One Bank & Trust, National Association Mortgage Lending & HMDA Data, 2008
In 2008, One Bank & Trust, National Association of Little Rock, AR reported 310 mortgage applications totaling $63.6 million, about the same as 2007. The average application was for $205,219, and applicants reported an average income of $146,506. 94% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Little Rock-North Little Rock-Conway, AR (264), Hot Springs, AR (13) and Fayetteville-Springdale-Rogers, AR-MO (6) (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 | 310 |
| Total Mortgage Loan Application Amount | $63,618,000 |
| Average Mortgage Loan Application Amount | $205,219 |
| Highest Mortgage Loan Application Amount | $3,300,000 |
| Average Applicant Income | $146,506 |
| Highest Applicant Income | $943,000 |
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One Bank & Trust, National Association filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 225 | $ 46,415,000 | $ 206,288 | $ 147,000 |
| Saline, Arkansas | 26 | $ 3,952,000 | $ 152,000 | $ 106,000 |
| Garland, Arkansas | 13 | $ 2,959,000 | $ 227,615 | $ 224,000 |
| Cleburne, Arkansas | 8 | $ 1,683,000 | $ 210,375 | $ 237,000 |
| Faulkner, Arkansas | 8 | $ 1,903,000 | $ 237,875 | $ 172,000 |
| Lonoke, Arkansas | 5 | $ 763,000 | $ 152,600 | $ 72,000 |
| Washington, Arkansas | 5 | $ 647,000 | $ 129,400 | $ 197,000 |
| Jefferson, Arkansas | 2 | $ 225,000 | $ 112,500 | $ 75,000 |
| Van Buren, Arkansas | 2 | $ 138,000 | $ 69,000 | $ 105,000 |
| Benton, Arkansas | 1 | $ 287,000 | $ 287,000 | $ 90,000 |
| Cleveland, Arkansas | 1 | $ 162,000 | $ 162,000 | $ 84,000 |
| Lincoln, Arkansas | 1 | $ 157,000 | $ 157,000 | $ 34,000 |
| Miller, Arkansas | 1 | $ 53,000 | $ 53,000 | $ 41,000 |
| Montgomery, Arkansas | 1 | $ 150,000 | $ 150,000 | $ 0 |
| Phillips, Arkansas | 1 | $ 139,000 | $ 139,000 | $ 59,000 |
| White, Arkansas | 1 | $ 200,000 | $ 200,000 | $ 108,000 |
| Bay, Florida | 1 | $ 1,500,000 | $ 1,500,000 | $ 680,000 |
| Palm Beach, Florida | 1 | $ 1,000,000 | $ 1,000,000 | $ 100,000 |
| Rockland, New York | 1 | $ 417,000 | $ 417,000 | $ 115,000 |
| Tom Green, Texas | 1 | $ 204,000 | $ 204,000 | $ 61,000 |
Mortgage Loan Application Detail Totals for One Bank & Trust, National Association in 2008
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 | 169 | $30,698,000 | $181,000 | $725,000 | $136,000 | $610,000 |
| Refinancing | 119 | $31,368,000 | $263,000 | $3,300,000 | $163,000 | $680,000 |
| Home Improvement | 22 | $1,552,000 | $70,000 | $300,000 | $138,000 | $943,000 |
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 | 281 | $56,363,000 | $200,000 | $1,500,000 | $153,000 | $943,000 |
| Black or African American | 17 | $2,209,000 | $129,000 | $230,000 | $43,000 | $80,000 |
| Asian | 7 | $1,131,000 | $161,000 | $236,000 | $108,000 | $232,000 |
| American Indian or Alaskan Native | 3 | $3,773,000 | $1,257,000 | $3,300,000 | $270,000 | $602,000 |
| Not Provided | 1 | $82,000 | $82,000 | $82,000 | $19,000 | $19,000 |
| Hispanic | 1 | $60,000 | $60,000 | $60,000 | $260,000 | $260,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 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) | 267 | $57,136,000 | $213,000 | $3,300,000 | $161,000 | $943,000 |
| FHA-insured (Federal Housing Administration) | 43 | $6,482,000 | $150,000 | $261,000 | $58,000 | $165,000 |
| 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 | 290 | $58,065,000 | $200,000 | $3,300,000 | $149,000 | $943,000 |
| Application Denied By Financial Institution | 12 | $2,683,000 | $223,000 | $1,000,000 | $83,000 | $240,000 |
| Application Withdrawn By Applicant | 8 | $2,870,000 | $358,000 | $1,240,000 | $137,000 | $420,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 6 | $2,122,000 | $353,000 | $1,000,000 | $106,000 | $240,000 |
| Debt-To-Income Ratio | 3 | $213,000 | $71,000 | $97,000 | $20,000 | $26,000 |
| Other | 3 | $348,000 | $116,000 | $165,000 | $102,000 | $159,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into One Bank & Trust, National Association's 2008 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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