Eagle Home Mortgage Rates, Fees & Info

NORTH PALM BEACH, FL

LEI: 549300H3IZO24NSOO931

Tax ID: 59-1494026

2020 Data | 2019 Data | 2018 Data


Overview

Eagle Home Mortgage is a large mortgage company specializing in Home Purchase loans. Eagle Home Mortgage has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets include Tampa, Riverside, Houston, Phoenix, and Denver among others. They have an average approval rate for mortages when compared nationally -- and they have a below average pick rate when compared to the same sample of other lendors. Eagle Home Mortgage is typically a high fee lendor.


Originations

40,354

Origination Dollar Volume (All Markets)

$13,083,840,000

Relative Rate

Eagle Home Mortgage 's average 30 year fixed rate mortgage was 3.17%.

The 2020 average 30 year fixed rate mortgage across all markets was 3.36%.

This yields a difference of -0.19%.

Relative Fees

Eagle Home Mortgage 's average total fees for a 30 year fixed rate mortgage are $6,155.

The average total origination fees for 30 year fixed rate mortgages (for all loan values, including both points & up-front fees in addition to origination fees) are $5,021.

Product Mix

Loan Type Originations Total Value Average Loan Average Fees Average Rate
Conventional 26,924 $8,955,710,000 $332,629 $4,826 3.15%
FHA 8,607 $2,427,205,000 $282,004 $9,748 3.18%
VA 4,579 $1,643,685,000 $358,962 $6,015 3.03%
USDA 244 $57,240,000 $234,590 $6,708 3.01%

For the 2020 period, Eagle Home Mortgage 's most frequently originated loan type was Conventional, with 26,924 originations. Their 2nd most popular type is FHA, with 8,607 originations.

Loan Reason

Loan Reason Originations Total Value Average Loan Average Fees Average Rate
Home Purchase 38,189 $12,372,005,000 $323,968 $6,187 3.15%
Refi 1,733 $574,075,000 $331,261 $3,022 3.03%
Cash Out Refi 355 $112,985,000 $318,268 $3,381 3.19%
Home Improvement 77 $24,775,000 $321,753 $3,039 3.09%

For the 2020, Eagle Home Mortgage 's most frequently cited loan purpose was Home Purchase, with 38,189 originations. The 2nd most popular reason was Refi, with 1,733 originations.

Loan Duration/Length

Loan Length Originations Total Value Average Loan Average Fees Average Rate
30 Year 38,103 $12,489,465,000 $327,782 $6,155 3.17%
15 Year 1,979 $523,695,000 $264,626 $3,788 2.73%
20 Year 183 $51,825,000 $283,197 $3,701 3.30%
10 Year 67 $12,425,000 $185,448 $2,550 2.64%
Other 20 $6,360,000 $318,000 $2,828 3.01%
5 Year 2 $70,000 $35,000 $877 4.31%

For the 2020, Eagle Home Mortgage 's most frequently cited loan length was 30 Year, with 38,103 originations. The 2nd most popular length was 15 Year, with 1,979 originations.

Origination Fees

Origination Fee Originations Total Value Average Loan
$1k-2k 20,140 $6,487,280,000 $322,109
$<1k 8,862 $2,682,680,000 $302,717
$3k-4k 4,781 $1,612,635,000 $337,301
$2k-3k 4,232 $1,301,120,000 $307,448
$5k+ 2,338 $999,580,000 $427,536

$6,155 was Eagle Home Mortgage 's average total fees, while their most frequently occuring range of origination fees were in the $1k-2k bucket, with 20,140 originations.

Top Markets

Market Originations Total Value Average Loan Average Fees Average Rate
TAMPA-ST. PETERSBURG-CLEARWATER, FL 3,172 $825,650,000 $260,293 $5,856 3.20%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA 1,702 $707,190,000 $415,505 $6,793 3.18%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX 2,270 $594,390,000 $261,846 $6,913 3.17%
PHOENIX-MESA-CHANDLER, AZ 1,928 $573,780,000 $297,604 $5,773 3.26%
DENVER-AURORA-LAKEWOOD, CO 1,142 $499,980,000 $437,811 $5,251 3.11%
SACRAMENTO-ROSEVILLE-FOLSOM, CA 1,084 $462,530,000 $426,688 $7,329 3.18%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI 1,113 $396,435,000 $356,186 $4,305 3.15%
ORLANDO-KISSIMMEE-SANFORD, FL 1,327 $390,325,000 $294,141 $6,106 3.17%
DALLAS-PLANO-IRVING, TX 1,464 $389,820,000 $266,270 $6,925 3.09%
MIAMI-MIAMI BEACH-KENDALL, FL 1,158 $380,830,000 $328,869 $8,167 3.08%
SAN ANTONIO-NEW BRAUNFELS, TX 1,685 $374,495,000 $222,252 $6,482 2.85%
AUSTIN-ROUND ROCK-GEORGETOWN, TX 1,380 $369,640,000 $267,855 $6,782 3.19%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA 1,119 $364,655,000 $325,876 $5,000 3.09%
JACKSONVILLE, FL 1,256 $356,270,000 $283,654 $5,531 3.18%
CHARLOTTE-CONCORD-GASTONIA, NC-SC 1,213 $348,585,000 $287,374 $4,398 3.16%
LAS VEGAS-HENDERSON-PARADISE, NV 995 $332,655,000 $334,327 $6,751 3.17%
RALEIGH-CARY, NC 882 $286,890,000 $325,272 $3,886 3.12%
OAKLAND-BERKELEY-LIVERMORE, CA 372 $267,170,000 $718,199 $7,453 3.09%
WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV 608 $265,090,000 $436,003 $7,840 3.17%
INDIANAPOLIS-CARMEL-ANDERSON, IN 888 $254,550,000 $286,655 $4,472 3.00%
NORTH PORT-SARASOTA-BRADENTON, FL 899 $251,495,000 $279,750 $4,934 3.22%
CHARLESTON-NORTH CHARLESTON, SC 793 $244,285,000 $308,052 $5,877 3.09%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA 427 $242,085,000 $566,944 $7,771 3.12%
BALTIMORE-COLUMBIA-TOWSON, MD 626 $240,260,000 $383,802 $8,113 3.18%
FORT LAUDERDALE-POMPANO BEACH-SUNRISE, FL 569 $231,065,000 $406,090 $7,315 3.22%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA 519 $198,515,000 $382,495 $5,296 3.05%
CAPE CORAL-FORT MYERS, FL 657 $185,035,000 $281,636 $5,128 3.14%
SEATTLE-BELLEVUE-KENT, WA 363 $182,665,000 $503,209 $6,176 3.15%
ANAHEIM-SANTA ANA-IRVINE, CA 279 $156,965,000 $562,599 $6,069 3.08%
RENO, NV 360 $131,790,000 $366,083 $5,551 3.31%
FORT WORTH-ARLINGTON-GRAPEVINE, TX 463 $126,545,000 $273,315 $6,908 3.21%
WEST PALM BEACH-BOCA RATON-BOYNTON BEACH, FL 335 $122,145,000 $364,612 $6,202 3.21%
FRESNO, CA 366 $118,010,000 $322,432 $5,820 3.13%
NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN 379 $112,405,000 $296,583 $6,156 3.07%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA 145 $96,565,000 $665,966 $7,200 3.20%
LOS ANGELES-LONG BEACH-GLENDALE, CA 195 $95,845,000 $491,513 $6,953 3.09%
CHICAGO-NAPERVILLE-EVANSTON, IL 348 $88,710,000 $254,914 $5,037 3.19%
FREDERICK-GAITHERSBURG-ROCKVILLE, MD 210 $86,620,000 $412,476 $7,378 3.21%
LAKELAND-WINTER HAVEN, FL 352 $86,600,000 $246,023 $5,671 3.16%
STOCKTON, CA 167 $83,275,000 $498,653 $6,626 3.27%
TACOMA-LAKEWOOD, WA 188 $78,820,000 $419,255 $6,628 3.14%
BAKERSFIELD, CA 264 $76,830,000 $291,023 $6,824 3.11%
TUCSON, AZ 260 $76,080,000 $292,615 $6,438 3.20%
ELGIN, IL 291 $75,265,000 $258,643 $4,877 3.11%
DURHAM-CHAPEL HILL, NC 278 $75,060,000 $270,000 $3,708 3.19%
MONTGOMERY COUNTY-BUCKS COUNTY-CHESTER COUNTY, PA 225 $74,015,000 $328,956 $5,305 3.09%
NEW BRUNSWICK-LAKEWOOD, NJ 220 $71,710,000 $325,955 $4,407 3.04%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC 324 $68,820,000 $212,407 $4,748 3.26%
PUNTA GORDA, FL 269 $66,825,000 $248,420 $4,664 3.12%
BOULDER, CO 133 $62,775,000 $471,992 $5,798 3.13%
NAPLES-MARCO ISLAND, FL 208 $62,060,000 $298,365 $5,797 3.35%
PORT ST. LUCIE, FL 202 $53,370,000 $264,208 $6,812 3.23%
SALT LAKE CITY, UT 172 $49,650,000 $288,663 $3,889 3.08%
SALISBURY, MD-DE 161 $41,385,000 $257,050 $5,518 3.05%
MADERA, CA 104 $39,370,000 $378,558 $5,453 3.08%
VISALIA, CA 145 $39,055,000 $269,345 $6,648 3.14%
HANFORD-CORCORAN, CA 117 $38,205,000 $326,538 $7,305 2.95%
Outside of Metro Areas 134 $37,570,000 $280,373 $4,576 3.17%
OXNARD-THOUSAND OAKS-VENTURA, CA 67 $36,855,000 $550,075 $10,834 3.01%
FORT COLLINS, CO 86 $31,710,000 $368,721 $5,508 3.10%
PALM BAY-MELBOURNE-TITUSVILLE, FL 116 $29,530,000 $254,569 $3,277 3.24%
OGDEN-CLEARFIELD, UT 79 $29,525,000 $373,734 $4,295 3.05%
PROVO-OREM, UT 81 $29,345,000 $362,284 $4,361 2.96%
MERCED, CA 99 $28,245,000 $285,303 $6,312 3.23%
WILMINGTON, DE-MD-NJ 81 $26,035,000 $321,420 $4,596 3.11%
GREELEY, CO 62 $25,500,000 $411,290 $5,704 3.23%
NEWARK, NJ-PA 56 $24,820,000 $443,214 $5,735 3.05%
SEBASTIAN-VERO BEACH, FL 106 $21,800,000 $205,660 $3,896 3.20%
CARSON CITY, NV 59 $20,685,000 $350,593 $4,587 3.22%
YUBA CITY, CA 53 $19,945,000 $376,321 $7,002 3.22%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC 54 $16,570,000 $306,852 $3,601 3.08%
CAMDEN, NJ 68 $15,990,000 $235,147 $3,608 3.04%
PENSACOLA-FERRY PASS-BRENT, FL 43 $13,975,000 $325,000 $4,486 3.22%
GARY, IN 55 $13,885,000 $252,455 $5,361 3.08%
BREMERTON-SILVERDALE-PORT ORCHARD, WA 31 $13,295,000 $428,871 $7,357 2.81%
CALIFORNIA-LEXINGTON PARK, MD 38 $12,230,000 $321,842 $6,925 3.17%
LAKE COUNTY-KENOSHA COUNTY, IL-WI 46 $11,060,000 $240,435 $4,969 3.24%
SAN FRANCISCO-SAN MATEO-REDWOOD CITY, CA 13 $8,245,000 $634,231 $7,236 3.09%
TRENTON-PRINCETON, NJ 20 $7,020,000 $351,000 $3,712 2.97%
HILTON HEAD ISLAND-BLUFFTON, SC 24 $6,460,000 $269,167 $6,339 3.48%
GAINESVILLE, GA 14 $3,780,000 $270,000 $3,939 2.82%
FAYETTEVILLE, NC 13 $3,285,000 $252,692 $6,321 2.96%
COLORADO SPRINGS, CO 10 $3,070,000 $307,000 $3,793 3.16%
OLYMPIA-LACEY-TUMWATER, WA 7 $1,935,000 $276,429 $2,517 2.86%
RICHMOND, VA 5 $1,425,000 $285,000 $2,547 3.22%
PRESCOTT VALLEY-PRESCOTT, AZ 3 $1,265,000 $421,667 $5,073 3.00%
LONGVIEW, TX 3 $1,115,000 $371,667 $9,805 2.96%
ST. GEORGE, UT 3 $1,005,000 $335,000 $1,876 2.96%
PHILADELPHIA, PA 3 $965,000 $321,667 $3,467 2.83%
BEND, OR 1 $935,000 $935,000 $15,288 2.75%
MODESTO, CA 1 $865,000 $865,000 $7,228 5.13%
PITTSBURGH, PA 3 $855,000 $285,000 $4,006 3.25%
SANTA MARIA-SANTA BARBARA, CA 1 $835,000 $835,000 $3,528 3.75%
WACO, TX 4 $810,000 $202,500 $4,990 3.03%
KILLEEN-TEMPLE, TX 3 $705,000 $235,000 $5,759 3.17%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL 3 $695,000 $231,667 $7,809 2.87%
GOLDSBORO, NC 2 $560,000 $280,000 $3,210 3.25%
LAFAYETTE-WEST LAFAYETTE, IN 1 $515,000 $515,000 $1,194 2.38%
CLARKSVILLE, TN-KY 2 $480,000 $240,000 $5,777 2.94%
SANTA ROSA-PETALUMA, CA 1 $455,000 $455,000 $10,755 3.50%
VALLEJO, CA 1 $435,000 $435,000 $5,392 3.00%
MILWAUKEE-WAUKESHA, WI 1 $405,000 $405,000 $2,009 3.38%
KENNEWICK-RICHLAND, WA 1 $395,000 $395,000 $3,708 3.13%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL 1 $385,000 $385,000 $1,732 3.00%
ATLANTIC CITY-HAMMONTON, NJ 1 $345,000 $345,000 $1,728 2.99%
WILMINGTON, NC 1 $295,000 $295,000 $1,632 3.13%
SCRANTON--WILKES-BARRE, PA 2 $290,000 $145,000 $3,108 2.75%
YORK-HANOVER, PA 1 $285,000 $285,000 $2,577 2.88%
HAGERSTOWN-MARTINSBURG, MD-WV 1 $275,000 $275,000 $3,847 3.00%
OCEAN CITY, NJ 1 $265,000 $265,000 $1,703 2.63%
YUMA, AZ 1 $255,000 $255,000 $2,223 2.88%
WARREN-TROY-FARMINGTON HILLS, MI 1 $255,000 $255,000 $2,746 4.38%
SAN LUIS OBISPO-PASO ROBLES, CA 1 $255,000 $255,000 $1,353 2.88%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ 1 $245,000 $245,000 $2,495 3.25%
LAKE HAVASU CITY-KINGMAN, AZ 1 $235,000 $235,000 $2,441 2.88%
NEW YORK-JERSEY CITY-WHITE PLAINS, NY-NJ 1 $235,000 $235,000 $6,428 2.99%
WENATCHEE, WA 1 $225,000 $225,000 $7,197 3.25%
GRAND JUNCTION, CO 1 $225,000 $225,000 $1,443 3.63%
MEMPHIS, TN-MS-AR 1 $215,000 $215,000 $3,572 3.25%
BRUNSWICK, GA 1 $205,000 $205,000 $3,578 3.25%
SIERRA VISTA-DOUGLAS, AZ 1 $195,000 $195,000 $9,242 3.00%
THE VILLAGES, FL 1 $195,000 $195,000 $4,024 3.38%
JACKSONVILLE, NC 1 $145,000 $145,000 $3,040 4.13%
NEW BERN, NC 1 $135,000 $135,000 $1,343 2.75%
BLOOMINGTON, IN 1 $125,000 $125,000 $2,538 3.13%
FORT WAYNE, IN 1 $125,000 $125,000 $1,480 2.88%
PANAMA CITY, FL 1 $125,000 $125,000 $6,054 3.25%
GAINESVILLE, FL 1 $115,000 $115,000 $2,266 3.00%

Eagle Home Mortgage 's top markets include Tampa, Riverside, Houston, Phoenix, and Denver among others.

Interest Rates

Loan Rate Originations Total Value Average Loan
3-4% 18,252 $5,964,880,000 $326,807
2.5-3% 17,096 $5,604,600,000 $327,831
<2.5% 3,412 $1,032,380,000 $302,573
4-5% 1,482 $455,190,000 $307,146
5-6% 89 $24,555,000 $275,899
6-7% 23 $2,235,000 $97,174

During 2020, Eagle Home Mortgage 's average interest rate was 3.17%, while their most frequently originated rate bucket was 3-4%, with 18,252 originations.

Loan Sizing

Loan Size Originations Total Value Average Loan Average Fees Average Rate
$200k-400k 25,855 $7,499,185,000 $290,048 $6,066 3.15%
$400k-600k 7,964 $3,757,340,000 $471,791 $6,712 3.12%
$100k-200k 4,817 $809,095,000 $167,967 $4,200 3.14%
$600k-1MM 1,271 $901,635,000 $709,390 $8,567 3.24%
$100,000 or less 372 $27,020,000 $72,634 $1,711 3.20%
$1MM+ 75 $89,565,000 $1,194,200 $11,070 3.07%

2020 saw Eagle Home Mortgage place emphasis on $200k-400k loans with 25,855 originations, totaling $7,499,185,000 in origination value.

Applicant Income

Applicant Income Originations Total Value Average Loan Average Fees Average Rate
$100k-150k 11,292 $3,975,210,000 $352,038 $6,157 3.16%
$50k-75k 8,832 $2,235,450,000 $253,108 $6,136 3.11%
$75k-100k 8,480 $2,574,970,000 $303,652 $6,352 3.15%
$150k-250k 6,762 $2,759,690,000 $408,117 $5,991 3.19%
$50k or less 2,271 $449,825,000 $198,074 $4,958 3.05%
$250k+ 1,899 $827,815,000 $435,922 $5,904 3.23%

Eagle Home Mortgage lent most frequently to those with incomes in the $100k-150k range, with 11,292 originations. The second most popular income band? $50k-75k, with 8,832 originations.

Applicant Debt to Income Ratio

DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
20-30% 6,689 $2,184,505,000 $326,582 $4,999 3.09%
30-36% 6,479 $2,156,095,000 $332,782 $5,488 3.15%
50-60% 4,626 $1,416,350,000 $306,172 $8,526 3.12%
<20% 1,976 $571,930,000 $289,438 $4,290 3.02%
44% 1,781 $585,485,000 $328,739 $6,160 3.22%
49% 1,655 $532,355,000 $321,665 $6,413 3.18%
42% 1,602 $541,240,000 $337,853 $6,133 3.19%
43% 1,569 $510,965,000 $325,663 $5,923 3.20%
41% 1,499 $493,835,000 $329,443 $6,140 3.19%
45% 1,477 $472,595,000 $319,970 $6,223 3.14%
48% 1,426 $444,710,000 $311,858 $6,182 3.17%
40% 1,401 $468,845,000 $334,650 $5,867 3.17%
39% 1,398 $457,780,000 $327,454 $5,837 3.18%
38% 1,390 $464,810,000 $334,396 $5,845 3.15%
47% 1,351 $429,875,000 $318,190 $6,556 3.16%
37% 1,284 $438,050,000 $341,160 $5,990 3.17%
46% 1,280 $406,680,000 $317,719 $6,285 3.18%
36% 1,171 $390,565,000 $333,531 $5,824 3.18%
>60% 270 $106,740,000 $395,333 $7,628 3.04%

Eagle Home Mortgage lent most frequently to those with DTI ratios of 20-30%, with 6,689 originations. The next most common DTI ratio? 30-36%, with 6,479 originations.

Ethnicity Mix

Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
White 24,114 $7,531,170,000 $312,315 $5,776 3.14%
Asian 6,085 $2,345,105,000 $385,391 $5,909 3.12%
Not provided 5,123 $1,627,635,000 $317,711 $6,272 3.13%
Black 4,456 $1,393,530,000 $312,731 $7,116 3.20%
American Indian 428 $133,310,000 $311,472 $6,676 3.14%
Native Hawaiian 129 $46,595,000 $361,202 $6,839 3.11%
Asian Indian 10 $3,490,000 $349,000 $5,284 3.75%
Filipino 3 $1,295,000 $431,667 $8,811 3.58%
Other Asian 3 $975,000 $325,000 $6,665 4.25%
Japanese 1 $445,000 $445,000 $5,332 4.00%
Chinese 1 $145,000 $145,000 $4,581 4.38%
Vietnamese 1 $145,000 $145,000 $2,787 3.50%

Approval Rates

Total approvals of all applications
89.22%

Eagle Home Mortgage has an average approval rate.

Pick Rate

Approvals leading to origination
73.04%

Eagle Home Mortgage has a below average pick rate.

Points and Fees

Points Originations Total Value Average Loan
8482.65 1 $205,000 $205,000
NA 40,353 $13,083,635,000 $324,230

Occupancy Type Mix

Dwelling Type Originations Total Value Average Loan
Single Family (1-4 Units):Site-Built 40,354 $13,083,840,000 $324,227

LTV Distribution

Loan to Value Originations Total Value Average Loan Average Fees Average Rate
20-40% 1,018 $165,650,000 $162,721 $2,800 2.99%
40-60% 2,333 $595,025,000 $255,047 $3,723 3.01%
60-80% 9,322 $3,151,260,000 $338,045 $4,871 3.16%
80-100% 25,915 $8,571,035,000 $330,736 $6,456 3.16%
Over 100% 1,581 $584,215,000 $369,522 $11,567 3.01%
Under 20% 174 $13,270,000 $76,264 $1,669 3.57%