Fbt Bank & Mortgage Mortgage Lending & HMDA Data, 2021
In 2021, Fbt Bank & Mortgage of Fordyce, AR reported 93 mortgage applications totaling $10.6 million. The average application was for $113,494, and applicants reported an average income of $100,279. 91% of its applications resulted in an originated loan and 5% were denied. Its largest market was Pine Bluff, AR (45).
| Mortgage Company & Address | Fbt Bank & Mortgage 200 W 4th St Fordyce, AR 71742 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2021 |
| Total Number of Mortgage Applications | 93 |
| Total Mortgage Loan Application Amount | $10,555,000 |
| Average Mortgage Loan Application Amount | $113,494 |
| Highest Mortgage Loan Application Amount | $1,255,000 |
| Average Applicant Income | $100,279 |
| Highest Applicant Income | $710,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Fbt Bank & Mortgage filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Pine Bluff, AR | 45 | $ 3,975,000 | $ 88,333 | $ 89,000 |
Mortgage Loan Application Detail Totals for Fbt Bank & Mortgage in 2021
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 | $5,590,000 | $116,000 | $1,255,000 | $93,000 | $485,000 |
| Refinancing | 25 | $3,795,000 | $151,000 | $665,000 | $126,000 | $710,000 |
| Home Improvement | 12 | $670,000 | $55,000 | $105,000 | $84,000 | $144,000 |
| Other Purpose | 8 | $500,000 | $62,000 | $175,000 | $88,000 | $169,000 |
| Cash-out Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 55 | $6,685,000 | $121,000 | $1,255,000 | $100,000 | $485,000 |
| Black or African American | 17 | $1,025,000 | $60,000 | $295,000 | $77,000 | $181,000 |
| Not applicable | 12 | $1,820,000 | $151,000 | $665,000 | $0 | $0 |
| Hispanic | 6 | $260,000 | $43,000 | $55,000 | $68,000 | $142,000 |
| American Indian or Alaskan Native | 1 | $25,000 | $25,000 | $25,000 | $43,000 | $43,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 93 | $10,555,000 | $113,000 | $1,255,000 | $101,000 | $710,000 |
| 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 | 85 | $10,105,000 | $118,000 | $1,255,000 | $105,000 | $710,000 |
| Application Denied By Financial Institution | 5 | $135,000 | $27,000 | $35,000 | $58,000 | $181,000 |
| Application Withdrawn By Applicant | 3 | $315,000 | $105,000 | $225,000 | $86,000 | $144,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 93 | $10,555,000 | $113,000 | $1,255,000 | $101,000 | $710,000 |
| 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 |
| Not applicable | 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 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Fbt Bank & Mortgage's 2021 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 Fbt Bank & Mortgage'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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