Eagle Bank and Trust Company Mortgage Lending & HMDA Data, 2022

In 2022, Eagle Bank and Trust Company of Little Rock, AR reported 3,822 mortgage applications totaling $926.5 million, down 40% from 2021. The average application was for $242,404, and applicants reported an average income of $101,238. 76% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Little Rock-North Little Rock-Conway, AR (1,292), Memphis, TN-MS-AR (591) and Idaho Falls, ID (444) (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 3,822
Total Mortgage Loan Application Amount $926,470,000
Average Mortgage Loan Application Amount $242,404
Highest Mortgage Loan Application Amount $1,245,000
Average Applicant Income $101,238
Highest Applicant Income $1,365,000

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records Eagle Bank and Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2022

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Pulaski, Arkansas 559 $ 119,765,000 $ 214,248 $ 103,000
Bonneville, Idaho 394 $ 128,990,000 $ 327,385 $ 112,000
Saline, Arkansas 348 $ 75,700,000 $ 217,528 $ 97,000
DeSoto, Mississippi 297 $ 83,375,000 $ 280,723 $ 99,000
Ouachita, Louisiana 288 $ 63,350,000 $ 219,965 $ 94,000
Faulkner, Arkansas 265 $ 63,905,000 $ 241,150 $ 102,000
Benton, Arkansas 162 $ 46,830,000 $ 289,074 $ 126,000
Crittenden, Arkansas 148 $ 22,770,000 $ 153,851 $ 69,000
Lee, Florida 139 $ 35,205,000 $ 253,273 $ 96,000
Washington, Arkansas 134 $ 35,330,000 $ 263,656 $ 113,000
Cleburne, Arkansas 119 $ 24,435,000 $ 205,336 $ 113,000
Lonoke, Arkansas 97 $ 18,965,000 $ 195,515 $ 93,000
Shelby, Tennessee 86 $ 27,140,000 $ 315,581 $ 152,000
Craighead, Arkansas 77 $ 15,415,000 $ 200,194 $ 74,000
Jefferson, Idaho 50 $ 16,940,000 $ 338,800 $ 97,000
Bingham, Idaho 48 $ 13,510,000 $ 281,458 $ 95,000
Van Buren, Arkansas 37 $ 5,165,000 $ 139,594 $ 110,000
White, Arkansas 33 $ 5,565,000 $ 168,636 $ 81,000
Tate, Mississippi 33 $ 7,635,000 $ 231,363 $ 80,000
Morehouse, Louisiana 28 $ 4,770,000 $ 170,357 $ 82,000
Garland, Arkansas 26 $ 5,710,000 $ 219,615 $ 82,000
Conway, Arkansas 24 $ 4,360,000 $ 181,666 $ 72,000
Marshall, Mississippi 22 $ 5,170,000 $ 235,000 $ 79,000
Grant, Arkansas 19 $ 3,425,000 $ 180,263 $ 84,000
Union, Louisiana 18 $ 3,550,000 $ 197,222 $ 95,000
Bannock, Idaho 16 $ 4,310,000 $ 269,375 $ 86,000
Fremont, Idaho 16 $ 4,130,000 $ 258,125 $ 95,000
Madison, Idaho 16 $ 5,340,000 $ 333,750 $ 108,000
Lincoln, Louisiana 12 $ 2,470,000 $ 205,833 $ 94,000
Greene, Arkansas 11 $ 1,975,000 $ 179,545 $ 62,000
Hot Spring, Arkansas 10 $ 1,820,000 $ 182,000 $ 74,000
Richland, Louisiana 10 $ 1,850,000 $ 185,000 $ 112,000
Poinsett, Arkansas 8 $ 1,080,000 $ 135,000 $ 76,000
Sebastian, Arkansas 8 $ 2,230,000 $ 278,750 $ 118,000
Jefferson, Arkansas 7 $ 875,000 $ 125,000 $ 69,000
Mississippi, Arkansas 7 $ 865,000 $ 123,571 $ 77,000
Pope, Arkansas 7 $ 1,645,000 $ 235,000 $ 105,000
Ada, Idaho 7 $ 2,465,000 $ 352,142 $ 78,000
Stone, Arkansas 6 $ 1,040,000 $ 173,333 $ 95,000
Canyon, Idaho 6 $ 2,280,000 $ 380,000 $ 76,000
Jackson, Louisiana 6 $ 2,060,000 $ 343,333 $ 178,000
Washington, Utah 6 $ 2,320,000 $ 386,666 $ 213,000
Highlands, Florida 5 $ 605,000 $ 121,000 $ 52,000
West Carroll, Louisiana 5 $ 945,000 $ 189,000 $ 78,000
Baxter, Arkansas 4 $ 540,000 $ 135,000 $ 58,000
Cross, Arkansas 4 $ 850,000 $ 212,500 $ 85,000
Johnson, Arkansas 4 $ 760,000 $ 190,000 $ 55,000
Madison, Arkansas 4 $ 400,000 $ 100,000 $ 49,000
Marion, Arkansas 4 $ 730,000 $ 182,500 $ 80,000
Perry, Arkansas 4 $ 720,000 $ 180,000 $ 69,000
St. Francis, Arkansas 4 $ 820,000 $ 205,000 $ 108,000
Charlotte, Florida 4 $ 1,030,000 $ 257,500 $ 118,000
Panola, Mississippi 4 $ 500,000 $ 125,000 $ 88,000
Fayette, Tennessee 4 $ 860,000 $ 215,000 $ 67,000
Arkansas, Arkansas 3 $ 375,000 $ 125,000 $ 66,000
Boone, Arkansas 3 $ 485,000 $ 161,666 $ 59,000
Searcy, Arkansas 3 $ 375,000 $ 125,000 $ 92,000
Sevier, Arkansas 3 $ 665,000 $ 221,666 $ 80,000
Hendry, Florida 3 $ 575,000 $ 191,666 $ 66,000
Osceola, Florida 3 $ 935,000 $ 311,666 $ 106,000
Grenada, Mississippi 3 $ 435,000 $ 145,000 $ 59,000
Davidson, Tennessee 3 $ 905,000 $ 301,666 $ 60,000
Montgomery, Texas 3 $ 1,105,000 $ 368,333 $ 133,000
Carroll, Arkansas 2 $ 320,000 $ 160,000 $ 157,000
Clark, Arkansas 2 $ 210,000 $ 105,000 $ 43,000
Crawford, Arkansas 2 $ 370,000 $ 185,000 $ 111,000
Fulton, Arkansas 2 $ 90,000 $ 45,000 $ 28,000
Independence, Arkansas 2 $ 640,000 $ 320,000 $ 598,000
Lawrence, Arkansas 2 $ 380,000 $ 190,000 $ 73,000
Logan, Arkansas 2 $ 280,000 $ 140,000 $ 51,000
Montgomery, Arkansas 2 $ 240,000 $ 120,000 $ 125,000
Pike, Arkansas 2 $ 270,000 $ 135,000 $ 79,000
Prairie, Arkansas 2 $ 160,000 $ 80,000 $ 44,000
Randolph, Arkansas 2 $ 280,000 $ 140,000 $ 38,000
Sharp, Arkansas 2 $ 400,000 $ 200,000 $ 95,000
Union, Arkansas 2 $ 450,000 $ 225,000 $ 207,000
Collier, Florida 2 $ 710,000 $ 355,000 $ 142,000
Columbia, Florida 2 $ 220,000 $ 110,000 $ 56,000
Hillsborough, Florida 2 $ 560,000 $ 280,000 $ 163,000
Manatee, Florida 2 $ 560,000 $ 280,000 $ 271,000
Pasco, Florida 2 $ 300,000 $ 150,000 $ 102,000
Cassia, Idaho 2 $ 380,000 $ 190,000 $ 71,000
Lemhi, Idaho 2 $ 910,000 $ 455,000 $ 140,000
Twin Falls, Idaho 2 $ 580,000 $ 290,000 $ 70,000
Calcasieu, Louisiana 2 $ 440,000 $ 220,000 $ 81,000
Benton, Mississippi 2 $ 240,000 $ 120,000 $ 42,000
Lafayette, Mississippi 2 $ 320,000 $ 160,000 $ 62,000
Monroe, Mississippi 2 $ 210,000 $ 105,000 $ 112,000
Tishomingo, Mississippi 2 $ 220,000 $ 110,000 $ 122,000
Yalobusha, Mississippi 2 $ 540,000 $ 270,000 $ 69,000
McDonald, Missouri 2 $ 670,000 $ 335,000 $ 140,000
Knox, Tennessee 2 $ 670,000 $ 335,000 $ 178,000
Smith, Texas 2 $ 530,000 $ 265,000 $ 79,000
Tarrant, Texas 2 $ 580,000 $ 290,000 $ 121,000
Utah, Utah 2 $ 1,890,000 $ 945,000 $ 293,000
Baldwin, Alabama 1 $ 175,000 $ 175,000 $ 150,000
Mobile, Alabama 1 $ 845,000 $ 845,000 $ 159,000
Walker, Alabama 1 $ 285,000 $ 285,000 $ 84,000
Bradley, Arkansas 1 $ 125,000 $ 125,000 $ 50,000
Cleveland, Arkansas 1 $ 245,000 $ 245,000 $ 93,000
Izard, Arkansas 1 $ 35,000 $ 35,000 $ 17,000
Lee, Arkansas 1 $ 155,000 $ 155,000 $ 87,000
Monroe, Arkansas 1 $ 55,000 $ 55,000 $ 28,000
Ouachita, Arkansas 1 $ 165,000 $ 165,000 $ 33,000
Phillips, Arkansas 1 $ 35,000 $ 35,000 $ 81,000
Yell, Arkansas 1 $ 115,000 $ 115,000 $ 52,000
Mesa, Colorado 1 $ 305,000 $ 305,000 $ 65,000
Brevard, Florida 1 $ 85,000 $ 85,000 $ 35,000
Flagler, Florida 1 $ 225,000 $ 225,000 $ 60,000
Orange, Florida 1 $ 345,000 $ 345,000 $ 136,000
Pinellas, Florida 1 $ 815,000 $ 815,000 $ 391,000
Polk, Florida 1 $ 585,000 $ 585,000 $ 276,000
Sarasota, Florida 1 $ 265,000 $ 265,000 $ 99,000
Walton, Florida 1 $ 355,000 $ 355,000 $ 76,000
DeKalb, Georgia 1 $ 315,000 $ 315,000 $ 89,000
Bear Lake, Idaho 1 $ 125,000 $ 125,000 $ 65,000
Blaine, Idaho 1 $ 865,000 $ 865,000 $ 268,000
Custer, Idaho 1 $ 205,000 $ 205,000 $ 37,000
Gem, Idaho 1 $ 375,000 $ 375,000 $ 92,000
Kootenai, Idaho 1 $ 325,000 $ 325,000 $ 62,000
Teton, Idaho 1 $ 975,000 $ 975,000 $ 160,000
Avoyelles, Louisiana 1 $ 65,000 $ 65,000 $ 43,000
Bossier, Louisiana 1 $ 245,000 $ 245,000 $ 120,000
Caddo, Louisiana 1 $ 95,000 $ 95,000 $ 83,000
Franklin, Louisiana 1 $ 355,000 $ 355,000 $ 61,000
Jefferson, Louisiana 1 $ 185,000 $ 185,000 $ 46,000
Madison, Louisiana 1 $ 255,000 $ 255,000 $ 129,000
Webster, Louisiana 1 $ 145,000 $ 145,000 $ 64,000
Winn, Louisiana 1 $ 265,000 $ 265,000 $ 69,000
Lee, Mississippi 1 $ 255,000 $ 255,000 $ 51,000
Neshoba, Mississippi 1 $ 265,000 $ 265,000 $ 58,000
Oktibbeha, Mississippi 1 $ 335,000 $ 335,000 $ 161,000
Rankin, Mississippi 1 $ 465,000 $ 465,000 $ 116,000
Tippah, Mississippi 1 $ 295,000 $ 295,000 $ 98,000
Warren, Mississippi 1 $ 245,000 $ 245,000 $ 79,000
Jackson, Missouri 1 $ 275,000 $ 275,000 $ 227,000
Jasper, Missouri 1 $ 285,000 $ 285,000 $ 85,000
Marion, Missouri 1 $ 175,000 $ 175,000 $ 60,000
Platte, Missouri 1 $ 275,000 $ 275,000 $ 80,000
St. Louis City, Missouri 1 $ 185,000 $ 185,000 $ 56,000
Taney, Missouri 1 $ 335,000 $ 335,000 $ 97,000
Clark, Nevada 1 $ 455,000 $ 455,000 $ 175,000
Cherokee, Oklahoma 1 $ 145,000 $ 145,000 $ 39,000
Delaware, Oklahoma 1 $ 55,000 $ 55,000 $ 40,000
Jackson, Oklahoma 1 $ 105,000 $ 105,000 $ 37,000
McIntosh, Oklahoma 1 $ 65,000 $ 65,000 $ 130,000
Oklahoma, Oklahoma 1 $ 645,000 $ 645,000 $ 180,000
Roger Mills, Oklahoma 1 $ 85,000 $ 85,000 $ 51,000
Tulsa, Oklahoma 1 $ 205,000 $ 205,000 $ 52,000
Woodward, Oklahoma 1 $ 125,000 $ 125,000 $ 51,000
DeKalb, Tennessee 1 $ 305,000 $ 305,000 $ 126,000
Loudon, Tennessee 1 $ 495,000 $ 495,000 $ 125,000
Madison, Tennessee 1 $ 135,000 $ 135,000 $ 63,000
McNairy, Tennessee 1 $ 265,000 $ 265,000 $ 97,000
Sullivan, Tennessee 1 $ 135,000 $ 135,000 $ 54,000
Tipton, Tennessee 1 $ 295,000 $ 295,000 $ 160,000
Burleson, Texas 1 $ 355,000 $ 355,000 $ 222,000
Collin, Texas 1 $ 515,000 $ 515,000 $ 141,000
Dallas, Texas 1 $ 625,000 $ 625,000 $ 207,000
Denton, Texas 1 $ 515,000 $ 515,000 $ 238,000
Galveston, Texas 1 $ 455,000 $ 455,000 $ 389,000
Gregg, Texas 1 $ 545,000 $ 545,000 $ 116,000
Midland, Texas 1 $ 185,000 $ 185,000 $ 65,000
Williamson, Texas 1 $ 515,000 $ 515,000 $ 250,000
Davis, Utah 1 $ 615,000 $ 615,000 $ 137,000
Fremont, Wyoming 1 $ 265,000 $ 265,000 $ 89,000

Mortgage Loan Application Detail Totals for Eagle Bank and Trust Company 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 3,323 $817,485,000 $246,000 $1,245,000 $101,000 $1,119,000
Cash-out Refinancing 288 $68,310,000 $237,000 $1,005,000 $97,000 $1,185,000
Refinancing 147 $31,345,000 $213,000 $1,005,000 $103,000 $649,000
Other Purpose 46 $8,110,000 $176,000 $645,000 $132,000 $1,365,000
Home Improvement 18 $1,220,000 $67,000 $205,000 $120,000 $437,000
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 2,869 $699,885,000 $243,000 $1,075,000 $102,000 $1,365,000
Black or African American 338 $68,260,000 $201,000 $595,000 $79,000 $350,000
Hispanic 226 $54,540,000 $241,000 $635,000 $86,000 $966,000
Not Provided 215 $54,775,000 $254,000 $915,000 $125,000 $966,000
Asian 117 $33,715,000 $288,000 $795,000 $127,000 $383,000
Not applicable 38 $9,840,000 $258,000 $1,245,000 $0 $0
American Indian or Alaskan Native 11 $3,705,000 $336,000 $655,000 $140,000 $300,000
Native Hawaiian or Other Pacific Islander 8 $1,750,000 $218,000 $595,000 $75,000 $187,000

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) 2,681 $649,535,000 $242,000 $1,245,000 $111,000 $1,365,000
FHA-insured (Federal Housing Administration) 669 $151,085,000 $225,000 $615,000 $74,000 $379,000
VA-guaranteed (Veterans Administration) 298 $93,820,000 $314,000 $995,000 $101,000 $1,185,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 174 $32,030,000 $184,000 $405,000 $61,000 $104,000

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 2,909 $716,055,000 $246,000 $1,245,000 $100,000 $966,000
Application Withdrawn By Applicant 667 $157,805,000 $236,000 $1,075,000 $105,000 $1,185,000
Application Denied By Financial Institution 194 $40,670,000 $209,000 $995,000 $99,000 $1,365,000
Application Approved But Not Accepted 34 $8,600,000 $252,000 $645,000 $105,000 $281,000
Loan Purchased By The Institution 12 $1,810,000 $150,000 $335,000 $0 $0
File Closed For Incompleteness 6 $1,530,000 $255,000 $705,000 $90,000 $145,000
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 3,628 $885,800,000 $244,000 $1,245,000 $101,000 $1,185,000
Credit History 73 $11,865,000 $162,000 $605,000 $95,000 $1,365,000
Collateral 57 $13,935,000 $244,000 $995,000 $113,000 $500,000
Debt-To-Income Ratio 38 $9,330,000 $245,000 $745,000 $77,000 $355,000
Other 14 $2,270,000 $162,000 $335,000 $150,000 $584,000
Unverifiable Information 4 $1,140,000 $285,000 $375,000 $91,000 $143,000
Employment History 4 $540,000 $135,000 $265,000 $47,000 $63,000
Insufficient Cash (Downpayment, Closing Cost) 3 $1,285,000 $428,000 $645,000 $108,000 $153,000
Credit Application Incomplete 1 $305,000 $305,000 $305,000 $84,000 $84,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

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