One Bank & Trust, National Association Mortgage Lending & HMDA Data, 2015
In 2015, One Bank & Trust, National Association of Little Rock, AR reported 245 mortgage applications totaling $58.8 million, up 14% from 2014. The average application was for $239,914, and applicants reported an average income of $159,359. 86% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Little Rock-North Little Rock-Conway, AR (211), Fayetteville-Springdale-Rogers, AR-MO (6) and Hot Springs, AR (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 | 245 |
| Total Mortgage Loan Application Amount | $58,779,000 |
| Average Mortgage Loan Application Amount | $239,914 |
| Highest Mortgage Loan Application Amount | $1,575,000 |
| Average Applicant Income | $159,359 |
| Highest Applicant Income | $1,079,000 |
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One Bank & Trust, National Association filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 162 | $ 39,876,000 | $ 246,148 | $ 160,000 |
| Saline, Arkansas | 32 | $ 7,791,000 | $ 243,468 | $ 180,000 |
| Lonoke, Arkansas | 10 | $ 1,194,000 | $ 119,400 | $ 132,000 |
| Faulkner, Arkansas | 7 | $ 2,684,000 | $ 383,428 | $ 181,000 |
| Garland, Arkansas | 6 | $ 1,521,000 | $ 253,500 | $ 244,000 |
| Washington, Arkansas | 4 | $ 1,022,000 | $ 255,500 | $ 154,000 |
| Benton, Arkansas | 2 | $ 744,000 | $ 372,000 | $ 109,000 |
| Bradley, Arkansas | 2 | $ 109,000 | $ 54,500 | $ 32,000 |
| Jefferson, Arkansas | 2 | $ 198,000 | $ 99,000 | $ 95,000 |
| Van Buren, Arkansas | 2 | $ 197,000 | $ 98,500 | $ 8,000 |
| Harris, Texas | 2 | $ 470,000 | $ 235,000 | $ 208,000 |
| Conway, Arkansas | 1 | $ 131,000 | $ 131,000 | $ 45,000 |
| Craighead, Arkansas | 1 | $ 145,000 | $ 145,000 | $ 71,000 |
| Hot Spring, Arkansas | 1 | $ 123,000 | $ 123,000 | $ 30,000 |
| Izard, Arkansas | 1 | $ 260,000 | $ 260,000 | $ 318,000 |
| Montgomery, Arkansas | 1 | $ 100,000 | $ 100,000 | $ 242,000 |
| Ouachita, Arkansas | 1 | $ 231,000 | $ 231,000 | $ 61,000 |
| Phillips, Arkansas | 1 | $ 65,000 | $ 65,000 | $ 18,000 |
| White, Arkansas | 1 | $ 432,000 | $ 432,000 | $ 200,000 |
| Sutter, California | 1 | $ 170,000 | $ 170,000 | $ 82,000 |
| El Paso, Colorado | 1 | $ 215,000 | $ 215,000 | $ 58,000 |
| Summit, Colorado | 1 | $ 456,000 | $ 456,000 | $ 315,000 |
| Wagoner, Oklahoma | 1 | $ 144,000 | $ 144,000 | $ 192,000 |
| Jefferson, Texas | 1 | $ 268,000 | $ 268,000 | $ 106,000 |
| Smith, Texas | 1 | $ 233,000 | $ 233,000 | $ 129,000 |
Mortgage Loan Application Detail Totals for One Bank & Trust, National Association in 2015
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 | 143 | $32,387,000 | $226,000 | $1,575,000 | $155,000 | $1,079,000 |
| Refinancing | 100 | $26,345,000 | $263,000 | $1,320,000 | $167,000 | $711,000 |
| Home Improvement | 2 | $47,000 | $23,000 | $25,000 | $89,000 | $150,000 |
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 | 179 | $42,990,000 | $240,000 | $1,320,000 | $145,000 | $711,000 |
| Not applicable | 28 | $8,137,000 | $290,000 | $1,575,000 | $309,000 | $1,079,000 |
| Black or African American | 21 | $2,792,000 | $132,000 | $527,000 | $72,000 | $163,000 |
| Asian | 11 | $3,763,000 | $342,000 | $1,095,000 | $212,000 | $377,000 |
| Hispanic | 4 | $543,000 | $135,000 | $235,000 | $88,000 | $154,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $170,000 | $170,000 | $170,000 | $82,000 | $82,000 |
| American Indian or Alaskan Native | 1 | $384,000 | $384,000 | $384,000 | $284,000 | $284,000 |
| 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) | 198 | $50,751,000 | $256,000 | $1,575,000 | $183,000 | $1,079,000 |
| FHA-insured (Federal Housing Administration) | 31 | $4,644,000 | $149,000 | $276,000 | $61,000 | $102,000 |
| VA-guaranteed (Veterans Administration) | 11 | $2,806,000 | $255,000 | $378,000 | $78,000 | $126,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $578,000 | $115,000 | $176,000 | $40,000 | $72,000 |
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 | 211 | $53,071,000 | $251,000 | $1,575,000 | $169,000 | $1,079,000 |
| Application Withdrawn By Applicant | 25 | $4,783,000 | $191,000 | $527,000 | $121,000 | $566,000 |
| Application Denied By Financial Institution | 9 | $925,000 | $102,000 | $235,000 | $58,000 | $111,000 |
| 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 | 5 | $457,000 | $91,000 | $187,000 | $45,000 | $82,000 |
| Other | 2 | $383,000 | $191,000 | $235,000 | $98,000 | $111,000 |
| Collateral | 1 | $20,000 | $20,000 | $20,000 | $83,000 | $83,000 |
| Debt-To-Income Ratio | 1 | $65,000 | $65,000 | $65,000 | $18,000 | $18,000 |
| 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 |
| Credit Application Incomplete | 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 2015 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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