Eagle Bank And Trust Company Mortgage Rates, Fees & Info

Little Rock, AR

LEI: 549300QFP6J5QSZVF805

Tax ID: 71-0005235

5 stars - Updated: 3/3/24 - out of 5 stars, based on 54 reviews

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

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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 80 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 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.

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% 3/3/24
30 Year Conventional Refi 6.58% 3/3/24
30 Year Cash-out Refi 6.70% 3/3/24
30 Year FHA Purchase 7.39% 3/3/24
30 Year FHA Refi 7.36% 3/3/24
30 Year VA Purchase 6.28% 3/3/24
30 Year VA Refi 6.39% 3/3/24
30 Year USDA Purchase 6.71% 3/3/24
30 Year USDA Refi 6.62% 3/3/24
15 Year Conventional Purchase 6.25% 3/3/24
15 Year Conventional Refi 6.09% 3/3/24
15 Year Cash-out Refi 6.09% 3/3/24
15 Year VA Refi 6.77% 3/3/24
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

2,909

Origination Dollar Volume (All Markets)

$716,055,000
Show all (29) awards

Relative Rate

Eagle Bank And Trust Company's average 30 year fixed mortgage rate was 4.89%.

The 2022 average 30 year fixed rate mortgage across all markets and lenders was 4.76%.

This yields a difference of 0.13%.

Relative Fees (Closing Costs)

Eagle Bank And Trust Company's average total fees/closing costs for a 30 year fixed rate mortgage were $5,738.

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 $4,750.

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) 955 $211,635,000 $221,607 $4,803 4.89%
IDAHO FALLS, ID (FHA|USDA|VA) 379 $124,105,000 $327,454 $7,752 4.69%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 471 $118,795,000 $252,219 $5,625 4.80%
MONROE, LA (FHA|USDA|VA) 271 $59,485,000 $219,502 $6,005 4.85%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 215 $58,965,000 $274,256 $4,611 4.74%
Outside of Metro Areas 195 $37,685,000 $193,256 $4,020 4.95%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 104 $25,910,000 $249,135 $7,509 4.17%
Blackfoot, ID (FHA|USDA|VA) 40 $11,500,000 $287,500 $7,692 4.82%
JONESBORO, AR (FHA|USDA|VA) 57 $11,175,000 $196,053 $5,924 5.18%
Rexburg, ID (FHA|USDA|VA) 26 $7,870,000 $302,692 $7,465 4.75%
HOT SPRINGS, AR (FHA|USDA|VA) 23 $5,125,000 $222,826 $4,130 5.04%
BOISE CITY, ID (FHA|USDA|VA) 11 $3,875,000 $352,273 $8,775 4.51%
Searcy, AR (FHA|USDA|VA) 17 $3,375,000 $198,529 $3,906 5.62%
POCATELLO, ID (FHA|USDA|VA) 11 $3,215,000 $292,273 $7,010 4.51%
Ruston, LA (FHA|USDA|VA) 11 $2,205,000 $200,455 $5,480 4.86%
FORT SMITH, AR-OK (FHA|USDA|VA) 7 $1,945,000 $277,857 $5,989 4.50%
Paragould, AR (FHA|USDA|VA) 8 $1,500,000 $187,500 $5,027 4.45%
Russellville, AR (FHA|USDA|VA) 7 $1,455,000 $207,857 $2,962 4.75%
Malvern, AR (FHA|USDA|VA) 9 $1,445,000 $160,556 $4,958 5.72%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 3 $1,215,000 $405,000 $5,869 5.04%
ST. GEORGE, UT (FHA|USDA|VA) 3 $1,075,000 $358,333 $6,222 4.88%
PUNTA GORDA, FL (FHA|USDA|VA) 4 $1,030,000 $257,500 $9,400 4.03%
PROVO-OREM, UT (FHA|USDA|VA) 1 $995,000 $995,000 $11,674 4.25%
Jackson, WY-ID (FHA|USDA|VA) 1 $975,000 $975,000 $12,787 4.25%
Hailey, ID (FHA|USDA|VA) 1 $865,000 $865,000 $20,786 6.38%
MOBILE, AL (FHA|USDA|VA) 1 $845,000 $845,000 $2,900 3.63%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 2 $780,000 $390,000 $6,882 5.50%
Blytheville, AR (FHA|USDA|VA) 5 $705,000 $141,000 $5,566 4.10%
KNOXVILLE, TN (FHA|USDA|VA) 2 $670,000 $335,000 $3,746 5.50%
PINE BLUFF, AR (FHA|USDA|VA) 6 $660,000 $110,000 $4,685 4.75%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 1 $625,000 $625,000 $4,368 6.13%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 1 $615,000 $615,000 $17,031 4.38%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 1 $585,000 $585,000 $6,117 6.13%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 2 $550,000 $275,000 $5,582 5.25%
LONGVIEW, TX (FHA|USDA|VA) 1 $545,000 $545,000 $5,103 3.25%
Mountain Home, AR (FHA|USDA|VA) 3 $535,000 $178,333 $5,718 4.79%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 1 $515,000 $515,000 $6,936 4.25%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 1 $455,000 $455,000 $10,826 5.38%
El Dorado, AR (FHA|USDA|VA) 2 $450,000 $225,000 $1,947 4.19%
Grenada, MS (FHA|USDA|VA) 3 $435,000 $145,000 $8,543 3.69%
Batesville, AR (FHA|USDA|VA) 2 $420,000 $210,000 $3,373 5.56%
Forrest City, AR (FHA|USDA|VA) 2 $400,000 $200,000 $5,261 4.50%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 1 $385,000 $385,000 $12,346 4.38%
Burley, ID (FHA|USDA|VA) 2 $380,000 $190,000 $5,570 4.00%
Clewiston, FL (FHA|USDA|VA) 1 $375,000 $375,000 $8,163 5.13%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 1 $355,000 $355,000 $10,758 6.00%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $355,000 $355,000 $10,186 6.88%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 1 $345,000 $345,000 $4,239 5.25%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 2 $340,000 $170,000 $4,177 4.44%
Starkville, MS (FHA|USDA|VA) 1 $335,000 $335,000 $16,767 3.63%
Oxford, MS (FHA|USDA|VA) 2 $320,000 $160,000 $2,911 4.63%
Harrison, AR (FHA|USDA|VA) 2 $320,000 $160,000 $4,364 5.44%
GRAND JUNCTION, CO (FHA|USDA|VA) 1 $305,000 $305,000 $4,155 5.13%
Jasper, AL (FHA|USDA|VA) 1 $285,000 $285,000 $7,226 3.25%
JOPLIN, MO (FHA|USDA|VA) 1 $285,000 $285,000 $7,666 5.75%
KANSAS CITY, MO-KS (FHA|USDA|VA) 1 $275,000 $275,000 $1,958 5.50%
Riverton, WY (FHA|USDA|VA) 1 $265,000 $265,000 $4,332 5.38%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $265,000 $265,000 $6,939 3.63%
Tupelo, MS (FHA|USDA|VA) 1 $255,000 $255,000 $10,058 3.88%
TYLER, TX (FHA|USDA|VA) 1 $255,000 $255,000 $6,893 3.25%
Vicksburg, MS (FHA|USDA|VA) 1 $245,000 $245,000 $10,269 6.13%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 1 $225,000 $225,000 $4,006 3.75%
LAKE CHARLES, LA (FHA|USDA|VA) 1 $225,000 $225,000 $9,187 4.63%
Lake City, FL (FHA|USDA|VA) 2 $220,000 $110,000 $8,663 2.00%
TULSA, OK (FHA|USDA|VA) 1 $205,000 $205,000 $4,194 4.88%
ST. LOUIS, MO-IL (FHA|USDA|VA) 1 $185,000 $185,000 $3,251 5.88%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 1 $185,000 $185,000 $6,337 4.88%
MIDLAND, TX (FHA|USDA|VA) 1 $185,000 $185,000 $3,787 3.38%
Hannibal, MO (FHA|USDA|VA) 1 $175,000 $175,000 $3,335 4.88%
Camden, AR (FHA|USDA|VA) 1 $165,000 $165,000 $6,007 5.75%
Arkadelphia, AR (FHA|USDA|VA) 1 $145,000 $145,000 $3,417 4.50%
Tahlequah, OK (FHA|USDA|VA) 1 $145,000 $145,000 $6,004 3.50%
Minden, LA (FHA|USDA|VA) 1 $145,000 $145,000 $4,634 6.50%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 1 $135,000 $135,000 $3,136 5.88%
TWIN FALLS, ID (FHA|USDA|VA) 1 $125,000 $125,000 $4,155 6.13%
Woodward, OK (FHA|USDA|VA) 1 $125,000 $125,000 $1,658 5.63%
Altus, OK (FHA|USDA|VA) 1 $105,000 $105,000 $2,994 5.75%
SEBRING-AVON PARK, FL (FHA|USDA|VA) 1 $85,000 $85,000 $3,072 3.25%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 1 $85,000 $85,000 $2,900 3.88%
Helena-West Helena, AR (FHA|USDA|VA) 1 $35,000 $35,000 $2,643 4.88%
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)
  • Florida (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 2,059 $508,425,000 $246,928 $4,680 4.80%
    FHA 496 $113,130,000 $228,085 $8,091 4.89%
    VA 222 $69,780,000 $314,324 $7,650 4.77%
    USDA 132 $24,720,000 $187,273 $5,340 4.74%

    For 2022, Eagle Bank And Trust Company's most frequently originated type of loan was Conventional, with 2,059 originations. Their 2nd most popular type was FHA, with 496 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 2,557 $638,685,000 $249,779 $5,810 4.86%
    Cash Out Refi 206 $48,710,000 $236,456 $4,806 4.43%
    Refi 104 $22,330,000 $214,712 $3,476 4.26%
    Other 30 $5,280,000 $176,000 $3,842 4.78%
    Home Improvement 12 $1,050,000 $87,500 $1,418 6.11%

    For 2022, Eagle Bank And Trust Company's most frequently cited loan purpose was Home Purchase, with 2,557 originations. The 2nd most popular reason was Cash Out Refi, with 206 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 2,588 $669,870,000 $258,837 $5,738 4.89%
    15 Year 99 $23,135,000 $233,687 $4,145 3.96%
    10 Year 88 $1,170,000 $13,295 $2,515 4.54%
    Other 56 $10,240,000 $182,857 $3,269 5.45%
    5 Year 37 $3,275,000 $88,514 $0 1.51%
    20 Year 22 $5,320,000 $241,818 $4,127 3.77%
    3 Year 13 $1,675,000 $128,846 $0 5.47%
    1 Year 6 $1,370,000 $228,333 $0 4.99%

    For 2022, Eagle Bank And Trust Company's most frequently cited loan duration was 30 Year, with 2,588 originations. The 2nd most popular length was 15 Year, with 99 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 1,066 $238,140,000 $223,396
    $1k-2k 482 $97,850,000 $203,008
    $2k-3k 459 $104,485,000 $227,636
    $3k-4k 337 $96,495,000 $286,335
    $5k+ 184 $81,880,000 $445,000
    $4k-5k 183 $66,565,000 $363,743

    Eagle Bank And Trust Company's average total fees were $5,738, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,066 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    5-6% 1,009 $244,125,000 $241,947
    3-4% 719 $185,305,000 $257,726
    4-5% 611 $161,735,000 $264,705
    6-7% 366 $86,330,000 $235,874
    2.5-3% 92 $23,520,000 $255,652
    <2.5% 61 $3,825,000 $62,705
    7-8% 48 $10,910,000 $227,292
    Over 8% 2 $80,000 $40,000
    % 1 $225,000 $225,000

    During 2022, Eagle Bank And Trust Company's average interest rate for loans was 4.89%, while their most frequently originated rate bucket for loans was 5-6%, with 1,009 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 1,425 $401,585,000 $281,814 $6,110 4.91%
    $100k-200k 845 $131,835,000 $156,018 $4,231 4.91%
    $100,000 or less 317 $15,475,000 $48,817 $2,901 4.24%
    $400k-600k 260 $122,110,000 $469,654 $8,071 4.69%
    $600k-1MM 58 $40,790,000 $703,276 $8,614 4.59%
    $1MM+ 4 $4,260,000 $1,065,000 $5,215 4.71%

    2022 saw Eagle Bank And Trust Company place emphasis on $200k-400k loans with 1,425 originations, totaling $401,585,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 827 $168,725,000 $204,021 $5,196 4.78%
    $100k-150k 615 $185,215,000 $301,163 $6,295 4.91%
    $75k-100k 546 $137,600,000 $252,015 $6,192 5.00%
    $50k or less 474 $64,030,000 $135,084 $4,217 4.38%
    $150k-250k 313 $114,405,000 $365,511 $6,351 4.91%
    $250k+ 107 $39,505,000 $369,206 $6,162 4.95%

    Eagle Bank And Trust Company lent most frequently to those with incomes in the $50k-75k range, with 827 originations. The second most popular income band? $100k-150k, with 615 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 496 $123,530,000 $249,052 $5,378 4.76%
    20-30% 479 $113,355,000 $236,649 $4,929 4.78%
    <20% 163 $35,615,000 $218,497 $4,195 4.56%
    44% 161 $37,105,000 $230,466 $5,854 4.93%
    43% 158 $34,520,000 $218,481 $5,499 4.78%
    42% 143 $37,025,000 $258,916 $5,950 4.82%
    50-60% 135 $36,415,000 $269,741 $8,956 4.99%
    41% 127 $31,615,000 $248,937 $5,180 4.89%
    45% 121 $33,965,000 $280,702 $6,508 4.65%
    40% 119 $28,675,000 $240,966 $5,391 4.76%
    39% 116 $27,460,000 $236,724 $5,110 4.79%
    37% 110 $24,850,000 $225,909 $5,442 5.02%
    38% 103 $28,705,000 $278,689 $5,206 4.82%
    48% 97 $25,635,000 $264,278 $6,096 5.11%
    36% 91 $23,475,000 $257,967 $6,000 4.78%
    49% 86 $22,620,000 $263,023 $6,066 4.85%
    47% 85 $22,165,000 $260,765 $6,433 4.75%
    46% 80 $20,710,000 $258,875 $5,979 4.78%
    >60% 4 $1,200,000 $300,000 $6,940 4.81%

    Eagle Bank And Trust Company lent most frequently to those with DTI ratios of 30-36%, with 496 originations. The next most common DTI ratio? 20-30%, with 479 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 2,368 $587,230,000 $247,986 $5,603 4.81%
    Black 251 $50,375,000 $200,697 $6,148 4.63%
    Not provided 164 $40,980,000 $249,878 $5,545 4.92%
    Asian 88 $27,010,000 $306,932 $4,935 4.86%
    Not applicable 16 $4,980,000 $311,250 $4,622 5.53%
    American Indian 16 $4,670,000 $291,875 $4,204 5.15%
    Native Hawaiian or Islander 6 $810,000 $135,000 $3,989 4.13%

    Approval Rates

    Total approvals of all applications
    94.92%

    Eagle Bank And Trust Company has an average approval rate.

    Pick Rate

    Approvals leading to origination
    75.90%

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

    Points and Fees

    Points Originations Total Value Average Loan
    NA 2,909 $716,055,000 $246,152

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    2,909 $716,055,000 $246,152

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 72 $9,360,000 $130,000 $3,396 4.83%
    40-60% 232 $48,200,000 $207,759 $4,572 4.67%
    60-80% 762 $205,360,000 $269,501 $4,993 4.84%
    80-100% 1,645 $432,605,000 $262,982 $5,889 4.95%
    Over 100% 55 $18,135,000 $329,727 $12,553 4.62%
    Under 20% 141 $2,225,000 $15,780 $2,240 3.37%