Simmons Bank Mortgage Lending & HMDA Data, 2024
In 2024, Simmons Bank of Pine Bluff, AR reported 5,087 mortgage applications totaling $1.1 billion, down 10% from 2023. The average application was for $217,531, and applicants reported an average income of $142,213. 62% of its applications resulted in an originated loan and 24% were denied. Its largest markets were Little Rock-North Little Rock-Conway, AR (541), Memphis, TN-MS-AR (327) and Nashville-Davidson--Murfreesboro--Franklin, TN (268) (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 | 5,087 |
| Total Mortgage Loan Application Amount | $1,106,585,000 |
| Average Mortgage Loan Application Amount | $217,531 |
| Highest Mortgage Loan Application Amount | $49,205,000 |
| Average Applicant Income | $142,213 |
| Highest Applicant Income | $7,405,000 |
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Act (HMDA) records Simmons Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,754 | $ 231,280,000 | $ 131,858 | $ 104,616 |
| Little Rock-North Little Rock-Conway, AR | 541 | $ 93,955,000 | $ 173,669 | $ 123,000 |
| Memphis, TN-MS-AR | 327 | $ 67,945,000 | $ 207,782 | $ 192,651 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 268 | $ 76,370,000 | $ 284,962 | $ 235,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 255 | $ 64,105,000 | $ 251,392 | $ 151,000 |
| Jackson, TN | 173 | $ 33,955,000 | $ 196,271 | $ 104,000 |
| Columbia, MO | 163 | $ 18,655,000 | $ 114,447 | $ 121,000 |
| Fort Worth-Arlington, TX | 160 | $ 33,250,000 | $ 207,812 | $ 131,000 |
| Jonesboro, AR | 154 | $ 18,660,000 | $ 121,168 | $ 110,000 |
| St. Louis, MO-IL | 146 | $ 23,700,000 | $ 162,328 | $ 132,136 |
| Dallas-Plano-Irving, TX | 137 | $ 53,565,000 | $ 390,985 | $ 204,000 |
| Springfield, MO | 131 | $ 18,445,000 | $ 140,801 | $ 111,000 |
| Corpus Christi, TX | 120 | $ 24,010,000 | $ 200,083 | $ 156,000 |
| Houston-The Woodlands-Sugar Land, TX | 118 | $ 55,670,000 | $ 471,779 | $ 244,000 |
| Oklahoma City, OK | 109 | $ 19,475,000 | $ 178,669 | $ 113,000 |
| Fort Smith, AR-OK | 63 | $ 8,925,000 | $ 141,666 | $ 108,476 |
| Knoxville, TN | 55 | $ 17,555,000 | $ 319,181 | $ 164,000 |
| Hot Springs, AR | 47 | $ 8,765,000 | $ 186,489 | $ 209,000 |
| Sherman-Denison, TX | 46 | $ 8,830,000 | $ 191,956 | $ 162,000 |
| Wichita, KS | 36 | $ 8,330,000 | $ 231,388 | $ 144,000 |
| College Station-Bryan, TX | 34 | $ 24,280,000 | $ 714,117 | $ 214,000 |
| Texarkana, TX-AR | 27 | $ 9,825,000 | $ 363,888 | $ 81,666 |
| Tulsa, OK | 27 | $ 6,195,000 | $ 229,444 | $ 215,000 |
| Kansas City, MO-KS | 25 | $ 3,735,000 | $ 149,400 | $ 140,800 |
| San Antonio-New Braunfels, TX | 19 | $ 4,045,000 | $ 212,894 | $ 255,000 |
| Austin-Round Rock, TX | 14 | $ 8,100,000 | $ 578,571 | $ 440,000 |
| Joplin, MO | 14 | $ 1,060,000 | $ 75,714 | $ 72,214 |
| Cleveland, TN | 10 | $ 1,720,000 | $ 172,000 | $ 168,000 |
| Jefferson City, MO | 9 | $ 1,245,000 | $ 138,333 | $ 96,000 |
| Tyler, TX | 7 | $ 2,645,000 | $ 377,857 | $ 1,562,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 6 | $ 2,420,000 | $ 403,333 | $ 333,000 |
| Atlanta-Sandy Springs-Roswell, GA | 5 | $ 2,185,000 | $ 437,000 | $ 185,000 |
| Charlotte-Concord-Gastonia, NC-SC | 5 | $ 1,485,000 | $ 297,000 | $ 190,000 |
| Clarksville, TN-KY | 5 | $ 305,000 | $ 61,000 | $ 65,000 |
| Chattanooga, TN-GA | 4 | $ 3,200,000 | $ 800,000 | $ 332,000 |
| Winston-Salem, NC | 4 | $ 1,370,000 | $ 342,500 | $ 147,000 |
| Asheville, NC | 3 | $ 1,025,000 | $ 341,666 | $ 103,000 |
| Lake Charles, LA | 3 | $ 845,000 | $ 281,666 | $ 224,000 |
| Morristown, TN | 3 | $ 545,000 | $ 181,666 | $ 108,000 |
| Augusta-Richmond County, GA-SC | 2 | $ 760,000 | $ 380,000 | $ 71,000 |
| Birmingham-Hoover, AL | 2 | $ 1,090,000 | $ 545,000 | $ 290,000 |
| Columbus, OH | 2 | $ 590,000 | $ 295,000 | $ 245,000 |
| Crestview-Fort Walton Beach-Destin, FL | 2 | $ 1,830,000 | $ 915,000 | $ 3,111,000 |
| Greenville-Anderson-Mauldin, SC | 2 | $ 520,000 | $ 260,000 | $ 132,000 |
| Gulfport-Biloxi-Pascagoula, MS | 2 | $ 310,000 | $ 155,000 | $ 166,000 |
| Jackson, MS | 2 | $ 2,230,000 | $ 1,115,000 | $ 503,000 |
| Lubbock, TX | 2 | $ 350,000 | $ 175,000 | $ 222,000 |
| Manhattan, KS | 2 | $ 280,000 | $ 140,000 | $ 84,000 |
| Miami-Miami Beach-Kendall, FL | 2 | $ 940,000 | $ 470,000 | $ 226,000 |
| Monroe, LA | 2 | $ 150,000 | $ 75,000 | $ 66,000 |
| Richmond, VA | 2 | $ 43,930,000 | $ 21,965,000 | $ 259,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 2 | $ 390,000 | $ 195,000 | $ 62,000 |
| Springfield, OH | 2 | $ 510,000 | $ 255,000 | $ 65,000 |
| Winchester, VA-WV | 2 | $ 570,000 | $ 285,000 | $ 176,000 |
| Amarillo, TX | 1 | $ 365,000 | $ 365,000 | $ 275,000 |
| Baltimore-Columbia-Towson, MD | 1 | $ 215,000 | $ 215,000 | $ 209,000 |
| Baton Rouge, LA | 1 | $ 585,000 | $ 585,000 | $ 4,434,000 |
| Boston, MA | 1 | $ 605,000 | $ 605,000 | $ 278,000 |
| Boulder, CO | 1 | $ 605,000 | $ 605,000 | $ 109,000 |
| Champaign-Urbana, IL | 1 | $ 125,000 | $ 125,000 | $ 72,000 |
| Chicago-Naperville, IL | 1 | $ 1,235,000 | $ 1,235,000 | $ 650,000 |
| Daphne-Fairhope-Foley, AL | 1 | $ 85,000 | $ 85,000 | $ 109,000 |
| El Paso, TX | 1 | $ 445,000 | $ 445,000 | $ 450,000 |
| Florence-Muscle Shoals, AL | 1 | $ 345,000 | $ 345,000 | $ 156,000 |
| Greeley, CO | 1 | $ 595,000 | $ 595,000 | $ 201,000 |
| Greensboro-High Point, NC | 1 | $ 725,000 | $ 725,000 | $ 433,000 |
| Indianapolis-Carmel-Anderson, IN | 1 | $ 405,000 | $ 405,000 | $ 125,000 |
| Jacksonville, FL | 1 | $ 49,205,000 | $ 49,205,000 | $ 0 |
| Johnson City, TN | 1 | $ 45,000 | $ 45,000 | $ 62,000 |
| Kalamazoo-Portage, MI | 1 | $ 175,000 | $ 175,000 | $ 70,000 |
| Lawton, OK | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Lexington-Fayette, KY | 1 | $ 415,000 | $ 415,000 | $ 249,000 |
| Los Angeles-Long Beach-Glendale, CA | 1 | $ 375,000 | $ 375,000 | $ 103,000 |
| Marietta, GA | 1 | $ 405,000 | $ 405,000 | $ 134,000 |
| Monroe, MI | 1 | $ 355,000 | $ 355,000 | $ 89,000 |
| New Orleans-Metairie, LA | 1 | $ 25,000 | $ 25,000 | $ 111,000 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 445,000 | $ 445,000 | $ 125,000 |
| Panama City, FL | 1 | $ 365,000 | $ 365,000 | $ 1,516,000 |
| Pittsburgh, PA | 1 | $ 35,000 | $ 35,000 | $ 190,000 |
| Raleigh, NC | 1 | $ 425,000 | $ 425,000 | $ 152,000 |
| Santa Fe, NM | 1 | $ 295,000 | $ 295,000 | $ 165,000 |
| Waco, TX | 1 | $ 1,005,000 | $ 1,005,000 | $ 425,000 |
| Wildwood-The Villages, FL | 1 | $ 30,045,000 | $ 30,045,000 | $ 0 |
| Worcester, MA-CT | 1 | $ 445,000 | $ 445,000 | $ 168,000 |
Mortgage Loan Application Detail Totals for Simmons Bank in 2024
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 | 2,359 | $754,065,000 | $319,000 | $49,205,000 | $151,000 | $7,405,000 |
| Home Improvement | 1,090 | $114,830,000 | $105,000 | $2,755,000 | $134,000 | $3,181,000 |
| Refinancing | 938 | $157,550,000 | $167,000 | $2,705,000 | $146,000 | $4,434,000 |
| Other Purpose | 544 | $48,080,000 | $88,000 | $685,000 | $125,000 | $2,465,000 |
| Cash-out Refinancing | 156 | $32,060,000 | $205,000 | $765,000 | $104,000 | $880,000 |
| 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 | 2,732 | $513,400,000 | $187,000 | $5,955,000 | $152,000 | $7,405,000 |
| Not Provided | 745 | $97,205,000 | $130,000 | $2,235,000 | $152,000 | $4,434,000 |
| Hispanic | 558 | $103,100,000 | $184,000 | $805,000 | $93,000 | $2,184,000 |
| Not applicable | 508 | $298,460,000 | $587,000 | $49,205,000 | $0 | $0 |
| Black or African American | 413 | $55,695,000 | $134,000 | $1,035,000 | $96,000 | $3,000,000 |
| Asian | 93 | $31,565,000 | $339,000 | $1,615,000 | $267,000 | $4,199,000 |
| American Indian or Alaskan Native | 36 | $6,510,000 | $180,000 | $605,000 | $101,000 | $540,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $650,000 | $325,000 | $545,000 | $88,000 | $120,000 |
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) | 4,543 | $990,505,000 | $218,000 | $49,205,000 | $150,000 | $7,405,000 |
| FHA-insured (Federal Housing Administration) | 420 | $89,570,000 | $213,000 | $535,000 | $81,000 | $529,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 67 | $11,645,000 | $173,000 | $365,000 | $69,000 | $128,000 |
| VA-guaranteed (Veterans Administration) | 57 | $14,865,000 | $260,000 | $645,000 | $92,000 | $287,000 |
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 | 3,161 | $777,655,000 | $246,000 | $49,205,000 | $155,000 | $7,405,000 |
| Application Denied By Financial Institution | 1,220 | $160,210,000 | $131,000 | $2,485,000 | $99,000 | $3,000,000 |
| Application Withdrawn By Applicant | 641 | $157,475,000 | $245,000 | $12,455,000 | $167,000 | $4,573,000 |
| Application Approved But Not Accepted | 50 | $9,280,000 | $185,000 | $835,000 | $173,000 | $2,180,000 |
| File Closed For Incompleteness | 12 | $1,570,000 | $130,000 | $275,000 | $87,000 | $206,000 |
| Loan Purchased By The Institution | 3 | $395,000 | $131,000 | $235,000 | $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 |
|---|---|---|---|---|---|---|
| Not applicable | 3,867 | $946,375,000 | $244,000 | $49,205,000 | $157,000 | $7,405,000 |
| Debt-To-Income Ratio | 597 | $95,505,000 | $159,000 | $2,485,000 | $76,000 | $1,157,000 |
| Credit History | 343 | $26,805,000 | $78,000 | $685,000 | $99,000 | $3,000,000 |
| Collateral | 155 | $17,335,000 | $111,000 | $1,255,000 | $146,000 | $1,553,000 |
| Credit Application Incomplete | 61 | $10,905,000 | $178,000 | $1,105,000 | $159,000 | $1,540,000 |
| Other | 32 | $4,280,000 | $133,000 | $575,000 | $183,000 | $882,000 |
| Unverifiable Information | 15 | $2,305,000 | $153,000 | $585,000 | $153,000 | $483,000 |
| Employment History | 10 | $1,760,000 | $176,000 | $335,000 | $86,000 | $223,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 7 | $1,315,000 | $187,000 | $395,000 | $77,000 | $158,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Simmons Bank's 2024 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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