One Bank & Trust, National Association Mortgage Lending & HMDA Data, 2005
In 2005, One Bank & Trust, National Association of Little Rock, AR reported 343 mortgage applications totaling $64.0 million, up 7% from 2004. The average application was for $186,705, and applicants reported an average income of $127,344. 98% of its applications resulted in an originated loan and 1% were denied. Its largest markets were Little Rock-North Little Rock, AR (306), Hot Springs, AR (8) and Fayetteville-Springdale-Rogers, AR-MO (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 | 343 |
| Total Mortgage Loan Application Amount | $64,040,000 |
| Average Mortgage Loan Application Amount | $186,705 |
| Highest Mortgage Loan Application Amount | $1,500,000 |
| Average Applicant Income | $127,344 |
| Highest Applicant Income | $1,200,000 |
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One Bank & Trust, National Association filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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, AR | 306 | $ 56,283,000 | $ 183,931 | $ 103,000 |
| Hot Springs, AR | 8 | $ 2,038,000 | $ 254,750 | $ 346,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 5 | $ 930,000 | $ 186,000 | $ 88,000 |
| Pine Bluff, AR | 4 | $ 621,000 | $ 155,250 | $ 109,000 |
| Texarkana, Tx-Texarkana, AR | 2 | $ 341,000 | $ 170,500 | $ 153,000 |
| Cleveland-Elyria-Mentor, OH | 1 | $ 171,000 | $ 171,000 | $ 345,000 |
| Edison, NJ | 1 | $ 150,000 | $ 150,000 | $ 164,000 |
| Santa Fe, NM | 1 | $ 224,000 | $ 224,000 | $ 103,000 |
| Tulsa, OK | 1 | $ 668,000 | $ 668,000 | $ 500,000 |
Mortgage Loan Application Detail Totals for One Bank & Trust, National Association in 2005
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 | 215 | $39,725,000 | $294,000 | $1,390,000 | $223,833 | $878,000 |
| Refinancing | 107 | $23,129,000 | $183,000 | $1,500,000 | $152,500 | $1,200,000 |
| Home Improvement | 21 | $1,186,000 | $56,000 | $228,000 | $61,000 | $500,000 |
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 | 308 | $59,947,000 | $270,142 | $1,500,000 | $211,142 | $1,200,000 |
| Black or African American | 15 | $1,505,000 | $100,000 | $158,000 | $42,000 | $115,000 |
| Hispanic | 7 | $1,068,000 | $152,000 | $460,000 | $83,000 | $300,000 |
| Not Provided | 7 | $752,000 | $148,000 | $338,000 | $185,000 | $850,000 |
| Asian | 4 | $423,000 | $105,000 | $150,000 | $65,000 | $119,000 |
| American Indian or Alaskan Native | 2 | $345,000 | $172,000 | $212,000 | $125,000 | $172,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 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) | 342 | $63,948,000 | $274,000 | $1,500,000 | $214,714 | $1,200,000 |
| VA-guaranteed (Veterans Administration) | 1 | $92,000 | $92,000 | $92,000 | $31,000 | $31,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 336 | $62,032,000 | $273,571 | $1,390,000 | $213,857 | $878,000 |
| Application Denied By Financial Institution | 4 | $339,000 | $84,000 | $126,000 | $30,000 | $62,000 |
| Application Withdrawn By Applicant | 3 | $1,669,000 | $556,000 | $1,500,000 | $419,000 | $1,200,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 | $183,000 | $91,000 | $92,000 | $15,000 | $31,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $126,000 | $126,000 | $126,000 | $27,000 | $27,000 |
| Credit History | 1 | $30,000 | $30,000 | $30,000 | $62,000 | $62,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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 2005 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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