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Eagle Bank and Trust Company
Bank|Little Rock, AR|Multi-Region
Loans Originated
1,608
Applications
2,068
Volume
$445 million
Offers loans directly to consumers
Overall Pricing
Sound
Overall Pull Through
Exceptional
Safe Rate Awards⭐Conventional Superstar⭐FHA Superstar⭐VA Superstar⭐USDA Superstar⭐Purchase Superstar⭐Refinance Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.228%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$2,639
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
77.8%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and USDA loans
Report Card
Eagle Bank and Trust Company performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Sound | Industry Standard | |
Pull Through Closing Strength | Exceptional | Market Leader | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Exceptional | Market Leader | |
VA | Strong | Highly Competitive | |
USDA | Exceptional | Market Leader | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Exceptional | Market Leader | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Strong | Multi-Regional · 7 metro areas · 21 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$277,152
Average Borrower Income
$110,543
Average Property Value
$336,592
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Strong | Strong | Sound | Strong | 848 | 52.7% | +0.200% | $2,820 |
FHA Loans | Strong | Exceptional | Sound | Exceptional | 491 | 30.5% | +0.502% | $2,665 |
VA Loans | Strong | Strong | Strong | Exceptional | 163 | 10.1% | -0.469% | $1,331 |
USDA Loans | Strong | Exceptional | Strong | Strong | 98 | 6.1% | +0.190% | $2,038 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Strong | Exceptional | Sound | Strong | 1,545 | 96.1% | +0.230% | $2,631 |
Refinance | Strong | Strong | Sound | Strong | 63 | 3.9% | +0.188% | $2,822 |
Geographic Coverage
Metro Areas
6
States Served
21
We count Washington DC as a state
Avg Place Specialization
Exceptional
States with Loan Originations
ALARAZFLGAIDINKSKYLAMIMOMSNMNVOKSCTNTXUTVA
Top Metro Areas by Place Specialization Score
1
Little Rock, ARMSA
Volume: 445Mix: 27.67%
Place Specialization
Exceptional
2
Monroe, LA, LAMSA
Volume: 248Mix: 15.42%
Place Specialization
Exceptional
3
Idaho Falls, ID, IDMSA
Volume: 247Mix: 15.36%
Place Specialization
Exceptional
4
Memphis, TNMSA
Volume: 272Mix: 16.92%
Place Specialization
Exceptional
5
Fayetteville, ARMSA
Volume: 94Mix: 5.85%
Place Specialization
Strong
6
Hot Springs, AR, ARMSA
Volume: 12Mix: 0.75%
Place Specialization
Sound
Top States by Place Specialization Score
1
ARState
Volume: 783Mix: 48.69%
Place Specialization
Exceptional
2
IDState
Volume: 316Mix: 19.65%
Place Specialization
Strong
3
LAState
Volume: 278Mix: 17.29%
Place Specialization
Strong
4
MSState
Volume: 175Mix: 10.88%
Place Specialization
Strong
5
TNState
Volume: 29Mix: 1.80%
Place Specialization
Sound
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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