $ 152,000
Independence, Arkansas 2 $ 490,000 $ 245,000 $ 79,000
Madison, Arkansas 2 $ 320,000 $ 160,000 $ 69,000
Monroe, Arkansas 2 $ 120,000 $ 60,000 $ 69,000
Polk, Arkansas 2 $ 350,000 $ 175,000 $ 82,000
Hillsborough, Florida 2 $ 500,000 $ 250,000 $ 93,000
Polk, Florida 2 $ 170,000 $ 85,000 $ 27,000
Jerome, Idaho 2 $ 540,000 $ 270,000 $ 59,000
Power, Idaho 2 $ 400,000 $ 200,000 $ 63,000
Bossier, Louisiana 2 $ 400,000 $ 200,000 $ 58,000
Caddo, Louisiana 2 $ 290,000 $ 145,000 $ 64,000
East Baton Rouge, Louisiana 2 $ 370,000 $ 185,000 $ 118,000
La Salle, Louisiana 2 $ 260,000 $ 130,000 $ 37,000
Calhoun, Mississippi 2 $ 170,000 $ 85,000 $ 64,000
Harrison, Mississippi 2 $ 250,000 $ 125,000 $ 242,000
Lauderdale, Mississippi 2 $ 520,000 $ 260,000 $ 88,000
Rankin, Mississippi 2 $ 480,000 $ 240,000 $ 101,000
Greene, Missouri 2 $ 390,000 $ 195,000 $ 68,000
Jackson, Missouri 2 $ 500,000 $ 250,000 $ 126,000
Cleveland, Oklahoma 2 $ 280,000 $ 140,000 $ 100,000
Collin, Texas 2 $ 590,000 $ 295,000 $ 301,000
Rockwall, Texas 2 $ 390,000 $ 195,000 $ 151,000
Williamson, Texas 2 $ 500,000 $ 250,000 $ 68,000
Cache, Utah 2 $ 880,000 $ 440,000 $ 167,000
Davis, Utah 2 $ 680,000 $ 340,000 $ 107,000
Baldwin, Alabama 1 $ 205,000 $ 205,000 $ 70,000
Lauderdale, Alabama 1 $ 195,000 $ 195,000 $ 80,000
Madison, Alabama 1 $ 195,000 $ 195,000 $ 112,000
Ashley, Arkansas 1 $ 155,000 $ 155,000 $ 60,000
Baxter, Arkansas 1 $ 305,000 $ 305,000 $ 182,000
Calhoun, Arkansas 1 $ 85,000 $ 85,000 $ 28,000
Clay, Arkansas 1 $ 145,000 $ 145,000 $ 56,000
Cleveland, Arkansas 1 $ 175,000 $ 175,000 $ 48,000
Izard, Arkansas 1 $ 65,000 $ 65,000 $ 71,000
Jackson, Arkansas 1 $ 45,000 $ 45,000 $ 31,000
Ouachita, Arkansas 1 $ 125,000 $ 125,000 $ 21,000
Phillips, Arkansas 1 $ 265,000 $ 265,000 $ 104,000
Brevard, Florida 1 $ 335,000 $ 335,000 $ 92,000
Broward, Florida 1 $ 125,000 $ 125,000 $ 54,000
DeSoto, Florida 1 $ 165,000 $ 165,000 $ 51,000
Escambia, Florida 1 $ 315,000 $ 315,000 $ 56,000
Orange, Florida 1 $ 205,000 $ 205,000 $ 108,000
Osceola, Florida 1 $ 145,000 $ 145,000 $ 68,000
Pasco, Florida 1 $ 315,000 $ 315,000 $ 86,000
Sarasota, Florida 1 $ 235,000 $ 235,000 $ 98,000
Seminole, Florida 1 $ 385,000 $ 385,000 $ 178,000
St. Lucie, Florida 1 $ 265,000 $ 265,000 $ 60,000
Bartow, Georgia 1 $ 315,000 $ 315,000 $ 117,000
Boundary, Idaho 1 $ 155,000 $ 155,000 $ 168,000
Butte, Idaho 1 $ 145,000 $ 145,000 $ 110,000
Caribou, Idaho 1 $ 115,000 $ 115,000 $ 75,000
Clearwater, Idaho 1 $ 295,000 $ 295,000 $ 78,000
Payette, Idaho 1 $ 475,000 $ 475,000 $ 188,000
Twin Falls, Idaho 1 $ 245,000 $ 245,000 $ 75,000
Jefferson, Kentucky 1 $ 145,000 $ 145,000 $ 45,000
Ascension, Louisiana 1 $ 595,000 $ 595,000 $ 215,000
Bienville, Louisiana 1 $ 125,000 $ 125,000 $ 80,000
Calcasieu, Louisiana 1 $ 155,000 $ 155,000 $ 82,000
Catahoula, Louisiana 1 $ 165,000 $ 165,000 $ 76,000
Concordia, Louisiana 1 $ 195,000 $ 195,000 $ 80,000
Lafayette, Louisiana 1 $ 375,000 $ 375,000 $ 150,000
St. Charles, Louisiana 1 $ 345,000 $ 345,000 $ 134,000
St. Tammany, Louisiana 1 $ 475,000 $ 475,000 $ 192,000
Tensas, Louisiana 1 $ 235,000 $ 235,000 $ 109,000
Terrebonne, Louisiana 1 $ 235,000 $ 235,000 $ 150,000
Alcorn, Mississippi 1 $ 215,000 $ 215,000 $ 50,000
Benton, Mississippi 1 $ 65,000 $ 65,000 $ 40,000
Forrest, Mississippi 1 $ 125,000 $ 125,000 $ 169,000
Hinds, Mississippi 1 $ 305,000 $ 305,000 $ 104,000
Madison, Mississippi 1 $ 215,000 $ 215,000 $ 53,000
Oktibbeha, Mississippi 1 $ 445,000 $ 445,000 $ 150,000
Warren, Mississippi 1 $ 195,000 $ 195,000 $ 65,000
Barry, Missouri 1 $ 115,000 $ 115,000 $ 33,000
Butler, Missouri 1 $ 155,000 $ 155,000 $ 34,000
Christian, Missouri 1 $ 325,000 $ 325,000 $ 77,000
Clay, Missouri 1 $ 365,000 $ 365,000 $ 138,000
Dunklin, Missouri 1 $ 165,000 $ 165,000 $ 81,000
Newton, Missouri 1 $ 365,000 $ 365,000 $ 56,000
Platte, Missouri 1 $ 295,000 $ 295,000 $ 80,000
St. Louis, Missouri 1 $ 635,000 $ 635,000 $ 182,000
Taney, Missouri 1 $ 105,000 $ 105,000 $ 71,000
Delaware, Oklahoma 1 $ 165,000 $ 165,000 $ 70,000
Oklahoma, Oklahoma 1 $ 385,000 $ 385,000 $ 104,000
Horry, South Carolina 1 $ 75,000 $ 75,000 $ 42,000
Campbell, Tennessee 1 $ 695,000 $ 695,000 $ 312,000
Chester, Tennessee 1 $ 155,000 $ 155,000 $ 44,000
Davidson, Tennessee 1 $ 575,000 $ 575,000 $ 129,000
Dyer, Tennessee 1 $ 135,000 $ 135,000 $ 56,000
Montgomery, Tennessee 1 $ 365,000 $ 365,000 $ 90,000
Tipton, Tennessee 1 $ 165,000 $ 165,000 $ 68,000
Brazoria, Texas 1 $ 275,000 $ 275,000 $ 81,000
Cass, Texas 1 $ 95,000 $ 95,000 $ 52,000
Denton, Texas 1 $ 405,000 $ 405,000 $ 221,000
Gray, Texas 1 $ 175,000 $ 175,000 $ 75,000
Hays, Texas 1 $ 385,000 $ 385,000 $ 78,000
Matagorda, Texas 1 $ 205,000 $ 205,000 $ 73,000
Milam, Texas 1 $ 235,000 $ 235,000 $ 76,000
Smith, Texas 1 $ 205,000 $ 205,000 $ 51,000
Travis, Texas 1 $ 225,000 $ 225,000 $ 138,000
Wilbarger, Texas 1 $ 115,000 $ 115,000 $ 184,000
Box Elder, Utah 1 $ 285,000 $ 285,000 $ 0
Salt Lake, Utah 1 $ 415,000 $ 415,000 $ 152,000
Sublette, Wyoming 1 $ 175,000 $ 175,000 $ 45,000

Mortgage Loan Application Detail Totals for Eagle Bank and Trust Company 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 4,203 $958,395,000 $228,000 $1,405,000 $90,000 $1,963,000
Refinancing 1,185 $237,505,000 $200,000 $1,295,000 $101,000 $1,963,000
Cash-out Refinancing 868 $200,500,000 $230,000 $1,225,000 $97,000 $1,458,000
Other Purpose 55 $9,265,000 $168,000 $755,000 $80,000 $300,000
Home Improvement 10 $1,000,000 $100,000 $175,000 $129,000 $331,000
Not Applicable 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 4,922 $1,115,840,000 $226,000 $1,295,000 $96,000 $1,963,000
Black or African American 460 $84,580,000 $183,000 $635,000 $69,000 $300,000
Hispanic 417 $82,945,000 $198,000 $945,000 $71,000 $508,000
Not Provided 257 $57,855,000 $225,000 $1,405,000 $104,000 $415,000
Asian 194 $49,680,000 $256,000 $905,000 $110,000 $600,000
Not applicable 34 $7,430,000 $218,000 $1,225,000 $0 $0
American Indian or Alaskan Native 32 $7,370,000 $230,000 $535,000 $82,000 $245,000
Native Hawaiian or Other Pacific Islander 5 $965,000 $193,000 $335,000 $87,000 $182,000

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) 4,606 $1,032,290,000 $224,000 $1,295,000 $101,000 $1,963,000
FHA-insured (Federal Housing Administration) 926 $185,360,000 $200,000 $375,000 $63,000 $836,000
VA-guaranteed (Veterans Administration) 433 $127,335,000 $294,000 $1,405,000 $96,000 $508,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 356 $61,680,000 $173,000 $355,000 $53,000 $98,000

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 5,104 $1,152,300,000 $225,000 $1,405,000 $93,000 $1,963,000
Application Withdrawn By Applicant 965 $199,625,000 $206,000 $1,225,000 $93,000 $1,800,000
Application Denied By Financial Institution 195 $43,115,000 $221,000 $1,295,000 $97,000 $1,458,000
Application Approved But Not Accepted 50 $9,350,000 $187,000 $495,000 $84,000 $331,000
File Closed For Incompleteness 4 $1,450,000 $362,000 $425,000 $169,000 $420,000
Loan Purchased By The Institution 3 $825,000 $275,000 $475,000 $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 6,126 $1,363,550,000 $222,000 $1,405,000 $93,000 $1,963,000
Credit History 66 $12,220,000 $185,000 $665,000 $102,000 $1,458,000
Collateral 51 $13,365,000 $262,000 $755,000 $104,000 $348,000
Debt-To-Income Ratio 34 $6,740,000 $198,000 $545,000 $52,000 $125,000
Other 20 $3,650,000 $182,000 $395,000 $104,000 $198,000
Unverifiable Information 12 $4,090,000 $340,000 $1,295,000 $176,000 $936,000
Employment History 6 $1,440,000 $240,000 $315,000 $70,000 $110,000
Insufficient Cash (Downpayment, Closing Cost) 6 $1,610,000 $268,000 $485,000 $72,000 $124,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Credit Application Incomplete 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Eagle Bank and Trust Company'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 Eagle Bank and Trust Company'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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