Delta Trust & Bank Mortgage Lending & HMDA Data, 2007
In 2007, Delta Trust & Bank of Parkdale, AR reported 126 mortgage applications totaling $5.5 million, up 3% from 2006. The average application was for $43,555, and applicants reported an average income of $65,095. 76% of its applications resulted in an originated loan and 19% were denied. Its largest markets were Little Rock-North Little Rock-Conway, AR (25), Fayetteville-Springdale-Rogers, AR-MO (11) and Jonesboro, AR (1) (applications in parentheses).
| Mortgage Company & Address | Delta Trust & Bank P.O. Box 37 Parkdale, AR 71661 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 126 |
| Total Mortgage Loan Application Amount | $5,488,000 |
| Average Mortgage Loan Application Amount | $43,555 |
| Highest Mortgage Loan Application Amount | $350,000 |
| Average Applicant Income | $65,095 |
| Highest Applicant Income | $532,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Delta Trust & Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Ashley, Arkansas | 65 | $ 2,217,000 | $ 34,107 | $ 59,000 |
| Pulaski, Arkansas | 22 | $ 2,064,000 | $ 93,818 | $ 109,000 |
| Chicot, Arkansas | 18 | $ 366,000 | $ 20,333 | $ 39,000 |
| Benton, Arkansas | 8 | $ 291,000 | $ 36,375 | $ 76,000 |
| Saline, Arkansas | 3 | $ 292,000 | $ 97,333 | $ 26,000 |
| Washington, Arkansas | 3 | $ 110,000 | $ 36,666 | $ 73,000 |
| Arkansas, Arkansas | 1 | $ 28,000 | $ 28,000 | $ 51,000 |
| Conway, Arkansas | 1 | $ 8,000 | $ 8,000 | $ 36,000 |
| Craighead, Arkansas | 1 | $ 8,000 | $ 8,000 | $ 119,000 |
| Desha, Arkansas | 1 | $ 30,000 | $ 30,000 | $ 70,000 |
| Drew, Arkansas | 1 | $ 54,000 | $ 54,000 | $ 30,000 |
| West Carroll, Louisiana | 1 | $ 4,000 | $ 4,000 | $ 67,000 |
| Newton, Missouri | 1 | $ 16,000 | $ 16,000 | $ 48,000 |
Mortgage Loan Application Detail Totals for Delta Trust & Bank in 2007
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 | 48 | $2,803,000 | $58,000 | $350,000 | $71,000 | $532,000 |
| Refinancing | 43 | $1,582,000 | $36,000 | $150,000 | $48,000 | $210,000 |
| Home Improvement | 35 | $1,103,000 | $31,000 | $117,000 | $78,000 | $384,000 |
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 | 83 | $3,939,000 | $47,000 | $350,000 | $82,000 | $532,000 |
| Black or African American | 28 | $694,000 | $24,000 | $150,000 | $39,000 | $106,000 |
| Not applicable | 8 | $680,000 | $85,000 | $208,000 | $0 | $0 |
| Hispanic | 7 | $175,000 | $25,000 | $44,000 | $50,000 | $67,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 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) | 126 | $5,488,000 | $43,000 | $350,000 | $65,000 | $532,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $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 |
|---|---|---|---|---|---|---|
| Loan Originated | 96 | $4,750,000 | $49,000 | $350,000 | $72,000 | $532,000 |
| Application Denied By Financial Institution | 24 | $516,000 | $21,000 | $60,000 | $39,000 | $98,000 |
| Application Withdrawn By Applicant | 6 | $222,000 | $37,000 | $75,000 | $60,000 | $120,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Delta Trust & Bank's 2007 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 Delta Trust & 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.
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