One Bank & Trust, National Association Mortgage Lending & HMDA Data, 2008
In 2008, One Bank & Trust, National Association of Little Rock, AR reported 310 mortgage applications totaling $63.6 million, about the same as 2007. The average application was for $205,219, and applicants reported an average income of $146,506. 94% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Little Rock-North Little Rock-Conway, AR (264), Hot Springs, AR (13) and Fayetteville-Springdale-Rogers, AR-MO (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 | 310 |
| Total Mortgage Loan Application Amount | $63,618,000 |
| Average Mortgage Loan Application Amount | $205,219 |
| Highest Mortgage Loan Application Amount | $3,300,000 |
| Average Applicant Income | $146,506 |
| Highest Applicant Income | $943,000 |
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One Bank & Trust, National Association filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for One Bank & Trust, National Association in 2008
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 | 169 | $30,698,000 | $181,000 | $725,000 | $136,000 | $610,000 |
| Refinancing | 119 | $31,368,000 | $263,000 | $3,300,000 | $163,000 | $680,000 |
| Home Improvement | 22 | $1,552,000 | $70,000 | $300,000 | $138,000 | $943,000 |
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 | 281 | $56,363,000 | $200,000 | $1,500,000 | $153,000 | $943,000 |
| Black or African American | 17 | $2,209,000 | $129,000 | $230,000 | $43,000 | $80,000 |
| Asian | 7 | $1,131,000 | $161,000 | $236,000 | $108,000 | $232,000 |
| American Indian or Alaskan Native | 3 | $3,773,000 | $1,257,000 | $3,300,000 | $270,000 | $602,000 |
| Not Provided | 1 | $82,000 | $82,000 | $82,000 | $19,000 | $19,000 |
| Hispanic | 1 | $60,000 | $60,000 | $60,000 | $260,000 | $260,000 |
| 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) | 267 | $57,136,000 | $213,000 | $3,300,000 | $161,000 | $943,000 |
| FHA-insured (Federal Housing Administration) | 43 | $6,482,000 | $150,000 | $261,000 | $58,000 | $165,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 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 | 290 | $58,065,000 | $200,000 | $3,300,000 | $149,000 | $943,000 |
| Application Denied By Financial Institution | 12 | $2,683,000 | $223,000 | $1,000,000 | $83,000 | $240,000 |
| Application Withdrawn By Applicant | 8 | $2,870,000 | $358,000 | $1,240,000 | $137,000 | $420,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 6 | $2,122,000 | $353,000 | $1,000,000 | $106,000 | $240,000 |
| Debt-To-Income Ratio | 3 | $213,000 | $71,000 | $97,000 | $20,000 | $26,000 |
| Other | 3 | $348,000 | $116,000 | $165,000 | $102,000 | $159,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into One Bank & Trust, National Association's 2008 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