Farmers Bank & Trust Mortgage Lending & HMDA Data, 2025
In 2025, Farmers Bank & Trust of Magnolia, AR reported 496 mortgage applications totaling $117.1 million, down 6% from 2024. The average application was for $236,048, and applicants reported an average income of $170,725. 86% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Texarkana, TX-AR (96), Dallas-Plano-Irving, TX (29) and Little Rock-North Little Rock-Conway, AR (12) (applications in parentheses).
| Mortgage Company & Address | Farmers Bank & Trust 200 E Main St Magnolia, AR 71753 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 |
| Total Number of Mortgage Applications | 496 |
| Total Mortgage Loan Application Amount | $117,080,000 |
| Average Mortgage Loan Application Amount | $236,048 |
| Highest Mortgage Loan Application Amount | $3,785,000 |
| Average Applicant Income | $170,725 |
| Highest Applicant Income | $6,300,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Farmers Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Columbia, Arkansas | 77 | $ 11,295,000 | $ 146,688 | $ 107,000 |
| Bowie, Texas | 68 | $ 17,440,000 | $ 256,470 | $ 298,000 |
| Lamar, Texas | 52 | $ 13,330,000 | $ 256,346 | $ 131,000 |
| Hempstead, Arkansas | 41 | $ 4,485,000 | $ 109,390 | $ 82,000 |
| Ouachita, Arkansas | 28 | $ 10,280,000 | $ 367,142 | $ 67,000 |
| Miller, Arkansas | 24 | $ 6,090,000 | $ 253,750 | $ 158,000 |
| Howard, Arkansas | 23 | $ 2,805,000 | $ 121,956 | $ 108,000 |
| Collin, Texas | 21 | $ 9,765,000 | $ 465,000 | $ 417,000 |
| Nevada, Arkansas | 18 | $ 1,530,000 | $ 85,000 | $ 106,000 |
| Sevier, Arkansas | 13 | $ 1,955,000 | $ 150,384 | $ 91,000 |
| Webster, Louisiana | 11 | $ 1,085,000 | $ 98,636 | $ 106,000 |
| Hot Spring, Arkansas | 10 | $ 1,680,000 | $ 168,000 | $ 91,000 |
| Garland, Arkansas | 8 | $ 3,460,000 | $ 432,500 | $ 308,000 |
| McCurtain, Oklahoma | 8 | $ 1,290,000 | $ 161,250 | $ 132,000 |
| Lafayette, Arkansas | 7 | $ 1,385,000 | $ 197,857 | $ 110,000 |
| Cass, Texas | 6 | $ 1,100,000 | $ 183,333 | $ 80,000 |
| Pike, Arkansas | 5 | $ 715,000 | $ 143,000 | $ 582,000 |
| Union, Arkansas | 5 | $ 1,235,000 | $ 247,000 | $ 177,000 |
| Dallas, Texas | 5 | $ 2,495,000 | $ 499,000 | $ 256,000 |
| Benton, Arkansas | 4 | $ 1,140,000 | $ 285,000 | $ 321,000 |
| Clark, Arkansas | 4 | $ 930,000 | $ 232,500 | $ 133,000 |
| Little River, Arkansas | 4 | $ 510,000 | $ 127,500 | $ 107,000 |
| Pulaski, Arkansas | 4 | $ 960,000 | $ 240,000 | $ 326,000 |
| Logan, Arkansas | 3 | $ 535,000 | $ 178,333 | $ 89,000 |
| Saline, Arkansas | 3 | $ 965,000 | $ 321,666 | $ 185,000 |
| Grayson, Texas | 3 | $ 1,775,000 | $ 591,666 | $ 323,000 |
| Tarrant, Texas | 3 | $ 2,415,000 | $ 805,000 | $ 235,000 |
| Arkansas, Arkansas | 2 | $ 350,000 | $ 175,000 | $ 118,000 |
| Dallas, Arkansas | 2 | $ 180,000 | $ 90,000 | $ 93,000 |
| Faulkner, Arkansas | 2 | $ 550,000 | $ 275,000 | $ 127,000 |
| Lonoke, Arkansas | 2 | $ 270,000 | $ 135,000 | $ 93,000 |
| Montgomery, Arkansas | 2 | $ 200,000 | $ 100,000 | $ 105,000 |
| Washington, Arkansas | 2 | $ 580,000 | $ 290,000 | $ 509,000 |
| Gallatin, Montana | 2 | $ 860,000 | $ 430,000 | $ 0 |
| Cherokee, Texas | 2 | $ 680,000 | $ 340,000 | $ 166,000 |
| Denton, Texas | 2 | $ 1,530,000 | $ 765,000 | $ 441,000 |
| Franklin, Texas | 2 | $ 1,210,000 | $ 605,000 | $ 181,000 |
| Gregg, Texas | 2 | $ 530,000 | $ 265,000 | $ 127,000 |
| Boone, Arkansas | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Calhoun, Arkansas | 1 | $ 95,000 | $ 95,000 | $ 172,000 |
| Chicot, Arkansas | 1 | $ 295,000 | $ 295,000 | $ 150,000 |
| Drew, Arkansas | 1 | $ 125,000 | $ 125,000 | $ 40,000 |
| Grant, Arkansas | 1 | $ 45,000 | $ 45,000 | $ 120,000 |
| El Paso, Colorado | 1 | $ 805,000 | $ 805,000 | $ 322,000 |
| Okaloosa, Florida | 1 | $ 975,000 | $ 975,000 | $ 0 |
| Bossier, Louisiana | 1 | $ 115,000 | $ 115,000 | $ 139,000 |
| Caddo, Louisiana | 1 | $ 145,000 | $ 145,000 | $ 42,000 |
| Claiborne, Louisiana | 1 | $ 35,000 | $ 35,000 | $ 12,000 |
| Payne, Oklahoma | 1 | $ 425,000 | $ 425,000 | $ 1,015,000 |
| Brazos, Texas | 1 | $ 275,000 | $ 275,000 | $ 98,000 |
| Hunt, Texas | 1 | $ 315,000 | $ 315,000 | $ 156,000 |
| Nacogdoches, Texas | 1 | $ 555,000 | $ 555,000 | $ 198,000 |
| Upshur, Texas | 1 | $ 155,000 | $ 155,000 | $ 50,000 |
| Wasatch, Utah | 1 | $ 2,955,000 | $ 2,955,000 | $ 0 |
Mortgage Loan Application Detail Totals for Farmers Bank & Trust in 2025
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 | 324 | $80,530,000 | $248,000 | $3,785,000 | $181,000 | $6,300,000 |
| Refinancing | 98 | $26,350,000 | $268,000 | $1,805,000 | $173,000 | $1,125,000 |
| Home Improvement | 41 | $5,015,000 | $122,000 | $1,435,000 | $135,000 | $1,021,000 |
| Other Purpose | 17 | $985,000 | $57,000 | $125,000 | $91,000 | $192,000 |
| Cash-out Refinancing | 16 | $4,200,000 | $262,000 | $695,000 | $125,000 | $250,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 300 | $69,800,000 | $232,000 | $1,805,000 | $181,000 | $6,300,000 |
| Not applicable | 81 | $27,615,000 | $340,000 | $3,785,000 | $0 | $0 |
| Hispanic | 44 | $5,780,000 | $131,000 | $415,000 | $92,000 | $250,000 |
| Black or African American | 41 | $4,635,000 | $113,000 | $595,000 | $87,000 | $269,000 |
| Asian | 21 | $6,695,000 | $318,000 | $485,000 | $332,000 | $746,000 |
| Not Provided | 7 | $2,425,000 | $346,000 | $785,000 | $248,000 | $597,000 |
| American Indian or Alaskan Native | 2 | $130,000 | $65,000 | $85,000 | $37,000 | $50,000 |
| 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) | 443 | $106,085,000 | $239,000 | $3,785,000 | $183,000 | $6,300,000 |
| FHA-insured (Federal Housing Administration) | 37 | $8,145,000 | $220,000 | $515,000 | $93,000 | $230,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 11 | $1,615,000 | $146,000 | $245,000 | $68,000 | $117,000 |
| VA-guaranteed (Veterans Administration) | 5 | $1,235,000 | $247,000 | $415,000 | $88,000 | $111,000 |
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 | 429 | $106,805,000 | $248,000 | $3,785,000 | $185,000 | $6,300,000 |
| Application Denied By Financial Institution | 33 | $3,265,000 | $98,000 | $305,000 | $55,000 | $192,000 |
| Application Withdrawn By Applicant | 17 | $3,515,000 | $206,000 | $1,205,000 | $107,000 | $360,000 |
| Application Approved But Not Accepted | 17 | $3,495,000 | $205,000 | $785,000 | $162,000 | $603,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 463 | $113,815,000 | $245,000 | $3,785,000 | $180,000 | $6,300,000 |
| Credit History | 17 | $1,305,000 | $76,000 | $305,000 | $57,000 | $133,000 |
| Debt-To-Income Ratio | 14 | $1,880,000 | $134,000 | $255,000 | $49,000 | $192,000 |
| Collateral | 2 | $80,000 | $40,000 | $45,000 | $89,000 | $97,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Farmers Bank & Trust's 2025 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 Farmers Bank & Trust'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.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About