Bear State Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2016
Bear State Bank 2016 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Bear State Bank 5315 Highland Drive Little Rock, AR 72223 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2017 2016 |
| Total Number of Mortgage Applications | 1,665 |
| Total Mortgage Loan Application Amount | $274,909,000 |
| Average Mortgage Loan Application Amount | $147,333 |
| Highest Mortgage Loan Application Amount | $8,250,000 |
| Average Applicant Income | $71,666 |
| Highest Applicant Income | $2,345,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2016 with Bear State Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Bear State Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2016 breaks down Bear State Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Bear State Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Bear State Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Bear State Bank's mortgage activity for 2016.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Benton County Arkansas | 428 | $ 85,290,000 | $ 199,000 | $ 97,000 |
| Washington County Arkansas | 117 | $ 20,299,000 | $ 173,000 | $ 69,000 |
| Greene County Missouri | 110 | $ 15,202,000 | $ 138,000 | $ 64,000 |
| Craighead County Arkansas | 99 | $ 22,465,000 | $ 226,000 | $ 57,000 |
| Webster County Missouri | 61 | $ 5,516,000 | $ 90,000 | $ 56,000 |
| Montgomery County Arkansas | 60 | $ 4,765,000 | $ 79,000 | $ 61,000 |
| Garland County Arkansas | 59 | $ 9,955,000 | $ 168,000 | $ 96,000 |
| Baxter County Arkansas | 54 | $ 5,795,000 | $ 107,000 | $ 61,000 |
| Polk County Arkansas | 47 | $ 5,722,000 | $ 121,000 | $ 63,000 |
| Boone County Arkansas | 46 | $ 4,374,000 | $ 95,000 | $ 35,000 |
| Faulkner County Arkansas | 45 | $ 11,610,000 | $ 258,000 | $ 60,000 |
| Pulaski County Arkansas | 43 | $ 10,316,000 | $ 239,000 | $ 146,000 |
| Christian County Missouri | 43 | $ 6,547,000 | $ 152,000 | $ 64,000 |
| Lonoke County Arkansas | 41 | $ 6,505,000 | $ 158,000 | $ 58,000 |
| Sevier County Arkansas | 33 | $ 2,442,000 | $ 74,000 | $ 42,000 |
| Pike County Arkansas | 32 | $ 2,569,000 | $ 80,000 | $ 61,000 |
| Stone County Missouri | 30 | $ 3,714,000 | $ 123,000 | $ 78,000 |
| Howard County Arkansas | 23 | $ 1,938,000 | $ 84,000 | $ 109,000 |
| Carroll County Arkansas | 22 | $ 3,104,000 | $ 141,000 | $ 66,000 |
| Marion County Arkansas | 21 | $ 2,200,000 | $ 104,000 | $ 69,000 |
| Saline County Arkansas | 16 | $ 2,650,000 | $ 165,000 | $ 120,000 |
| Mississippi County Arkansas | 14 | $ 958,000 | $ 68,000 | $ 37,000 |
| Barton County Missouri | 14 | $ 1,109,000 | $ 79,000 | $ 41,000 |
| Jasper County Missouri | 14 | $ 2,602,000 | $ 185,000 | $ 101,000 |
| Little River County Arkansas | 13 | $ 1,104,000 | $ 84,000 | $ 50,000 |
| Taney County Missouri | 13 | $ 2,460,000 | $ 189,000 | $ 67,000 |
| Scott County Arkansas | 12 | $ 1,067,000 | $ 88,000 | $ 27,000 |
| McCurtain County Oklahoma | 9 | $ 526,000 | $ 58,000 | $ 30,000 |
| Newton County Missouri | 8 | $ 819,000 | $ 102,000 | $ 129,000 |
| Clark County Arkansas | 7 | $ 293,000 | $ 41,000 | $ 59,000 |
| Miller County Arkansas | 7 | $ 926,000 | $ 132,000 | $ 72,000 |
| Newton County Arkansas | 7 | $ 692,000 | $ 98,000 | $ 46,000 |
| Poinsett County Arkansas | 6 | $ 551,000 | $ 91,000 | $ 50,000 |
| Lawrence County Missouri | 6 | $ 575,000 | $ 95,000 | $ 42,000 |
| Greene County Arkansas | 5 | $ 535,000 | $ 107,000 | $ 55,000 |
| Hot Spring County Arkansas | 4 | $ 681,000 | $ 170,000 | $ 113,000 |
| White County Arkansas | 4 | $ 654,000 | $ 163,000 | $ 68,000 |
| Dallas County Missouri | 4 | $ 319,000 | $ 79,000 | $ 80,000 |
| Laclede County Missouri | 4 | $ 518,000 | $ 129,000 | $ 62,000 |
| Bowie County Texas | 4 | $ 1,151,000 | $ 287,000 | $ 36,000 |
| Lawrence County Arkansas | 3 | $ 405,000 | $ 135,000 | $ 106,000 |
| Searcy County Arkansas | 3 | $ 653,000 | $ 217,000 | $ 132,000 |
| Douglas County Missouri | 3 | $ 290,000 | $ 96,000 | $ 146,000 |
| Ozark County Missouri | 3 | $ 326,000 | $ 108,000 | $ 0 |
| Montgomery County Alabama | 2 | $ 3,833,000 | $ 1,916,000 | $ 0 |
| Jefferson County Arkansas | 2 | $ 400,000 | $ 200,000 | $ 90,000 |
| Madison County Arkansas | 2 | $ 167,000 | $ 83,000 | $ 74,000 |
| Sebastian County Arkansas | 2 | $ 259,000 | $ 129,000 | $ 85,000 |
| St. Clair County Illinois | 2 | $ 453,000 | $ 226,000 | $ 54,000 |
| Crawford County Kansas | 2 | $ 145,000 | $ 72,000 | $ 0 |
| Johnson County Kansas | 2 | $ 634,000 | $ 317,000 | $ 197,000 |
| Barry County Missouri | 2 | $ 169,000 | $ 84,000 | $ 39,000 |
| Dade County Missouri | 2 | $ 349,000 | $ 174,000 | $ 67,000 |
| Vernon County Missouri | 2 | $ 224,000 | $ 112,000 | $ 63,000 |
| Marion County Oregon | 2 | $ 834,000 | $ 417,000 | $ 57,000 |
| McLennan County Texas | 2 | $ 304,000 | $ 152,000 | $ 169,000 |
| Tarrant County Texas | 2 | $ 518,000 | $ 259,000 | $ 131,000 |
| Baldwin County Alabama | 1 | $ 1,200,000 | $ 1,200,000 | $ 0 |
| Tuscaloosa County Alabama | 1 | $ 3,669,000 | $ 3,669,000 | $ 0 |
| Arkansas County Arkansas | 1 | $ 281,000 | $ 281,000 | $ 287,000 |
| Cleburne County Arkansas | 1 | $ 130,000 | $ 130,000 | $ 311,000 |
| Crawford County Arkansas | 1 | $ 137,000 | $ 137,000 | $ 92,000 |
| Cross County Arkansas | 1 | $ 68,000 | $ 68,000 | $ 31,000 |
| Franklin County Arkansas | 1 | $ 296,000 | $ 296,000 | $ 161,000 |
| Fulton County Arkansas | 1 | $ 172,000 | $ 172,000 | $ 43,000 |
| Grant County Arkansas | 1 | $ 178,000 | $ 178,000 | $ 944,000 |
| Hempstead County Arkansas | 1 | $ 42,000 | $ 42,000 | $ 30,000 |
| Randolph County Arkansas | 1 | $ 92,000 | $ 92,000 | $ 100,000 |
| Sharp County Arkansas | 1 | $ 54,000 | $ 54,000 | $ 25,000 |
| Stone County Arkansas | 1 | $ 97,000 | $ 97,000 | $ 102,000 |
| Union County Arkansas | 1 | $ 123,000 | $ 123,000 | $ 43,000 |
| Van Buren County Arkansas | 1 | $ 125,000 | $ 125,000 | $ 329,000 |
| Yell County Arkansas | 1 | $ 33,000 | $ 33,000 | $ 53,000 |
| Glenn County California | 1 | $ 125,000 | $ 125,000 | $ 189,000 |
| San Bernardino County California | 1 | $ 144,000 | $ 144,000 | $ 0 |
| Houston County Georgia | 1 | $ 360,000 | $ 360,000 | $ 105,000 |
| Monroe County Indiana | 1 | $ 237,000 | $ 237,000 | $ 405,000 |
| Neosho County Kansas | 1 | $ 1,900,000 | $ 1,900,000 | $ 1,551,000 |
| Riley County Kansas | 1 | $ 322,000 | $ 322,000 | $ 128,000 |
| Harrison County Mississippi | 1 | $ 262,000 | $ 262,000 | $ 0 |
| Rankin County Mississippi | 1 | $ 278,000 | $ 278,000 | $ 93,000 |
| Bollinger County Missouri | 1 | $ 80,000 | $ 80,000 | $ 207,000 |
| Camden County Missouri | 1 | $ 340,000 | $ 340,000 | $ 144,000 |
| Cedar County Missouri | 1 | $ 227,000 | $ 227,000 | $ 63,000 |
| Clay County Missouri | 1 | $ 149,000 | $ 149,000 | $ 59,000 |
| Dunklin County Missouri | 1 | $ 94,000 | $ 94,000 | $ 42,000 |
| Jackson County Missouri | 1 | $ 1,000,000 | $ 1,000,000 | $ 300,000 |
| Miller County Missouri | 1 | $ 118,000 | $ 118,000 | $ 42,000 |
| Polk County Missouri | 1 | $ 16,000 | $ 16,000 | $ 0 |
| Texas County Missouri | 1 | $ 127,000 | $ 127,000 | $ 86,000 |
| Bernalillo County New Mexico | 1 | $ 276,000 | $ 276,000 | $ 107,000 |
| Adair County Oklahoma | 1 | $ 90,000 | $ 90,000 | $ 86,000 |
| Canadian County Oklahoma | 1 | $ 160,000 | $ 160,000 | $ 0 |
| Delaware County Oklahoma | 1 | $ 233,000 | $ 233,000 | $ 141,000 |
| Pushmataha County Oklahoma | 1 | $ 87,000 | $ 87,000 | $ 50,000 |
| Rogers County Oklahoma | 1 | $ 140,000 | $ 140,000 | $ 69,000 |
| Collin County Texas | 1 | $ 328,000 | $ 328,000 | $ 191,000 |
| Kaufman County Texas | 1 | $ 378,000 | $ 378,000 | $ 0 |
| Val Verde County Texas | 1 | $ 260,000 | $ 260,000 | $ 89,000 |
Mortgage Loan Application Detail Totals for Bear State Bank in 2016
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 | 1,132 | $183,309,000 | $161,000 | $3,145,000 | $78,000 | $1,425,000 |
| Refinancing | 396 | $81,023,000 | $204,000 | $8,250,000 | $85,000 | $2,345,000 |
| Home Improvement | 137 | $10,577,000 | $77,000 | $455,000 | $52,000 | $877,000 |
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 | 1,338 | $203,864,000 | $152,000 | $1,900,000 | $84,000 | $2,345,000 |
| Hispanic | 96 | $10,193,000 | $106,000 | $350,000 | $40,000 | $172,000 |
| Not applicable | 75 | $32,185,000 | $429,000 | $8,250,000 | $2,000 | $108,000 |
| Not Provided | 70 | $13,832,000 | $197,000 | $1,781,000 | $81,000 | $358,000 |
| Asian | 43 | $8,056,000 | $187,000 | $370,000 | $91,000 | $215,000 |
| Black or African American | 24 | $4,832,000 | $201,000 | $510,000 | $85,000 | $525,000 |
| American Indian or Alaskan Native | 17 | $1,757,000 | $103,000 | $299,000 | $71,000 | $167,000 |
| Native Hawaiin or Other Pacific Islander | 2 | $190,000 | $95,000 | $134,000 | $22,000 | $44,000 |
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) | 1,249 | $210,229,000 | $168,000 | $8,250,000 | $84,000 | $2,345,000 |
| FHA-insured (Federal Housing Administration) | 237 | $35,499,000 | $149,000 | $278,000 | $60,000 | $174,000 |
| VA-guaranteed (Veterans Administration) | 106 | $19,921,000 | $187,000 | $413,000 | $62,000 | $184,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 73 | $9,260,000 | $126,000 | $350,000 | $43,000 | $94,000 |
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 | 1,459 | $252,593,000 | $173,000 | $8,250,000 | $86,000 | $2,345,000 |
| Application Denied By Financial Institution | 113 | $10,469,000 | $92,000 | $1,200,000 | $19,000 | $146,000 |
| Application Withdrawn By Applicant | 69 | $9,293,000 | $134,000 | $565,000 | $0 | $0 |
| Application Approved But Not Accepted | 18 | $2,048,000 | $113,000 | $340,000 | $66,000 | $144,000 |
| File Closed For Incompleteness | 6 | $506,000 | $84,000 | $190,000 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $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 |
|---|---|---|---|---|---|---|
| Credit History | 64 | $3,544,000 | $55,000 | $239,000 | $3,000 | $89,000 |
| Debt-To-Income Ratio | 30 | $4,163,000 | $138,000 | $853,000 | $62,000 | $146,000 |
| Collateral | 12 | $606,000 | $50,000 | $104,000 | $0 | $0 |
| Credit Application Incomplete | 2 | $599,000 | $299,000 | $417,000 | $0 | $0 |
| Unverifiable Information | 2 | $266,000 | $133,000 | $201,000 | $34,000 | $69,000 |
| Employment History | 2 | $91,000 | $45,000 | $46,000 | $0 | $0 |
| Other | 1 | $1,200,000 | $1,200,000 | $1,200,000 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Bear State Bank's 2016 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Bear State Bank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Arkansas, download the full spreadsheet
with aggregated HMDA statistics today.