One Bank & Trust, National Association Mortgage Lending & HMDA Data, 2018
In 2018, One Bank & Trust, National Association of Little Rock, AR reported 71 mortgage applications totaling $17.1 million, down 64% from 2017. The average application was for $241,197, and applicants reported an average income of $229,788. 82% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Little Rock-North Little Rock-Conway, AR (61), Hot Springs, AR (3) and Dallas-Plano-Irving, TX (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 | 71 |
| Total Mortgage Loan Application Amount | $17,125,000 |
| Average Mortgage Loan Application Amount | $241,197 |
| Highest Mortgage Loan Application Amount | $1,045,000 |
| Average Applicant Income | $229,788 |
| Highest Applicant Income | $2,018,000 |
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One Bank & Trust, National Association filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Little Rock-North Little Rock-Conway, AR | 61 | $ 13,635,000 | $ 223,524 | $ 201,000 |
| Hot Springs, AR | 3 | $ 445,000 | $ 148,333 | $ 772,000 |
| Dallas-Plano-Irving, TX | 2 | $ 710,000 | $ 355,000 | $ 310,000 |
| Anaheim-Santa Ana-Irvine, CA | 1 | $ 1,045,000 | $ 1,045,000 | $ 96,000 |
| Atlanta-Sandy Springs-Roswell, GA | 1 | $ 805,000 | $ 805,000 | $ 0 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 135,000 | $ 135,000 | $ 108,000 |
| Houston-The Woodlands-Sugar Land, TX | 1 | $ 145,000 | $ 145,000 | $ 150,000 |
| Outside any metro area | 1 | $ 205,000 | $ 205,000 | $ 66,000 |
Mortgage Loan Application Detail Totals for One Bank & Trust, National Association in 2018
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 | 41 | $10,765,000 | $262,000 | $1,045,000 | $240,000 | $862,000 |
| Refinancing | 23 | $5,175,000 | $225,000 | $455,000 | $243,000 | $2,018,000 |
| Cash-out Refinancing | 6 | $1,050,000 | $175,000 | $385,000 | $98,000 | $201,000 |
| Other Purpose | 1 | $135,000 | $135,000 | $135,000 | $298,000 | $298,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 46 | $12,510,000 | $271,000 | $1,045,000 | $253,000 | $2,018,000 |
| Not Provided | 10 | $1,190,000 | $119,000 | $275,000 | $93,000 | $225,000 |
| Not applicable | 6 | $2,080,000 | $346,000 | $805,000 | $0 | $0 |
| Black or African American | 6 | $720,000 | $120,000 | $395,000 | $128,000 | $140,000 |
| Asian | 3 | $625,000 | $208,000 | $365,000 | $320,000 | $707,000 |
| 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 |
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) | 69 | $16,695,000 | $241,000 | $1,045,000 | $233,000 | $2,018,000 |
| FHA-insured (Federal Housing Administration) | 1 | $275,000 | $275,000 | $275,000 | $84,000 | $84,000 |
| VA-guaranteed (Veterans Administration) | 1 | $155,000 | $155,000 | $155,000 | $58,000 | $58,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 58 | $14,090,000 | $242,000 | $805,000 | $247,000 | $2,018,000 |
| Application Withdrawn By Applicant | 7 | $2,195,000 | $313,000 | $1,045,000 | $130,000 | $480,000 |
| Application Denied By Financial Institution | 3 | $515,000 | $171,000 | $325,000 | $298,000 | $476,000 |
| Application Approved But Not Accepted | 2 | $220,000 | $110,000 | $115,000 | $143,000 | $204,000 |
| File Closed For Incompleteness | 1 | $105,000 | $105,000 | $105,000 | $36,000 | $36,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 68 | $16,610,000 | $244,000 | $1,045,000 | $225,000 | $2,018,000 |
| Other | 1 | $325,000 | $325,000 | $325,000 | $476,000 | $476,000 |
| Unverifiable Information | 1 | $75,000 | $75,000 | $75,000 | $0 | $0 |
| Credit History | 1 | $115,000 | $115,000 | $115,000 | $120,000 | $120,000 |
| Debt-To-Income Ratio | 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 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into One Bank & Trust, National Association's 2018 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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