One Bank & Trust, National Association Mortgage Lending & HMDA Data, 2011
In 2011, One Bank & Trust, National Association of Little Rock, AR reported 286 mortgage applications totaling $58.7 million, down 35% from 2010. The average application was for $205,188, and applicants reported an average income of $156,234. 94% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Little Rock-North Little Rock-Conway, AR (240), Hot Springs, AR (11) 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 | 286 |
| Total Mortgage Loan Application Amount | $58,684,000 |
| Average Mortgage Loan Application Amount | $205,188 |
| Highest Mortgage Loan Application Amount | $1,500,000 |
| Average Applicant Income | $156,234 |
| Highest Applicant Income | $2,174,000 |
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One Bank & Trust, National Association filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 204 | $ 43,630,000 | $ 213,872 | $ 162,000 |
| Saline, Arkansas | 24 | $ 3,724,000 | $ 155,166 | $ 74,000 |
| Garland, Arkansas | 11 | $ 2,814,000 | $ 255,818 | $ 341,000 |
| Jefferson, Arkansas | 8 | $ 533,000 | $ 66,625 | $ 42,000 |
| Lonoke, Arkansas | 6 | $ 1,289,000 | $ 214,833 | $ 139,000 |
| Faulkner, Arkansas | 5 | $ 1,044,000 | $ 208,800 | $ 84,000 |
| Cleburne, Arkansas | 4 | $ 1,115,000 | $ 278,750 | $ 240,000 |
| Drew, Arkansas | 3 | $ 240,000 | $ 80,000 | $ 50,000 |
| Conway, Arkansas | 2 | $ 427,000 | $ 213,500 | $ 81,000 |
| Phillips, Arkansas | 2 | $ 66,000 | $ 33,000 | $ 24,000 |
| Pope, Arkansas | 2 | $ 263,000 | $ 131,500 | $ 93,000 |
| Sebastian, Arkansas | 2 | $ 248,000 | $ 124,000 | $ 39,000 |
| Van Buren, Arkansas | 2 | $ 514,000 | $ 257,000 | $ 207,000 |
| White, Arkansas | 2 | $ 467,000 | $ 233,500 | $ 136,000 |
| Dallas, Arkansas | 1 | $ 60,000 | $ 60,000 | $ 80,000 |
| Franklin, Arkansas | 1 | $ 69,000 | $ 69,000 | $ 68,000 |
| Perry, Arkansas | 1 | $ 104,000 | $ 104,000 | $ 83,000 |
| Washington, Arkansas | 1 | $ 121,000 | $ 121,000 | $ 150,000 |
| Walton, Florida | 1 | $ 800,000 | $ 800,000 | $ 779,000 |
| Delaware, Ohio | 1 | $ 517,000 | $ 517,000 | $ 825,000 |
| Clatsop, Oregon | 1 | $ 200,000 | $ 200,000 | $ 103,000 |
| Shelby, Tennessee | 1 | $ 152,000 | $ 152,000 | $ 80,000 |
| Tom Green, Texas | 1 | $ 287,000 | $ 287,000 | $ 61,000 |
Mortgage Loan Application Detail Totals for One Bank & Trust, National Association in 2011
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 | 145 | $34,377,000 | $237,000 | $1,500,000 | $190,000 | $2,174,000 |
| Home Purchase | 134 | $23,560,000 | $175,000 | $1,282,000 | $109,000 | $2,084,000 |
| Home Improvement | 7 | $747,000 | $106,000 | $275,000 | $361,000 | $1,138,000 |
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 | 225 | $52,335,000 | $232,000 | $1,500,000 | $179,000 | $2,174,000 |
| Black or African American | 56 | $5,220,000 | $93,000 | $960,000 | $53,000 | $546,000 |
| Asian | 5 | $1,129,000 | $225,000 | $417,000 | $287,000 | $925,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 218 | $50,569,000 | $231,000 | $1,500,000 | $189,000 | $2,174,000 |
| FHA-insured (Federal Housing Administration) | 49 | $4,839,000 | $98,000 | $271,000 | $45,000 | $180,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 10 | $1,372,000 | $137,000 | $201,000 | $42,000 | $68,000 |
| VA-guaranteed (Veterans Administration) | 9 | $1,904,000 | $211,000 | $407,000 | $87,000 | $185,000 |
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 | 268 | $56,009,000 | $208,000 | $1,500,000 | $159,000 | $2,174,000 |
| Application Withdrawn By Applicant | 11 | $2,294,000 | $208,000 | $417,000 | $124,000 | $341,000 |
| Application Denied By Financial Institution | 7 | $381,000 | $54,000 | $61,000 | $102,000 | $152,000 |
| 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 | 5 | $273,000 | $54,000 | $61,000 | $83,000 | $83,000 |
| Other | 2 | $108,000 | $54,000 | $58,000 | $152,000 | $152,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 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 2011 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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