Delta Trust & Bank Mortgage Lending & HMDA Data, 2013
In 2013, Delta Trust & Bank of Parkdale, AR reported 246 mortgage applications totaling $34.9 million, up 74% from 2012. The average application was for $141,833, and applicants reported an average income of $83,158. 82% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Little Rock-North Little Rock-Conway, AR (109), Fayetteville-Springdale-Rogers, AR-MO (73) and Hot Springs, AR (2) (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 | 246 |
| Total Mortgage Loan Application Amount | $34,891,000 |
| Average Mortgage Loan Application Amount | $141,833 |
| Highest Mortgage Loan Application Amount | $3,600,000 |
| Average Applicant Income | $83,158 |
| Highest Applicant Income | $1,958,000 |
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Act (HMDA) records Delta Trust & Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Little Rock-North Little Rock-Conway, AR | 109 | $ 17,430,000 | $ 159,908 | $ 118,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 73 | $ 12,796,000 | $ 175,287 | $ 22,000 |
| Hot Springs, AR | 2 | $ 585,000 | $ 292,500 | $ 30,000 |
| Denver-Aurora-Broomfield, CO | 1 | $ 400,000 | $ 400,000 | $ 160,000 |
| Las Vegas-Paradise, NV | 1 | $ 417,000 | $ 417,000 | $ 0 |
| Pine Bluff, AR | 1 | $ 110,000 | $ 110,000 | $ 1,958,000 |
Mortgage Loan Application Detail Totals for Delta Trust & Bank in 2013
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 | $19,508,000 | $187,000 | $3,600,000 | $52,000 | $1,135,000 |
| Home Purchase | 101 | $12,345,000 | $122,000 | $730,000 | $108,000 | $1,958,000 |
| Home Improvement | 41 | $3,038,000 | $74,000 | $550,000 | $101,000 | $600,000 |
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 | 116 | $15,210,000 | $131,000 | $854,000 | $167,000 | $1,958,000 |
| Not applicable | 105 | $18,224,000 | $173,000 | $3,600,000 | $0 | $0 |
| Black or African American | 21 | $589,000 | $28,000 | $349,000 | $40,000 | $123,000 |
| Hispanic | 2 | $448,000 | $224,000 | $428,000 | $37,000 | $50,000 |
| Asian | 1 | $20,000 | $20,000 | $20,000 | $111,000 | $111,000 |
| Not Provided | 1 | $400,000 | $400,000 | $400,000 | $160,000 | $160,000 |
| 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) | 246 | $34,891,000 | $141,000 | $3,600,000 | $83,000 | $1,958,000 |
| 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 | 202 | $32,557,000 | $161,000 | $3,600,000 | $91,000 | $1,958,000 |
| Application Denied By Financial Institution | 26 | $1,030,000 | $39,000 | $191,000 | $41,000 | $133,000 |
| Application Withdrawn By Applicant | 17 | $1,291,000 | $75,000 | $400,000 | $65,000 | $160,000 |
| Application Approved But Not Accepted | 1 | $13,000 | $13,000 | $13,000 | $9,000 | $9,000 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Credit History | 6 | $90,000 | $15,000 | $44,000 | $33,000 | $73,000 |
| Debt-To-Income Ratio | 2 | $100,000 | $50,000 | $80,000 | $25,000 | $26,000 |
| 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 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Delta Trust & Bank's 2013 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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