Eagle Bank And Trust Company Mortgage Rates, Fees & Info

Little Rock, AR

LEI: 549300QFP6J5QSZVF805

Tax ID: 71-0005235

5 stars - Updated: 7/11/24 - out of 5 stars, based on 43 reviews

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

Jump to:

Mortgage Data

Review & Overview

Eagle Bank And Trust Company is a smaller bank specializing in Home Purchase loans. Eagle Bank And Trust Company 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 by origination volume include: Little Rock, Idaho Falls, Memphis, Monroe, and Fayetteville among others. We have data for 57 markets. (Some data included below & more in-depth data is available with an active subscription.)

Eagle Bank And Trust Company 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. Eagle Bank And Trust Company is typically an average 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 relatively high 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.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
30 Year Conventional Purchase 6.60% 7/11/24
30 Year Conventional Refi 6.58% 7/11/24
30 Year Cash-out Refi 6.70% 7/11/24
30 Year FHA Purchase 7.39% 7/11/24
30 Year FHA Refi 7.36% 7/11/24
30 Year VA Purchase 6.28% 7/11/24
30 Year VA Refi 6.39% 7/11/24
30 Year USDA Purchase 6.71% 7/11/24
30 Year USDA Refi 6.62% 7/11/24
15 Year Conventional Purchase 6.25% 7/11/24
15 Year Conventional Refi 6.09% 7/11/24
15 Year Cash-out Refi 6.09% 7/11/24
15 Year VA Refi 6.77% 7/11/24
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 Bank And Trust Company Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from Eagle Bank And Trust Company. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

1,886

Origination Dollar Volume (All Markets)

$464,930,000
Show all (13) awards

Relative Rate

Eagle Bank And Trust Company's average 30 year fixed mortgage rate was 6.51%.

The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.

This yields a difference of 0.03%.

Relative Fees (Closing Costs)

Eagle Bank And Trust Company's average total fees/closing costs for a 30 year fixed rate mortgage were $6,590.

The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $9,089.

Top 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
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 586 $128,650,000 $219,539 $5,130 6.42%
IDAHO FALLS, ID (FHA|USDA|VA) 279 $87,945,000 $315,215 $8,621 6.47%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 316 $78,170,000 $247,373 $7,515 6.13%
MONROE, LA (FHA|USDA|VA) 205 $41,365,000 $201,780 $6,782 6.40%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 126 $39,160,000 $310,794 $5,436 6.40%
Outside of Metro Areas 167 $31,575,000 $189,072 $5,164 6.80%
Blackfoot, ID (FHA|USDA|VA) 37 $11,395,000 $307,973 $8,320 6.35%
POCATELLO, ID (FHA|USDA|VA) 15 $4,795,000 $319,667 $8,753 6.48%
Searcy, AR (FHA|USDA|VA) 19 $4,665,000 $245,526 $3,922 6.92%
HOT SPRINGS, AR (FHA|USDA|VA) 13 $3,435,000 $264,231 $4,803 6.70%
FORT SMITH, AR-OK (FHA|USDA|VA) 3 $2,965,000 $988,333 $4,164 6.29%
Rexburg, ID (FHA|USDA|VA) 11 $2,915,000 $265,000 $6,175 6.57%
Russellville, AR (FHA|USDA|VA) 15 $2,445,000 $163,000 $3,442 5.86%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 3 $2,215,000 $738,333 $0 8.04%
Arkadelphia, AR (FHA|USDA|VA) 4 $1,890,000 $472,500 $3,721 6.41%
BOISE CITY, ID (FHA|USDA|VA) 4 $1,740,000 $435,000 $10,665 6.16%
JONESBORO, AR (FHA|USDA|VA) 9 $1,505,000 $167,222 $6,074 6.18%
Ruston, LA (FHA|USDA|VA) 6 $1,460,000 $243,333 $5,668 6.23%
SALT LAKE CITY, UT (FHA|USDA|VA) 4 $1,440,000 $360,000 $9,172 6.19%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 3 $1,375,000 $458,333 $10,955 6.54%
Malvern, AR (FHA|USDA|VA) 10 $1,180,000 $118,000 $3,886 5.66%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 2 $900,000 $450,000 $6,642 6.69%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 3 $845,000 $281,667 $8,272 7.00%
Batesville, AR (FHA|USDA|VA) 5 $825,000 $165,000 $6,225 6.45%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 1 $665,000 $665,000 $8,482 6.88%
THE VILLAGES, FL (FHA|USDA|VA) 1 $575,000 $575,000 $4,204 6.00%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 1 $505,000 $505,000 $8,949 6.50%
Burley, ID (FHA|USDA|VA) 3 $445,000 $148,333 $8,935 7.08%
Forrest City, AR (FHA|USDA|VA) 3 $435,000 $145,000 $5,796 6.88%
Paragould, AR (FHA|USDA|VA) 2 $430,000 $215,000 $6,453 6.25%
ABILENE, TX (FHA|USDA|VA) 1 $425,000 $425,000 $19,842 5.75%
PINE BLUFF, AR (FHA|USDA|VA) 4 $410,000 $102,500 $4,780 7.41%
TEXARKANA, TX-AR (FHA|USDA|VA) 1 $355,000 $355,000 $6,884 6.38%
ST. GEORGE, UT (FHA|USDA|VA) 1 $345,000 $345,000 $6,676 6.38%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 1 $345,000 $345,000 $4,792 6.00%
ALBUQUERQUE, NM (FHA|USDA|VA) 1 $335,000 $335,000 $6,108 6.50%
BATON ROUGE, LA (FHA|USDA|VA) 1 $335,000 $335,000 $6,858 6.88%
GRANTS PASS, OR (FHA|USDA|VA) 1 $325,000 $325,000 $7,216 7.13%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 1 $295,000 $295,000 $4,099 6.50%
Price, UT (FHA|USDA|VA) 1 $295,000 $295,000 $5,896 7.13%
Rock Springs, WY (FHA|USDA|VA) 1 $275,000 $275,000 $1,628 5.88%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 1 $275,000 $275,000 $11,764 6.50%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 1 $275,000 $275,000 $9,752 6.50%
JACKSON, TN (FHA|USDA|VA) 1 $265,000 $265,000 $7,991 6.50%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 1 $255,000 $255,000 $4,287 7.13%
Tahlequah, OK (FHA|USDA|VA) 1 $245,000 $245,000 $10,553 6.63%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 1 $245,000 $245,000 $4,745 6.75%
El Dorado, AR (FHA|USDA|VA) 1 $235,000 $235,000 $2,643 7.00%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 1 $225,000 $225,000 $6,743 6.75%
PUNTA GORDA, FL (FHA|USDA|VA) 1 $225,000 $225,000 $14,225 5.63%
Harrison, AR (FHA|USDA|VA) 1 $215,000 $215,000 $1,064 6.13%
OKLAHOMA CITY, OK (FHA|USDA|VA) 1 $215,000 $215,000 $2,312 6.13%
Grenada, MS (FHA|USDA|VA) 1 $205,000 $205,000 $8,510 7.63%
Crossville, TN (FHA|USDA|VA) 1 $115,000 $115,000 $3,666 6.13%
Tupelo, MS (FHA|USDA|VA) 1 $105,000 $105,000 $1,984 6.75%
Blytheville, AR (FHA|USDA|VA) 1 $105,000 $105,000 $2,172 5.50%
Miami, OK (FHA|USDA|VA) 1 $75,000 $75,000 $2,759 6.50%
Eagle Bank And Trust Company's top markets include Little Rock, Idaho Falls, Memphis, Monroe, and Fayetteville among others.

Their top states include:
  • Arkansas (FHA|USDA|VA)
  • Idaho (FHA|USDA|VA)
  • Mississippi (FHA|USDA|VA)
  • Louisiana (FHA|USDA|VA)
  • Tennessee (FHA|USDA|VA)
  • Similar Lenders

    We use machine learning to identify the top lenders compared against Eagle Bank and Trust Company based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    CENTRIC
    Similarity Rank: 48
    ADVANTAGE PLUS
    Similarity Rank: 72
    DSLD MORTGAGE, LLC
    Similarity Rank: 126
    BEEHIVE
    Similarity Rank: 176
    United Bank
    Similarity Rank: 230
    The Bank of Missouri
    Similarity Rank: 288
    First Citizens National Bank
    Similarity Rank: 288
    WESTMARK Credit Union
    Similarity Rank: 320
    First National Bank
    Similarity Rank: 352
    EAST IDAHO Credit Union
    Similarity Rank: 374

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,259 $310,845,000 $246,898 $5,220 6.40%
    FHA 407 $95,155,000 $233,796 $9,115 6.53%
    VA 141 $44,075,000 $312,589 $7,684 6.22%
    USDA 79 $14,855,000 $188,038 $6,167 6.44%

    For 2023, Eagle Bank And Trust Company's most frequently originated type of loan was Conventional, with 1,259 originations. Their 2nd most popular type was FHA, with 407 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 1,780 $443,210,000 $248,994 $6,489 6.38%
    Cash Out Refi 42 $9,970,000 $237,381 $5,963 6.97%
    Refi 38 $7,430,000 $195,526 $4,935 6.71%
    Other 15 $2,665,000 $177,667 $4,257 7.01%
    Home Improvement 11 $1,655,000 $150,455 $1,744 7.99%

    For 2023, Eagle Bank And Trust Company's most frequently cited loan purpose was Home Purchase, with 1,780 originations. The 2nd most popular reason was Cash Out Refi, with 42 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,673 $436,225,000 $260,744 $6,590 6.51%
    10 Year 62 $750,000 $12,097 $4,123 5.52%
    5 Year 53 $7,195,000 $135,755 $0 2.09%
    Other 43 $10,465,000 $243,372 $4,071 7.65%
    15 Year 27 $3,555,000 $131,667 $5,570 7.18%
    3 Year 23 $4,365,000 $189,783 $0 8.20%
    1 Year 3 $1,965,000 $655,000 $0 7.75%
    20 Year 2 $410,000 $205,000 $6,546 6.13%

    For 2023, Eagle Bank And Trust Company's most frequently cited loan duration was 30 Year, with 1,673 originations. The 2nd most popular length was 10 Year, with 62 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 436 $76,550,000 $175,573
    $2k-3k 350 $71,930,000 $205,514
    $3k-4k 325 $89,845,000 $276,446
    $1k-2k 251 $45,815,000 $182,530
    $4k-5k 208 $69,880,000 $335,962
    $5k+ 195 $85,005,000 $435,923

    Eagle Bank And Trust Company's average total fees were $6,590, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 436 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    6-7% 1,086 $270,970,000 $249,512
    7-8% 362 $91,960,000 $254,033
    5-6% 341 $94,385,000 $276,789
    <2.5% 54 $460,000 $8,519
    Over 8% 40 $6,190,000 $154,750
    4-5% 3 $965,000 $321,667

    During 2023, Eagle Bank And Trust Company's average interest rate for loans was 6.51%, while their most frequently originated rate bucket for loans was 6-7%, with 1,086 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 850 $240,400,000 $282,824 $7,132 6.57%
    $100k-200k 570 $89,030,000 $156,193 $4,730 6.59%
    $100,000 or less 223 $8,945,000 $40,112 $2,281 5.26%
    $400k-600k 195 $89,245,000 $457,667 $9,187 6.53%
    $600k-1MM 45 $31,595,000 $702,111 $10,808 6.50%
    $1MM+ 3 $5,715,000 $1,905,000 $0 7.29%

    2023 saw Eagle Bank And Trust Company place emphasis on $200k-400k loans with 850 originations, totaling $240,400,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 471 $86,965,000 $184,639 $5,876 6.37%
    $100k-150k 429 $126,925,000 $295,862 $7,633 6.59%
    $75k-100k 369 $88,325,000 $239,363 $6,680 6.47%
    $50k or less 248 $26,730,000 $107,782 $3,822 5.51%
    $150k-250k 239 $85,925,000 $359,519 $7,211 6.65%
    $250k+ 93 $37,095,000 $398,871 $7,318 6.81%

    Eagle Bank And Trust Company lent most frequently to those with incomes in the $50k-75k range, with 471 originations. The second most popular income band? $100k-150k, with 429 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 311 $71,225,000 $229,019 $5,939 6.33%
    20-30% 286 $72,250,000 $252,622 $5,670 6.53%
    50-60% 133 $34,095,000 $256,353 $8,586 6.34%
    40% 96 $23,120,000 $240,833 $5,667 6.44%
    43% 91 $21,435,000 $235,549 $6,690 6.14%
    44% 90 $22,540,000 $250,444 $7,176 6.40%
    38% 81 $17,635,000 $217,716 $5,668 6.18%
    <20% 81 $18,055,000 $222,901 $4,682 6.44%
    42% 78 $21,830,000 $279,872 $6,424 6.60%
    37% 77 $17,495,000 $227,208 $6,094 6.36%
    49% 70 $18,470,000 $263,857 $6,469 6.01%
    41% 69 $17,465,000 $253,116 $7,624 6.40%
    47% 67 $16,035,000 $239,328 $6,427 6.64%
    39% 67 $17,225,000 $257,090 $7,153 6.49%
    36% 66 $15,390,000 $233,182 $6,037 6.12%
    45% 62 $15,960,000 $257,419 $7,592 6.31%
    46% 60 $15,670,000 $261,167 $6,503 6.36%
    48% 56 $14,100,000 $251,786 $7,456 6.40%
    >60% 1 $245,000 $245,000 $8,123 6.50%

    Eagle Bank And Trust Company lent most frequently to those with DTI ratios of 30-36%, with 311 originations. The next most common DTI ratio? 20-30%, with 286 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,536 $381,180,000 $248,164 $6,371 6.42%
    Not provided 106 $28,380,000 $267,736 $6,630 6.58%
    Black 145 $28,225,000 $194,655 $7,060 5.94%
    Not applicable 35 $12,475,000 $356,429 $5,876 8.01%
    Asian 44 $10,810,000 $245,682 $5,111 6.18%
    American Indian 20 $3,860,000 $193,000 $6,791 6.34%

    Approval Rates

    Total approvals of all applications
    94.89%

    Eagle Bank And Trust Company has an average approval rate.

    Pick Rate

    Approvals leading to origination
    73.49%

    Eagle Bank And Trust Company has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 1,886 $464,930,000 $246,516

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    1,886 $464,930,000 $246,516

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 61 $8,235,000 $135,000 $3,519 6.50%
    40-60% 140 $33,160,000 $236,857 $4,883 6.70%
    60-80% 406 $110,290,000 $271,650 $5,728 6.74%
    80-100% 1,119 $300,725,000 $268,744 $6,931 6.54%
    Over 100% 33 $10,885,000 $329,848 $12,903 6.20%
    Under 20% 127 $1,635,000 $12,874 $485 4.00%