One Bank & Trust, National Association Mortgage Lending & HMDA Data, 2010
In 2010, One Bank & Trust, National Association of Little Rock, AR reported 438 mortgage applications totaling $88.1 million, down 20% from 2009. The average application was for $201,045, and applicants reported an average income of $143,456. 89% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Little Rock-North Little Rock-Conway, AR (361), Hot Springs, AR (16) and Pine Bluff, AR (8) (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 | 438 |
| Total Mortgage Loan Application Amount | $88,058,000 |
| Average Mortgage Loan Application Amount | $201,045 |
| Highest Mortgage Loan Application Amount | $1,395,000 |
| Average Applicant Income | $143,456 |
| Highest Applicant Income | $1,375,000 |
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One Bank & Trust, National Association filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 288 | $ 62,861,000 | $ 218,267 | $ 159,000 |
| Saline, Arkansas | 39 | $ 4,877,000 | $ 125,051 | $ 63,000 |
| Faulkner, Arkansas | 21 | $ 3,979,000 | $ 189,476 | $ 94,000 |
| Garland, Arkansas | 16 | $ 3,461,000 | $ 216,312 | $ 261,000 |
| Lonoke, Arkansas | 8 | $ 1,552,000 | $ 194,000 | $ 87,000 |
| Jefferson, Arkansas | 7 | $ 1,026,000 | $ 146,571 | $ 70,000 |
| Cleburne, Arkansas | 5 | $ 780,000 | $ 156,000 | $ 141,000 |
| Grant, Arkansas | 4 | $ 653,000 | $ 163,250 | $ 69,000 |
| Crittenden, Arkansas | 3 | $ 557,000 | $ 185,666 | $ 171,000 |
| Hot Spring, Arkansas | 3 | $ 517,000 | $ 172,333 | $ 84,000 |
| Montgomery, Arkansas | 3 | $ 419,000 | $ 139,666 | $ 104,000 |
| Prairie, Arkansas | 3 | $ 445,000 | $ 148,333 | $ 73,000 |
| Van Buren, Arkansas | 3 | $ 483,000 | $ 161,000 | $ 126,000 |
| Washington, Arkansas | 3 | $ 566,000 | $ 188,666 | $ 242,000 |
| White, Arkansas | 2 | $ 314,000 | $ 157,000 | $ 68,000 |
| Mobile, Alabama | 1 | $ 258,000 | $ 258,000 | $ 62,000 |
| Clark, Arkansas | 1 | $ 112,000 | $ 112,000 | $ 58,000 |
| Conway, Arkansas | 1 | $ 142,000 | $ 142,000 | $ 72,000 |
| Craighead, Arkansas | 1 | $ 236,000 | $ 236,000 | $ 47,000 |
| Cross, Arkansas | 1 | $ 136,000 | $ 136,000 | $ 104,000 |
| Dallas, Arkansas | 1 | $ 112,000 | $ 112,000 | $ 25,000 |
| Jackson, Arkansas | 1 | $ 137,000 | $ 137,000 | $ 541,000 |
| Lincoln, Arkansas | 1 | $ 116,000 | $ 116,000 | $ 71,000 |
| Monroe, Arkansas | 1 | $ 168,000 | $ 168,000 | $ 107,000 |
| Nevada, Arkansas | 1 | $ 138,000 | $ 138,000 | $ 39,000 |
| Perry, Arkansas | 1 | $ 186,000 | $ 186,000 | $ 112,000 |
| Pike, Arkansas | 1 | $ 166,000 | $ 166,000 | $ 58,000 |
| Pope, Arkansas | 1 | $ 139,000 | $ 139,000 | $ 39,000 |
| Sebastian, Arkansas | 1 | $ 165,000 | $ 165,000 | $ 147,000 |
| Union, Arkansas | 1 | $ 100,000 | $ 100,000 | $ 50,000 |
| Woodruff, Arkansas | 1 | $ 149,000 | $ 149,000 | $ 89,000 |
| Stanislaus, California | 1 | $ 136,000 | $ 136,000 | $ 139,000 |
| El Paso, Colorado | 1 | $ 231,000 | $ 231,000 | $ 74,000 |
| Hartford, Connecticut | 1 | $ 331,000 | $ 331,000 | $ 105,000 |
| Durham, North Carolina | 1 | $ 164,000 | $ 164,000 | $ 133,000 |
| Franklin, Ohio | 1 | $ 400,000 | $ 400,000 | $ 379,000 |
| Oklahoma, Oklahoma | 1 | $ 285,000 | $ 285,000 | $ 185,000 |
| Shelby, Tennessee | 1 | $ 100,000 | $ 100,000 | $ 585,000 |
| Montgomery, Texas | 1 | $ 142,000 | $ 142,000 | $ 93,000 |
| Tom Green, Texas | 1 | $ 217,000 | $ 217,000 | $ 61,000 |
| Alexandria, Virginia | 1 | $ 400,000 | $ 400,000 | $ 168,000 |
Mortgage Loan Application Detail Totals for One Bank & Trust, National Association in 2010
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 | 218 | $39,361,000 | $180,000 | $1,395,000 | $125,000 | $1,375,000 |
| Refinancing | 202 | $46,994,000 | $232,000 | $779,000 | $157,000 | $750,000 |
| Home Improvement | 18 | $1,703,000 | $94,000 | $600,000 | $215,000 | $432,000 |
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 | 368 | $80,259,000 | $218,000 | $1,395,000 | $160,000 | $1,375,000 |
| Black or African American | 59 | $6,007,000 | $101,000 | $264,000 | $49,000 | $135,000 |
| Asian | 6 | $1,339,000 | $223,000 | $417,000 | $106,000 | $189,000 |
| Hispanic | 3 | $348,000 | $116,000 | $207,000 | $52,000 | $56,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $43,000 | $43,000 | $43,000 | $125,000 | $125,000 |
| American Indian or Alaskan Native | 1 | $62,000 | $62,000 | $62,000 | $209,000 | $209,000 |
| Not applicable | 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) | 306 | $69,983,000 | $228,000 | $1,395,000 | $178,000 | $1,375,000 |
| FHA-insured (Federal Housing Administration) | 116 | $15,858,000 | $136,000 | $270,000 | $64,000 | $374,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 12 | $1,708,000 | $142,000 | $169,000 | $51,000 | $71,000 |
| VA-guaranteed (Veterans Administration) | 4 | $509,000 | $127,000 | $173,000 | $60,000 | $75,000 |
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 | 392 | $79,408,000 | $202,000 | $1,395,000 | $147,000 | $1,375,000 |
| Application Withdrawn By Applicant | 34 | $6,062,000 | $178,000 | $417,000 | $128,000 | $800,000 |
| Application Denied By Financial Institution | 12 | $2,588,000 | $215,000 | $310,000 | $81,000 | $185,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 8 | $1,820,000 | $227,000 | $310,000 | $74,000 | $185,000 |
| Credit History | 4 | $768,000 | $192,000 | $247,000 | $96,000 | $123,000 |
| 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into One Bank & Trust, National Association's 2010 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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