Lafayette County, AR Mortgage Lenders & HMDA Data, 2009
In 2009, lenders reported 170 mortgage applications in Lafayette County, AR totaling $11.7 million, down 14% from 2008. The average application was for $68,000, and applicants reported an average income of $55,000. 57% of applications resulted in an originated loan and 25% were denied. The most active lender was 1st Bank, N.A., with 31 applications, followed by Bancorpsouth Bank and Farmers Bank & Trust.
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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 | 170 |
| Total Mortgage Loan Application Amount | $11,698,000 |
| Average Mortgage Loan Application Amount | $68,000 |
| Highest Mortgage Loan Application Amount | $1,170,000 |
| Average Applicant Income | $55,000 |
| Highest Applicant Income | $372,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| 1st Bank, N.A. PO BOX 520 HOPE, AR 71801 |
* | $ 208,159,000 | 31 | $ 932,000 |
| Bancorpsouth Bank P O BOX 789 TUPELO, MS 38802 |
* | $ 13,488,870,000 | 29 | $ 995,000 |
| Farmers Bank & Trust 200 E MAIN ST MAGNOLIA, AR 71753 |
* | $ 622,432,000 | 21 | $ 883,000 |
| Summit Bank 409 MAIN STREET ARKADELPHIA, AR 71923 |
* | $ 992,007,000 | 8 | $ 549,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 8 | $ 773,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 538,958,000,000 | 6 | $ 299,000 |
| Regions Bank 1900 5TH AVENUE N - ALBH10903B BIRMINGHAM, AL 35203 |
* | $ 142,084,005,000 | 5 | $ 735,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,471,631,047,000 | 5 | $ 578,000 |
| Carter Federal Credit Union 100 W CHURCH ST SPRINGHILL, LA 71075 |
* | $ 138,611,000 | 5 | $ 301,000 |
| Fidelity Bank 100 E ENGLISH WICHITA, KS 67202 |
* | $ 1,853,520,000 | 4 | $ 258,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,746,242,000,000 | 4 | $ 475,000 |
| Capital One NA 11130 INDUSTRIALPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 115,142,306,000 | 3 | $ 28,000 |
| Guaranty Bond Bank 100 W ARKANSAS MOUNT PLEASANT, TX 75455 |
* | $ 706,628,000 | 3 | $ 176,000 |
| Colonial Savings, F. A. P. O. BOX 2988 FORT WORTH, TX 76113 |
* | $ 941,902,000 | 3 | $ 215,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 32,882,574,000 | 3 | $ 377,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 3 | $ 439,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 3 | $ 374,000 |
| Red River Employees Federal Credit Union 4405 SUMMERHILL ROAD TEXARKANA, TX 75503 |
* | $ 363,517,000 | 2 | $ 119,000 |
| Security Atlantic Wholesale 499 THORNALL ST, SUITE 220 EDISON, NJ 08837 |
* | $ 10,000,000 | 2 | $ 326,000 |
| Citizens Bank & Trust Co. PO BOX 760, 106 SOUTH MAIN STREET SPRINGHILL, LA 71075 |
* | $ 116,004,000 | 2 | $ 105,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 261,775,591,000 | 2 | $ 106,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,227,040,000,000 | 2 | $ 58,000 |
| The First National Bank of Tom Bean 109 S. BRITTON TOM BEAN, TX 75489 |
* | $ 39,344,000 | 2 | $ 148,000 |
| Eagle National Bank 8045 WEST CHESTER PIKE UPPER DARBY, PA 19082 |
* | $ 258,044,000 | 1 | $ 92,000 |
| Merrill Lynch Credit Corp 4500 PARK GRANADA CA7-910-01-24 CALABASAS, CA 91302 |
* | $ 2,223,299,000 | 1 | $ 74,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 1 | $ 85,000 |
| Wintrust Mortgage Corporation 660 MIDWEST RD SUITE 100 OAK BROOK TERRACE, IL 60181 |
* | $ 300,000,000 | 1 | $ 172,000 |
| Equifirst Corporation 13000 S TRYON ST, STE F, PMB 317 CHARLOTTE, NC 28278 |
* | $ 279,777,049,000 | 1 | $ 162,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 3,930,807,000 | 1 | $ 85,000 |
| First Financial Bank 214 N WASHINGTON STREET EL DORADO, AR 71730 |
* | $ 601,167,000 | 1 | $ 1,170,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,677,931,000 | 1 | $ 94,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 74,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 1 | $ 88,000 |
| United Built Homes, LLC 8500 LINE AVE SHREVEPORT, LA 71106 |
* | $ 59,713,000 | 1 | $ 72,000 |
| Taylor, Bean & Whitaker 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 1 | $ 38,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 117,978,966,000 | 1 | $ 133,000 |
The tables below break down 2009 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 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 | 104 | $8,003,000 | $76,000 | $1,170,000 | $53,000 | $372,000 |
| Home Purchase | 40 | $3,156,000 | $78,000 | $417,000 | $62,000 | $250,000 |
| Home Improvement | 26 | $539,000 | $20,000 | $91,000 | $51,000 | $150,000 |
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 | 120 | $9,220,000 | $76,000 | $1,170,000 | $60,000 | $372,000 |
| Black or African American | 32 | $1,058,000 | $33,000 | $142,000 | $39,000 | $108,000 |
| Not Provided | 12 | $1,101,000 | $91,000 | $201,000 | $60,000 | $193,000 |
| Not applicable | 5 | $308,000 | $61,000 | $88,000 | $13,000 | $65,000 |
| American Indian or Alaskan Native | 1 | $11,000 | $11,000 | $11,000 | $43,000 | $43,000 |
| Asian | 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) | 138 | $7,799,000 | $56,000 | $1,170,000 | $57,000 | $372,000 |
| FHA-insured (Federal Housing Administration) | 26 | $3,314,000 | $127,000 | $201,000 | $48,000 | $108,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $345,000 | $115,000 | $152,000 | $22,000 | $38,000 |
| VA-guaranteed (Veterans Administration) | 3 | $240,000 | $80,000 | $85,000 | $58,000 | $60,000 |
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 | 97 | $5,742,000 | $59,000 | $1,170,000 | $59,000 | $372,000 |
| Application Denied By Financial Institution | 42 | $2,602,000 | $61,000 | $201,000 | $41,000 | $119,000 |
| Loan Purchased By The Institution | 11 | $944,000 | $85,000 | $152,000 | $31,000 | $91,000 |
| Application Withdrawn By Applicant | 10 | $1,167,000 | $116,000 | $175,000 | $82,000 | $250,000 |
| File Closed For Incompleteness | 7 | $1,059,000 | $151,000 | $417,000 | $84,000 | $225,000 |
| Application Approved But Not Accepted | 3 | $184,000 | $61,000 | $121,000 | $60,000 | $85,000 |
| 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 | 20 | $818,000 | $40,000 | $196,000 | $46,000 | $97,000 |
| Debt-To-Income Ratio | 4 | $196,000 | $49,000 | $166,000 | $20,000 | $46,000 |
| Unverifiable Information | 3 | $215,000 | $71,000 | $85,000 | $61,000 | $119,000 |
| Collateral | 1 | $69,000 | $69,000 | $69,000 | $35,000 | $35,000 |
| Credit Application Incomplete | 1 | $5,000 | $5,000 | $5,000 | $45,000 | $45,000 |
| Employment History | 1 | $165,000 | $165,000 | $165,000 | $70,000 | $70,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $30,000 | $30,000 | $30,000 | $41,000 | $41,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 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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