Howard County, AR Mortgage Lenders & HMDA Data, 2008
In 2008, lenders reported 462 mortgage applications in Howard County, AR totaling $38.7 million, down 4% from 2007. The average application was for $83,000, and applicants reported an average income of $62,000. 53% of applications resulted in an originated loan and 21% were denied. The most active lender was Bear State Bank, with 96 applications, followed by Regions Bank and JPMorgan Chase Bank, NA.
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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 | 462 |
| Total Mortgage Loan Application Amount | $38,718,000 |
| Average Mortgage Loan Application Amount | $83,000 |
| Highest Mortgage Loan Application Amount | $486,000 |
| Average Applicant Income | $62,000 |
| Highest Applicant Income | $882,000 |
* 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 |
|---|---|---|---|---|
| Bear State Bank 1401 HWY 62/65 N HARRISON, AR 72602 |
* | $ 710,108,000 | 96 | $ 4,551,000 |
| Regions Bank 1900 5TH AVENUE N - ALBH10903B BIRMINGHAM, AL 35203 |
* | $ 137,049,763,000 | 84 | $ 4,711,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,318,888,000,000 | 36 | $ 3,146,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 121,054,736,000 | 26 | $ 3,440,000 |
| Wr Starkey Mortgage LLP 6101 WEST PLANO PARKWAY PLANO, TX 75093 |
* | $ 10,000,000 | 24 | $ 3,022,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 16 | $ 990,000 |
| Bancorpsouth Bank P O BOX 789 TUPELO, MS 38802 |
* | $ 13,192,320,000 | 15 | $ 1,530,000 |
| Guaranty Bank 8333 DOUGLAS AVENUE DALLAS, TX 75225 |
* | $ 16,674,004,000 | 14 | $ 1,749,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 467,861,000,000 | 11 | $ 1,110,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 10 | $ 1,433,000 |
| Red River Employees Federal Credit Union 4405 SUMMERHILL ROAD TEXARKANA, TX 75503 |
* | $ 316,351,000 | 8 | $ 612,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 8 | $ 838,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 7 | $ 1,062,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 6 | $ 393,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 5 | $ 857,000 |
| First Tennessee Bank NA 165 MADISON 5TH FLOOR MEMPHIS, TN 38103 |
* | $ 36,725,591,000 | 5 | $ 632,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 5 | $ 482,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 18,878,056,000 | 5 | $ 594,000 |
| Ge Money Bank 4246 SOUTH RIVERBOAT RDCSUITE 200 SALT LAKE CITY, UT 84123 |
* | $ 14,839,190,000 | 5 | $ 44,000 |
| Shelter Financial Bank 1817 W. BROADWAY COLUMBIA, MO 65218 |
* | $ 135,478,000 | 3 | $ 345,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 15,898,003,000 | 3 | $ 163,000 |
| Arvest Bank Group 4500 SOUTH GARNETT SUIT 440 TULSA, OK 74146 |
* | $ 9,711,871,000 | 3 | $ 337,000 |
| Capital One NA 11130 INDUSTRIALPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 97,517,902,000 | 3 | $ 21,000 |
| Cornerstone Mortgage Center, I 300 SOUTH SHACKLEFORD RD LITTLE ROCK, AR 72211 |
* | $ 10,000,000 | 3 | $ 283,000 |
| Homecomings Financial LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 3 | $ 467,000 |
| Mortgage Company of America,Ll 2416 21ST AVE. SOUTH, SUITE 202 NASHVILLE, TN 37212 |
* | $ 10,000,000 | 2 | $ 442,000 |
| 1st Bank, N.A. PO BOX 520 HOPE, AR 71801 |
* | $ 205,062,000 | 2 | $ 66,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 232,759,503,000 | 2 | $ 202,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 175,107,526,000 | 2 | $ 144,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 199,946,230,000 | 2 | $ 104,000 |
| Equifirst Corporation 13000 S TRYON ST, STE F, PMB 317 CHARLOTTE, NC 28278 |
* | $ 343,735,670,000 | 2 | $ 205,000 |
| Signature Bank of Arkansas 3878 N CROSSOVER ROAD STE 20 FAYETTEVILLE, AR 72703 |
* | $ 536,232,000 | 2 | $ 235,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 150,508,000 | 2 | $ 310,000 |
| Summit Bank 409 MAIN STREET ARKADELPHIA, AR 71923 |
* | $ 907,780,000 | 2 | $ 157,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 28,404,352,000 | 2 | $ 260,000 |
| Amtrust Bank 1801 E. 9TH ST #200 CLEVELAND, OH 44114 |
* | $ 16,938,391,000 | 2 | $ 189,000 |
| Aurora Bank FSB 1271 SIXTH AVENUE, 46TH FLOOR NEW YORK, NY 10020 |
* | $ 16,047,364,000 | 1 | $ 119,000 |
| Fidelity Bank 100 E ENGLISH WICHITA, KS 67202 |
* | $ 1,816,477,000 | 1 | $ 37,000 |
| Colonial Savings, F. A. P. O. BOX 2988 FORT WORTH, TX 76113 |
* | $ 949,331,000 | 1 | $ 64,000 |
| New South Federal Savings Bank 1900 CRESTWOOD BOULEVARD BIRMINGHAM, AL 35210 |
* | $ 1,901,132,000 | 1 | $ 77,000 |
| Atlantic Coast Bank 505 HAINES AVENUE WAYCROSS, GA 31501 |
* | $ 922,061,000 | 1 | $ 30,000 |
| American Southwest Mortgage Corp. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ 143,000,000 | 1 | $ 90,000 |
| Corefirst Bank & Trust 3035 S TOPEKA BLVD TOPEKA, KS 66611 |
* | $ 1,231,166,000 | 1 | $ 36,000 |
| Chambers Bank 901 MAIN STREET DANVILLE, AR 72833 |
* | $ 468,056,000 | 1 | $ 23,000 |
| Suntrust Banks, Inc. P.O. BOX 4418, MAIL CODE 663 ATLANTA, GA 30302 |
* | $ 175,107,526,000 | 1 | $ 15,000 |
| Eloan 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 48,624,000,000 | 1 | $ 32,000 |
| Wachovia Mortgage Corp 301 S COLLEGE ST CHARLOTTE, NC 28202 |
* | $ 2,687,938,000 | 1 | $ 130,000 |
| First Financial Bank 214 N WASHINGTON STREET EL DORADO, AR 71730 |
* | $ 578,581,000 | 1 | $ 486,000 |
| Capital One Home Loans, LLC 12800 FOSTER STREET OVERLAND PARK, KS 66213 |
* | $ 88,701,411,000 | 1 | $ 43,000 |
| Americanmtgnetwork dba Vertice TONYA YOUNG 100 N MAIN ST MAC D4001-063 WINSTON-SALEM, NC 27101 |
* | $ 473,000,000,000 | 1 | $ 111,000 |
| First Nb of Jacksboro P.O. DRAWER E JACKSBORO, TX 76458 |
* | $ 311,937,000 | 1 | $ 104,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,312,794,218,000 | 1 | $ 31,000 |
| Rbs Citizens, N.A. ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 128,863,082,000 | 1 | $ 75,000 |
| The Mortgage Outlet, Inc. 1800 SANDY PLAINS PKWY. SUITE 304 MARIETTA, GA 30066 |
* | $ 10,000,000 | 1 | $ 67,000 |
| Mil-Way Federal Credit Union 2000 ARKANSAS BLVD TEXARKANA, AR 71854 |
* | $ 63,341,000 | 1 | $ 30,000 |
| Telcoe Federal Credit Union PO BOX 34200 LITTLE ROCK, AR 72201 |
* | $ 188,328,000 | 1 | $ 133,000 |
| Atlanta Postal Credit Union 1605 BOGGS ROAD ATLANTA, GA 30354 |
* | $ 1,538,411,000 | 1 | $ 135,000 |
| The Carroll Mortgage Group, Inc. 9101 NORTH RODNEY PARHAM ROAD., STE 1 LITTLE ROCK, AR 72205 |
* | $ 10,000,000 | 1 | $ 52,000 |
| Homeplus Finance Corporation 2143 S. SEPULVEDA BLVD LOS ANGELES, CA 90025 |
* | $ 40,000,000 | 1 | $ 23,000 |
| Gmfs, LLC 7389 FLORIDA BLVD, STE 200-A BATON ROUGE, LA 70806 |
* | $ 10,000,000 | 1 | $ 76,000 |
| Mortgage Research Center, LLC 2101 CHAPEL PLAZA COURT SUITE 107 COLUMBIA, MO 65203 |
* | $ 880,000,000 | 1 | $ 85,000 |
The tables below break down 2008 mortgage applications in Howard 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 Howard County, AR in 2008
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 | 278 | $25,713,000 | $92,000 | $486,000 | $62,000 | $358,000 |
| Home Purchase | 138 | $11,750,000 | $85,000 | $275,000 | $62,000 | $882,000 |
| Home Improvement | 46 | $1,255,000 | $27,000 | $220,000 | $60,000 | $606,000 |
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 | 317 | $29,134,000 | $91,000 | $486,000 | $71,000 | $882,000 |
| Black or African American | 56 | $3,418,000 | $61,000 | $202,000 | $47,000 | $117,000 |
| Hispanic | 30 | $1,118,000 | $37,000 | $85,000 | $42,000 | $93,000 |
| Not Provided | 29 | $2,564,000 | $88,000 | $295,000 | $61,000 | $172,000 |
| Not applicable | 26 | $2,254,000 | $86,000 | $315,000 | $15,000 | $89,000 |
| Asian | 3 | $155,000 | $51,000 | $88,000 | $34,000 | $84,000 |
| American Indian or Alaskan Native | 1 | $75,000 | $75,000 | $75,000 | $5,000 | $5,000 |
| 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) | 352 | $26,088,000 | $74,000 | $315,000 | $65,000 | $882,000 |
| FHA-insured (Federal Housing Administration) | 91 | $10,798,000 | $118,000 | $251,000 | $57,000 | $216,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 17 | $1,630,000 | $95,000 | $486,000 | $31,000 | $96,000 |
| VA-guaranteed (Veterans Administration) | 2 | $202,000 | $101,000 | $117,000 | $47,000 | $47,000 |
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 | 243 | $18,127,000 | $74,000 | $315,000 | $70,000 | $882,000 |
| Application Denied By Financial Institution | 95 | $7,289,000 | $76,000 | $486,000 | $43,000 | $123,000 |
| Loan Purchased By The Institution | 64 | $7,118,000 | $111,000 | $251,000 | $50,000 | $127,000 |
| Application Withdrawn By Applicant | 34 | $4,268,000 | $125,000 | $295,000 | $85,000 | $606,000 |
| Application Approved But Not Accepted | 23 | $1,663,000 | $72,000 | $167,000 | $53,000 | $260,000 |
| File Closed For Incompleteness | 3 | $253,000 | $84,000 | $112,000 | $72,000 | $142,000 |
| 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 | 22 | $1,327,000 | $60,000 | $157,000 | $42,000 | $123,000 |
| Collateral | 8 | $649,000 | $81,000 | $121,000 | $47,000 | $90,000 |
| Credit Application Incomplete | 7 | $769,000 | $109,000 | $234,000 | $45,000 | $70,000 |
| Debt-To-Income Ratio | 5 | $186,000 | $37,000 | $80,000 | $31,000 | $85,000 |
| Other | 4 | $798,000 | $199,000 | $486,000 | $44,000 | $96,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| 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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