Lafayette County, AR Mortgage Lenders & HMDA Data, 2004
In 2004, lenders reported 227 mortgage applications in Lafayette County, AR totaling $11.2 million, down 13% from 2003. The average application was for $49,000, and applicants reported an average income of $41,000. 35% of applications resulted in an originated loan and 35% were denied. The most active lender was Bancorpsouth Bank, with 45 applications, followed by Vanderbilt Mortgage and Ameriquest Mortgage Company.
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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 | 227 |
| Total Mortgage Loan Application Amount | $11,210,000 |
| Average Mortgage Loan Application Amount | $49,000 |
| Highest Mortgage Loan Application Amount | $155,000 |
| Average Applicant Income | $41,000 |
| Highest Applicant Income | $300,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Bancorpsouth Bank P O BOX 789 TUPELO, MS 38802 |
* | $ 10,304,022,000 | 45 | $ 1,604,000 |
| Vanderbilt Mortgage 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 26 | $ 976,000 |
| Ameriquest Mortgage Company 1100 TOWN & COUNTRY ROAD ORANGE, CA 92868 |
* | $ 10,000,000 | 16 | $ 1,070,000 |
| Homeowners Loan Corporation 4501 CIRCLE 75 PARKWAY, SUITE D-4300 ATLANTA, GA 30339 |
* | $ 1,840,459,615,000 | 14 | $ 727,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 256,787,000,000 | 14 | $ 435,000 |
| Regions Bank 1900 5TH AVENUE N - ALBH10903B BIRMINGHAM, AL 35203 |
* | $ 45,247,734,000 | 9 | $ 479,000 |
| Summit Bank 409 MAIN STREET ARKADELPHIA, AR 71923 |
* | $ 579,551,000 | 9 | $ 412,000 |
| Chase Manhattan Bank USA, NA 200 WHITE CLAY CENTER DR NEWARK, DE 19711 |
* | $ 36,578,612,000 | 9 | $ 450,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 7 | $ 399,000 |
| American Business Financial 100 PENN SQUARE EAST PHILADELPHIA, PA 19107 |
* | $ 10,000,000 | 7 | $ 393,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 6 | $ 246,000 |
| Citizens Bank & Trust Co. PO BOX 760, 106 SOUTH MAIN STREET SPRINGHILL, LA 71075 |
* | $ 90,955,000 | 5 | $ 217,000 |
| First Greensboro Home Equity 1801 STANLEY RD, STE 400 GREENSBORO, NC 27407 |
* | $ 10,000,000 | 4 | $ 185,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 4 | $ 273,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 189,159,050,000 | 4 | $ 213,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 3 | $ 123,000 |
| Capital One NA 11130 INDUSTRIALPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 18,514,408,000 | 3 | $ 142,000 |
| Accredited Home Lenders, Inc 15253 AVENUE OF SCIENCE BLDG 1 SAN DIEGO, CA 92128 |
* | $ 10,000,000 | 3 | $ 154,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 2 | $ 206,000 |
| Carter Federal Credit Union 100 W CHURCH ST SPRINGHILL, LA 71075 |
* | $ 104,217,000 | 2 | $ 45,000 |
| Century Bank, N.A. 201 RICE ST NEW BOSTON, TX 75570 |
* | $ 510,870,000 | 2 | $ 171,000 |
| Chase Manhattan Mortgage Corp. 194 WOOD AVENUE SOUTH ISELIN, NJ 08830 |
* | $ 770,912,000 | 2 | $ 100,000 |
| Long Beach Mortgage Co. 227 EAST AVENUE ALBION, NY 14411 |
* | $ 10,000,000 | 2 | $ 109,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ 10,000,000 | 2 | $ 106,000 |
| National City Bank of Indiana 1900 EAST NINTH CLEVELAND, OH 44114 |
* | $ 42,548,912,000 | 2 | $ 182,000 |
| Origen Financial Services LLC 27777 FRANKLIN ROAD SUITE 1710 SOUTHFIELD, MI 48034 |
* | $ 10,000,000 | 2 | $ 135,000 |
| Weokie Federal Credit Union 8100 W RENO OKLAHOMA CITY, OK 73127 |
* | $ 393,814,000 | 1 | $ 20,000 |
| Wr Starkey Mortgage LLP 6101 WEST PLANO PARKWAY PLANO, TX 75093 |
* | $ 10,000,000 | 1 | $ 63,000 |
| Union Planters Bank P.O. BOX 10247 BIRMINGHAM, AL 35202 |
* | $ 31,657,778,000 | 1 | $ 153,000 |
| Mbna America Delaware, N.A. 200 N COLLEGE ST NC1-004-04-13 CHARLOTTE, NC 28255 |
* | $ 2,032,341,000 | 1 | $ 120,000 |
| Novastar Mortgage 2114 CENTRAL SUITE 600 KANSAS CITY, MO 64108 |
* | $ 10,000,000 | 1 | $ 130,000 |
| Option One Mortgage Corp 6501 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 58,000 |
| Citifinancial Mtg Co, Inc 4000 REGENT BLVD IRVING, TX 75063 |
* | $ 32,424,600,000 | 1 | $ 22,000 |
| First Home Mortgage, Inc. 2915 S. CARAWAY ROAD JONESBORO, AR 72401 |
* | $ 10,000,000 | 1 | $ 54,000 |
| Greenlight Financial Services 18200 VON KARMAN STE #300 IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 68,000 |
| H&R Block Mortgage Corporation 6501 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 58,000 |
| Indymac Bank, F.S.B. 888 EAST WALNUT ST PASADENA, CA 91101 |
* | $ 13,189,979,000 | 1 | $ 74,000 |
| Irwin Mortgage Corporation 10500 KINCAID DRIVE FISHERS, IN 47037 |
* | $ 4,655,913,000 | 1 | $ 110,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 617,888,534,000 | 1 | $ 58,000 |
| Colonial Savings, F. A. P. O. BOX 2988 FORT WORTH, TX 76113 |
* | $ 1,175,244,000 | 1 | $ 50,000 |
| Cumberland Bank 231 SOUTH ROYAL OAKS BOULEVARD FRANKLIN, TN 37064 |
* | $ 285,528,000 | 1 | $ 110,000 |
| Decision One Mortgage 6060 J.A. JONES DRIVE CHARLOTTE, NC 28287 |
* | $ 10,000,000 | 1 | $ 65,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 56,682,854,000 | 1 | $ 110,000 |
| Finance America, LLC 16802 ASTON ST. IRVINE, CA 92606 |
* | $ 10,000,000 | 1 | $ 155,000 |
| First Arkansas Mortgage Co P. O. BOX 6009 SHERWOOD, AR 72124 |
* | $ 30,000,000 | 1 | $ 55,000 |
| AMC Mortgage Services, Inc. 1100 TOWN & COUNTRY ROAD, SUITE 1100 IRVINE, CA 92868 |
* | $ 10,000,000 | 1 | $ 14,000 |
| Americas Moneyline 4880 COX ROAD GLEN ALLEN, VA 23060 |
* | $ 10,000,000 | 1 | $ 30,000 |
| Arvest Mortgage Company 931 W MONROE LOWELL, AR 72745 |
* | $ 6,975,891,000 | 1 | $ 44,000 |
| Associates Housing Finance 850 THIRD AVENUE, 12TH FLOOR NEW YORK, NY 10022 |
* | $ 1,097,190,000,000 | 1 | $ 37,000 |
The tables below break down 2004 mortgage applications in Lafayette 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 Lafayette County, AR in 2004
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 | 117 | $6,921,000 | $59,000 | $155,000 | $42,000 | $187,000 |
| Home Purchase | 96 | $3,963,000 | $41,000 | $136,000 | $38,000 | $200,000 |
| Home Improvement | 14 | $326,000 | $23,000 | $68,000 | $50,000 | $300,000 |
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 | 115 | $6,410,000 | $55,000 | $155,000 | $47,000 | $200,000 |
| Black or African American | 63 | $2,314,000 | $36,000 | $126,000 | $32,000 | $106,000 |
| Not Provided | 24 | $1,461,000 | $60,000 | $130,000 | $49,000 | $300,000 |
| Not applicable | 21 | $874,000 | $41,000 | $110,000 | $7,000 | $54,000 |
| Hispanic | 2 | $60,000 | $30,000 | $36,000 | $20,000 | $26,000 |
| American Indian or Alaskan Native | 1 | $67,000 | $67,000 | $67,000 | $48,000 | $48,000 |
| Asian | 1 | $24,000 | $24,000 | $24,000 | $26,000 | $26,000 |
| 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) | 218 | $10,653,000 | $48,000 | $155,000 | $42,000 | $300,000 |
| FHA-insured (Federal Housing Administration) | 6 | $350,000 | $58,000 | $115,000 | $32,000 | $36,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $110,000 | $55,000 | $55,000 | $12,000 | $24,000 |
| VA-guaranteed (Veterans Administration) | 1 | $97,000 | $97,000 | $97,000 | $46,000 | $46,000 |
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 | 80 | $3,497,000 | $43,000 | $153,000 | $45,000 | $187,000 |
| Application Denied By Financial Institution | 79 | $4,014,000 | $50,000 | $155,000 | $39,000 | $300,000 |
| Application Withdrawn By Applicant | 25 | $1,686,000 | $67,000 | $136,000 | $53,000 | $200,000 |
| Loan Purchased By The Institution | 23 | $894,000 | $38,000 | $110,000 | $14,000 | $54,000 |
| Application Approved But Not Accepted | 18 | $863,000 | $47,000 | $69,000 | $33,000 | $63,000 |
| File Closed For Incompleteness | 2 | $256,000 | $128,000 | $130,000 | $86,000 | $100,000 |
| 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 | 32 | $1,283,000 | $40,000 | $115,000 | $33,000 | $63,000 |
| Other | 17 | $759,000 | $44,000 | $67,000 | $51,000 | $300,000 |
| Debt-To-Income Ratio | 7 | $460,000 | $65,000 | $120,000 | $29,000 | $54,000 |
| Collateral | 5 | $333,000 | $66,000 | $110,000 | $39,000 | $52,000 |
| Credit Application Incomplete | 3 | $163,000 | $54,000 | $75,000 | $50,000 | $64,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $64,000 | $64,000 | $64,000 | $26,000 | $26,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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