One Bank & Trust, National Association Mortgage Lending & HMDA Data, 2007
In 2007, One Bank & Trust, National Association of Little Rock, AR reported 311 mortgage applications totaling $62.2 million, down 17% from 2006. The average application was for $199,948, and applicants reported an average income of $159,546. 92% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Little Rock-North Little Rock-Conway, AR (260), Fayetteville-Springdale-Rogers, AR-MO (10) and Hot Springs, 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 | 311 |
| Total Mortgage Loan Application Amount | $62,184,000 |
| Average Mortgage Loan Application Amount | $199,948 |
| Highest Mortgage Loan Application Amount | $2,970,000 |
| Average Applicant Income | $159,546 |
| Highest Applicant Income | $1,800,000 |
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One Bank & Trust, National Association filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 223 | $ 41,634,000 | $ 186,699 | $ 162,000 |
| Saline, Arkansas | 17 | $ 2,561,000 | $ 150,647 | $ 108,000 |
| Lonoke, Arkansas | 10 | $ 1,572,000 | $ 157,200 | $ 95,000 |
| Faulkner, Arkansas | 9 | $ 1,404,000 | $ 156,000 | $ 51,000 |
| Garland, Arkansas | 9 | $ 2,678,000 | $ 297,555 | $ 239,000 |
| Benton, Arkansas | 6 | $ 941,000 | $ 156,833 | $ 123,000 |
| Van Buren, Arkansas | 4 | $ 619,000 | $ 154,750 | $ 211,000 |
| Washington, Arkansas | 4 | $ 695,000 | $ 173,750 | $ 285,000 |
| Cleburne, Arkansas | 3 | $ 278,000 | $ 92,666 | $ 94,000 |
| Conway, Arkansas | 2 | $ 560,000 | $ 280,000 | $ 120,000 |
| Crittenden, Arkansas | 2 | $ 222,000 | $ 111,000 | $ 45,000 |
| Hinsdale, Colorado | 2 | $ 305,000 | $ 152,500 | $ 64,000 |
| Clark, Arkansas | 1 | $ 154,000 | $ 154,000 | $ 40,000 |
| Howard, Arkansas | 1 | $ 200,000 | $ 200,000 | $ 96,000 |
| Montgomery, Arkansas | 1 | $ 155,000 | $ 155,000 | $ 360,000 |
| Perry, Arkansas | 1 | $ 650,000 | $ 650,000 | $ 144,000 |
| Pope, Arkansas | 1 | $ 204,000 | $ 204,000 | $ 183,000 |
| Searcy, Arkansas | 1 | $ 130,000 | $ 130,000 | $ 0 |
| Broward, Florida | 1 | $ 2,000,000 | $ 2,000,000 | $ 1,800,000 |
| St. Johns, Florida | 1 | $ 2,970,000 | $ 2,970,000 | $ 1,049,000 |
| Suffolk, New York | 1 | $ 488,000 | $ 488,000 | $ 180,000 |
| Shelby, Tennessee | 1 | $ 336,000 | $ 336,000 | $ 264,000 |
Mortgage Loan Application Detail Totals for One Bank & Trust, National Association in 2007
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 | 147 | $35,176,000 | $239,000 | $2,970,000 | $133,000 | $1,800,000 |
| Refinancing | 143 | $24,549,000 | $171,000 | $1,300,000 | $190,000 | $1,200,000 |
| Home Improvement | 21 | $2,459,000 | $117,000 | $491,000 | $138,000 | $450,000 |
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 | 263 | $55,306,000 | $210,000 | $2,970,000 | $178,000 | $1,800,000 |
| Not Provided | 18 | $1,767,000 | $98,000 | $300,000 | $52,000 | $105,000 |
| Black or African American | 18 | $3,981,000 | $221,000 | $2,100,000 | $45,000 | $88,000 |
| Not applicable | 7 | $540,000 | $77,000 | $119,000 | $92,000 | $201,000 |
| Hispanic | 2 | $117,000 | $58,000 | $62,000 | $37,000 | $49,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $273,000 | $136,000 | $243,000 | $90,000 | $90,000 |
| Asian | 1 | $200,000 | $200,000 | $200,000 | $102,000 | $102,000 |
| 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) | 309 | $61,933,000 | $200,000 | $2,970,000 | $160,000 | $1,800,000 |
| FHA-insured (Federal Housing Administration) | 2 | $251,000 | $125,000 | $162,000 | $25,000 | $51,000 |
| 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 | 287 | $59,086,000 | $205,000 | $2,970,000 | $168,000 | $1,800,000 |
| Application Withdrawn By Applicant | 18 | $2,569,000 | $142,000 | $325,000 | $55,000 | $139,000 |
| Application Denied By Financial Institution | 6 | $529,000 | $88,000 | $175,000 | $45,000 | $98,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 | 4 | $387,000 | $96,000 | $175,000 | $58,000 | $98,000 |
| Debt-To-Income Ratio | 2 | $142,000 | $71,000 | $77,000 | $18,000 | $20,000 |
| 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 |
| 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 One Bank & Trust, National Association's 2007 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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