Fbt Bank & Mortgage Mortgage Lending & HMDA Data, 2013
In 2013, Fbt Bank & Mortgage of Fordyce, AR reported 106 mortgage applications totaling $11.5 million, down 23% from 2012. The average application was for $108,273, and applicants reported an average income of $100,094. 81% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Pine Bluff, AR (39), Little Rock-North Little Rock-Conway, AR (9) and Fayetteville-Springdale-Rogers, AR-MO (1) (applications in parentheses).
| Mortgage Company & Address | Fbt Bank & Mortgage 200 West Fourth St Fordyce, AR 71742 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2019 2018 2017 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 106 |
| Total Mortgage Loan Application Amount | $11,477,000 |
| Average Mortgage Loan Application Amount | $108,273 |
| Highest Mortgage Loan Application Amount | $3,279,000 |
| Average Applicant Income | $100,094 |
| Highest Applicant Income | $1,000,000 |
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Act (HMDA) records Fbt Bank & Mortgage filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Fbt Bank & Mortgage in 2013
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 | 62 | $7,551,000 | $121,000 | $3,279,000 | $141,000 | $1,000,000 |
| Refinancing | 28 | $3,654,000 | $130,000 | $1,024,000 | $49,000 | $145,000 |
| Home Improvement | 16 | $272,000 | $17,000 | $52,000 | $31,000 | $67,000 |
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 | 74 | $4,836,000 | $65,000 | $295,000 | $125,000 | $1,000,000 |
| Black or African American | 23 | $830,000 | $36,000 | $171,000 | $56,000 | $405,000 |
| Not applicable | 8 | $5,571,000 | $696,000 | $3,279,000 | $0 | $0 |
| Asian | 1 | $240,000 | $240,000 | $240,000 | $63,000 | $63,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 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) | 105 | $8,198,000 | $78,000 | $1,024,000 | $101,000 | $1,000,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $3,279,000 | $3,279,000 | $3,279,000 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FHA-insured (Federal Housing 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 | 86 | $10,938,000 | $127,000 | $3,279,000 | $118,000 | $1,000,000 |
| Application Denied By Financial Institution | 13 | $234,000 | $18,000 | $43,000 | $25,000 | $60,000 |
| Application Withdrawn By Applicant | 6 | $280,000 | $46,000 | $98,000 | $18,000 | $35,000 |
| File Closed For Incompleteness | 1 | $25,000 | $25,000 | $25,000 | $8,000 | $8,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 13 | $234,000 | $18,000 | $43,000 | $25,000 | $60,000 |
| Debt-To-Income Ratio | 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 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Fbt Bank & Mortgage's 2013 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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