Delta Trust & Bank Mortgage Lending & HMDA Data, 2004
In 2004, Delta Trust & Bank of Parkdale, AR reported 177 mortgage applications totaling $11.3 million, up 30% from 2003. The average application was for $63,706, and applicants reported an average income of $44,875. 79% of its applications resulted in an originated loan and 19% were denied. Its largest markets were Little Rock-North Little Rock, AR (33), Fayetteville-Springdale-Rogers, AR-MO (20) and Pine Bluff, AR (3) (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 | 177 |
| Total Mortgage Loan Application Amount | $11,276,000 |
| Average Mortgage Loan Application Amount | $63,706 |
| Highest Mortgage Loan Application Amount | $950,000 |
| Average Applicant Income | $44,875 |
| Highest Applicant Income | $469,000 |
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Act (HMDA) records Delta Trust & Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Delta Trust & Bank in 2004
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 | 87 | $7,308,000 | $58,500 | $770,000 | $46,250 | $469,000 |
| Refinancing | 63 | $3,315,000 | $41,666 | $950,000 | $44,333 | $200,000 |
| Home Improvement | 27 | $653,000 | $24,000 | $80,000 | $40,000 | $93,000 |
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 | 107 | $5,281,000 | $48,250 | $436,000 | $47,500 | $469,000 |
| Black or African American | 39 | $1,117,000 | $28,000 | $175,000 | $32,000 | $90,000 |
| Not applicable | 18 | $4,373,000 | $242,000 | $950,000 | $13,000 | $132,000 |
| Hispanic | 10 | $217,000 | $21,000 | $70,000 | $41,000 | $100,000 |
| Not Provided | 3 | $288,000 | $96,000 | $229,000 | $68,000 | $84,000 |
| 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 |
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) | 177 | $11,276,000 | $52,000 | $950,000 | $43,250 | $469,000 |
| 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 | 140 | $10,049,000 | $54,250 | $950,000 | $45,750 | $469,000 |
| Application Denied By Financial Institution | 34 | $1,069,000 | $31,500 | $229,000 | $38,000 | $200,000 |
| Application Withdrawn By Applicant | 2 | $71,000 | $35,000 | $55,000 | $29,000 | $42,000 |
| Loan Purchased By The Institution | 1 | $87,000 | $87,000 | $87,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application 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 |
|---|---|---|---|---|---|---|
| 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 2004 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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