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| $6,295,214,383,000 in Mortgage Loans Applied for in 2006 from 34,105,441 Applications |
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ONE BANK & TRUST, N.A.
Mortgage Loans and Application Details
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| Mortgage Company Name |
ONE BANK & TRUST, N.A. |
| Address | 300 WEST CAPITOL AVE
LITTLE ROCK, AR 72201 |
| Agency | Office of the Comptroller of the Currency (OCC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 368 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $58,501,000 |
| Average Mortgage Loan Amount Applied For | $169,840 |
| Highest Mortgage Loan Amount Applied For | $1,425,000 |
| Average Applicant Income | $154,120 |
| Highest Applicant Income | $684,000 |
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| Home Improvement |
16 | $2,394,000 |
$149,000 | $1,120,000 |
$125,000 | $684,000 |
| Home Purchase |
196 | $31,323,000 |
$159,000 | $1,000,000 |
$110,000 | $672,000 |
| Refinancing |
163 | $26,116,000 |
$160,000 | $1,425,000 |
$144,000 | $549,000 |
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| American Indian or Alaskan Native |
2 | $249,000 |
$124,000 | $194,000 |
$76,000 | $79,000 |
| Asian |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black or African American |
13 | $994,000 |
$76,000 | $163,000 |
$58,000 | $288,000 |
| Hispanic |
1 | $124,000 |
$124,000 | $124,000 |
$39,000 | $39,000 |
| Native Hawaiin or Other Pacific Islander |
1 | $1,425,000 |
$1,425,000 | $1,425,000 |
$409,000 | $409,000 |
| Not applicable |
2 | $1,140,000 |
$570,000 | $1,120,000 |
$354,000 | $684,000 |
| Not Provided |
8 | $1,708,000 |
$213,000 | $435,000 |
$113,000 | $300,000 |
| White |
348 | $54,193,000 |
$155,000 | $1,000,000 |
$127,000 | $672,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
355 | $57,400,000 |
$161,000 | $1,425,000 |
$129,000 | $684,000 |
| FHA-insured (Federal Housing Administration) |
15 | $1,799,000 |
$119,000 | $203,000 |
$61,000 | $348,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| VA-guaranteed (Veterans Administration) |
5 | $634,000 |
$126,000 | $194,000 |
$52,000 | $84,000 |
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| Application Approved But Not Accepted |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Application Denied By Financial Institution |
7 | $646,000 |
$92,000 | $177,000 |
$31,000 | $95,000 |
| Application Withdrawn By Applicant |
21 | $3,977,000 |
$189,000 | $800,000 |
$116,000 | $450,000 |
| File Closed For Incompleteness |
1 | $32,000 |
$32,000 | $32,000 |
$106,000 | $106,000 |
| Loan Originated |
346 | $55,178,000 |
$159,000 | $1,425,000 |
$128,000 | $684,000 |
| Loan Purchased By The Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Approved but not Accepted |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Denied by Financial Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
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| Collateral |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
3 | $282,000 |
$94,000 | $100,000 |
$14,000 | $29,000 |
| Debt-To-Income Ratio |
1 | $177,000 |
$177,000 | $177,000 |
$95,000 | $95,000 |
| Employment History |
1 | $20,000 |
$20,000 | $20,000 |
$25,000 | $25,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
2 | $167,000 |
$83,000 | $97,000 |
$28,000 | $56,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for ONE BANK & TRUST, N.A. by:
Metropolitan Area And
County
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