Firsttrust Home Loans Mortgage Lending & HMDA Data, 2021

In 2021, Firsttrust Home Loans of Sheridan, AR reported 4,344 mortgage applications totaling $765.0 million, down 24% from 2020. The average application was for $176,093, and applicants reported an average income of $79,859. 69% of its applications resulted in an originated loan and 16% were denied. Its largest markets were Little Rock-North Little Rock-Conway, AR (1,237), Fayetteville-Springdale-Rogers, AR-MO (310) and Joplin, MO (169) (applications in parentheses).

Mortgage Company & Address Firsttrust Home Loans
906 South Rock St.
Sheridan, AR 72150
Tel #: available with data download
Federal Regulator * available with data download
Years 2025  2024  2023  2022  2021  2020  2019  2018  2017  2016  
Total Number of Mortgage Applications 4,344
Total Mortgage Loan Application Amount $764,950,000
Average Mortgage Loan Application Amount $176,093
Highest Mortgage Loan Application Amount $1,605,000
Average Applicant Income $79,859
Highest Applicant Income $1,522,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Firsttrust Home Loans filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Totals for Firsttrust Home Loans by County in 2021

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Pulaski, Arkansas 344 $ 71,380,000 $ 207,500 $ 96,000
Saline, Arkansas 297 $ 58,135,000 $ 195,740 $ 88,000
Benton, Arkansas 247 $ 62,035,000 $ 251,153 $ 124,000
Faulkner, Arkansas 234 $ 50,450,000 $ 215,598 $ 84,000
Lonoke, Arkansas 208 $ 39,020,000 $ 187,596 $ 78,000
Grant, Arkansas 148 $ 26,520,000 $ 179,189 $ 77,000
Jasper, Missouri 125 $ 19,125,000 $ 153,000 $ 63,000
White, Arkansas 120 $ 19,080,000 $ 159,000 $ 67,000
Polk, Arkansas 116 $ 15,690,000 $ 135,258 $ 60,000
Garland, Arkansas 111 $ 24,635,000 $ 221,936 $ 101,000
Cross, Arkansas 110 $ 16,510,000 $ 150,090 $ 68,000
Arkansas, Arkansas 88 $ 13,130,000 $ 149,204 $ 65,000
Ouachita, Arkansas 82 $ 11,710,000 $ 142,804 $ 62,000
Jefferson, Arkansas 81 $ 13,755,000 $ 169,814 $ 79,000
Howard, Arkansas 66 $ 9,880,000 $ 149,696 $ 60,000
Washington, Arkansas 63 $ 15,035,000 $ 238,650 $ 137,000
Union, Arkansas 56 $ 10,160,000 $ 181,428 $ 76,000
Newton, Missouri 44 $ 7,870,000 $ 178,863 $ 86,000
Madison, Alabama 43 $ 12,265,000 $ 285,232 $ 102,000
Logan, Arkansas 43 $ 5,685,000 $ 132,209 $ 61,000
Bossier, Louisiana 41 $ 9,555,000 $ 233,048 $ 103,000
Caddo, Louisiana 41 $ 8,415,000 $ 205,243 $ 94,000
Baxter, Arkansas 33 $ 5,845,000 $ 177,121 $ 79,000
Randolph, Arkansas 33 $ 5,185,000 $ 157,121 $ 81,000
Sharp, Arkansas 32 $ 5,180,000 $ 161,875 $ 119,000
Pittsburg, Oklahoma 31 $ 7,255,000 $ 234,032 $ 114,000
Izard, Arkansas 29 $ 4,155,000 $ 143,275 $ 70,000
Cleburne, Arkansas 28 $ 6,200,000 $ 221,428 $ 109,000
Hot Spring, Arkansas 27 $ 4,495,000 $ 166,481 $ 72,000
Craighead, Arkansas 23 $ 4,205,000 $ 182,826 $ 84,000
Sevier, Arkansas 23 $ 3,675,000 $ 159,782 $ 73,000
Columbia, Arkansas 21 $ 4,095,000 $ 195,000 $ 98,000
Dallas, Arkansas 21 $ 3,205,000 $ 152,619 $ 72,000
Lincoln, Arkansas 21 $ 3,865,000 $ 184,047 $ 78,000
Pike, Arkansas 21 $ 3,075,000 $ 146,428 $ 85,000
Sebastian, Arkansas 21 $ 3,195,000 $ 152,142 $ 63,000
Travis, Texas 21 $ 7,505,000 $ 357,380 $ 187,000
Williamson, Texas 20 $ 5,960,000 $ 298,000 $ 161,000
Crittenden, Arkansas 19 $ 3,015,000 $ 158,684 $ 59,000
St. Francis, Arkansas 19 $ 3,235,000 $ 170,263 $ 76,000
Fulton, Arkansas 17 $ 2,125,000 $ 125,000 $ 59,000
Van Buren, Arkansas 16 $ 3,090,000 $ 193,125 $ 96,000
Hempstead, Arkansas 15 $ 1,965,000 $ 131,000 $ 69,000
Calhoun, Arkansas 13 $ 1,725,000 $ 132,692 $ 80,000
Sequoyah, Oklahoma 13 $ 2,025,000 $ 155,769 $ 56,000
Crawford, Arkansas 11 $ 1,965,000 $ 178,636 $ 60,000
Desha, Arkansas 11 $ 1,225,000 $ 111,363 $ 66,000
Cleveland, Arkansas 10 $ 1,820,000 $ 182,000 $ 87,000
Drew, Arkansas 10 $ 1,950,000 $ 195,000 $ 62,000
Cleveland, Oklahoma 10 $ 1,680,000 $ 168,000 $ 75,000
Conway, Arkansas 9 $ 1,635,000 $ 181,666 $ 86,000
Independence, Arkansas 9 $ 1,395,000 $ 155,000 $ 69,000
Little River, Arkansas 9 $ 1,445,000 $ 160,555 $ 74,000
Pope, Arkansas 9 $ 1,815,000 $ 201,666 $ 64,000
Montgomery, Arkansas 8 $ 1,450,000 $ 181,250 $ 73,000
Harris, Texas 8 $ 1,770,000 $ 221,250 $ 113,000
Carroll, Arkansas 7 $ 1,565,000 $ 223,571 $ 121,000
Franklin, Arkansas 7 $ 1,135,000 $ 162,142 $ 100,000
Prairie, Arkansas 7 $ 1,085,000 $ 155,000 $ 90,000
Tarrant, Texas 7 $ 2,445,000 $ 349,285 $ 133,000
Limestone, Alabama 6 $ 2,420,000 $ 403,333 $ 121,000
Lafayette, Arkansas 6 $ 1,200,000 $ 200,000 $ 317,000
Perry, Arkansas 6 $ 1,070,000 $ 178,333 $ 92,000
De Soto, Louisiana 6 $ 1,450,000 $ 241,666 $ 93,000
Clark, Arkansas 5 $ 895,000 $ 179,000 $ 59,000
Lawrence, Arkansas 5 $ 615,000 $ 123,000 $ 49,000
Phillips, Arkansas 5 $ 785,000 $ 157,000 $ 72,000
Webster, Louisiana 5 $ 645,000 $ 129,000 $ 45,000
Barton, Missouri 5 $ 535,000 $ 107,000 $ 61,000
McDonald, Missouri 5 $ 545,000 $ 109,000 $ 50,000
Oklahoma, Oklahoma 5 $ 715,000 $ 143,000 $ 49,000
Ottawa, Oklahoma 5 $ 595,000 $ 119,000 $ 53,000
Denton, Texas 5 $ 1,155,000 $ 231,000 $ 91,000
Hays, Texas 5 $ 1,275,000 $ 255,000 $ 223,000
Chicot, Arkansas 4 $ 310,000 $ 77,500 $ 88,000
Clay, Arkansas 4 $ 340,000 $ 85,000 $ 47,000
Johnson, Arkansas 4 $ 530,000 $ 132,500 $ 150,000
Marion, Arkansas 4 $ 460,000 $ 115,000 $ 74,000
Woodruff, Arkansas 4 $ 430,000 $ 107,500 $ 51,000
Yell, Arkansas 4 $ 670,000 $ 167,500 $ 57,000
Cherokee, Kansas 4 $ 520,000 $ 130,000 $ 51,000
Le Flore, Oklahoma 4 $ 720,000 $ 180,000 $ 53,000
Taylor, Texas 4 $ 1,000,000 $ 250,000 $ 254,000
Morgan, Alabama 3 $ 705,000 $ 235,000 $ 100,000
Boone, Arkansas 3 $ 625,000 $ 208,333 $ 50,000
Bradley, Arkansas 3 $ 845,000 $ 281,666 $ 92,000
Greene, Arkansas 3 $ 745,000 $ 248,333 $ 63,000
Scott, Arkansas 3 $ 475,000 $ 158,333 $ 66,000
Crawford, Kansas 3 $ 225,000 $ 75,000 $ 35,000
Barry, Missouri 3 $ 495,000 $ 165,000 $ 109,000
Lawrence, Missouri 3 $ 495,000 $ 165,000 $ 113,000
Oregon, Missouri 3 $ 245,000 $ 81,666 $ 46,000
Polk, Missouri 3 $ 1,275,000 $ 425,000 $ 255,000
Canadian, Oklahoma 3 $ 605,000 $ 201,666 $ 67,000
Delaware, Oklahoma 3 $ 695,000 $ 231,666 $ 125,000
Grady, Oklahoma 3 $ 795,000 $ 265,000 $ 48,000
Haskell, Oklahoma 3 $ 535,000 $ 178,333 $ 76,000
Bowie, Texas 3 $ 705,000 $ 235,000 $ 173,000
Dallas, Texas 3 $ 715,000 $ 238,333 $ 74,000
Smith, Texas 3 $ 825,000 $ 275,000 $ 108,000
Marshall, Alabama 2 $ 660,000 $ 330,000 $ 112,000
Ashley, Arkansas 2 $ 310,000 $ 155,000 $ 58,000
Lee, Arkansas 2 $ 170,000 $ 85,000 $ 48,000
Mississippi, Arkansas 2 $ 390,000 $ 195,000 $ 99,000
Poinsett, Arkansas 2 $ 280,000 $ 140,000 $ 131,000
Stone, Arkansas 2 $ 230,000 $ 115,000 $ 41,000
Johnson, Kansas 2 $ 1,020,000 $ 510,000 $ 179,000
Labette, Kansas 2 $ 210,000 $ 105,000 $ 76,000
Claiborne, Louisiana 2 $ 320,000 $ 160,000 $ 86,000
Cedar, Missouri 2 $ 150,000 $ 75,000 $ 45,000
Taney, Missouri 2 $ 170,000 $ 85,000 $ 115,000
Vernon, Missouri 2 $ 200,000 $ 100,000 $ 88,000
Latimer, Oklahoma 2 $ 190,000 $ 95,000 $ 72,000
Rogers, Oklahoma 2 $ 380,000 $ 190,000 $ 108,000
Wagoner, Oklahoma 2 $ 260,000 $ 130,000 $ 82,000
Shelby, Tennessee 2 $ 980,000 $ 490,000 $ 180,000
Bexar, Texas 2 $ 500,000 $ 250,000 $ 112,000
Burnet, Texas 2 $ 650,000 $ 325,000 $ 128,000
Randall, Texas 2 $ 360,000 $ 180,000 $ 61,000
Calhoun, Alabama 1 $ 235,000 $ 235,000 $ 137,000
Cullman, Alabama 1 $ 205,000 $ 205,000 $ 60,000
Etowah, Alabama 1 $ 195,000 $ 195,000 $ 77,000
Jackson, Arkansas 1 $ 65,000 $ 65,000 $ 94,000
Miller, Arkansas 1 $ 135,000 $ 135,000 $ 26,000
Monroe, Arkansas 1 $ 85,000 $ 85,000 $ 65,000
Searcy, Arkansas 1 $ 125,000 $ 125,000 $ 49,000
Montgomery, Kansas 1 $ 85,000 $ 85,000 $ 48,000
Saline, Kansas 1 $ 125,000 $ 125,000 $ 97,000
Sedgwick, Kansas 1 $ 155,000 $ 155,000 $ 42,000
Lafayette, Louisiana 1 $ 235,000 $ 235,000 $ 205,000
Ouachita, Louisiana 1 $ 95,000 $ 95,000 $ 28,000
St. Martin, Louisiana 1 $ 305,000 $ 305,000 $ 120,000
Union, Louisiana 1 $ 95,000 $ 95,000 $ 35,000
Bates, Missouri 1 $ 125,000 $ 125,000 $ 94,000
Caldwell, Missouri 1 $ 225,000 $ 225,000 $ 62,000
Cape Girardeau, Missouri 1 $ 95,000 $ 95,000 $ 35,000
Christian, Missouri 1 $ 55,000 $ 55,000 $ 74,000
Crawford, Missouri 1 $ 125,000 $ 125,000 $ 54,000
Greene, Missouri 1 $ 135,000 $ 135,000 $ 57,000
Jackson, Missouri 1 $ 175,000 $ 175,000 $ 52,000
Miller, Missouri 1 $ 395,000 $ 395,000 $ 95,000
Nodaway, Missouri 1 $ 135,000 $ 135,000 $ 38,000
Pemiscot, Missouri 1 $ 205,000 $ 205,000 $ 200,000
Ripley, Missouri 1 $ 65,000 $ 65,000 $ 42,000
Webster, Missouri 1 $ 95,000 $ 95,000 $ 72,000
Adair, Oklahoma 1 $ 215,000 $ 215,000 $ 72,000
Atoka, Oklahoma 1 $ 85,000 $ 85,000 $ 94,000
Cherokee, Oklahoma 1 $ 175,000 $ 175,000 $ 74,000
Coal, Oklahoma 1 $ 155,000 $ 155,000 $ 81,000
Comanche, Oklahoma 1 $ 265,000 $ 265,000 $ 90,000
Hughes, Oklahoma 1 $ 165,000 $ 165,000 $ 75,000
Nowata, Oklahoma 1 $ 65,000 $ 65,000 $ 37,000
Stephens, Oklahoma 1 $ 185,000 $ 185,000 $ 156,000
Tulsa, Oklahoma 1 $ 395,000 $ 395,000 $ 138,000
Washington, Oklahoma 1 $ 205,000 $ 205,000 $ 47,000
Claiborne, Tennessee 1 $ 265,000 $ 265,000 $ 135,000
Davidson, Tennessee 1 $ 235,000 $ 235,000 $ 350,000
Bastrop, Texas 1 $ 485,000 $ 485,000 $ 87,000
Caldwell, Texas 1 $ 295,000 $ 295,000 $ 157,000
Callahan, Texas 1 $ 155,000 $ 155,000 $ 48,000
Fort Bend, Texas 1 $ 335,000 $ 335,000 $ 94,000
Galveston, Texas 1 $ 215,000 $ 215,000 $ 73,000
Gregg, Texas 1 $ 185,000 $ 185,000 $ 63,000
Harrison, Texas 1 $ 135,000 $ 135,000 $ 40,000
Rusk, Texas 1 $ 225,000 $ 225,000 $ 58,000
Washington, Texas 1 $ 325,000 $ 325,000 $ 56,000

Mortgage Loan Application Detail Totals for Firsttrust Home Loans 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 3,185 $538,865,000 $169,000 $1,405,000 $72,000 $1,522,000
Refinancing 703 $141,235,000 $200,000 $1,605,000 $105,000 $1,292,000
Cash-out Refinancing 456 $84,850,000 $186,000 $545,000 $96,000 $580,000
Home Improvement 0 $0 $0 $0 $0 $0
Not Applicable 0 $0 $0 $0 $0 $0
Other Purpose 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 3,415 $604,365,000 $176,000 $1,605,000 $81,000 $1,292,000
Black or African American 365 $59,685,000 $163,000 $1,405,000 $64,000 $480,000
Not Provided 244 $40,090,000 $164,000 $965,000 $81,000 $1,522,000
Hispanic 165 $28,765,000 $174,000 $665,000 $65,000 $468,000
Asian 93 $21,355,000 $229,000 $545,000 $114,000 $300,000
American Indian or Alaskan Native 49 $7,895,000 $161,000 $425,000 $68,000 $165,000
Native Hawaiian or Other Pacific Islander 3 $695,000 $231,000 $385,000 $68,000 $120,000
Not applicable 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) 2,101 $423,235,000 $201,000 $1,605,000 $106,000 $1,522,000
FHA-insured (Federal Housing Administration) 1,002 $158,400,000 $158,000 $405,000 $61,000 $480,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 936 $115,220,000 $123,000 $355,000 $45,000 $600,000
VA-guaranteed (Veterans Administration) 305 $68,095,000 $223,000 $675,000 $70,000 $244,000

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 2,989 $570,635,000 $190,000 $1,405,000 $87,000 $1,522,000
Application Denied By Financial Institution 703 $77,435,000 $110,000 $545,000 $49,000 $873,000
Application Withdrawn By Applicant 552 $106,280,000 $192,000 $1,605,000 $86,000 $1,292,000
Preapproval Denied by Financial Institution 93 $9,565,000 $102,000 $355,000 $45,000 $150,000
File Closed For Incompleteness 6 $930,000 $155,000 $365,000 $62,000 $112,000
Application Approved But Not Accepted 1 $105,000 $105,000 $105,000 $51,000 $51,000
Loan Purchased By The Institution 0 $0 $0 $0 $0 $0
Preapproval 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
Not applicable 3,548 $677,950,000 $191,000 $1,605,000 $87,000 $1,522,000
Credit History 604 $63,530,000 $105,000 $455,000 $50,000 $873,000
Debt-To-Income Ratio 139 $17,055,000 $122,000 $545,000 $39,000 $240,000
Employment History 26 $3,300,000 $126,000 $285,000 $41,000 $120,000
Other 9 $1,175,000 $130,000 $295,000 $92,000 $468,000
Collateral 9 $845,000 $93,000 $185,000 $47,000 $90,000
Unverifiable Information 5 $775,000 $155,000 $275,000 $129,000 $384,000
Credit Application Incomplete 2 $210,000 $105,000 $155,000 $38,000 $46,000
Insufficient Cash (Downpayment, Closing Cost) 2 $110,000 $55,000 $55,000 $41,000 $67,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Firsttrust Home Loans'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 Firsttrust Home Loans'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.
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