Firsttrust Home Loans Mortgage Lending & HMDA Data, 2019
In 2019, Firsttrust Home Loans of Sheridan, AR reported 2,288 mortgage applications totaling $316.8 million, up 137% from 2018. The average application was for $138,444, and applicants reported an average income of $70,584. 63% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Little Rock-North Little Rock-Conway, AR (572), Shreveport-Bossier City, LA (75) and Oklahoma City, OK (40) (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 | 2,288 |
| Total Mortgage Loan Application Amount | $316,760,000 |
| Average Mortgage Loan Application Amount | $138,444 |
| Highest Mortgage Loan Application Amount | $725,000 |
| Average Applicant Income | $70,584 |
| Highest Applicant Income | $2,478,000 |
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(HMDA) records Firsttrust Home Loans filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Outside any metro area | 731 | $ 91,645,000 | $ 125,369 | $ 68,258 |
| Little Rock-North Little Rock-Conway, AR | 572 | $ 100,320,000 | $ 175,384 | $ 83,000 |
| Shreveport-Bossier City, LA | 75 | $ 14,625,000 | $ 195,000 | $ 72,000 |
| Oklahoma City, OK | 40 | $ 6,670,000 | $ 166,750 | $ 68,000 |
| Pine Bluff, AR | 38 | $ 5,050,000 | $ 132,894 | $ 83,000 |
| Birmingham-Hoover, AL | 34 | $ 5,620,000 | $ 165,294 | $ 66,000 |
| Fort Smith, AR-OK | 28 | $ 3,660,000 | $ 130,714 | $ 54,785 |
| Jonesboro, AR | 24 | $ 4,780,000 | $ 199,166 | $ 102,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 20 | $ 4,280,000 | $ 214,000 | $ 94,000 |
| Huntsville, AL | 17 | $ 3,375,000 | $ 198,529 | $ 84,000 |
| Hot Springs, AR | 15 | $ 2,935,000 | $ 195,666 | $ 104,000 |
| Texarkana, TX-AR | 13 | $ 1,785,000 | $ 137,307 | $ 100,307 |
| Joplin, MO | 10 | $ 1,070,000 | $ 107,000 | $ 62,000 |
| Austin-Round Rock, TX | 3 | $ 765,000 | $ 255,000 | $ 106,000 |
| Dallas-Plano-Irving, TX | 3 | $ 515,000 | $ 171,666 | $ 92,000 |
| Fort Worth-Arlington, TX | 3 | $ 545,000 | $ 181,666 | $ 62,000 |
| Florence-Muscle Shoals, AL | 2 | $ 440,000 | $ 220,000 | $ 107,000 |
| Tulsa, OK | 2 | $ 960,000 | $ 480,000 | $ 136,000 |
| Anniston-Oxford-Jacksonville, AL | 1 | $ 195,000 | $ 195,000 | $ 68,000 |
| Daphne-Fairhope-Foley, AL | 1 | $ 255,000 | $ 255,000 | $ 51,000 |
| Decatur, AL | 1 | $ 225,000 | $ 225,000 | $ 69,000 |
| Gadsden, AL | 1 | $ 285,000 | $ 285,000 | $ 95,000 |
| Houma-Thibodaux, LA | 1 | $ 115,000 | $ 115,000 | $ 87,000 |
| Houston-The Woodlands-Sugar Land, TX | 1 | $ 115,000 | $ 115,000 | $ 325,000 |
| Lawton, OK | 1 | $ 165,000 | $ 165,000 | $ 85,000 |
| Memphis, TN-MS-AR | 1 | $ 155,000 | $ 155,000 | $ 110,000 |
| Monroe, LA | 1 | $ 165,000 | $ 165,000 | $ 49,000 |
| Tyler, TX | 1 | $ 195,000 | $ 195,000 | $ 56,000 |
| Wichita, KS | 1 | $ 155,000 | $ 155,000 | $ 83,000 |
Mortgage Loan Application Detail Totals for Firsttrust Home Loans in 2019
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 | 2,236 | $307,940,000 | $137,000 | $725,000 | $70,000 | $2,478,000 |
| Refinancing | 47 | $8,065,000 | $171,000 | $435,000 | $99,000 | $322,000 |
| Cash-out Refinancing | 5 | $755,000 | $151,000 | $285,000 | $65,000 | $102,000 |
| 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 | 1,834 | $262,780,000 | $143,000 | $725,000 | $75,000 | $2,478,000 |
| Black or African American | 178 | $22,170,000 | $124,000 | $435,000 | $51,000 | $244,000 |
| Not Provided | 163 | $17,495,000 | $107,000 | $485,000 | $48,000 | $195,000 |
| Hispanic | 60 | $7,660,000 | $127,000 | $355,000 | $54,000 | $170,000 |
| American Indian or Alaskan Native | 35 | $4,425,000 | $126,000 | $335,000 | $67,000 | $164,000 |
| Asian | 14 | $1,640,000 | $117,000 | $265,000 | $72,000 | $176,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $215,000 | $215,000 | $215,000 | $120,000 | $120,000 |
| Not applicable | 1 | $115,000 | $115,000 | $115,000 | $79,000 | $79,000 |
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) | 762 | $125,500,000 | $164,000 | $595,000 | $100,000 | $2,478,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 669 | $69,305,000 | $103,000 | $285,000 | $44,000 | $551,000 |
| FHA-insured (Federal Housing Administration) | 657 | $85,765,000 | $130,000 | $315,000 | $63,000 | $244,000 |
| VA-guaranteed (Veterans Administration) | 200 | $36,190,000 | $180,000 | $725,000 | $69,000 | $234,000 |
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 | 1,439 | $223,825,000 | $155,000 | $725,000 | $76,000 | $470,000 |
| Application Withdrawn By Applicant | 414 | $51,110,000 | $123,000 | $385,000 | $72,000 | $2,478,000 |
| Application Denied By Financial Institution | 271 | $28,565,000 | $105,000 | $465,000 | $48,000 | $551,000 |
| File Closed For Incompleteness | 115 | $7,815,000 | $67,000 | $145,000 | $51,000 | $244,000 |
| Preapproval Denied by Financial Institution | 42 | $4,610,000 | $109,000 | $225,000 | $45,000 | $185,000 |
| Preapproval Approved but not Accepted | 7 | $835,000 | $119,000 | $205,000 | $56,000 | $109,000 |
| Loan Purchased By The Institution | 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 |
|---|---|---|---|---|---|---|
| Not applicable | 1,975 | $283,585,000 | $143,000 | $725,000 | $74,000 | $2,478,000 |
| Credit History | 245 | $25,395,000 | $103,000 | $465,000 | $46,000 | $198,000 |
| Debt-To-Income Ratio | 49 | $6,195,000 | $126,000 | $415,000 | $48,000 | $157,000 |
| Other | 7 | $415,000 | $59,000 | $95,000 | $53,000 | $132,000 |
| Employment History | 4 | $490,000 | $122,000 | $185,000 | $158,000 | $551,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $260,000 | $65,000 | $75,000 | $52,000 | $129,000 |
| Unverifiable Information | 2 | $190,000 | $95,000 | $135,000 | $31,000 | $62,000 |
| Collateral | 1 | $85,000 | $85,000 | $85,000 | $27,000 | $27,000 |
| Credit Application Incomplete | 1 | $145,000 | $145,000 | $145,000 | $53,000 | $53,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Firsttrust Home Loans's 2019 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.
For a list of all lenders in Arkansas, download the full spreadsheet
with aggregated HMDA statistics today.
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