Bear State Bank Mortgage Lending & HMDA Data, 2015
In 2015, Bear State Bank of Harrison, AR reported 1,235 mortgage applications totaling $186.9 million, up 264% from 2014. The average application was for $151,324, and applicants reported an average income of $70,345. 82% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Fayetteville-Springdale-Rogers, AR-MO (468), Jonesboro, AR (145) and Little Rock-North Little Rock-Conway, AR (96) (applications in parentheses).
| Mortgage Company & Address | Bear State Bank 1401 Hwy 62/65 N Harrison, AR 72602 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2015 2014 2013 2012 2011 2010 2009 2008 2007 |
| Total Number of Mortgage Applications | 1,235 |
| Total Mortgage Loan Application Amount | $186,886,000 |
| Average Mortgage Loan Application Amount | $151,324 |
| Highest Mortgage Loan Application Amount | $6,400,000 |
| Average Applicant Income | $70,345 |
| Highest Applicant Income | $1,316,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Bear State Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Fayetteville-Springdale-Rogers, AR-MO | 468 | $ 82,609,000 | $ 176,514 | $ 79,952 |
| Jonesboro, AR | 145 | $ 22,357,000 | $ 154,186 | $ 66,000 |
| Little Rock-North Little Rock-Conway, AR | 96 | $ 25,308,000 | $ 263,625 | $ 102,000 |
| Hot Springs, AR | 45 | $ 5,752,000 | $ 127,822 | $ 61,000 |
| Texarkana, TX-AR | 17 | $ 1,564,000 | $ 92,000 | $ 54,941 |
| Fort Smith, AR-OK | 4 | $ 709,000 | $ 177,250 | $ 96,000 |
| Dallas-Plano-Irving, TX | 3 | $ 1,082,000 | $ 360,666 | $ 518,000 |
| Pine Bluff, AR | 2 | $ 2,190,000 | $ 1,095,000 | $ 0 |
| Abilene, TX | 1 | $ 263,000 | $ 263,000 | $ 83,000 |
| Atlanta-Sandy Springs-Roswell, GA | 1 | $ 130,000 | $ 130,000 | $ 32,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 628,000 | $ 628,000 | $ 217,000 |
| Dayton, OH | 1 | $ 250,000 | $ 250,000 | $ 127,000 |
| Fort Worth-Arlington, TX | 1 | $ 240,000 | $ 240,000 | $ 0 |
| Grand Rapids-Wyoming, MI | 1 | $ 143,000 | $ 143,000 | $ 69,000 |
| Gulfport-Biloxi-Pascagoula, MS | 1 | $ 278,000 | $ 278,000 | $ 77,000 |
| Houston-The Woodlands-Sugar Land, TX | 1 | $ 195,000 | $ 195,000 | $ 51,000 |
| Kansas City, MO-KS | 1 | $ 265,000 | $ 265,000 | $ 86,000 |
| Killeen-Temple, TX | 1 | $ 52,000 | $ 52,000 | $ 62,000 |
| Louisville/Jefferson County, KY-IN | 1 | $ 167,000 | $ 167,000 | $ 266,000 |
| Memphis, TN-MS-AR | 1 | $ 417,000 | $ 417,000 | $ 0 |
| Montgomery County-Bucks County-Chester County, PA | 1 | $ 402,000 | $ 402,000 | $ 100,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 213,000 | $ 213,000 | $ 384,000 |
| Salem, OR | 1 | $ 400,000 | $ 400,000 | $ 115,000 |
| St. Louis, MO-IL | 1 | $ 215,000 | $ 215,000 | $ 90,000 |
| Topeka, KS | 1 | $ 125,000 | $ 125,000 | $ 97,000 |
| Tucson, AZ | 1 | $ 227,000 | $ 227,000 | $ 188,000 |
| Tyler, TX | 1 | $ 107,000 | $ 107,000 | $ 49,000 |
Mortgage Loan Application Detail Totals for Bear State Bank in 2015
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 | 837 | $123,753,000 | $147,000 | $1,483,000 | $67,000 | $1,316,000 |
| Refinancing | 318 | $55,719,000 | $175,000 | $6,400,000 | $81,000 | $1,316,000 |
| Home Improvement | 80 | $7,414,000 | $92,000 | $431,000 | $63,000 | $1,224,000 |
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 | 994 | $138,245,000 | $139,000 | $740,000 | $76,000 | $1,316,000 |
| Hispanic | 76 | $7,960,000 | $104,000 | $417,000 | $41,000 | $226,000 |
| Not applicable | 68 | $23,236,000 | $341,000 | $6,400,000 | $3,000 | $217,000 |
| Not Provided | 41 | $8,377,000 | $204,000 | $941,000 | $93,000 | $1,005,000 |
| Asian | 26 | $4,427,000 | $170,000 | $360,000 | $91,000 | $164,000 |
| Black or African American | 22 | $3,449,000 | $156,000 | $288,000 | $53,000 | $130,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $537,000 | $134,000 | $179,000 | $48,000 | $82,000 |
| American Indian or Alaskan Native | 4 | $655,000 | $163,000 | $249,000 | $85,000 | $113,000 |
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) | 911 | $137,581,000 | $151,000 | $6,400,000 | $76,000 | $1,316,000 |
| FHA-insured (Federal Housing Administration) | 164 | $23,218,000 | $141,000 | $276,000 | $54,000 | $300,000 |
| VA-guaranteed (Veterans Administration) | 89 | $17,951,000 | $201,000 | $524,000 | $74,000 | $284,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 71 | $8,136,000 | $114,000 | $250,000 | $36,000 | $73,000 |
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 | 1,011 | $162,770,000 | $160,000 | $6,400,000 | $84,000 | $1,316,000 |
| Application Denied By Financial Institution | 114 | $9,265,000 | $81,000 | $458,000 | $18,000 | $203,000 |
| Application Withdrawn By Applicant | 102 | $13,231,000 | $129,000 | $470,000 | $0 | $0 |
| File Closed For Incompleteness | 5 | $1,163,000 | $232,000 | $417,000 | $99,000 | $301,000 |
| Application Approved But Not Accepted | 3 | $457,000 | $152,000 | $306,000 | $51,000 | $121,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 64 | $3,727,000 | $58,000 | $240,000 | $0 | $0 |
| Debt-To-Income Ratio | 31 | $3,210,000 | $103,000 | $458,000 | $49,000 | $132,000 |
| Collateral | 8 | $1,440,000 | $180,000 | $417,000 | $0 | $0 |
| Other | 5 | $470,000 | $94,000 | $201,000 | $46,000 | $157,000 |
| Employment History | 2 | $68,000 | $34,000 | $34,000 | $11,000 | $23,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $233,000 | $116,000 | $175,000 | $129,000 | $203,000 |
| Unverifiable Information | 1 | $66,000 | $66,000 | $66,000 | $32,000 | $32,000 |
| Credit Application Incomplete | 1 | $51,000 | $51,000 | $51,000 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Bear State Bank's 2015 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 Bear State 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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