One Bank & Trust, National Association Mortgage Lending & HMDA Data, 2003
In 2003, One Bank & Trust, National Association of Little Rock, AR reported 636 mortgage applications totaling $119.1 million. The average application was for $187,319, and applicants reported an average income of $109,188. 97% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Little Rock-North Little Rock, AR (573), Fayetteville-Springdale-Rogers, AR (11) and Pine Bluff, AR (9) (applications in parentheses).
| Mortgage Company & Address | One Bank & Trust, National Association 300 W Capitol Ave Little Rock, AR 72201 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 636 |
| Total Mortgage Loan Application Amount | $119,135,000 |
| Average Mortgage Loan Application Amount | $187,319 |
| Highest Mortgage Loan Application Amount | $1,500,000 |
| Average Applicant Income | $109,188 |
| Highest Applicant Income | $687,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records One Bank & Trust, National Association filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Pulaski, Arkansas | 508 | $ 99,200,000 | $ 195,275 | $ 105,000 |
| Saline, Arkansas | 36 | $ 4,738,000 | $ 131,611 | $ 103,000 |
| Lonoke, Arkansas | 18 | $ 2,840,000 | $ 157,777 | $ 85,000 |
| Faulkner, Arkansas | 11 | $ 1,221,000 | $ 111,000 | $ 55,000 |
| Garland, Arkansas | 10 | $ 1,308,000 | $ 130,800 | $ 88,000 |
| Jefferson, Arkansas | 9 | $ 1,271,000 | $ 141,222 | $ 63,000 |
| Washington, Arkansas | 8 | $ 1,470,000 | $ 183,750 | $ 65,000 |
| Grant, Arkansas | 4 | $ 468,000 | $ 117,000 | $ 48,000 |
| Benton, Arkansas | 3 | $ 541,000 | $ 180,333 | $ 183,000 |
| Cleburne, Arkansas | 3 | $ 822,000 | $ 274,000 | $ 195,000 |
| Shelby, Tennessee | 3 | $ 391,000 | $ 130,333 | $ 96,000 |
| Crawford, Arkansas | 2 | $ 358,000 | $ 179,000 | $ 69,000 |
| Montgomery, Arkansas | 2 | $ 224,000 | $ 112,000 | $ 0 |
| Van Buren, Arkansas | 2 | $ 223,000 | $ 111,500 | $ 65,000 |
| Orleans, Louisiana | 2 | $ 1,278,000 | $ 639,000 | $ 120,000 |
| Williamson, Tennessee | 2 | $ 500,000 | $ 250,000 | $ 109,000 |
| Maricopa, Arizona | 1 | $ 100,000 | $ 100,000 | $ 477,000 |
| Arkansas, Arkansas | 1 | $ 201,000 | $ 201,000 | $ 111,000 |
| Boone, Arkansas | 1 | $ 147,000 | $ 147,000 | $ 87,000 |
| Bradley, Arkansas | 1 | $ 355,000 | $ 355,000 | $ 372,000 |
| Conway, Arkansas | 1 | $ 69,000 | $ 69,000 | $ 125,000 |
| Howard, Arkansas | 1 | $ 119,000 | $ 119,000 | $ 60,000 |
| Miller, Arkansas | 1 | $ 168,000 | $ 168,000 | $ 117,000 |
| Pope, Arkansas | 1 | $ 178,000 | $ 178,000 | $ 54,000 |
| Sebastian, Arkansas | 1 | $ 71,000 | $ 71,000 | $ 74,000 |
| White, Arkansas | 1 | $ 358,000 | $ 358,000 | $ 174,000 |
| Harrison, Mississippi | 1 | $ 71,000 | $ 71,000 | $ 44,000 |
| St. Francois, Missouri | 1 | $ 147,000 | $ 147,000 | $ 105,000 |
| Mecklenburg, North Carolina | 1 | $ 298,000 | $ 298,000 | $ 132,000 |
Mortgage Loan Application Detail Totals for One Bank & Trust, National Association in 2003
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 |
|---|---|---|---|---|---|---|
| Refinancing (home purchase or home improvement, one-to-four family) | 401 | $81,367,000 | $253,250 | $1,500,000 | $221,250 | $687,000 |
| Home Purchase (one-to-four family) | 211 | $35,031,000 | $284,600 | $800,000 | $85,200 | $480,000 |
| Home Improvement (one-to-four family) | 24 | $2,737,000 | $114,000 | $500,000 | $55,000 | $330,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 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 | 607 | $115,197,000 | $253,500 | $1,500,000 | $100,333 | $687,000 |
| Information not provided by applicant in mail or telephone application | 11 | $1,388,000 | $126,000 | $385,000 | $90,000 | $279,000 |
| Hispanic | 6 | $1,204,000 | $200,000 | $398,000 | $113,000 | $240,000 |
| Black | 5 | $701,000 | $125,000 | $323,000 | $303,000 | $477,000 |
| Asian or Pacific Islander | 4 | $375,000 | $93,000 | $184,000 | $69,000 | $97,000 |
| Other | 3 | $270,000 | $90,000 | $97,000 | $160,000 | $207,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 636 | $119,135,000 | $231,285 | $1,500,000 | $154,285 | $687,000 |
| 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 | 614 | $113,869,000 | $231,000 | $1,500,000 | $153,285 | $687,000 |
| Application Denied By Financial Institution | 16 | $4,338,000 | $271,000 | $1,500,000 | $137,000 | $372,000 |
| Application Withdrawn By Applicant | 4 | $586,000 | $146,000 | $190,000 | $146,000 | $195,000 |
| Application Approved But Not Accepted | 2 | $342,000 | $171,000 | $264,000 | $201,000 | $320,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The 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 |
|---|---|---|---|---|---|---|
| Other | 14 | $4,059,000 | $289,000 | $1,500,000 | $183,000 | $372,000 |
| Credit History | 1 | $15,000 | $15,000 | $15,000 | $23,000 | $23,000 |
| Debt-To-Income Ratio | 1 | $264,000 | $264,000 | $264,000 | $64,000 | $64,000 |
| 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 |
| 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 One Bank & Trust, National Association's 2003 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 One Bank & Trust, National Association'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.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About