Calhoun County, AR Mortgage Lenders & HMDA Data, 2016
In 2016, lenders reported 154 mortgage applications in Calhoun County, AR totaling $11.7 million, down 7% from 2015. The average application was for $76,000, and applicants reported an average income of $45,000. 45% of applications resulted in an originated loan and 26% were denied. The most active lender was Vanderbilt Mortgage and Finance, Inc, with 25 applications, followed by Generations Bank and 21st Mortgage.
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| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 154 |
| Total Mortgage Loan Application Amount | $11,712,000 |
| Average Mortgage Loan Application Amount | $76,000 |
| Highest Mortgage Loan Application Amount | $960,000 |
| Average Applicant Income | $45,000 |
| Highest Applicant Income | $177,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 25 | $ 1,389,000 |
| Generations Bank 1325 HWY 278 BYPASS ROGERS, AR 72758 |
* | $ 384,584,000 | 22 | $ 961,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 15 | $ 881,000 |
| Farmers Bank & Trust 200 E MAIN ST MAGNOLIA, AR 71753 |
* | $ 1,287,700,000 | 11 | $ 701,000 |
| Firsttrust Home Loans 906 SOUTH ROCK ST. SHERIDAN, AR 72150 |
* | $ 5,029,863,000 | 8 | $ 760,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 125,121,263,000 | 8 | $ 398,000 |
| Fbt Bank & Mortgage 200 WEST FOURTH ST FORDYCE, AR 71742 |
* | $ 149,759,000 | 7 | $ 285,000 |
| Freedom Mortgage Corporation 10500 KINCAID DRIVE FISHERS, IN 46037 |
* | $ 10,000,000 | 5 | $ 357,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,801,773,000 | 5 | $ 347,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 5 | $ 465,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,610,580,000,000 | 3 | $ 526,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 417,458,234,000 | 3 | $ 85,000 |
| Cadence Bank P O BOX 789 TUPELO, MS 38804 |
* | $ 13,790,125,000 | 3 | $ 272,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 26,594,410,000 | 2 | $ 80,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 224,192,000 | 2 | $ 16,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 2 | $ 197,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 2 | $ 327,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ 40,000,000 | 2 | $ 307,000 |
| Simmons Bank 501 MAIN PINE BLUFF, AR 71601 |
* | $ 7,515,756,000 | 2 | $ 53,000 |
| Bankers Mortgage Center, Inc. 909 NORTH 18TH STREET STE 110 MONROE, LA 71201 |
* | $ 10,000,000 | 2 | $ 199,000 |
| First Community Mortgage, Inc. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ 10,000,000 | 1 | $ 105,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 229,000 |
| Ntfn, Inc. 700 STATE HIGHWAY 121, SUITE 100 PLANO, TX 75067 |
* | $ 10,000,000 | 1 | $ 86,000 |
| The Citizens Bank 200 S THIRD ST, PO BOX 2156 BATESVILLE, AR 72503 |
* | $ 722,365,000 | 1 | $ 19,000 |
| First Financial Bank 214 N WASHINGTON STREET EL DORADO, AR 71730 |
* | $ 866,511,000 | 1 | $ 97,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 1 | $ 176,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ 242,587,000 | 1 | $ 66,000 |
| United Built Homes, LLC 8500 LINE AVE SHREVEPORT, LA 71106 |
* | $ 59,713,000 | 1 | $ 252,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,914,658,000,000 | 1 | $ 75,000 |
| Farm Credit Services of Western Arkansas 3115 WEST SECOND COURT RUSSELLVILLE, AR 72802 |
* | $ 903,912,000,000 | 1 | $ 70,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 71,130,930,000 | 1 | $ 284,000 |
| Guardian Mortgage Company, Inc 100 N. CENTRAL EXPRESSWAY SUITE 150 RICHARDSON, TX 75083 |
* | $ 2,214,138,000 | 1 | $ 63,000 |
| First Security Bank PO BOX 938 CONWAY, AR 72033 |
* | $ 4,903,891,000 | 1 | $ 960,000 |
The tables below break down 2016 mortgage applications in Calhoun County, AR by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Calhoun County, AR in 2016
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 97 | $7,912,000 | $81,000 | $960,000 | $43,000 | $177,000 |
| Refinancing | 39 | $3,234,000 | $82,000 | $229,000 | $46,000 | $131,000 |
| Home Improvement | 18 | $566,000 | $31,000 | $122,000 | $49,000 | $112,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 107 | $7,735,000 | $72,000 | $284,000 | $51,000 | $177,000 |
| Black or African American | 24 | $1,221,000 | $50,000 | $222,000 | $30,000 | $70,000 |
| Not applicable | 14 | $2,093,000 | $149,000 | $960,000 | $20,000 | $89,000 |
| Not Provided | 8 | $612,000 | $76,000 | $154,000 | $49,000 | $94,000 |
| Hispanic | 1 | $51,000 | $51,000 | $51,000 | $23,000 | $23,000 |
| Native Hawaiin or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 101 | $7,098,000 | $70,000 | $960,000 | $49,000 | $177,000 |
| FHA-insured (Federal Housing Administration) | 32 | $2,798,000 | $87,000 | $229,000 | $38,000 | $94,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 15 | $1,310,000 | $87,000 | $154,000 | $32,000 | $65,000 |
| VA-guaranteed (Veterans Administration) | 6 | $506,000 | $84,000 | $145,000 | $29,000 | $88,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 70 | $5,945,000 | $84,000 | $960,000 | $49,000 | $131,000 |
| Application Denied By Financial Institution | 40 | $2,561,000 | $64,000 | $252,000 | $42,000 | $109,000 |
| File Closed For Incompleteness | 14 | $734,000 | $52,000 | $105,000 | $35,000 | $63,000 |
| Loan Purchased By The Institution | 13 | $1,218,000 | $93,000 | $176,000 | $27,000 | $89,000 |
| Application Withdrawn By Applicant | 11 | $864,000 | $78,000 | $284,000 | $60,000 | $177,000 |
| Application Approved But Not Accepted | 6 | $390,000 | $65,000 | $176,000 | $45,000 | $75,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit History | 4 | $53,000 | $13,000 | $25,000 | $45,000 | $92,000 |
| Debt-To-Income Ratio | 3 | $288,000 | $96,000 | $252,000 | $50,000 | $109,000 |
| Collateral | 3 | $180,000 | $60,000 | $79,000 | $57,000 | $85,000 |
| Other | 2 | $111,000 | $55,000 | $71,000 | $33,000 | $38,000 |
| Unverifiable Information | 1 | $118,000 | $118,000 | $118,000 | $39,000 | $39,000 |
| Credit Application Incomplete | 1 | $86,000 | $86,000 | $86,000 | $36,000 | $36,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
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