Eagle Savings Bank Mortgage Rates, Fees & Info
Cincinnati, OHLEI: 549300O12EJ1HE3YIK24
Tax ID: 31-0411290
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Mortgage Data
Bank Data
Review & Overview
Eagle Savings Bank is a smaller bank specializing in Home Purchase, Refi, and Cash Out Refi loans. Eagle Savings Bank has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: Cincinnati, Virginia Beach, Austin, Dallas, and Knoxville among others. We have data for 12 markets. (Some data included below & more in-depth data is available with an active subscription.)Eagle Savings Bank has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders.
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 |
|---|---|---|
| 30 Year Conventional Purchase | 6.51% | 4/18/24 |
| 30 Year Conventional Refi | 6.24% | 4/18/24 |
| 30 Year Cash-out Refi | 6.50% | 4/18/24 |
| 30 Year FHA Purchase | 6.27% | 4/18/24 |
| 15 Year Conventional Purchase | 5.90% | 4/18/24 |
| 15 Year Conventional Refi | 5.97% | 4/18/24 |
| 15 Year Cash-out Refi | 5.97% | 4/18/24 |
| 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 Savings Bank Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
723Origination Dollar Volume (All Markets)
$170,725,000Employee count
43Top 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 |
|---|---|---|---|---|---|
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 699 | $165,615,000 | $236,931 | $0 | 0.00% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 6 | $1,890,000 | $315,000 | $0 | 0.00% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 3 | $605,000 | $201,667 | $0 | 0.00% |
| Outside of Metro Areas | 3 | $485,000 | $161,667 | $0 | 0.00% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $0 | 0.00% |
| KNOXVILLE, TN (FHA|USDA|VA) | 3 | $435,000 | $145,000 | $0 | 0.00% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $0 | 0.00% |
| BOWLING GREEN, KY (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $0 | 0.00% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $0 | 0.00% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 0.00% |
| Somerset, KY (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 0.00% |
| Mount Sterling, KY (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 0.00% |
Similar Lenders
We use machine learning to identify the top lenders compared against Eagle Savings Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 722 | $170,530,000 | $236,191 | $0 | 0.00% |
| FHA | 1 | $195,000 | $195,000 | $0 | 0.00% |
For 2020, Eagle Savings Bank's most frequently originated type of loan was Conventional, with 722 originations. Their 2nd most popular type was FHA, with 1 originations.
Loan Reason
For 2020, Eagle Savings Bank's most frequently cited loan purpose was Home Purchase, with 298 originations. The 2nd most popular reason was Refi, with 282 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 723 | $170,725,000 | $236,134 | $0 | 0.00% |
For 2020, Eagle Savings Bank's most frequently cited loan duration was Other, with 723 originations.
Loan Sizing
2020 saw Eagle Savings Bank place emphasis on $200k-400k loans with 331 originations, totaling $90,725,000 in origination value.
Applicant Income
Eagle Savings Bank lent most frequently to those with incomes in the $100k-150k range, with 201 originations. The second most popular income band? $150k-250k, with 161 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 723 | $170,725,000 | $236,134 | $0 | 0.00% |
Eagle Savings Bank lent most frequently to those with DTI ratios of Exempt%, with 723 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications97.01%
Eagle Savings Bank has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination79.67%
Eagle Savings Bank has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 723 | $170,725,000 | $236,134 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Site-Built | 723 | $170,725,000 | $236,134 |
Bank Details
Branches
| Bank Name | Branch | Branch Type | Deposits (000's) |
|---|---|---|---|
| Eagle Savings Bank | 3420 Edwards Road Cincinnati, OH 45208 | Full Service B&M | $5,847 |
| Eagle Savings Bank | 5681 Rapid Run Road Cincinnati, OH 45238 | Full Service B&M | $44,488 |
| Eagle Savings Bank | 6415 Bridgetown Road Cincinnati, OH 45248 | Full Service B&M | $77,531 |
For 2020, Eagle Savings Bank had 3 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $5,485 |
| Net interest income | $4,479 |
| Total noninterest income | $5,162 |
| Gross Fiduciary activities income | $0 |
| Service charges on deposit accounts | $110 |
| Trading account gains and fees | $0 |
| Additional Noninterest Income | $5,052 |
| Pre-tax net operating income | $2,788 |
| Securities gains (or losses, -) | $0 |
| Income before extraordinary items | $2,187 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $2,187 |
| Minority interest net income | $0 |
| Net income | $2,187 |
| Sale, conversion, retirement of capital stock, net | $0 |
| Net operating income | $2,187 |
Eagle Savings Bank's gross interest income from loans was $5,485,000.
Eagle Savings Bank's net interest income from loans was $4,479,000.
Eagle Savings Bank's fee based income from loans was $110,000.
Eagle Savings Bank's net income from loans was $2,187,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $1,006 |
| Provision for credit losses | $290 |
| Total noninterest expense | $6,563 |
| Salaries and employee benefits | $4,655 |
| Premises and equipment expense | $307 |
| Additional noninterest expense | $1,601 |
| Applicable income taxes | $601 |
| Net charge-offs | $70 |
| Cash dividends | $0 |
Eagle Savings Bank's interest expense for loans was $1,006,000.
Eagle Savings Bank's payroll and benefits expense were $4,655,000.
Eagle Savings Bank's property, plant and equipment expenses $307,000.
Loan Performance
| Type of Loan | % of Loans Noncurrent (30+ days, end of period snapshot) |
|---|---|
| All loans | 0.0% |
| Real Estate loans | 0.0% |
| Construction & Land Development loans | 0.0% |
| Nonfarm, nonresidential loans | 0.0% |
| Multifamily residential loans | 0.0% |
| 1-4 family residential loans | 0.0% |
| HELOC loans | 0.0% |
| All other family | 0.0% |
| Commercial & industrial loans | 1.0% |
| Personal loans | 0.0% |
| Credit card loans | 0.0% |
| Other individual loans | 0.0% |
| Auto loans | 0.0% |
| Other consumer loans | 0.0% |
| Unsecured commercial real estate loans | 0.0% |
Deposits
| Type | Value (in 000's) |
|---|---|
| Total deposits | $132,639 |
| Deposits held in domestic offices | $132,639 |
| Deposits by Individuals, partnerships, and corporations | $132,627 |
| Deposits by U.S. Government | $12 |
| Deposits by States and political subdivisions in the U.S. | $0 |
| Deposits by Commercial banks and other depository institutions in U.S. | $0 |
| Deposits by Banks in foreign countries | $0 |
| Deposits by Foreign governments and official institutions | $0 |
| Transaction accounts | $36,696 |
| Demand deposits | $7,422 |
| Nontransaction accounts | $95,943 |
| Money market deposit accounts (MMDAs) | $29,408 |
| Other savings deposits (excluding MMDAs) | $23,825 |
| Total time deposits | $42,712 |
| Total time and savings deposits | $125,217 |
| Noninterest-bearing deposits | $8,272 |
| Interest-bearing deposits | $124,367 |
| Retail deposits | $129,505 |
| IRAs and Keogh plan accounts | $11,529 |
| Brokered deposits | $0 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $160,382 |
| Cash & Balances due from depository institutions | $13,834 |
| Interest-bearing balances | $13,308 |
| Total securities | $0 |
| Federal funds sold & reverse repurchase | $0 |
| Net loans and leases | $133,419 |
| Loan and leases loss allowance | $1,386 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $4,097 |
| Other real estate owned | $34 |
| Goodwill and other intangibles | $0 |
| All other assets | $8,998 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $160,382 |
| Total Liabilities | $135,832 |
| Total deposits | $132,639 |
| Interest-bearing deposits | $124,367 |
| Deposits held in domestic offices | $132,639 |
| % insured (estimated) | $91 |
| Federal funds purchased and repurchase agreements | $0 |
| Trading liabilities | $0 |
| Other borrowed funds | $0 |
| Subordinated debt | $0 |
| All other liabilities | $3,193 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $133,419 |
| Loan and leases loss allowance | $1,386 |
| Total loans and leases (domestic) | $134,805 |
| All real estate loans | $109,422 |
| Real estate loans in domestic offices | $109,422 |
| Construction and development loans | $3,830 |
| Residential 1-4 family construction | $3,543 |
| Other construction, all land development and other land | $287 |
| Loans secured by nonfarm nonresidential properties | $20,566 |
| Nonfarm nonresidential secured by owner-occupied properties | $11,227 |
| Commercial real estate & other non-farm, non-residential | $9,339 |
| Multifamily residential real estate | $1,350 |
| 1-4 family residential loans | $83,676 |
| Farmland loans | $0 |
| Loans held in foreign offices | $0 |
| Farm loans | $0 |
| Commercial and industrial loans | $25,373 |
| To non-U.S. addressees | $0 |
| Loans to individuals | $10 |
| Credit card loans | $0 |
| Related Plans | $0 |
| Consumer Auto Loans | $10 |
| Other loans to individuals | $0 |
| All other loans & leases | $0 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $0 |
| Loans to depository institutions and acceptances of other banks | $0 |
| Loans not secured by real estate | $0 |
| Loans secured by real estate to non-U.S. addressees | $0 |
| Restructured Loans & leases | $277 |
| Non 1-4 family restructured loans & leases | $0 |
| Total loans and leases (foreign) | $0 |
Eagle Savings Bank had $133,419,000 of loans outstanding in 2020. $109,422,000 of loans were in real estate loans. $3,830,000 of loans were in development loans. $1,350,000 of loans were in multifamily mortgage loans. $83,676,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $0 of loans were in credit card loans. $10,000 of loans were in the auto loan category.
Small Business Loans
| Categorization | # of Loans in Category | $ amount of loans (in 000's) | Average $/loan |
|---|---|---|---|
| Nonfarm, nonresidential loans - <$1MM | 40 | $9,662 | $241,550 |
| Nonfarm, nonresidential loans - <$100k | 6 | $240 | $40,000 |
| Nonfarm, nonresidential loans - $100-250k | 14 | $1,610 | $115,000 |
| Nonfarm, nonresidential loans - $250k-1MM | 20 | $7,812 | $390,600 |
| Commercial & Industrial, US addressed loans - <$1MM | 33 | $3,092 | $93,697 |
| Commercial & Industrial, US addressed loans - <$100k | 16 | $442 | $27,625 |
| Commercial & Industrial, US addressed loans - $100-250k | 3 | $367 | $122,333 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 14 | $2,283 | $163,071 |