One Bank & Trust, National Association Mortgage Lending & HMDA Data, 2006
In 2006, One Bank & Trust, National Association of Little Rock, AR reported 375 mortgage applications totaling $59.8 million, up 9% from 2005. The average application was for $159,554, and applicants reported an average income of $125,418. 92% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Little Rock-North Little Rock, AR (326), Hot Springs, AR (10) and Fayetteville-Springdale-Rogers, AR-MO (5) (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 | 375 |
| Total Mortgage Loan Application Amount | $59,833,000 |
| Average Mortgage Loan Application Amount | $159,554 |
| Highest Mortgage Loan Application Amount | $1,425,000 |
| Average Applicant Income | $125,418 |
| Highest Applicant Income | $684,000 |
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One Bank & Trust, National Association filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 256 | $ 43,100,000 | $ 168,359 | $ 130,000 |
| Saline, Arkansas | 47 | $ 5,396,000 | $ 114,808 | $ 73,000 |
| Faulkner, Arkansas | 12 | $ 1,253,000 | $ 104,416 | $ 99,000 |
| Garland, Arkansas | 10 | $ 2,277,000 | $ 227,700 | $ 106,000 |
| Lonoke, Arkansas | 7 | $ 854,000 | $ 122,000 | $ 250,000 |
| Cleburne, Arkansas | 4 | $ 712,000 | $ 178,000 | $ 289,000 |
| Jefferson, Arkansas | 4 | $ 394,000 | $ 98,500 | $ 73,000 |
| Perry, Arkansas | 4 | $ 578,000 | $ 144,500 | $ 246,000 |
| Benton, Arkansas | 3 | $ 253,000 | $ 84,333 | $ 40,000 |
| Sebastian, Arkansas | 3 | $ 277,000 | $ 92,333 | $ 61,000 |
| Montgomery, Arkansas | 2 | $ 264,000 | $ 132,000 | $ 241,000 |
| Washington, Arkansas | 2 | $ 395,000 | $ 197,500 | $ 207,000 |
| Santa Rosa, Florida | 2 | $ 324,000 | $ 162,000 | $ 180,000 |
| Baxter, Arkansas | 1 | $ 140,000 | $ 140,000 | $ 0 |
| Conway, Arkansas | 1 | $ 122,000 | $ 122,000 | $ 59,000 |
| Craighead, Arkansas | 1 | $ 84,000 | $ 84,000 | $ 90,000 |
| Johnson, Arkansas | 1 | $ 167,000 | $ 167,000 | $ 104,000 |
| Pike, Arkansas | 1 | $ 61,000 | $ 61,000 | $ 0 |
| Searcy, Arkansas | 1 | $ 110,000 | $ 110,000 | $ 135,000 |
| White, Arkansas | 1 | $ 171,000 | $ 171,000 | $ 119,000 |
| Fulton, Georgia | 1 | $ 112,000 | $ 112,000 | $ 33,000 |
| Kent, Michigan | 1 | $ 254,000 | $ 254,000 | $ 120,000 |
| Taney, Missouri | 1 | $ 331,000 | $ 331,000 | $ 274,000 |
| Shelby, Tennessee | 1 | $ 772,000 | $ 772,000 | $ 474,000 |
| Jefferson, Texas | 1 | $ 100,000 | $ 100,000 | $ 450,000 |
Mortgage Loan Application Detail Totals for One Bank & Trust, National Association in 2006
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 | 196 | $31,323,000 | $159,000 | $1,000,000 | $110,000 | $672,000 |
| Refinancing | 163 | $26,116,000 | $160,000 | $1,425,000 | $144,000 | $549,000 |
| Home Improvement | 16 | $2,394,000 | $149,000 | $1,120,000 | $125,000 | $684,000 |
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 | 348 | $54,193,000 | $155,000 | $1,000,000 | $127,000 | $672,000 |
| Black or African American | 13 | $994,000 | $76,000 | $163,000 | $58,000 | $288,000 |
| Not Provided | 8 | $1,708,000 | $213,000 | $435,000 | $113,000 | $300,000 |
| Not applicable | 2 | $1,140,000 | $570,000 | $1,120,000 | $354,000 | $684,000 |
| American Indian or Alaskan Native | 2 | $249,000 | $124,000 | $194,000 | $76,000 | $79,000 |
| Hispanic | 1 | $124,000 | $124,000 | $124,000 | $39,000 | $39,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $1,425,000 | $1,425,000 | $1,425,000 | $409,000 | $409,000 |
| Asian | 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) | 355 | $57,400,000 | $161,000 | $1,425,000 | $129,000 | $684,000 |
| FHA-insured (Federal Housing Administration) | 15 | $1,799,000 | $119,000 | $203,000 | $61,000 | $348,000 |
| VA-guaranteed (Veterans Administration) | 5 | $634,000 | $126,000 | $194,000 | $52,000 | $84,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 346 | $55,178,000 | $159,000 | $1,425,000 | $128,000 | $684,000 |
| Application Withdrawn By Applicant | 21 | $3,977,000 | $189,000 | $800,000 | $116,000 | $450,000 |
| Application Denied By Financial Institution | 7 | $646,000 | $92,000 | $177,000 | $31,000 | $95,000 |
| File Closed For Incompleteness | 1 | $32,000 | $32,000 | $32,000 | $106,000 | $106,000 |
| 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 | 3 | $282,000 | $94,000 | $100,000 | $14,000 | $29,000 |
| Other | 2 | $167,000 | $83,000 | $97,000 | $28,000 | $56,000 |
| Debt-To-Income Ratio | 1 | $177,000 | $177,000 | $177,000 | $95,000 | $95,000 |
| Employment History | 1 | $20,000 | $20,000 | $20,000 | $25,000 | $25,000 |
| 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 2006 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.
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