Lafayette County, AR Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 172 mortgage applications in Lafayette County, AR totaling $19.6 million, down 13% from 2022. The average application was for $114,000, and applicants reported an average income of $77,000. 30% of applications resulted in an originated loan and 40% were denied. The most active lender was 21st Mortgage, with 33 applications, followed by Triad Financial Services, Inc. and Vanderbilt Mortgage and Finance, Inc.
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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 | 172 |
| Total Mortgage Loan Application Amount | $19,630,000 |
| Average Mortgage Loan Application Amount | $114,000 |
| Highest Mortgage Loan Application Amount | $345,000 |
| Average Applicant Income | $77,000 |
| Highest Applicant Income | $600,000 |
| 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 | 33 | $ 3,755,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 17 | $ 1,975,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 16 | $ 1,510,000 |
| Farmers Bank & Trust 200 E MAIN ST MAGNOLIA, AR 71753 |
* | $ 2,502,223,000 | 11 | $ 755,000 |
| Cadence Bank P O BOX 789 TUPELO, MS 38804 |
* | $ 48,668,073,000 | 10 | $ 800,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,601,623,000 | 6 | $ 680,000 |
| Farm Credit Services of Western Arkansas 3115 WEST SECOND COURT RUSSELLVILLE, AR 72802 |
* | $ -1,000 | 6 | $ 740,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 5 | $ 715,000 |
| Bodcaw Bank 307 THOMAS ST STAMPS, AR 71860 |
* | $ 221,352,000 | 5 | $ 195,000 |
| Arkansas Federal Credit Union 17500 CANTRELL LITTLE ROCK, AR 72223 |
* | $ 2,199,145,000 | 4 | $ 480,000 |
| Cis Financial Services, Inc. 851 MILITARY STREET N HAMILTON, AL 35570 |
* | $ -1,000 | 4 | $ 600,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 4 | $ 470,000 |
| United Community Bank PO BOX 398 GREENVILLE, SC 29601 |
* | $ 23,954,627,000 | 3 | $ 375,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 154,203,000,000 | 3 | $ 175,000 |
| United Built Homes, LLC 8500 LINE AVE SHREVEPORT, LA 71106 |
* | $ -1,000 | 2 | $ 650,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ -1,000 | 2 | $ 110,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 2 | $ 250,000 |
| The First National Bank of Tom Bean 109 S. BRITTON TOM BEAN, TX 75489 |
* | $ 120,587,000 | 2 | $ 260,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ -1,000 | 2 | $ 310,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 2 | $ 330,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 2 | $ 290,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 129,461,046,000 | 2 | $ 160,000 |
| Red River Employees Federal Credit Union 4405 SUMMERHILL ROAD TEXARKANA, TX 75503 |
* | $ 1,318,249,000 | 2 | $ 160,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 6,722,761,000 | 2 | $ 370,000 |
| Member Advantage Mortgage 3330 BROADMOOR SE, SUITE B GRAND RAPIDS, MI 49512 |
* | $ -1,000 | 1 | $ 75,000 |
| Firsttrust Home Loans 906 SOUTH ROCK ST. SHERIDAN, AR 72150 |
* | $ -1,000 | 1 | $ 95,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ -1,000 | 1 | $ 195,000 |
| B1bank 500 LAUREL STREET, SUITE 100 BATON ROUGE, LA 70801 |
* | $ 5,999,106,000 | 1 | $ 145,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 165,000 |
| Fed Ex Employees Credit Association 2731 NONCONNAH BLVD MEMPHIS, TN 38132 |
* | $ 684,833,000 | 1 | $ 35,000 |
| Assurance Financial Group, L.L.C. 9029 JEFFERSON HIGHWAY SUITE 100 BATON ROUGE, LA 70809 |
* | $ -1,000 | 1 | $ 135,000 |
| Mortgage Financial Services 10922 COURSEY BLVD. BLDG. B BATON ROUGE, LA 70816 |
* | $ -1,000 | 1 | $ 135,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 1 | $ 155,000 |
| SWBC Mortgage Corporation 9311 SAN PEDRO AVENUE STE 100 SAN ANTONIO, TX 78216 |
* | $ -1,000 | 1 | $ 185,000 |
| Barksdale Federal Credit Union 2701 VILLAGE LN BOSSIER CITY, LA 71112 |
* | $ 2,172,727,000 | 1 | $ 75,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 379,838,000 | 1 | $ 25,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 1 | $ 325,000 |
| Gershman Investment Corp. 16253 SWINGLEY RIDGE ROAD, SUITE 400 CHESTERFIELD, MO 63017 |
* | $ -1,000 | 1 | $ 45,000 |
| Peoples Bank 138 PUTNAM STREET MARIETTA, OH 45750 |
* | $ 7,197,574,000 | 1 | $ 235,000 |
| Red River Bank 1412 CENTRE COURT DRIVE ALEXANDRIA, LA 71301 |
* | $ 3,082,034,000 | 1 | $ 265,000 |
| Csl Financial, LLC 500 OFFICE PARK DRIVE SUITE 310 BIRMINGHAM, AL 35223 |
* | $ -1,000 | 1 | $ 135,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,717,531,000,000 | 1 | $ 85,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 165,000 |
The tables below break down 2023 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 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 | 126 | $14,930,000 | $118,000 | $345,000 | $75,000 | $419,000 |
| Cash-out Refinancing | 21 | $3,005,000 | $143,000 | $325,000 | $62,000 | $122,000 |
| Refinancing | 12 | $1,060,000 | $88,000 | $205,000 | $73,000 | $139,000 |
| Other Purpose | 10 | $470,000 | $47,000 | $95,000 | $127,000 | $600,000 |
| Home Improvement | 3 | $165,000 | $55,000 | $105,000 | $59,000 | $90,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $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 | 98 | $11,930,000 | $121,000 | $345,000 | $86,000 | $419,000 |
| Black or African American | 52 | $5,020,000 | $96,000 | $245,000 | $67,000 | $600,000 |
| Not Provided | 12 | $1,340,000 | $111,000 | $265,000 | $49,000 | $115,000 |
| Not applicable | 6 | $940,000 | $156,000 | $245,000 | $0 | $0 |
| Hispanic | 3 | $365,000 | $121,000 | $235,000 | $91,000 | $113,000 |
| Asian | 1 | $35,000 | $35,000 | $35,000 | $16,000 | $16,000 |
| American Indian or Alaskan Native | 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) | 144 | $15,540,000 | $107,000 | $345,000 | $78,000 | $600,000 |
| FHA-insured (Federal Housing Administration) | 18 | $2,480,000 | $137,000 | $245,000 | $57,000 | $95,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $425,000 | $85,000 | $155,000 | $54,000 | $72,000 |
| VA-guaranteed (Veterans Administration) | 5 | $1,185,000 | $237,000 | $325,000 | $94,000 | $122,000 |
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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 68 | $7,530,000 | $110,000 | $305,000 | $69,000 | $600,000 |
| Loan Originated | 51 | $5,635,000 | $110,000 | $345,000 | $86,000 | $419,000 |
| File Closed For Incompleteness | 20 | $2,100,000 | $105,000 | $325,000 | $68,000 | $242,000 |
| Application Withdrawn By Applicant | 19 | $2,435,000 | $128,000 | $265,000 | $82,000 | $230,000 |
| Application Approved But Not Accepted | 8 | $990,000 | $123,000 | $195,000 | $85,000 | $209,000 |
| Loan Purchased By The Institution | 6 | $940,000 | $156,000 | $245,000 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 100 | $11,920,000 | $119,000 | $345,000 | $83,000 | $419,000 |
| Credit History | 38 | $3,830,000 | $100,000 | $205,000 | $75,000 | $600,000 |
| Debt-To-Income Ratio | 20 | $2,160,000 | $108,000 | $305,000 | $40,000 | $76,000 |
| Credit Application Incomplete | 6 | $770,000 | $128,000 | $185,000 | $68,000 | $82,000 |
| Collateral | 2 | $90,000 | $45,000 | $65,000 | $44,000 | $72,000 |
| Other | 2 | $230,000 | $115,000 | $165,000 | $117,000 | $125,000 |
| Unverifiable Information | 2 | $210,000 | $105,000 | $125,000 | $59,000 | $65,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $420,000 | $210,000 | $245,000 | $201,000 | $236,000 |
| Mortgage Insurance Denied | 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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