Eagle One Mortgage Rates, Fees & Info
Claymont, DELEI: 5493009TOEDMWVNG1442
Tax ID: 23-1357108
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Mortgage Data
Review & Overview
Eagle One is a smaller mortgage company specializing in Home Improvement, Other, and Cash Out Refi loans. Eagle One has a high proportion of conventional loans. Their top markets by origination volume include: Philadelphia, Lancaster, Atlantic City, Salisbury, and East Stroudsburg among others. We have data for 6 markets. (Some data included below & more in-depth data is available with an active subscription.)Eagle One has an above average approval rate when compared to the average across all lenders. They have an above average pick rate when compared to similar lenders. Eagle One is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 15 Year Conventional Purchase | 6.09% | 12/16/24 |
| 15 Year Conventional Refi | 5.81% | 12/16/24 |
| 15 Year Cash-out Refi | 5.81% | 12/16/24 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Eagle One Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
32Origination Dollar Volume (All Markets)
$2,180,000Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 26 | $1,940,000 | $74,615 | $3,419 | 2.13% |
| LANCASTER, PA (FHA|USDA|VA) | 2 | $80,000 | $40,000 | $0 | 1.99% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 1.99% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 1.99% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 1.99% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 1.99% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 29 | $2,065,000 | $71,207 | $3,419 | 2.12% |
| HELOC | 3 | $115,000 | $38,333 | n/a | 1.99% |
For 2021, Eagle One's most frequently originated type of loan was Conventional, with 29 originations. Their 2nd most popular type was HELOC, with 3 originations.
Loan Reason
For 2021, Eagle One's most frequently cited loan purpose was Home Improvement, with 20 originations. The 2nd most popular reason was Other, with 9 originations.
Loan Duration/Length
For 2021, Eagle One's most frequently cited loan duration was 15 Year, with 17 originations. The 2nd most popular length was 10 Year, with 10 originations.
Origination Fees/Closing Costs
| Origination Fee/Closing Cost | Originations | Total Value | Average Loan |
|---|---|---|---|
| $<1k | 2 | $280,000 | $140,000 |
| $1k-2k | 1 | $395,000 | $395,000 |
Eagle One's average total fees were $3,846, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 2 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| <2.5% | 29 | $1,505,000 | $51,897 |
| 3-4% | 2 | $520,000 | $260,000 |
| 2.5-3% | 1 | $155,000 | $155,000 |
During 2021, Eagle One's average interest rate for loans was 3.36%, while their most frequently originated rate bucket for loans was <2.5%, with 29 originations.
Loan Sizing
2021 saw Eagle One place emphasis on $100,000 or less loans with 25 originations, totaling $1,055,000 in origination value.
Applicant Income
Eagle One lent most frequently to those with incomes in the $50k-75k range, with 9 originations. The second most popular income band? $50k or less, with 9 originations.
Applicant Debt to Income Ratio
Eagle One lent most frequently to those with DTI ratios of 30-36%, with 10 originations. The next most common DTI ratio? <20%, with 7 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Not provided | 29 | $1,505,000 | $51,897 | $0 | 1.99% |
| White | 3 | $675,000 | $225,000 | $3,419 | 3.20% |
Approval Rates
Total approvals of all applications100.00%
Eagle One has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination96.88%
Eagle One has an exceptionally high pick rate. They most likely have borrower friendly terms or other characteristics like being fast to close or are easy to work with.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 32 | $2,180,000 | $68,125 |