Lafayette County, AR Mortgage Lenders & HMDA Data, 2020
In 2020, lenders reported 196 mortgage applications in Lafayette County, AR totaling $18.0 million, up 22% from 2019. The average application was for $91,000, and applicants reported an average income of $97,000. 35% of applications resulted in an originated loan and 39% were denied. The most active lender was 21st Mortgage, with 39 applications, followed by Vanderbilt Mortgage and Finance, Inc and The First National Bank of Tom Bean.
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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 | 196 |
| Total Mortgage Loan Application Amount | $17,990,000 |
| Average Mortgage Loan Application Amount | $91,000 |
| Highest Mortgage Loan Application Amount | $925,000 |
| Average Applicant Income | $97,000 |
| Highest Applicant Income | $7,302,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 39 | $ 2,505,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 17 | $ 1,155,000 |
| The First National Bank of Tom Bean 109 S. BRITTON TOM BEAN, TX 75489 |
* | $ 120,021,000 | 17 | $ 1,185,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 14 | $ 940,000 |
| Cadence Bank P O BOX 789 TUPELO, MS 38804 |
* | $ 21,061,188,000 | 12 | $ 640,000 |
| Farmers Bank & Trust 200 E MAIN ST MAGNOLIA, AR 71753 |
* | $ 1,724,820,000 | 10 | $ 600,000 |
| Reliant Bank 1736 CAROTHERS PARKWAY BRENTWOOD, TN 37027 |
* | $ 1,897,550,000 | 8 | $ 570,000 |
| Firsttrust Home Loans 906 SOUTH ROCK ST. SHERIDAN, AR 72150 |
* | $ -1,000 | 6 | $ 860,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 5 | $ 795,000 |
| Red River Employees Federal Credit Union 4405 SUMMERHILL ROAD TEXARKANA, TX 75503 |
* | $ 1,005,002,000 | 5 | $ 275,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ -1,000 | 5 | $ 485,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 4 | $ 360,000 |
| Farm Credit Services of Western Arkansas 3115 WEST SECOND COURT RUSSELLVILLE, AR 72802 |
* | $ -1,000 | 3 | $ 315,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 3 | $ 245,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,210,474,000 | 3 | $ 205,000 |
| Goldwater Bank, N.A. 2525 EAST CAMELBACK ROAD SUITE 1100 PHOENIX, AZ 85016 |
* | $ 187,526,000 | 3 | $ 275,000 |
| Bonvenu Bank, NA 2711 E. TEXAS STREET BOSSIER CITY, LA 71111 |
* | $ 1,041,866,000 | 2 | $ 1,850,000 |
| Gateway First Bank 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 1,498,327,000 | 2 | $ 400,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 125,641,000,000 | 2 | $ 60,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ -1,000 | 2 | $ 140,000 |
| Weststar Mortgage Corporation 6363 NORTH STATE HIGHWAY 161 ALBUQUERQUE, NM 87113 |
* | $ -1,000 | 2 | $ 190,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 2 | $ 400,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,712,919,000,000 | 2 | $ 150,000 |
| United Built Homes, LLC 8500 LINE AVE SHREVEPORT, LA 71106 |
* | $ -1,000 | 2 | $ 400,000 |
| Texar Federal Credit Union 2301 RICHMOND RD TEXARKANA, TX 75503 |
* | $ 345,713,000 | 1 | $ 85,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 2,445,435,000 | 1 | $ 215,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 22,986,309,000 | 1 | $ 65,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 1 | $ 265,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 115,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 75,000 |
| Diamond Bank PO BOX 10 GLENWOOD, AR 71943 |
* | $ 642,288,000 | 1 | $ 105,000 |
| State Bank of De Kalb 102 S RUNNELS DE KALB, TX 75559 |
* | $ 266,343,000 | 1 | $ 245,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,852,983,000,000 | 1 | $ 105,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 1 | $ 75,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 1 | $ 215,000 |
| Member Advantage Mortgage 3330 BROADMOOR SE, SUITE B GRAND RAPIDS, MI 49512 |
* | $ -1,000 | 1 | $ 115,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 1 | $ 85,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 486,004,220,000 | 1 | $ 125,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ 313,272,000 | 1 | $ 135,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 112,384,202,000 | 1 | $ 85,000 |
The tables below break down 2020 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 2020
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 | 129 | $10,435,000 | $80,000 | $925,000 | $54,000 | $175,000 |
| Refinancing | 39 | $5,015,000 | $128,000 | $925,000 | $292,000 | $7,302,000 |
| Cash-out Refinancing | 21 | $2,255,000 | $107,000 | $365,000 | $70,000 | $188,000 |
| Home Improvement | 3 | $155,000 | $51,000 | $85,000 | $26,000 | $34,000 |
| Other Purpose | 3 | $65,000 | $21,000 | $45,000 | $38,000 | $64,000 |
| Not Applicable | 1 | $65,000 | $65,000 | $65,000 | $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 | 113 | $11,635,000 | $102,000 | $925,000 | $131,000 | $7,302,000 |
| Black or African American | 63 | $3,765,000 | $59,000 | $125,000 | $45,000 | $175,000 |
| Not applicable | 8 | $1,530,000 | $191,000 | $925,000 | $62,000 | $102,000 |
| Not Provided | 8 | $670,000 | $83,000 | $125,000 | $43,000 | $76,000 |
| American Indian or Alaskan Native | 3 | $255,000 | $85,000 | $115,000 | $49,000 | $63,000 |
| Hispanic | 1 | $135,000 | $135,000 | $135,000 | $59,000 | $59,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 169 | $14,745,000 | $87,000 | $925,000 | $102,000 | $7,302,000 |
| FHA-insured (Federal Housing Administration) | 14 | $1,560,000 | $111,000 | $265,000 | $45,000 | $79,000 |
| VA-guaranteed (Veterans Administration) | 11 | $1,475,000 | $134,000 | $335,000 | $34,000 | $109,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $210,000 | $105,000 | $115,000 | $0 | $0 |
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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 77 | $5,715,000 | $74,000 | $265,000 | $46,000 | $138,000 |
| Loan Originated | 68 | $6,580,000 | $96,000 | $925,000 | $63,000 | $175,000 |
| File Closed For Incompleteness | 19 | $1,615,000 | $85,000 | $215,000 | $71,000 | $188,000 |
| Application Withdrawn By Applicant | 13 | $1,405,000 | $108,000 | $365,000 | $53,000 | $138,000 |
| Loan Purchased By The Institution | 11 | $1,125,000 | $102,000 | $245,000 | $61,000 | $147,000 |
| Application Approved But Not Accepted | 7 | $1,485,000 | $212,000 | $925,000 | $1,260,000 | $7,302,000 |
| Preapproval Denied by Financial Institution | 1 | $65,000 | $65,000 | $65,000 | $61,000 | $61,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 112 | $11,810,000 | $105,000 | $925,000 | $135,000 | $7,302,000 |
| Credit History | 38 | $2,860,000 | $75,000 | $265,000 | $50,000 | $135,000 |
| Debt-To-Income Ratio | 28 | $1,880,000 | $67,000 | $145,000 | $39,000 | $159,000 |
| Collateral | 5 | $435,000 | $87,000 | $135,000 | $51,000 | $102,000 |
| Unverifiable Information | 4 | $370,000 | $92,000 | $135,000 | $72,000 | $138,000 |
| Credit Application Incomplete | 3 | $185,000 | $61,000 | $75,000 | $4,000 | $4,000 |
| Other | 3 | $265,000 | $88,000 | $115,000 | $75,000 | $118,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $120,000 | $60,000 | $65,000 | $45,000 | $51,000 |
| Employment History | 1 | $65,000 | $65,000 | $65,000 | $73,000 | $73,000 |
| 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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