Johnson County, AR Mortgage Lenders & HMDA Data, 2005
In 2005, lenders reported 1,532 mortgage applications in Johnson County, AR totaling $114.8 million, up 13% from 2004. The average application was for $74,000, and applicants reported an average income of $41,000. 42% of applications resulted in an originated loan and 18% were denied. The most active lender was Washington Mutual Bank, with 158 applications, followed by Bank of the Ozarks and First Security 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 | 1,532 |
| Total Mortgage Loan Application Amount | $114,771,000 |
| Average Mortgage Loan Application Amount | $74,000 |
| Highest Mortgage Loan Application Amount | $631,000 |
| Average Applicant Income | $41,000 |
| Highest Applicant Income | $684,000 |
Top Mortgage Lenders in Johnson County, AR (2005)
Ranked by the number of mortgage applications each lender reported in Johnson County, AR in 2005.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | Washington Mutual Bank Albion, NY |
158 | $13,221,000 | $83,000 | $7,000 |
| 2 | Bank of the Ozarks Little Rock, AR |
153 | $8,983,000 | $58,000 | $38,000 |
| 3 | First Security Bank Conway, AR |
123 | $10,088,000 | $82,000 | $37,000 |
| 4 | Regions Bank Birmingham, AL |
120 | $6,714,000 | $55,000 | $41,000 |
| 5 | JPMorgan Chase Bank, NA Columbus, OH |
110 | $8,209,000 | $74,000 | $27,000 |
| 6 | Arvest Bank Group Tulsa, OK |
60 | $1,860,000 | $31,000 | $46,000 |
| 7 | Countrywide Home Loans Westlake Village, CA |
50 | $4,126,000 | $82,000 | $41,000 |
| 8 | Ameriquest Mortgage Company Orange, CA |
44 | $3,710,000 | $84,000 | $96,000 |
| 9 | Ge Money Bank Salt Lake City, UT |
40 | $2,017,000 | $50,000 | $44,000 |
| 10 | Citimortgage, Inc New York, NY |
32 | $2,540,000 | $79,000 | $43,000 |
The tables below break down 2005 mortgage applications in Johnson 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 Johnson County, AR in 2005
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 | 755 | $63,763,000 | $84,000 | $631,000 | $46,000 | $684,000 |
| Home Purchase | 654 | $46,733,000 | $71,000 | $280,000 | $35,000 | $396,000 |
| Home Improvement | 123 | $4,275,000 | $34,000 | $370,000 | $42,000 | $240,000 |
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 | 987 | $72,479,000 | $73,000 | $631,000 | $46,000 | $684,000 |
| Not applicable | 287 | $23,038,000 | $80,000 | $442,000 | $7,000 | $207,000 |
| Not Provided | 167 | $13,674,000 | $81,000 | $390,000 | $47,000 | $614,000 |
| Hispanic | 69 | $4,357,000 | $63,000 | $140,000 | $33,000 | $126,000 |
| American Indian or Alaskan Native | 10 | $517,000 | $51,000 | $90,000 | $31,000 | $52,000 |
| Black or African American | 6 | $292,000 | $48,000 | $64,000 | $26,000 | $52,000 |
| Asian | 5 | $384,000 | $76,000 | $96,000 | $70,000 | $150,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $30,000 | $30,000 | $30,000 | $30,000 | $30,000 |
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) | 1,247 | $93,484,000 | $74,000 | $631,000 | $45,000 | $684,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 166 | $12,290,000 | $74,000 | $138,000 | $20,000 | $70,000 |
| FHA-insured (Federal Housing Administration) | 95 | $6,988,000 | $73,000 | $162,000 | $28,000 | $109,000 |
| VA-guaranteed (Veterans Administration) | 24 | $2,009,000 | $83,000 | $153,000 | $21,000 | $64,000 |
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 | 642 | $44,825,000 | $69,000 | $631,000 | $44,000 | $675,000 |
| Loan Purchased By The Institution | 358 | $29,278,000 | $81,000 | $442,000 | $19,000 | $207,000 |
| Application Denied By Financial Institution | 274 | $17,278,000 | $63,000 | $350,000 | $42,000 | $684,000 |
| Application Withdrawn By Applicant | 139 | $13,837,000 | $99,000 | $373,000 | $47,000 | $600,000 |
| Application Approved But Not Accepted | 84 | $6,546,000 | $77,000 | $296,000 | $61,000 | $301,000 |
| File Closed For Incompleteness | 32 | $2,878,000 | $89,000 | $390,000 | $48,000 | $182,000 |
| Preapproval Denied by Financial Institution | 3 | $129,000 | $43,000 | $45,000 | $25,000 | $43,000 |
| Preapproval Approved but not Accepted | 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 | 65 | $3,531,000 | $54,000 | $272,000 | $35,000 | $89,000 |
| Other | 54 | $4,013,000 | $74,000 | $350,000 | $51,000 | $614,000 |
| Credit Application Incomplete | 26 | $2,129,000 | $81,000 | $152,000 | $45,000 | $144,000 |
| Debt-To-Income Ratio | 22 | $1,398,000 | $63,000 | $143,000 | $34,000 | $129,000 |
| Collateral | 15 | $1,374,000 | $91,000 | $336,000 | $73,000 | $684,000 |
| Unverifiable Information | 8 | $545,000 | $68,000 | $83,000 | $38,000 | $54,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 7 | $350,000 | $50,000 | $63,000 | $22,000 | $34,000 |
| Employment History | 3 | $190,000 | $63,000 | $125,000 | $33,000 | $83,000 |
| Mortgage Insurance Denied | 1 | $41,000 | $41,000 | $41,000 | $19,000 | $19,000 |
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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