Delta Trust & Bank Mortgage Lending & HMDA Data, 2010
In 2010, Delta Trust & Bank of Parkdale, AR reported 142 mortgage applications totaling $21.0 million, down 1% from 2009. The average application was for $148,154, and applicants reported an average income of $97,239. 82% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Little Rock-North Little Rock-Conway, AR (53), Fayetteville-Springdale-Rogers, AR-MO (24) 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 | 142 |
| Total Mortgage Loan Application Amount | $21,038,000 |
| Average Mortgage Loan Application Amount | $148,154 |
| Highest Mortgage Loan Application Amount | $2,000,000 |
| Average Applicant Income | $97,239 |
| Highest Applicant Income | $938,000 |
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Act (HMDA) records Delta Trust & Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2010
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 | 64 | $12,960,000 | $202,000 | $2,000,000 | $104,000 | $741,000 |
| Refinancing | 48 | $6,734,000 | $140,000 | $1,000,000 | $99,000 | $938,000 |
| Home Improvement | 30 | $1,344,000 | $44,000 | $450,000 | $80,000 | $331,000 |
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 | 91 | $12,762,000 | $140,000 | $1,441,000 | $124,000 | $741,000 |
| Black or African American | 26 | $1,372,000 | $52,000 | $885,000 | $73,000 | $938,000 |
| Not applicable | 20 | $6,705,000 | $335,000 | $2,000,000 | $20,000 | $207,000 |
| Hispanic | 4 | $173,000 | $43,000 | $79,000 | $62,000 | $110,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $26,000 | $26,000 | $26,000 | $19,000 | $19,000 |
| 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) | 142 | $21,038,000 | $148,000 | $2,000,000 | $98,000 | $938,000 |
| 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 | 116 | $20,000,000 | $172,000 | $2,000,000 | $110,000 | $938,000 |
| Application Denied By Financial Institution | 17 | $526,000 | $30,000 | $176,000 | $37,000 | $77,000 |
| Application Withdrawn By Applicant | 9 | $512,000 | $56,000 | $221,000 | $54,000 | $105,000 |
| 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 2010 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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