One Bank & Trust, National Association Mortgage Lending & HMDA Data, 2014
In 2014, One Bank & Trust, National Association of Little Rock, AR reported 214 mortgage applications totaling $56.7 million, down 7% from 2013. The average application was for $264,855, and applicants reported an average income of $249,429. 94% of its applications resulted in an originated loan and 1% were denied. Its largest markets were Little Rock-North Little Rock-Conway, AR (190), Hot Springs, AR (13) and Pine Bluff, AR (2) (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 | 214 |
| Total Mortgage Loan Application Amount | $56,679,000 |
| Average Mortgage Loan Application Amount | $264,855 |
| Highest Mortgage Loan Application Amount | $3,170,000 |
| Average Applicant Income | $249,429 |
| Highest Applicant Income | $4,359,000 |
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One Bank & Trust, National Association filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 156 | $ 43,574,000 | $ 279,320 | $ 227,000 |
| Saline, Arkansas | 15 | $ 2,776,000 | $ 185,066 | $ 126,000 |
| Garland, Arkansas | 13 | $ 5,976,000 | $ 459,692 | $ 957,000 |
| Faulkner, Arkansas | 11 | $ 1,299,000 | $ 118,090 | $ 118,000 |
| Lonoke, Arkansas | 6 | $ 705,000 | $ 117,500 | $ 73,000 |
| Cleburne, Arkansas | 3 | $ 407,000 | $ 135,666 | $ 214,000 |
| Jefferson, Arkansas | 2 | $ 195,000 | $ 97,500 | $ 155,000 |
| Van Buren, Arkansas | 2 | $ 299,000 | $ 149,500 | $ 166,000 |
| Baxter, Arkansas | 1 | $ 272,000 | $ 272,000 | $ 225,000 |
| Grant, Arkansas | 1 | $ 105,000 | $ 105,000 | $ 45,000 |
| Perry, Arkansas | 1 | $ 417,000 | $ 417,000 | $ 60,000 |
| Washington, Arkansas | 1 | $ 94,000 | $ 94,000 | $ 118,000 |
| Walton, Florida | 1 | $ 400,000 | $ 400,000 | $ 200,000 |
| McCurtain, Oklahoma | 1 | $ 160,000 | $ 160,000 | $ 100,000 |
Mortgage Loan Application Detail Totals for One Bank & Trust, National Association in 2014
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 | 115 | $25,899,000 | $225,000 | $815,000 | $193,000 | $1,060,000 |
| Refinancing | 89 | $29,270,000 | $328,000 | $3,170,000 | $327,000 | $4,359,000 |
| Home Improvement | 10 | $1,510,000 | $151,000 | $665,000 | $208,000 | $811,000 |
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 | 175 | $41,881,000 | $239,000 | $1,452,000 | $237,000 | $3,175,000 |
| Not applicable | 20 | $10,349,000 | $517,000 | $3,170,000 | $248,000 | $1,060,000 |
| Black or African American | 11 | $1,088,000 | $98,000 | $274,000 | $97,000 | $190,000 |
| Asian | 5 | $1,841,000 | $368,000 | $880,000 | $313,000 | $434,000 |
| Hispanic | 3 | $1,520,000 | $506,000 | $1,000,000 | $1,483,000 | $4,359,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 197 | $53,633,000 | $272,000 | $3,170,000 | $264,000 | $4,359,000 |
| FHA-insured (Federal Housing Administration) | 13 | $2,378,000 | $182,000 | $417,000 | $75,000 | $152,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $459,000 | $153,000 | $160,000 | $105,000 | $240,000 |
| VA-guaranteed (Veterans Administration) | 1 | $209,000 | $209,000 | $209,000 | $98,000 | $98,000 |
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 | 201 | $53,298,000 | $265,000 | $3,170,000 | $257,000 | $4,359,000 |
| Application Withdrawn By Applicant | 11 | $3,163,000 | $287,000 | $476,000 | $154,000 | $413,000 |
| Application Denied By Financial Institution | 2 | $218,000 | $109,000 | $160,000 | $93,000 | $142,000 |
| 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 | 2 | $218,000 | $109,000 | $160,000 | $93,000 | $142,000 |
| 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 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into One Bank & Trust, National Association's 2014 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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