Applications / Mortgage Analytics / Lenders / Maryland / Eastern Savings Bank
Hunt Valley, MD · Savings institution · OCC · $367 million assets · 6 loans in 2025
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6
loans originated, 2025
7
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Eastern Savings Bank, a Maryland savings institution that has filed since 1990, made just 6 home loans in 2025, down from 90 in 2018.
Its loans fell 78% in the year, from 27 to 6. Similar lenders, here savings institutions making between a quarter and four times as many loans, made 17% fewer, while the whole market grew 10%. It made fewer loans than all but a few of them. With so few loans, one or two customers more or less can move the count a long way.
It made 90 loans in 2018 and 59 in 2019, then filed no report for 2020, 2021 or 2022. Since 2020 a bank making fewer than 100 closed-end loans a year need not report, so those years are gaps, not years without lending. It reported again in 2023, with 32 loans.
It has lent in Baltimore-Columbia-Towson since 1990, in New York-Newark-Jersey City since 1993 and in Bridgeport-Stamford-Danbury since 1998. In Baltimore, its largest market, it ranks 336 of 592 lenders, in a market led by Rocket Mortgage and United Wholesale Mortgage. With six loans, its mix of borrowers, neighborhoods and loan sizes is too small to read much into. The bank took its present name in 1986, from Eastern Savings Association.
Similar lenders: same lender type, originations between a quarter and four times the lender's. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Eastern Savings Bank took 7 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 66.7% · Purchase 33.3%
Conventional 100.0% · of 6 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Maryland | 3 | 50.0% |
| New York | 2 | 33.3% |
| Connecticut | 1 | 16.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Baltimore-Columbia-Towson | 3 |
| New York-Jersey City-White Plains | 2 |
| Bridgeport-Stamford-Danbury | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493007O5KJGDP4CB858 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 643078 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 48183 | 1990–2010 |
| Respondent ID (the HMDA filer code before 2018) | 1708183 | 2011–2017 |
Established 29 May 1905. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Eastern Savings Bank's data.
Eastern Savings Bank's data
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