Simmons Bank Mortgage Lending & HMDA Data, 2016
In 2016, Simmons Bank of Pine Bluff, AR reported 7,643 mortgage applications totaling $1.2 billion. The average application was for $160,059, and applicants reported an average income of $85,965. 70% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Little Rock-North Little Rock-Conway, AR (1,868), Fayetteville-Springdale-Rogers, AR-MO (643) and Jonesboro, AR (469) (applications in parentheses).
| Mortgage Company & Address | Simmons Bank 501 Main Pine Bluff, AR 71601 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 |
| Total Number of Mortgage Applications | 7,643 |
| Total Mortgage Loan Application Amount | $1,223,336,000 |
| Average Mortgage Loan Application Amount | $160,059 |
| Highest Mortgage Loan Application Amount | $6,776,000 |
| Average Applicant Income | $85,965 |
| Highest Applicant Income | $3,964,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Simmons Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,868 | $ 321,038,000 | $ 171,861 | $ 98,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 643 | $ 135,203,000 | $ 210,269 | $ 101,514 |
| Jonesboro, AR | 469 | $ 73,974,000 | $ 157,727 | $ 77,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 450 | $ 102,220,000 | $ 227,155 | $ 104,000 |
| Springfield, MO | 376 | $ 70,271,000 | $ 186,890 | $ 72,000 |
| Hot Springs, AR | 275 | $ 45,182,000 | $ 164,298 | $ 106,000 |
| Jackson, TN | 248 | $ 35,535,000 | $ 143,286 | $ 77,000 |
| Pine Bluff, AR | 248 | $ 22,990,000 | $ 92,701 | $ 61,000 |
| Kansas City, MO-KS | 209 | $ 39,885,000 | $ 190,837 | $ 90,459 |
| Knoxville, TN | 124 | $ 18,250,000 | $ 147,177 | $ 94,000 |
| Memphis, TN-MS-AR | 102 | $ 17,115,000 | $ 167,794 | $ 74,676 |
| Joplin, MO | 79 | $ 9,184,000 | $ 116,253 | $ 47,000 |
| St. Louis, MO-IL | 77 | $ 24,571,000 | $ 319,103 | $ 90,363 |
| Fort Smith, AR-OK | 55 | $ 10,399,000 | $ 189,072 | $ 65,818 |
| Wichita, KS | 42 | $ 11,320,000 | $ 269,523 | $ 145,000 |
| Crestview-Fort Walton Beach-Destin, FL | 6 | $ 3,760,000 | $ 626,666 | $ 726,000 |
| Chattanooga, TN-GA | 4 | $ 710,000 | $ 177,500 | $ 81,000 |
| Dallas-Plano-Irving, TX | 4 | $ 421,000 | $ 105,250 | $ 73,000 |
| Houston-The Woodlands-Sugar Land, TX | 4 | $ 780,000 | $ 195,000 | $ 216,000 |
| Atlanta-Sandy Springs-Roswell, GA | 3 | $ 827,000 | $ 275,666 | $ 118,000 |
| Birmingham-Hoover, AL | 3 | $ 691,000 | $ 230,333 | $ 133,000 |
| Chicago-Naperville-Arlington Heights, IL | 3 | $ 531,000 | $ 177,000 | $ 40,000 |
| Fort Worth-Arlington, TX | 3 | $ 1,099,000 | $ 366,333 | $ 140,000 |
| Gadsden, AL | 3 | $ 380,000 | $ 126,666 | $ 47,000 |
| Clarksville, TN-KY | 2 | $ 315,000 | $ 157,500 | $ 100,000 |
| Daphne-Fairhope-Foley, AL | 2 | $ 246,000 | $ 123,000 | $ 127,000 |
| Gulfport-Biloxi-Pascagoula, MS | 2 | $ 223,000 | $ 111,500 | $ 97,000 |
| Lake County-Kenosha County, IL-WI | 2 | $ 452,000 | $ 226,000 | $ 262,000 |
| Monroe, LA | 2 | $ 355,000 | $ 177,500 | $ 102,000 |
| Morristown, TN | 2 | $ 301,000 | $ 150,500 | $ 55,000 |
| Oklahoma City, OK | 2 | $ 494,000 | $ 247,000 | $ 470,000 |
| Punta Gorda, FL | 2 | $ 499,000 | $ 249,500 | $ 263,000 |
| Anchorage, AK | 1 | $ 169,000 | $ 169,000 | $ 78,000 |
| Baton Rouge, LA | 1 | $ 206,000 | $ 206,000 | $ 187,000 |
| Bowling Green, KY | 1 | $ 147,000 | $ 147,000 | $ 38,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 103,000 | $ 103,000 | $ 444,000 |
| Charleston-North Charleston, SC | 1 | $ 1,274,000 | $ 1,274,000 | $ 0 |
| Cleveland, TN | 1 | $ 21,000 | $ 21,000 | $ 52,000 |
| Cleveland-Elyria, OH | 1 | $ 275,000 | $ 275,000 | $ 112,000 |
| Columbia, MO | 1 | $ 99,000 | $ 99,000 | $ 353,000 |
| Columbus, OH | 1 | $ 522,000 | $ 522,000 | $ 350,000 |
| Denver-Aurora-Lakewood, CO | 1 | $ 348,000 | $ 348,000 | $ 82,000 |
| Des Moines-West Des Moines, IA | 1 | $ 68,000 | $ 68,000 | $ 78,000 |
| Dutchess County-Putnam County, NY | 1 | $ 140,000 | $ 140,000 | $ 31,000 |
| Harrisburg-Carlisle, PA | 1 | $ 187,000 | $ 187,000 | $ 150,000 |
| Hartford-West Hartford-East Hartford, CT | 1 | $ 162,000 | $ 162,000 | $ 110,000 |
| Indianapolis-Carmel-Anderson, IN | 1 | $ 215,000 | $ 215,000 | $ 140,000 |
| Jackson, MS | 1 | $ 377,000 | $ 377,000 | $ 105,000 |
| Johnson City, TN | 1 | $ 500,000 | $ 500,000 | $ 326,000 |
| Lafayette, LA | 1 | $ 150,000 | $ 150,000 | $ 131,000 |
| North Port-Sarasota-Bradenton, FL | 1 | $ 147,000 | $ 147,000 | $ 360,000 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 145,000 | $ 145,000 | $ 51,000 |
| Raleigh, NC | 1 | $ 60,000 | $ 60,000 | $ 113,000 |
| Tallahassee, FL | 1 | $ 191,000 | $ 191,000 | $ 65,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 124,000 | $ 124,000 | $ 44,000 |
| Tulsa, OK | 1 | $ 187,000 | $ 187,000 | $ 111,000 |
| Tuscaloosa, AL | 1 | $ 106,000 | $ 106,000 | $ 171,000 |
Mortgage Loan Application Detail Totals for Simmons Bank in 2016
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 | 4,588 | $716,973,000 | $156,000 | $6,776,000 | $80,000 | $3,964,000 |
| Refinancing | 2,599 | $486,478,000 | $187,000 | $6,750,000 | $100,000 | $2,023,000 |
| Home Improvement | 456 | $19,885,000 | $43,000 | $1,680,000 | $66,000 | $1,255,000 |
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 | 6,177 | $958,647,000 | $155,000 | $3,509,000 | $92,000 | $2,291,000 |
| Black or African American | 580 | $69,062,000 | $119,000 | $1,381,000 | $71,000 | $2,023,000 |
| Not applicable | 383 | $121,803,000 | $318,000 | $6,776,000 | $0 | $126,000 |
| Hispanic | 236 | $29,218,000 | $123,000 | $670,000 | $67,000 | $599,000 |
| Asian | 137 | $26,161,000 | $190,000 | $568,000 | $110,000 | $759,000 |
| Not Provided | 95 | $14,251,000 | $150,000 | $1,108,000 | $108,000 | $3,964,000 |
| American Indian or Alaskan Native | 26 | $3,092,000 | $118,000 | $245,000 | $69,000 | $137,000 |
| Native Hawaiin or Other Pacific Islander | 9 | $1,102,000 | $122,000 | $385,000 | $81,000 | $192,000 |
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) | 5,999 | $987,691,000 | $164,000 | $6,776,000 | $94,000 | $3,964,000 |
| FHA-insured (Federal Housing Administration) | 890 | $124,268,000 | $139,000 | $393,000 | $58,000 | $367,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 451 | $50,795,000 | $112,000 | $450,000 | $41,000 | $115,000 |
| VA-guaranteed (Veterans Administration) | 303 | $60,582,000 | $199,000 | $864,000 | $73,000 | $538,000 |
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 | 5,375 | $871,791,000 | $162,000 | $6,776,000 | $88,000 | $3,964,000 |
| Application Approved But Not Accepted | 960 | $149,123,000 | $155,000 | $3,344,000 | $91,000 | $1,294,000 |
| Application Denied By Financial Institution | 830 | $97,733,000 | $117,000 | $3,509,000 | $67,000 | $1,029,000 |
| Application Withdrawn By Applicant | 477 | $104,574,000 | $219,000 | $6,079,000 | $89,000 | $1,320,000 |
| File Closed For Incompleteness | 1 | $115,000 | $115,000 | $115,000 | $65,000 | $65,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 461 | $44,365,000 | $96,000 | $417,000 | $64,000 | $690,000 |
| Debt-To-Income Ratio | 208 | $24,971,000 | $120,000 | $1,064,000 | $48,000 | $324,000 |
| Collateral | 77 | $15,449,000 | $200,000 | $3,509,000 | $120,000 | $824,000 |
| Other | 35 | $6,042,000 | $172,000 | $1,381,000 | $124,000 | $1,029,000 |
| Employment History | 25 | $3,727,000 | $149,000 | $500,000 | $56,000 | $172,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 19 | $2,179,000 | $114,000 | $290,000 | $37,000 | $62,000 |
| Unverifiable Information | 4 | $700,000 | $175,000 | $295,000 | $87,000 | $245,000 |
| Credit Application Incomplete | 1 | $300,000 | $300,000 | $300,000 | $144,000 | $144,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Simmons Bank's 2016 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 Simmons Bank'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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