One Bank & Trust, National Association Mortgage Lending & HMDA Data, 2012
In 2012, One Bank & Trust, National Association of Little Rock, AR reported 276 mortgage applications totaling $63.5 million, down 3% from 2011. The average application was for $229,916, and applicants reported an average income of $170,771. 94% of its applications resulted in an originated loan and 1% were denied. Its largest markets were Little Rock-North Little Rock-Conway, AR (229), Hot Springs, AR (14) and Pine Bluff, AR (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 | 276 |
| Total Mortgage Loan Application Amount | $63,457,000 |
| Average Mortgage Loan Application Amount | $229,916 |
| Highest Mortgage Loan Application Amount | $1,120,000 |
| Average Applicant Income | $170,771 |
| Highest Applicant Income | $1,821,000 |
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One Bank & Trust, National Association filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 195 | $ 47,097,000 | $ 241,523 | $ 169,000 |
| Saline, Arkansas | 18 | $ 2,522,000 | $ 140,111 | $ 83,000 |
| Garland, Arkansas | 14 | $ 3,762,000 | $ 268,714 | $ 206,000 |
| Lonoke, Arkansas | 7 | $ 1,507,000 | $ 215,285 | $ 134,000 |
| Faulkner, Arkansas | 5 | $ 973,000 | $ 194,600 | $ 129,000 |
| Jefferson, Arkansas | 5 | $ 614,000 | $ 122,800 | $ 135,000 |
| Cleburne, Arkansas | 4 | $ 1,130,000 | $ 282,500 | $ 218,000 |
| Washington, Arkansas | 3 | $ 501,000 | $ 167,000 | $ 173,000 |
| White, Arkansas | 3 | $ 827,000 | $ 275,666 | $ 314,000 |
| Grant, Arkansas | 2 | $ 183,000 | $ 91,500 | $ 52,000 |
| Perry, Arkansas | 2 | $ 287,000 | $ 143,500 | $ 75,000 |
| Van Buren, Arkansas | 2 | $ 320,000 | $ 160,000 | $ 324,000 |
| Delaware, Ohio | 2 | $ 817,000 | $ 408,500 | $ 328,000 |
| Tuscaloosa, Alabama | 1 | $ 195,000 | $ 195,000 | $ 192,000 |
| Pima, Arizona | 1 | $ 101,000 | $ 101,000 | $ 105,000 |
| Chicot, Arkansas | 1 | $ 149,000 | $ 149,000 | $ 0 |
| Drew, Arkansas | 1 | $ 280,000 | $ 280,000 | $ 151,000 |
| Hot Spring, Arkansas | 1 | $ 218,000 | $ 218,000 | $ 210,000 |
| Monroe, Arkansas | 1 | $ 70,000 | $ 70,000 | $ 98,000 |
| Hillsborough, Florida | 1 | $ 75,000 | $ 75,000 | $ 45,000 |
| Walton, Florida | 1 | $ 402,000 | $ 402,000 | $ 200,000 |
| Chatham, Georgia | 1 | $ 405,000 | $ 405,000 | $ 500,000 |
| Cook, Illinois | 1 | $ 99,000 | $ 99,000 | $ 82,000 |
| Carteret, North Carolina | 1 | $ 155,000 | $ 155,000 | $ 154,000 |
| Shelby, Tennessee | 1 | $ 265,000 | $ 265,000 | $ 500,000 |
| Collin, Texas | 1 | $ 364,000 | $ 364,000 | $ 1,375,000 |
| Tarrant, Texas | 1 | $ 139,000 | $ 139,000 | $ 46,000 |
Mortgage Loan Application Detail Totals for One Bank & Trust, National Association in 2012
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 | 165 | $42,964,000 | $260,000 | $1,120,000 | $191,000 | $1,598,000 |
| Home Purchase | 101 | $19,889,000 | $196,000 | $780,000 | $138,000 | $1,821,000 |
| Home Improvement | 10 | $604,000 | $60,000 | $150,000 | $168,000 | $300,000 |
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 | 237 | $58,091,000 | $245,000 | $1,120,000 | $183,000 | $1,821,000 |
| Black or African American | 27 | $3,178,000 | $117,000 | $328,000 | $69,000 | $201,000 |
| Asian | 7 | $1,629,000 | $232,000 | $415,000 | $181,000 | $283,000 |
| Hispanic | 5 | $559,000 | $111,000 | $196,000 | $104,000 | $244,000 |
| 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 |
| 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) | 233 | $57,572,000 | $247,000 | $1,120,000 | $189,000 | $1,821,000 |
| FHA-insured (Federal Housing Administration) | 32 | $4,110,000 | $128,000 | $417,000 | $73,000 | $650,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $941,000 | $156,000 | $180,000 | $45,000 | $64,000 |
| VA-guaranteed (Veterans Administration) | 5 | $834,000 | $166,000 | $255,000 | $78,000 | $109,000 |
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 | 260 | $58,992,000 | $226,000 | $1,120,000 | $172,000 | $1,821,000 |
| Application Withdrawn By Applicant | 13 | $3,928,000 | $302,000 | $1,000,000 | $159,000 | $387,000 |
| Application Denied By Financial Institution | 3 | $537,000 | $179,000 | $268,000 | $110,000 | $229,000 |
| 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 | 1 | $66,000 | $66,000 | $66,000 | $22,000 | $22,000 |
| Debt-To-Income Ratio | 1 | $203,000 | $203,000 | $203,000 | $80,000 | $80,000 |
| Collateral | 1 | $268,000 | $268,000 | $268,000 | $229,000 | $229,000 |
| 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 2012 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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