# Eagle Bank and Trust Company

> **Canonical URL:** https://saferate.com/lenders/eagle-bank-and-trust


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Eagle Bank and Trust Company is a bank, headquartered in Little Rock, AR, serving borrowers across 21 states, with 1,608 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 55% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 14% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300QFP6J5QSZVF805
- **Headquarters:** Little Rock, AR
- **Geographic Reach:** Multi-Region
- **States Served:** 21
- **State List:** AL, AR, AZ, FL, GA, ID, IN, KS, KY, LA, MI, MO, MS, NM, NV, OK, SC, TN, TX, UT, VA
- **Markets (MSAs):** 7
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 45/100
- Rating: ●●●○○ (3/5)

### Pull Through: Exceptional 🤩
- Score: 86/100
- Rating: ●●●●● (5/5)

### Pricing Details
- **Average Rate Spread:** +0.228%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,639
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 1,608
- **Dollar Volume:** $446 million
- **Applications Received:** 2,068
- **Market Share:** 5.00%

## Typical Borrower Profile

- **Average Loan Amount:** $277,152
- **Average Borrower Income:** $110,543
- **Average Property Value:** $336,592

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (63%)
- ⭐ **FHA Gold Superstar** (76%)
- ⭐ **VA Gold Superstar** (77%)
- ⭐ **USDA Gold Superstar** (77%)
- ⭐ **Purchase Gold Superstar** (70%)
- ⭐ **Refinance Gold Superstar** (63%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 78/100 | 848 | +0.200% | $2,820 | Strong 😀 |
| FHA | 82/100 | 491 | +0.502% | $2,665 | Exceptional 🤩 |
| VA | 78/100 | 163 | -0.469% | $1,331 | Strong 😀 |
| USDA | 87/100 | 98 | +0.190% | $2,038 | Exceptional 🤩 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 805 loans, Score: 80/100 (Strong)
- Refinance: 43 loans, Score: 46/100 (Sound)

**FHA:**
- Purchase: 477 loans, Score: 83/100 (Exceptional)

**VA:**
- Purchase: 157 loans, Score: 78/100 (Strong)

**USDA:**
- Purchase: 98 loans, Score: 87/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 83/100 | 1,545 | $428M | +0.230% | Exceptional 🤩 |
| Refinance | 62/100 | 63 | $18M | +0.188% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| AR | 783 | 2.43% | 89/100 |
| ID | 316 | 1.18% | 76/100 |
| LA | 278 | 0.80% | 76/100 |
| MS | 175 | 0.70% | 73/100 |
| TN | 29 | 0.03% | 47/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Little Rock | AR | 445 | 100/100 |
| Memphis, TN |  | 272 | 82/100 |
| Monroe, LA | LA | 248 | 100/100 |
| Idaho Falls, ID | ID | 247 | 100/100 |
| Non |  | 241 | 63/100 |
| Fayetteville | AR | 94 | 69/100 |
| Hot Springs, AR | AR | 12 | 46/100 |

## Where This Lender Ranks

Eagle Bank and Trust Company appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Little Rock for FHA Loans
  - [View Full Rankings](https://saferate.com/little-rock/best-mortgage-lenders/fha-loans)
- 🥇 **#1** in Little Rock for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/little-rock/best-mortgage-lenders/banks/fha-loans)
- 🥇 **#1** in Little Rock for USDA Loans (Banks)
  - [View Full Rankings](https://saferate.com/little-rock/best-mortgage-lenders/banks/usda-loans)
- 🥇 **#1** in Idaho for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/idaho/best-mortgage-lenders/banks/fha-loans)
- 🥇 **#1** in Memphis, TN for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/memphis-tn/best-mortgage-lenders/banks/va-loans)
- 🥇 **#1** in Monroe, LA for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/monroe-la/best-mortgage-lenders/banks/conventional-loans)
- 🥇 **#1** in Monroe, LA for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/monroe-la/best-mortgage-lenders/banks/fha-loans)
- 🥇 **#1** in Monroe, LA for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/monroe-la/best-mortgage-lenders/banks/va-loans)
- 🥇 **#1** in Monroe, LA for USDA Loans
  - [View Full Rankings](https://saferate.com/monroe-la/best-mortgage-lenders/usda-loans)
- 🥇 **#1** in Monroe, LA for USDA Loans (Banks)
  - [View Full Rankings](https://saferate.com/monroe-la/best-mortgage-lenders/banks/usda-loans)
- 🥇 **#1** in Idaho Falls, ID
  - [View Full Rankings](https://saferate.com/idaho-falls-id/best-mortgage-lenders)
- 🥇 **#1** in Idaho Falls, ID Banks
  - [View Full Rankings](https://saferate.com/idaho-falls-id/best-mortgage-lenders/banks)
- 🥇 **#1** in Idaho Falls, ID for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/idaho-falls-id/best-mortgage-lenders/banks/conventional-loans)
- 🥇 **#1** in Idaho Falls, ID for FHA Loans
  - [View Full Rankings](https://saferate.com/idaho-falls-id/best-mortgage-lenders/fha-loans)
- 🥇 **#1** in Idaho Falls, ID for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/idaho-falls-id/best-mortgage-lenders/banks/fha-loans)
- 🥇 **#1** in Idaho Falls, ID for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/idaho-falls-id/best-mortgage-lenders/banks/va-loans)
- 🥈 **#2** in Arkansas for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/arkansas/best-mortgage-lenders/banks/va-loans)
- 🥈 **#2** in Little Rock Banks
  - [View Full Rankings](https://saferate.com/little-rock/best-mortgage-lenders/banks)
- 🥈 **#2** in Little Rock for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/little-rock/best-mortgage-lenders/banks/va-loans)
- 🥈 **#2** in Little Rock for USDA Loans
  - [View Full Rankings](https://saferate.com/little-rock/best-mortgage-lenders/usda-loans)

## Frequently Asked Questions

### What loan types does Eagle Bank and Trust Company offer?

Eagle Bank and Trust Company offers the following mortgage loan types: FHA, Conventional, VA, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Eagle Bank and Trust Company offer mortgages?

Eagle Bank and Trust Company offers mortgages in 21 states: AL, AR, AZ, FL, GA, ID, IN, KS, KY, LA, MI, MO, MS, NM, NV, OK, SC, TN, TX, UT, VA.

### How competitive are Eagle Bank and Trust Company's mortgage rates?

Eagle Bank and Trust Company has a pricing score of 45/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.228% above market average.

### What type of lender is Eagle Bank and Trust Company?

Eagle Bank and Trust Company is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Little Rock, AR.

### What is Eagle Bank and Trust Company's loan approval success rate?

Eagle Bank and Trust Company has a pull-through score of 86/100 (Exceptional). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/eagle-bank-and-trust

### How to Cite

> "Eagle Bank and Trust Company Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/eagle-bank-and-trust

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