Simmons Bank Mortgage Lending & HMDA Data, 2018
In 2018, Simmons Bank of Pine Bluff, AR reported 8,476 mortgage applications totaling $1.6 billion, up 22% from 2017. The average application was for $188,161, and applicants reported an average income of $117,624. 71% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Little Rock-North Little Rock-Conway, AR (1,321), Fayetteville-Springdale-Rogers, AR-MO (572) and Springfield, MO (457) (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 | 8,476 |
| Total Mortgage Loan Application Amount | $1,594,860,000 |
| Average Mortgage Loan Application Amount | $188,161 |
| Highest Mortgage Loan Application Amount | $45,285,000 |
| Average Applicant Income | $117,624 |
| Highest Applicant Income | $3,805,000 |
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Act (HMDA) records Simmons Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Outside any metro area | 2,723 | $ 322,905,000 | $ 118,584 | $ 91,126 |
| Little Rock-North Little Rock-Conway, AR | 1,321 | $ 235,555,000 | $ 178,315 | $ 108,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 572 | $ 103,020,000 | $ 180,104 | $ 109,867 |
| Springfield, MO | 457 | $ 68,045,000 | $ 148,894 | $ 81,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 412 | $ 100,230,000 | $ 243,276 | $ 153,000 |
| Jonesboro, AR | 331 | $ 52,465,000 | $ 158,504 | $ 170,000 |
| Fort Worth-Arlington, TX | 243 | $ 61,125,000 | $ 251,543 | $ 199,000 |
| Kansas City, MO-KS | 229 | $ 33,825,000 | $ 147,707 | $ 74,113 |
| Hot Springs, AR | 227 | $ 36,625,000 | $ 161,343 | $ 122,000 |
| Dallas-Plano-Irving, TX | 224 | $ 74,950,000 | $ 334,598 | $ 200,000 |
| Jackson, TN | 222 | $ 27,790,000 | $ 125,180 | $ 87,000 |
| Memphis, TN-MS-AR | 205 | $ 29,045,000 | $ 141,682 | $ 95,600 |
| Oklahoma City, OK | 197 | $ 77,725,000 | $ 394,543 | $ 182,000 |
| Pine Bluff, AR | 179 | $ 16,005,000 | $ 89,413 | $ 75,000 |
| St. Louis, MO-IL | 125 | $ 41,885,000 | $ 335,080 | $ 175,160 |
| Fort Smith, AR-OK | 116 | $ 20,100,000 | $ 173,275 | $ 73,793 |
| Knoxville, TN | 109 | $ 17,735,000 | $ 162,706 | $ 114,000 |
| Austin-Round Rock, TX | 83 | $ 26,745,000 | $ 322,228 | $ 174,000 |
| Joplin, MO | 83 | $ 8,915,000 | $ 107,409 | $ 87,000 |
| Tulsa, OK | 56 | $ 11,250,000 | $ 200,892 | $ 154,000 |
| Wichita, KS | 47 | $ 11,275,000 | $ 239,893 | $ 189,000 |
| Houston-The Woodlands-Sugar Land, TX | 40 | $ 16,420,000 | $ 410,500 | $ 252,000 |
| Denver-Aurora-Lakewood, CO | 24 | $ 11,250,000 | $ 468,750 | $ 251,000 |
| San Antonio-New Braunfels, TX | 15 | $ 4,035,000 | $ 269,000 | $ 191,000 |
| Las Vegas-Henderson-Paradise, NV | 13 | $ 5,845,000 | $ 449,615 | $ 229,000 |
| Crestview-Fort Walton Beach-Destin, FL | 12 | $ 10,880,000 | $ 906,666 | $ 507,000 |
| Phoenix-Mesa-Scottsdale, AZ | 10 | $ 5,280,000 | $ 528,000 | $ 295,000 |
| Clarksville, TN-KY | 9 | $ 1,565,000 | $ 173,888 | $ 53,000 |
| Lubbock, TX | 7 | $ 1,315,000 | $ 187,857 | $ 105,000 |
| Anaheim-Santa Ana-Irvine, CA | 6 | $ 5,830,000 | $ 971,666 | $ 354,000 |
| Chattanooga, TN-GA | 6 | $ 1,110,000 | $ 185,000 | $ 633,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 6 | $ 3,170,000 | $ 528,333 | $ 212,666 |
| San Diego-Carlsbad, CA | 6 | $ 3,890,000 | $ 648,333 | $ 337,000 |
| Colorado Springs, CO | 5 | $ 1,445,000 | $ 289,000 | $ 331,000 |
| Daphne-Fairhope-Foley, AL | 5 | $ 1,545,000 | $ 309,000 | $ 141,000 |
| Fort Collins, CO | 5 | $ 2,345,000 | $ 469,000 | $ 275,000 |
| Riverside-San Bernardino-Ontario, CA | 5 | $ 3,425,000 | $ 685,000 | $ 569,000 |
| Tucson, AZ | 5 | $ 2,825,000 | $ 565,000 | $ 283,000 |
| Albuquerque, NM | 4 | $ 1,320,000 | $ 330,000 | $ 105,000 |
| Corpus Christi, TX | 4 | $ 1,250,000 | $ 312,500 | $ 156,000 |
| El Paso, TX | 4 | $ 1,650,000 | $ 412,500 | $ 324,000 |
| Los Angeles-Long Beach-Glendale, CA | 4 | $ 3,100,000 | $ 775,000 | $ 644,000 |
| Tallahassee, FL | 4 | $ 1,830,000 | $ 457,500 | $ 58,000 |
| Texarkana, TX-AR | 4 | $ 480,000 | $ 120,000 | $ 261,750 |
| Atlanta-Sandy Springs-Roswell, GA | 3 | $ 1,485,000 | $ 495,000 | $ 133,000 |
| Charlottesville, VA | 3 | $ 755,000 | $ 251,666 | $ 50,000 |
| Modesto, CA | 3 | $ 1,505,000 | $ 501,666 | $ 329,000 |
| New Orleans-Metairie, LA | 3 | $ 975,000 | $ 325,000 | $ 232,000 |
| North Port-Sarasota-Bradenton, FL | 3 | $ 765,000 | $ 255,000 | $ 177,000 |
| Pensacola-Ferry Pass-Brent, FL | 3 | $ 685,000 | $ 228,333 | $ 176,000 |
| Sherman-Denison, TX | 3 | $ 725,000 | $ 241,666 | $ 124,000 |
| Topeka, KS | 3 | $ 315,000 | $ 105,000 | $ 39,000 |
| Cleveland, TN | 2 | $ 280,000 | $ 140,000 | $ 695,000 |
| College Station-Bryan, TX | 2 | $ 280,000 | $ 140,000 | $ 96,000 |
| Corvallis, OR | 2 | $ 880,000 | $ 440,000 | $ 179,000 |
| Fresno, CA | 2 | $ 760,000 | $ 380,000 | $ 144,000 |
| Las Cruces, NM | 2 | $ 640,000 | $ 320,000 | $ 171,000 |
| Lawrence, KS | 2 | $ 250,000 | $ 125,000 | $ 69,000 |
| Manhattan, KS | 2 | $ 310,000 | $ 155,000 | $ 182,000 |
| Midland, TX | 2 | $ 960,000 | $ 480,000 | $ 285,000 |
| Morristown, TN | 2 | $ 90,000 | $ 45,000 | $ 189,000 |
| Orlando-Kissimmee-Sanford, FL | 2 | $ 690,000 | $ 345,000 | $ 143,000 |
| San Angelo, TX | 2 | $ 830,000 | $ 415,000 | $ 307,000 |
| San Francisco-Redwood City-South San Francisco, CA | 2 | $ 2,230,000 | $ 1,115,000 | $ 776,000 |
| Spokane-Spokane Valley, WA | 2 | $ 890,000 | $ 445,000 | $ 202,000 |
| Tampa-St. Petersburg-Clearwater, FL | 2 | $ 410,000 | $ 205,000 | $ 297,000 |
| Tyler, TX | 2 | $ 500,000 | $ 250,000 | $ 218,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 115,000 | $ 115,000 | $ 96,000 |
| Bakersfield, CA | 1 | $ 395,000 | $ 395,000 | $ 215,000 |
| Boston, MA | 1 | $ 575,000 | $ 575,000 | $ 357,000 |
| Bremerton-Silverdale, WA | 1 | $ 535,000 | $ 535,000 | $ 373,000 |
| Brownsville-Harlingen, TX | 1 | $ 115,000 | $ 115,000 | $ 37,000 |
| Cape Girardeau, MO-IL | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Charleston-North Charleston, SC | 1 | $ 1,255,000 | $ 1,255,000 | $ 1,038,000 |
| Charlotte-Concord-Gastonia, NC-SC | 1 | $ 345,000 | $ 345,000 | $ 95,000 |
| Chicago-Naperville-Arlington Heights, IL | 1 | $ 185,000 | $ 185,000 | $ 55,000 |
| Cleveland-Elyria, OH | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Columbia, SC | 1 | $ 85,000 | $ 85,000 | $ 25,000 |
| Davenport-Moline-Rock Island, IA-IL | 1 | $ 375,000 | $ 375,000 | $ 285,000 |
| Elgin, IL | 1 | $ 585,000 | $ 585,000 | $ 255,000 |
| Enid, OK | 1 | $ 205,000 | $ 205,000 | $ 138,000 |
| Evansville, IN-KY | 1 | $ 285,000 | $ 285,000 | $ 90,000 |
| Fargo, ND-MN | 1 | $ 615,000 | $ 615,000 | $ 278,000 |
| Farmington, NM | 1 | $ 335,000 | $ 335,000 | $ 254,000 |
| Flagstaff, AZ | 1 | $ 535,000 | $ 535,000 | $ 225,000 |
| Grand Junction, CO | 1 | $ 525,000 | $ 525,000 | $ 170,000 |
| Greeley, CO | 1 | $ 345,000 | $ 345,000 | $ 61,000 |
| Gulfport-Biloxi-Pascagoula, MS | 1 | $ 95,000 | $ 95,000 | $ 54,000 |
| Huntsville, AL | 1 | $ 55,000 | $ 55,000 | $ 41,000 |
| Jackson, MS | 1 | $ 42,505,000 | $ 42,505,000 | $ 0 |
| Jefferson City, MO | 1 | $ 285,000 | $ 285,000 | $ 198,000 |
| Killeen-Temple, TX | 1 | $ 245,000 | $ 245,000 | $ 67,000 |
| Lafayette, LA | 1 | $ 45,285,000 | $ 45,285,000 | $ 0 |
| Lake Havasu City-Kingman, AZ | 1 | $ 365,000 | $ 365,000 | $ 585,000 |
| Medford, OR | 1 | $ 815,000 | $ 815,000 | $ 350,000 |
| Monroe, LA | 1 | $ 355,000 | $ 355,000 | $ 1,624,000 |
| Monroe, MI | 1 | $ 275,000 | $ 275,000 | $ 107,000 |
| Mount Vernon-Anacortes, WA | 1 | $ 355,000 | $ 355,000 | $ 265,000 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 105,000 | $ 105,000 | $ 142,000 |
| New York-Jersey City-White Plains, NY-NJ | 1 | $ 255,000 | $ 255,000 | $ 260,000 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 185,000 | $ 185,000 | $ 40,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 1 | $ 1,215,000 | $ 1,215,000 | $ 573,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 195,000 | $ 195,000 | $ 303,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 1 | $ 755,000 | $ 755,000 | $ 330,000 |
| Salem, OR | 1 | $ 505,000 | $ 505,000 | $ 225,000 |
| Santa Cruz-Watsonville, CA | 1 | $ 1,195,000 | $ 1,195,000 | $ 331,000 |
| Santa Fe, NM | 1 | $ 545,000 | $ 545,000 | $ 335,000 |
| Seattle-Bellevue-Everett, WA | 1 | $ 905,000 | $ 905,000 | $ 354,000 |
| Sebastian-Vero Beach, FL | 1 | $ 455,000 | $ 455,000 | $ 325,000 |
| Shreveport-Bossier City, LA | 1 | $ 355,000 | $ 355,000 | $ 86,000 |
| Sierra Vista-Douglas, AZ | 1 | $ 215,000 | $ 215,000 | $ 56,000 |
| Springfield, IL | 1 | $ 225,000 | $ 225,000 | $ 75,000 |
| St. Joseph, MO-KS | 1 | $ 105,000 | $ 105,000 | $ 41,000 |
| Stockton-Lodi, CA | 1 | $ 575,000 | $ 575,000 | $ 575,000 |
| The Villages, FL | 1 | $ 595,000 | $ 595,000 | $ 878,000 |
| Tuscaloosa, AL | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Waco, TX | 1 | $ 285,000 | $ 285,000 | $ 171,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 1 | $ 365,000 | $ 365,000 | $ 561,000 |
Mortgage Loan Application Detail Totals for Simmons Bank 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 | 5,053 | $1,073,375,000 | $212,000 | $42,505,000 | $116,000 | $3,805,000 |
| Refinancing | 1,779 | $326,915,000 | $183,000 | $32,465,000 | $134,000 | $3,456,000 |
| Other Purpose | 609 | $40,575,000 | $66,000 | $455,000 | $104,000 | $1,271,000 |
| Home Improvement | 596 | $78,850,000 | $132,000 | $45,285,000 | $105,000 | $1,297,000 |
| Cash-out Refinancing | 439 | $75,145,000 | $171,000 | $1,355,000 | $106,000 | $1,356,000 |
| 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 | 6,120 | $1,000,560,000 | $163,000 | $6,235,000 | $118,000 | $3,805,000 |
| Not Provided | 890 | $153,590,000 | $172,000 | $2,005,000 | $155,000 | $3,456,000 |
| Black or African American | 434 | $51,240,000 | $118,000 | $1,305,000 | $67,000 | $1,584,000 |
| Hispanic | 424 | $54,680,000 | $128,000 | $825,000 | $62,000 | $529,000 |
| Not applicable | 393 | $289,255,000 | $736,000 | $45,285,000 | $213,000 | $1,200,000 |
| Asian | 144 | $29,530,000 | $205,000 | $635,000 | $151,000 | $1,532,000 |
| American Indian or Alaskan Native | 39 | $6,115,000 | $156,000 | $465,000 | $99,000 | $1,083,000 |
| Native Hawaiian or Other Pacific Islander | 7 | $2,925,000 | $417,000 | $1,715,000 | $255,000 | $546,000 |
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) | 7,297 | $1,420,765,000 | $194,000 | $45,285,000 | $127,000 | $3,805,000 |
| FHA-insured (Federal Housing Administration) | 666 | $99,540,000 | $149,000 | $425,000 | $61,000 | $304,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 316 | $35,810,000 | $113,000 | $225,000 | $45,000 | $169,000 |
| VA-guaranteed (Veterans Administration) | 197 | $38,745,000 | $196,000 | $435,000 | $78,000 | $250,000 |
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 | 6,058 | $1,190,330,000 | $196,000 | $45,285,000 | $123,000 | $3,805,000 |
| Application Denied By Financial Institution | 901 | $91,645,000 | $101,000 | $1,355,000 | $71,000 | $1,264,000 |
| Application Approved But Not Accepted | 758 | $170,970,000 | $225,000 | $32,465,000 | $110,000 | $3,481,000 |
| Application Withdrawn By Applicant | 718 | $134,770,000 | $187,000 | $3,005,000 | $140,000 | $2,242,000 |
| Loan Purchased By The Institution | 39 | $5,455,000 | $139,000 | $245,000 | $53,000 | $135,000 |
| File Closed For Incompleteness | 2 | $1,690,000 | $845,000 | $1,305,000 | $1,067,000 | $1,584,000 |
| 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 | 7,575 | $1,503,215,000 | $198,000 | $45,285,000 | $123,000 | $3,805,000 |
| Credit History | 329 | $31,005,000 | $94,000 | $1,355,000 | $70,000 | $957,000 |
| Debt-To-Income Ratio | 308 | $34,080,000 | $110,000 | $1,115,000 | $56,000 | $377,000 |
| Collateral | 112 | $8,700,000 | $77,000 | $825,000 | $103,000 | $1,264,000 |
| Credit Application Incomplete | 74 | $7,290,000 | $98,000 | $645,000 | $85,000 | $540,000 |
| Other | 45 | $5,035,000 | $111,000 | $305,000 | $80,000 | $240,000 |
| Employment History | 21 | $3,445,000 | $164,000 | $425,000 | $61,000 | $240,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $1,540,000 | $256,000 | $805,000 | $144,000 | $400,000 |
| Unverifiable Information | 6 | $550,000 | $91,000 | $175,000 | $61,000 | $214,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Simmons Bank'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 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.
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