One Bank & Trust, National Association Mortgage Lending & HMDA Data, 2009
In 2009, One Bank & Trust, National Association of Little Rock, AR reported 550 mortgage applications totaling $110.8 million, up 77% from 2008. The average application was for $201,501, and applicants reported an average income of $143,187. 96% of its applications resulted in an originated loan and 1% were denied. Its largest markets were Little Rock-North Little Rock-Conway, AR (460), Hot Springs, AR (28) and Pine Bluff, AR (8) (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 | 550 |
| Total Mortgage Loan Application Amount | $110,826,000 |
| Average Mortgage Loan Application Amount | $201,501 |
| Highest Mortgage Loan Application Amount | $1,390,000 |
| Average Applicant Income | $143,187 |
| Highest Applicant Income | $1,401,000 |
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One Bank & Trust, National Association filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 460 | $ 92,256,000 | $ 200,556 | $ 135,000 |
| Hot Springs, AR | 28 | $ 6,038,000 | $ 215,642 | $ 237,000 |
| Pine Bluff, AR | 8 | $ 1,109,000 | $ 138,625 | $ 62,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 5 | $ 1,459,000 | $ 291,800 | $ 138,000 |
| Austin-Round Rock, TX | 2 | $ 476,000 | $ 238,000 | $ 172,000 |
| Savannah, GA | 2 | $ 672,000 | $ 336,000 | $ 756,000 |
| Texarkana, Tx-Texarkana, AR | 2 | $ 314,000 | $ 157,000 | $ 261,500 |
| Edison-New Brunswick, NJ | 1 | $ 417,000 | $ 417,000 | $ 178,000 |
| Evansville, IN-KY | 1 | $ 123,000 | $ 123,000 | $ 150,000 |
| Fort Smith, AR-OK | 1 | $ 121,000 | $ 121,000 | $ 136,000 |
| Houston-Sugar Land-Baytown, TX | 1 | $ 212,000 | $ 212,000 | $ 138,000 |
| Jonesboro, AR | 1 | $ 258,000 | $ 258,000 | $ 216,000 |
| Memphis, TN-MS-AR | 1 | $ 314,000 | $ 314,000 | $ 212,000 |
| Salt Lake City, UT | 1 | $ 600,000 | $ 600,000 | $ 240,000 |
| Springfield, MO | 1 | $ 113,000 | $ 113,000 | $ 85,000 |
| Wichita, KS | 1 | $ 189,000 | $ 189,000 | $ 72,000 |
Mortgage Loan Application Detail Totals for One Bank & Trust, National Association in 2009
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 | 291 | $67,970,000 | $233,000 | $1,390,000 | $149,000 | $1,401,000 |
| Home Purchase | 243 | $41,215,000 | $169,000 | $765,000 | $134,000 | $1,296,000 |
| Home Improvement | 16 | $1,641,000 | $102,000 | $765,000 | $177,000 | $550,000 |
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 | 468 | $100,359,000 | $214,000 | $1,390,000 | $158,000 | $1,401,000 |
| Black or African American | 61 | $6,568,000 | $107,000 | $346,000 | $50,000 | $402,000 |
| Asian | 11 | $2,246,000 | $204,000 | $417,000 | $105,000 | $238,000 |
| Hispanic | 8 | $1,449,000 | $181,000 | $414,000 | $72,000 | $190,000 |
| Not Provided | 2 | $204,000 | $102,000 | $113,000 | $59,000 | $85,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 487 | $102,336,000 | $210,000 | $1,390,000 | $155,000 | $1,401,000 |
| FHA-insured (Federal Housing Administration) | 55 | $7,004,000 | $127,000 | $250,000 | $56,000 | $124,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $727,000 | $145,000 | $161,000 | $53,000 | $70,000 |
| VA-guaranteed (Veterans Administration) | 3 | $759,000 | $253,000 | $346,000 | $45,000 | $95,000 |
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 | 527 | $107,095,000 | $203,000 | $1,390,000 | $146,000 | $1,401,000 |
| Application Withdrawn By Applicant | 17 | $2,914,000 | $171,000 | $675,000 | $86,000 | $271,000 |
| Application Denied By Financial Institution | 6 | $817,000 | $136,000 | $250,000 | $38,000 | $85,000 |
| 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 | $750,000 | $150,000 | $250,000 | $42,000 | $85,000 |
| Debt-To-Income Ratio | 1 | $67,000 | $67,000 | $67,000 | $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 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into One Bank & Trust, National Association's 2009 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.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About