Fulton County, AR Mortgage Lenders & HMDA Data, 2009
In 2009, lenders reported 352 mortgage applications in Fulton County, AR totaling $40.2 million, up 15% from 2008. The average application was for $114,000, and applicants reported an average income of $59,000. 46% of applications resulted in an originated loan and 20% were denied. The most active lender was Embrace Home Loans, Inc., with 32 applications, followed by Liberty Bank of Arkansas and Simmons First National Bank.
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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 | 352 |
| Total Mortgage Loan Application Amount | $40,230,000 |
| Average Mortgage Loan Application Amount | $114,000 |
| Highest Mortgage Loan Application Amount | $1,718,000 |
| Average Applicant Income | $59,000 |
| Highest Applicant Income | $743,000 |
* Phone Numbers for Mortgage Lenders are available with a Data Download Report
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 32 | $ 3,385,000 |
| Liberty Bank of Arkansas 2901 EAST HIGHLAND DRIVE JONESBORO, AR 72401 |
* | $ 2,615,639,000 | 26 | $ 3,087,000 |
| Simmons First National Bank 501 MAIN PINE BLUFF, AR 71601 |
* | $ 1,424,029,000 | 25 | $ 2,121,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,746,242,000,000 | 22 | $ 2,501,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,471,631,047,000 | 20 | $ 2,604,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 16 | $ 1,756,000 |
| First Community Bank 1325 HARRISON STREET BATESVILLE, AR 72501 |
* | $ 543,002,000 | 16 | $ 2,419,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,157,838,000 | 13 | $ 1,616,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 261,775,591,000 | 12 | $ 1,237,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 4,858,594,000 | 10 | $ 765,000 |
| Affiliated Mortgage Company 1301 HUDSON LANE MONROE, LA 71201 |
* | $ 212,423,000 | 10 | $ 1,163,000 |
| Arvest Mortgage Company 931 W MONROE LOWELL, AR 72745 |
* | $ 10,210,879,000 | 8 | $ 848,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 538,958,000,000 | 8 | $ 1,198,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 7 | $ 733,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 6 | $ 885,000 |
| Bancorpsouth Bank P O BOX 789 TUPELO, MS 38802 |
* | $ 13,488,870,000 | 6 | $ 359,000 |
| Iberiabankfsb 5800 R STREET LITTLE ROCK, AR 72207 |
* | $ 1,512,499,000 | 6 | $ 567,000 |
| Simmons First Bank-Jonesboro P.O. BOX 7509 JONESBORO, AR 72403 |
* | $ 294,716,000 | 5 | $ 648,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,227,040,000,000 | 5 | $ 367,000 |
| Arvest Bank Group 4500 SOUTH GARNETT SUIT 440 TULSA, OK 74146 |
* | $ 10,210,879,000 | 5 | $ 320,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 117,978,966,000 | 5 | $ 713,000 |
| Baxter Credit Union 340 N MILWAUKEE AVE 340 N MILWAUKEE AVE, IL 60061 |
* | $ 1,357,964,000 | 5 | $ 459,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 4 | $ 338,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 185,098,787,000 | 4 | $ 612,000 |
| Integrity First Bank, National Association 502 S HICKORY ST MOUNTAIN HOME, AR 72653 |
* | $ 354,738,000 | 4 | $ 1,850,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 4 | $ 448,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 32,882,574,000 | 4 | $ 342,000 |
| First Federal Bank 1401 HWY 62-65N HARRISON, AR 72601 |
* | $ 795,143,000 | 3 | $ 97,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 16,669,297,000 | 3 | $ 234,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 3 | $ 622,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 3 | $ 330,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 32,584,979,000 | 3 | $ 206,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ 39,000,000 | 2 | $ 275,000 |
| Americahomekey, Inc 3838 OAK LAWN STE 1050 DALLAS, TX 75219 |
* | $ 10,000,000 | 2 | $ 589,000 |
| Onewest Bank, FSB 888 EAST WALNUT ST PASADENA, CA 91101 |
* | $ 36,000,000,000 | 2 | $ 214,000 |
| Pentagon Federal Credit Union 14300 SULLYFIELD CIRCLE CHANTILLY, VA 20151 |
* | $ 12,942,945,000 | 2 | $ 250,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 36,351,625,000 | 2 | $ 171,000 |
| The Mortgage Outlet, Inc. 1800 SANDY PLAINS PKWY. SUITE 304 MARIETTA, GA 30066 |
* | $ 10,000,000 | 2 | $ 229,000 |
| Heritage Bank 2009 BROWNS LANE JONESBORO, AR 72401 |
* | $ 243,291,000 | 2 | $ 48,000 |
| Bank of the Ozarks PO BOX 8811 LITTLE ROCK, AR 72231 |
* | $ 3,228,954,000 | 2 | $ 127,000 |
| First Security Bank PO BOX 938 CONWAY, AR 72033 |
* | $ 2,420,553,000 | 2 | $ 200,000 |
| Capital One NA 11130 INDUSTRIALPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 115,142,306,000 | 2 | $ 18,000 |
| Relyance Bank, National Association 912 SOUTH POPLAR STREET PINE BLUFF, AR 71601 |
* | $ 351,139,000 | 1 | $ 33,000 |
| First National Bank of Eastern Arkansas 101 N WASHINGTON STREET FORREST CITY, AR 72335 |
* | $ 272,247,000 | 1 | $ 132,000 |
| First National Bank of Cc P.O. BOX 523 WEST CHESTER, PA 19381 |
* | $ 1,297,208,000 | 1 | $ 81,000 |
| Metlife Bank, N.A. 334 MADISON AVENUE CONVENT STATION, NJ 07961 |
* | $ 10,273,647,000 | 1 | $ 68,000 |
| Capwest Mortgage Corporation 14231 METCALF AVE. STE. 200 OVERLAND PARK, KS 66223 |
* | $ 629,176,000 | 1 | $ 150,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 3,930,807,000 | 1 | $ 74,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 1 | $ 150,000 |
| Mwabank 1701 1ST AVENUE ROCK ISLAND, IL 61201 |
* | $ 208,407,000 | 1 | $ 108,000 |
| Admirals Bank Former Domestic 815 RESERVOIR AVE CRANSTON, RI 02910 |
* | $ 248,819,000 | 1 | $ 16,000 |
| Fidelity Bank 100 E ENGLISH WICHITA, KS 67202 |
* | $ 1,853,520,000 | 1 | $ 49,000 |
| Colonial Savings, F. A. P. O. BOX 2988 FORT WORTH, TX 76113 |
* | $ 941,902,000 | 1 | $ 120,000 |
| Gmfs, LLC 7389 FLORIDA BLVD, STE 200-A BATON ROUGE, LA 70806 |
* | $ 10,000,000 | 1 | $ 118,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ 3,125,000 | 1 | $ 209,000 |
| Telcoe Federal Credit Union PO BOX 34200 LITTLE ROCK, AR 72201 |
* | $ 207,169,000 | 1 | $ 99,000 |
| Iberiabank Mortgage Company 12719 CANTRELL ROAD LITTLE ROCK, AR 72223 |
* | $ 499,416,000 | 1 | $ 268,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 1 | $ 68,000 |
| Hometown Equity Mortgage, LLC 25531 COMMERCENTRE DRIVE SUITE 250 LAKE FOREST, CA 92630 |
* | $ 10,000,000 | 1 | $ 71,000 |
| Multi-State Home Lending Inc. 2081 BUSINESS CENTER DRIVE SUITE 190 IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 153,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 1 | $ 285,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ 10,000,000 | 1 | $ 94,000 |
The tables below break down 2009 mortgage applications in Fulton 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 Fulton County, AR in 2009
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 |
|---|---|---|---|---|---|---|
| Refinancing | 248 | $32,410,000 | $130,000 | $1,718,000 | $64,000 | $743,000 |
| Home Purchase | 85 | $6,795,000 | $79,000 | $285,000 | $47,000 | $285,000 |
| Home Improvement | 19 | $1,025,000 | $53,000 | $176,000 | $51,000 | $132,000 |
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 | 275 | $28,801,000 | $104,000 | $417,000 | $60,000 | $743,000 |
| Not Provided | 45 | $5,053,000 | $112,000 | $346,000 | $58,000 | $264,000 |
| Not applicable | 26 | $3,770,000 | $145,000 | $1,342,000 | $27,000 | $134,000 |
| American Indian or Alaskan Native | 3 | $352,000 | $117,000 | $145,000 | $27,000 | $51,000 |
| Asian | 3 | $2,254,000 | $751,000 | $1,718,000 | $311,000 | $689,000 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 250 | $28,895,000 | $115,000 | $1,718,000 | $68,000 | $743,000 |
| FHA-insured (Federal Housing Administration) | 85 | $9,518,000 | $111,000 | $276,000 | $42,000 | $159,000 |
| VA-guaranteed (Veterans Administration) | 10 | $1,250,000 | $125,000 | $185,000 | $44,000 | $81,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 7 | $567,000 | $81,000 | $164,000 | $2,000 | $20,000 |
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 | 161 | $18,228,000 | $113,000 | $1,718,000 | $66,000 | $689,000 |
| Application Denied By Financial Institution | 71 | $7,352,000 | $103,000 | $250,000 | $40,000 | $130,000 |
| Loan Purchased By The Institution | 64 | $7,307,000 | $114,000 | $402,000 | $46,000 | $150,000 |
| Application Withdrawn By Applicant | 35 | $4,699,000 | $134,000 | $285,000 | $59,000 | $170,000 |
| Application Approved But Not Accepted | 14 | $1,749,000 | $124,000 | $346,000 | $61,000 | $264,000 |
| File Closed For Incompleteness | 7 | $895,000 | $127,000 | $173,000 | $218,000 | $743,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 14 | $1,671,000 | $119,000 | $250,000 | $32,000 | $86,000 |
| Credit History | 10 | $837,000 | $83,000 | $141,000 | $50,000 | $85,000 |
| Collateral | 8 | $1,020,000 | $127,000 | $219,000 | $39,000 | $107,000 |
| Credit Application Incomplete | 4 | $376,000 | $94,000 | $148,000 | $38,000 | $61,000 |
| Other | 2 | $109,000 | $54,000 | $101,000 | $27,000 | $30,000 |
| Employment History | 2 | $226,000 | $113,000 | $127,000 | $31,000 | $34,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $49,000 | $49,000 | $49,000 | $53,000 | $53,000 |
| Unverifiable Information | 1 | $120,000 | $120,000 | $120,000 | $85,000 | $85,000 |
| 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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