Johnson County, AR Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 793 mortgage applications in Johnson County, AR totaling $107.2 million, down 28% from 2022. The average application was for $135,000, and applicants reported an average income of $79,000. 51% of applications resulted in an originated loan and 20% were denied. The most active lender was Arvest Bank, with 171 applications, followed by First Security Bank and Regions 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 | 793 |
| Total Mortgage Loan Application Amount | $107,225,000 |
| Average Mortgage Loan Application Amount | $135,000 |
| Highest Mortgage Loan Application Amount | $1,195,000 |
| Average Applicant Income | $79,000 |
| Highest Applicant Income | $900,000 |
Top Mortgage Lenders in Johnson County, AR (2023)
Ranked by the number of mortgage applications each lender reported in Johnson County, AR in 2023.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | Arvest Bank Tulsa, OK |
171 | $18,725,000 | $109,000 | $75,000 |
| 2 | First Security Bank Searcy, AR |
54 | $5,400,000 | $100,000 | $77,000 |
| 3 | Regions Bank Birmingham, AL |
47 | $4,175,000 | $88,000 | $58,000 |
| 4 | 21st Mortgage Knoxville, TN |
37 | $3,705,000 | $100,000 | $63,000 |
| 5 | Stockton Mortgage Corporation Frankfort, KY |
21 | $2,475,000 | $117,000 | $54,000 |
| 6 | PennyMac Loan Services LLC Westlake Village, CA |
20 | $3,290,000 | $164,000 | $109,000 |
| 7 | Bank Ozk Little Rock, AR |
17 | $745,000 | $43,000 | $41,000 |
| 8 | Triad Financial Services, Inc. Jacksonville, FL |
17 | $2,135,000 | $125,000 | $69,000 |
| 9 | Vanderbilt Mortgage and Finance, Inc Maryville, TN |
17 | $1,945,000 | $114,000 | $71,000 |
| 10 | First National Bank at Paris Paris, AR |
16 | $3,050,000 | $190,000 | $121,000 |
The tables below break down 2023 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 2023
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 | 449 | $70,875,000 | $157,000 | $1,195,000 | $80,000 | $900,000 |
| Cash-out Refinancing | 103 | $17,425,000 | $169,000 | $575,000 | $73,000 | $214,000 |
| Other Purpose | 96 | $5,730,000 | $59,000 | $355,000 | $75,000 | $387,000 |
| Refinancing | 77 | $9,975,000 | $129,000 | $655,000 | $79,000 | $568,000 |
| Home Improvement | 67 | $3,125,000 | $46,000 | $265,000 | $87,000 | $864,000 |
| Not Applicable | 1 | $95,000 | $95,000 | $95,000 | $0 | $0 |
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 | 565 | $73,655,000 | $130,000 | $635,000 | $81,000 | $864,000 |
| Hispanic | 76 | $8,910,000 | $117,000 | $275,000 | $60,000 | $108,000 |
| Not applicable | 58 | $10,860,000 | $187,000 | $1,195,000 | $0 | $0 |
| Not Provided | 56 | $8,470,000 | $151,000 | $635,000 | $97,000 | $900,000 |
| Asian | 15 | $2,125,000 | $141,000 | $185,000 | $54,000 | $72,000 |
| American Indian or Alaskan Native | 10 | $1,510,000 | $151,000 | $385,000 | $67,000 | $125,000 |
| Black or African American | 9 | $1,225,000 | $136,000 | $225,000 | $50,000 | $79,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $330,000 | $165,000 | $195,000 | $80,000 | $101,000 |
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) | 524 | $60,250,000 | $114,000 | $1,195,000 | $85,000 | $900,000 |
| FHA-insured (Federal Housing Administration) | 119 | $18,485,000 | $155,000 | $385,000 | $67,000 | $234,000 |
| VA-guaranteed (Veterans Administration) | 77 | $18,615,000 | $241,000 | $635,000 | $81,000 | $214,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 73 | $9,875,000 | $135,000 | $275,000 | $50,000 | $120,000 |
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 | 404 | $56,280,000 | $139,000 | $1,195,000 | $82,000 | $568,000 |
| Application Denied By Financial Institution | 159 | $17,115,000 | $107,000 | $575,000 | $61,000 | $299,000 |
| Application Withdrawn By Applicant | 112 | $16,190,000 | $144,000 | $635,000 | $91,000 | $900,000 |
| Loan Purchased By The Institution | 56 | $9,800,000 | $175,000 | $395,000 | $98,000 | $250,000 |
| File Closed For Incompleteness | 39 | $4,785,000 | $122,000 | $345,000 | $65,000 | $201,000 |
| Application Approved But Not Accepted | 22 | $2,870,000 | $130,000 | $395,000 | $100,000 | $441,000 |
| Preapproval Approved but not Accepted | 1 | $185,000 | $185,000 | $185,000 | $60,000 | $60,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 627 | $88,885,000 | $141,000 | $1,195,000 | $83,000 | $900,000 |
| Credit History | 66 | $6,260,000 | $94,000 | $355,000 | $54,000 | $150,000 |
| Debt-To-Income Ratio | 58 | $6,500,000 | $112,000 | $565,000 | $63,000 | $331,000 |
| Collateral | 14 | $1,840,000 | $131,000 | $275,000 | $89,000 | $299,000 |
| Other | 9 | $1,505,000 | $167,000 | $575,000 | $69,000 | $214,000 |
| Unverifiable Information | 8 | $1,020,000 | $127,000 | $175,000 | $87,000 | $247,000 |
| Credit Application Incomplete | 4 | $590,000 | $147,000 | $285,000 | $109,000 | $172,000 |
| Employment History | 4 | $310,000 | $77,000 | $235,000 | $102,000 | $204,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $315,000 | $105,000 | $135,000 | $58,000 | $68,000 |
| 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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