Simmons Bank Mortgage Lending & HMDA Data, 2023
In 2023, Simmons Bank of Pine Bluff, AR reported 5,648 mortgage applications totaling $1.1 billion, down 33% from 2022. The average application was for $202,871, and applicants reported an average income of $132,512. 63% of its applications resulted in an originated loan and 20% were denied. Its largest markets were Little Rock-North Little Rock-Conway, AR (635), Memphis, TN-MS-AR (470) and Nashville-Davidson--Murfreesboro--Franklin, TN (286) (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 | 5,648 |
| Total Mortgage Loan Application Amount | $1,145,820,000 |
| Average Mortgage Loan Application Amount | $202,871 |
| Highest Mortgage Loan Application Amount | $8,635,000 |
| Average Applicant Income | $132,512 |
| Highest Applicant Income | $4,199,000 |
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Act (HMDA) records Simmons Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,659 | $ 230,535,000 | $ 138,960 | $ 101,362 |
| Little Rock-North Little Rock-Conway, AR | 635 | $ 127,785,000 | $ 201,236 | $ 125,000 |
| Memphis, TN-MS-AR | 470 | $ 117,090,000 | $ 249,127 | $ 179,857 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 286 | $ 84,140,000 | $ 294,195 | $ 173,000 |
| Jackson, TN | 224 | $ 40,820,000 | $ 182,232 | $ 93,000 |
| St. Louis, MO-IL | 201 | $ 38,695,000 | $ 192,512 | $ 120,776 |
| Dallas-Plano-Irving, TX | 199 | $ 64,135,000 | $ 322,286 | $ 143,000 |
| Columbia, MO | 194 | $ 26,950,000 | $ 138,917 | $ 145,000 |
| Jonesboro, AR | 189 | $ 33,625,000 | $ 177,910 | $ 108,000 |
| Pine Bluff, AR | 175 | $ 20,525,000 | $ 117,285 | $ 72,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 169 | $ 36,735,000 | $ 217,366 | $ 169,000 |
| Fort Worth-Arlington, TX | 157 | $ 35,605,000 | $ 226,783 | $ 132,000 |
| Springfield, MO | 137 | $ 17,615,000 | $ 128,576 | $ 95,000 |
| Oklahoma City, OK | 127 | $ 31,015,000 | $ 244,212 | $ 171,000 |
| Houston-The Woodlands-Sugar Land, TX | 119 | $ 41,805,000 | $ 351,302 | $ 232,000 |
| Hot Springs, AR | 83 | $ 14,795,000 | $ 178,253 | $ 158,000 |
| Wichita, KS | 70 | $ 13,510,000 | $ 193,000 | $ 147,000 |
| Fort Smith, AR-OK | 60 | $ 7,140,000 | $ 119,000 | $ 91,000 |
| Corpus Christi, TX | 57 | $ 16,895,000 | $ 296,403 | $ 241,000 |
| Sherman-Denison, TX | 51 | $ 10,415,000 | $ 204,215 | $ 141,000 |
| Knoxville, TN | 50 | $ 14,100,000 | $ 282,000 | $ 134,000 |
| San Antonio-New Braunfels, TX | 38 | $ 10,420,000 | $ 274,210 | $ 157,000 |
| Kansas City, MO-KS | 37 | $ 8,785,000 | $ 237,432 | $ 197,189 |
| Austin-Round Rock, TX | 31 | $ 13,525,000 | $ 436,290 | $ 315,000 |
| Tulsa, OK | 21 | $ 4,775,000 | $ 227,380 | $ 136,000 |
| Joplin, MO | 16 | $ 1,250,000 | $ 78,125 | $ 78,000 |
| Chattanooga, TN-GA | 11 | $ 8,665,000 | $ 787,727 | $ 218,000 |
| College Station-Bryan, TX | 11 | $ 2,915,000 | $ 265,000 | $ 133,000 |
| Texarkana, TX-AR | 11 | $ 4,345,000 | $ 395,000 | $ 174,000 |
| Jefferson City, MO | 9 | $ 875,000 | $ 97,222 | $ 69,000 |
| Atlanta-Sandy Springs-Roswell, GA | 8 | $ 3,510,000 | $ 438,750 | $ 172,000 |
| Cleveland, TN | 6 | $ 1,750,000 | $ 291,666 | $ 78,000 |
| Clarksville, TN-KY | 5 | $ 1,465,000 | $ 293,000 | $ 111,000 |
| Tyler, TX | 5 | $ 865,000 | $ 173,000 | $ 89,000 |
| Charleston-North Charleston, SC | 4 | $ 1,310,000 | $ 327,500 | $ 145,000 |
| Las Vegas-Henderson-Paradise, NV | 4 | $ 1,060,000 | $ 265,000 | $ 153,000 |
| North Port-Sarasota-Bradenton, FL | 4 | $ 1,980,000 | $ 495,000 | $ 367,000 |
| Phoenix-Mesa-Scottsdale, AZ | 4 | $ 1,610,000 | $ 402,500 | $ 120,000 |
| Charlotte-Concord-Gastonia, NC-SC | 3 | $ 1,325,000 | $ 441,666 | $ 137,333 |
| Crestview-Fort Walton Beach-Destin, FL | 3 | $ 9,075,000 | $ 3,025,000 | $ 1,394,000 |
| Denver-Aurora-Lakewood, CO | 3 | $ 1,545,000 | $ 515,000 | $ 248,000 |
| Huntsville, AL | 3 | $ 1,065,000 | $ 355,000 | $ 146,000 |
| Miami-Miami Beach-Kendall, FL | 3 | $ 695,000 | $ 231,666 | $ 166,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 3 | $ 1,615,000 | $ 538,333 | $ 163,000 |
| New Orleans-Metairie, LA | 3 | $ 885,000 | $ 295,000 | $ 297,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 3 | $ 1,575,000 | $ 525,000 | $ 221,333 |
| Albuquerque, NM | 2 | $ 780,000 | $ 390,000 | $ 91,000 |
| Amarillo, TX | 2 | $ 430,000 | $ 215,000 | $ 89,000 |
| Birmingham-Hoover, AL | 2 | $ 540,000 | $ 270,000 | $ 134,000 |
| Champaign-Urbana, IL | 2 | $ 720,000 | $ 360,000 | $ 283,000 |
| Enid, OK | 2 | $ 720,000 | $ 360,000 | $ 203,000 |
| Greenville-Anderson-Mauldin, SC | 2 | $ 640,000 | $ 320,000 | $ 143,000 |
| Hattiesburg, MS | 2 | $ 470,000 | $ 235,000 | $ 0 |
| Jacksonville, FL | 2 | $ 660,000 | $ 330,000 | $ 153,000 |
| Lexington-Fayette, KY | 2 | $ 980,000 | $ 490,000 | $ 154,000 |
| Los Angeles-Long Beach-Glendale, CA | 2 | $ 3,430,000 | $ 1,715,000 | $ 444,000 |
| Lubbock, TX | 2 | $ 520,000 | $ 260,000 | $ 76,000 |
| Manhattan, KS | 2 | $ 530,000 | $ 265,000 | $ 64,000 |
| New York-Jersey City-White Plains, NY-NJ | 2 | $ 1,090,000 | $ 545,000 | $ 172,000 |
| Pittsburgh, PA | 2 | $ 590,000 | $ 295,000 | $ 639,000 |
| Providence-Warwick, RI-MA | 2 | $ 530,000 | $ 265,000 | $ 129,000 |
| Reno, NV | 2 | $ 280,000 | $ 140,000 | $ 103,000 |
| Tampa-St. Petersburg-Clearwater, FL | 2 | $ 860,000 | $ 430,000 | $ 197,000 |
| Waco, TX | 2 | $ 510,000 | $ 255,000 | $ 596,000 |
| Winchester, VA-WV | 2 | $ 550,000 | $ 275,000 | $ 205,000 |
| Winston-Salem, NC | 2 | $ 560,000 | $ 280,000 | $ 79,000 |
| Ann Arbor, MI | 1 | $ 255,000 | $ 255,000 | $ 101,000 |
| Asheville, NC | 1 | $ 465,000 | $ 465,000 | $ 113,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 255,000 | $ 255,000 | $ 69,000 |
| Baltimore-Columbia-Towson, MD | 1 | $ 365,000 | $ 365,000 | $ 155,000 |
| Baton Rouge, LA | 1 | $ 885,000 | $ 885,000 | $ 673,000 |
| Bloomington, IN | 1 | $ 275,000 | $ 275,000 | $ 82,000 |
| Boise City, ID | 1 | $ 255,000 | $ 255,000 | $ 112,000 |
| Boston, MA | 1 | $ 355,000 | $ 355,000 | $ 300,000 |
| Boulder, CO | 1 | $ 725,000 | $ 725,000 | $ 238,000 |
| Brunswick, GA | 1 | $ 2,505,000 | $ 2,505,000 | $ 2,118,000 |
| Cleveland-Elyria, OH | 1 | $ 325,000 | $ 325,000 | $ 110,000 |
| Columbia, SC | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Columbus, OH | 1 | $ 515,000 | $ 515,000 | $ 271,000 |
| Daphne-Fairhope-Foley, AL | 1 | $ 1,095,000 | $ 1,095,000 | $ 518,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 655,000 | $ 655,000 | $ 148,000 |
| El Paso, TX | 1 | $ 305,000 | $ 305,000 | $ 141,000 |
| Fort Collins, CO | 1 | $ 545,000 | $ 545,000 | $ 138,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 275,000 | $ 275,000 | $ 41,000 |
| Grand Junction, CO | 1 | $ 355,000 | $ 355,000 | $ 115,000 |
| Hammond, LA | 1 | $ 175,000 | $ 175,000 | $ 45,000 |
| Hartford-West Hartford-East Hartford, CT | 1 | $ 105,000 | $ 105,000 | $ 48,000 |
| Jackson, MS | 1 | $ 205,000 | $ 205,000 | $ 81,000 |
| Johnson City, TN | 1 | $ 205,000 | $ 205,000 | $ 58,000 |
| Kalamazoo-Portage, MI | 1 | $ 585,000 | $ 585,000 | $ 500,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 415,000 | $ 415,000 | $ 175,000 |
| Lake Charles, LA | 1 | $ 155,000 | $ 155,000 | $ 141,000 |
| Lakeland-Winter Haven, FL | 1 | $ 295,000 | $ 295,000 | $ 63,000 |
| Las Cruces, NM | 1 | $ 335,000 | $ 335,000 | $ 120,000 |
| McAllen-Edinburg-Mission, TX | 1 | $ 125,000 | $ 125,000 | $ 58,000 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 315,000 | $ 315,000 | $ 98,000 |
| Morristown, TN | 1 | $ 945,000 | $ 945,000 | $ 0 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 205,000 | $ 205,000 | $ 494,000 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 405,000 | $ 405,000 | $ 133,000 |
| Panama City, FL | 1 | $ 615,000 | $ 615,000 | $ 587,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 365,000 | $ 365,000 | $ 84,000 |
| Punta Gorda, FL | 1 | $ 725,000 | $ 725,000 | $ 200,000 |
| Richmond, VA | 1 | $ 325,000 | $ 325,000 | $ 115,000 |
| Roanoke, VA | 1 | $ 115,000 | $ 115,000 | $ 568,000 |
| Rockford, IL | 1 | $ 155,000 | $ 155,000 | $ 107,000 |
| Savannah, GA | 1 | $ 365,000 | $ 365,000 | $ 122,000 |
| Springfield, IL | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Victoria, TX | 1 | $ 245,000 | $ 245,000 | $ 56,000 |
| Waterloo-Cedar Falls, IA | 1 | $ 195,000 | $ 195,000 | $ 63,000 |
| Weirton-Steubenville, WV-OH | 1 | $ 155,000 | $ 155,000 | $ 40,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 1 | $ 275,000 | $ 275,000 | $ 952,000 |
| Wilmington, DE-MD-NJ | 1 | $ 565,000 | $ 565,000 | $ 210,000 |
| Wilmington, NC | 1 | $ 385,000 | $ 385,000 | $ 186,000 |
Mortgage Loan Application Detail Totals for Simmons Bank in 2023
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 | 2,893 | $793,285,000 | $274,000 | $8,635,000 | $137,000 | $4,199,000 |
| Home Improvement | 1,152 | $111,440,000 | $96,000 | $1,005,000 | $120,000 | $3,121,000 |
| Refinancing | 894 | $166,110,000 | $185,000 | $3,005,000 | $149,000 | $3,150,000 |
| Other Purpose | 555 | $47,635,000 | $85,000 | $2,505,000 | $117,000 | $2,118,000 |
| Cash-out Refinancing | 154 | $27,350,000 | $177,000 | $735,000 | $102,000 | $795,000 |
| 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 | 3,269 | $641,995,000 | $196,000 | $3,845,000 | $138,000 | $3,492,000 |
| Not Provided | 734 | $120,480,000 | $164,000 | $4,985,000 | $147,000 | $2,751,000 |
| Black or African American | 579 | $84,595,000 | $146,000 | $955,000 | $92,000 | $2,359,000 |
| Hispanic | 523 | $101,955,000 | $194,000 | $1,505,000 | $90,000 | $1,153,000 |
| Not applicable | 367 | $142,635,000 | $388,000 | $8,635,000 | $0 | $0 |
| Asian | 128 | $44,490,000 | $347,000 | $1,945,000 | $221,000 | $4,199,000 |
| American Indian or Alaskan Native | 28 | $4,870,000 | $173,000 | $585,000 | $95,000 | $689,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $855,000 | $171,000 | $375,000 | $160,000 | $562,000 |
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) | 5,083 | $1,030,255,000 | $202,000 | $8,635,000 | $139,000 | $4,199,000 |
| FHA-insured (Federal Housing Administration) | 421 | $86,205,000 | $204,000 | $725,000 | $75,000 | $302,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 82 | $12,660,000 | $154,000 | $275,000 | $61,000 | $115,000 |
| VA-guaranteed (Veterans Administration) | 62 | $16,700,000 | $269,000 | $675,000 | $99,000 | $512,000 |
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 | 3,564 | $785,660,000 | $220,000 | $8,635,000 | $142,000 | $4,199,000 |
| Application Denied By Financial Institution | 1,111 | $150,715,000 | $135,000 | $2,815,000 | $93,000 | $2,118,000 |
| Application Withdrawn By Applicant | 878 | $198,540,000 | $226,000 | $6,605,000 | $145,000 | $2,963,000 |
| Application Approved But Not Accepted | 87 | $9,695,000 | $111,000 | $725,000 | $123,000 | $1,367,000 |
| Loan Purchased By The Institution | 5 | $785,000 | $157,000 | $315,000 | $0 | $0 |
| File Closed For Incompleteness | 3 | $425,000 | $141,000 | $205,000 | $59,000 | $79,000 |
| 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 | 4,537 | $995,105,000 | $219,000 | $8,635,000 | $142,000 | $4,199,000 |
| Debt-To-Income Ratio | 498 | $82,430,000 | $165,000 | $2,505,000 | $79,000 | $2,118,000 |
| Credit History | 377 | $34,225,000 | $90,000 | $1,305,000 | $86,000 | $1,500,000 |
| Collateral | 125 | $12,125,000 | $97,000 | $775,000 | $124,000 | $1,080,000 |
| Credit Application Incomplete | 55 | $9,945,000 | $180,000 | $595,000 | $141,000 | $952,000 |
| Other | 36 | $6,140,000 | $170,000 | $725,000 | $172,000 | $894,000 |
| Unverifiable Information | 10 | $1,770,000 | $177,000 | $635,000 | $120,000 | $360,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $3,760,000 | $626,000 | $2,815,000 | $76,000 | $114,000 |
| Employment History | 4 | $320,000 | $80,000 | $125,000 | $53,000 | $60,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Simmons Bank's 2023 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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