Simmons First National Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005
Simmons First National Bank 2005 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Simmons First National Bank 501 Main Pine Bluff, AR 71601 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 2,358 |
| Total Mortgage Loan Application Amount | $224,549,000 |
| Average Mortgage Loan Application Amount | $103,428 |
| Highest Mortgage Loan Application Amount | $1,166,000 |
| Average Applicant Income | $73,428 |
| Highest Applicant Income | $1,159,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2005 with Simmons First National Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Simmons First National Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2005 breaks down Simmons First National Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Simmons First National Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Simmons First National Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Simmons First National Bank's mortgage activity for 2005.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Jefferson County Arkansas | 493 | $ 33,749,000 | $ 68,000 | $ 49,000 |
| Faulkner County Arkansas | 222 | $ 27,387,000 | $ 123,000 | $ 67,000 |
| Benton County Arkansas | 205 | $ 23,254,000 | $ 113,000 | $ 44,000 |
| Craighead County Arkansas | 181 | $ 26,673,000 | $ 147,000 | $ 2,000 |
| Pulaski County Arkansas | 146 | $ 19,543,000 | $ 133,000 | $ 55,000 |
| White County Arkansas | 140 | $ 13,914,000 | $ 99,000 | $ 8,000 |
| Sebastian County Arkansas | 126 | $ 11,661,000 | $ 92,000 | $ 46,000 |
| Washington County Arkansas | 95 | $ 12,398,000 | $ 130,000 | $ 46,000 |
| Franklin County Arkansas | 69 | $ 2,819,000 | $ 40,000 | $ 82,000 |
| Stone County Arkansas | 61 | $ 3,917,000 | $ 64,000 | $ 40,000 |
| Van Buren County Arkansas | 57 | $ 3,902,000 | $ 68,000 | $ 49,000 |
| Searcy County Arkansas | 48 | $ 2,250,000 | $ 46,000 | $ 34,000 |
| Oregon County Missouri | 45 | $ 2,958,000 | $ 65,000 | $ 46,000 |
| Sharp County Arkansas | 35 | $ 1,711,000 | $ 48,000 | $ 29,000 |
| Crawford County Arkansas | 33 | $ 2,334,000 | $ 70,000 | $ 51,000 |
| Cleburne County Arkansas | 29 | $ 2,616,000 | $ 90,000 | $ 29,000 |
| Lincoln County Arkansas | 27 | $ 1,802,000 | $ 66,000 | $ 74,000 |
| Chicot County Arkansas | 25 | $ 2,073,000 | $ 82,000 | $ 46,000 |
| Conway County Arkansas | 25 | $ 1,942,000 | $ 77,000 | $ 46,000 |
| Drew County Arkansas | 23 | $ 2,443,000 | $ 106,000 | $ 52,000 |
| Grant County Arkansas | 23 | $ 2,110,000 | $ 91,000 | $ 55,000 |
| Saline County Arkansas | 23 | $ 2,972,000 | $ 129,000 | $ 59,000 |
| Fulton County Arkansas | 21 | $ 1,045,000 | $ 49,000 | $ 29,000 |
| Cleveland County Arkansas | 18 | $ 1,641,000 | $ 91,000 | $ 54,000 |
| Desha County Arkansas | 18 | $ 1,204,000 | $ 66,000 | $ 54,000 |
| Garland County Arkansas | 18 | $ 2,730,000 | $ 151,000 | $ 113,000 |
| Lonoke County Arkansas | 15 | $ 1,376,000 | $ 91,000 | $ 80,000 |
| Perry County Arkansas | 12 | $ 1,065,000 | $ 88,000 | $ 54,000 |
| Logan County Arkansas | 10 | $ 423,000 | $ 42,000 | $ 128,000 |
| Pope County Arkansas | 8 | $ 574,000 | $ 71,000 | $ 53,000 |
| Howell County Missouri | 8 | $ 649,000 | $ 81,000 | $ 46,000 |
| Greene County Arkansas | 7 | $ 1,049,000 | $ 149,000 | $ 0 |
| Poinsett County Arkansas | 7 | $ 634,000 | $ 90,000 | $ 0 |
| Adair County Oklahoma | 7 | $ 550,000 | $ 78,000 | $ 42,000 |
| Baxter County Arkansas | 5 | $ 296,000 | $ 59,000 | $ 48,000 |
| Marion County Arkansas | 5 | $ 420,000 | $ 84,000 | $ 79,000 |
| Delaware County Oklahoma | 5 | $ 312,000 | $ 62,000 | $ 35,000 |
| Arkansas County Arkansas | 4 | $ 291,000 | $ 72,000 | $ 72,000 |
| Bradley County Arkansas | 4 | $ 525,000 | $ 131,000 | $ 72,000 |
| Montgomery County Arkansas | 4 | $ 269,000 | $ 67,000 | $ 164,000 |
| Dallas County Arkansas | 3 | $ 94,000 | $ 31,000 | $ 20,000 |
| Madison County Arkansas | 3 | $ 318,000 | $ 106,000 | $ 24,000 |
| Mississippi County Arkansas | 3 | $ 370,000 | $ 123,000 | $ 0 |
| Barry County Missouri | 3 | $ 294,000 | $ 98,000 | $ 39,000 |
| Carroll County Arkansas | 2 | $ 242,000 | $ 121,000 | $ 47,000 |
| Cross County Arkansas | 2 | $ 92,000 | $ 46,000 | $ 0 |
| Independence County Arkansas | 2 | $ 140,000 | $ 70,000 | $ 63,000 |
| Ouachita County Arkansas | 2 | $ 323,000 | $ 161,000 | $ 76,000 |
| Phillips County Arkansas | 2 | $ 170,000 | $ 85,000 | $ 77,000 |
| Randolph County Arkansas | 2 | $ 131,000 | $ 65,000 | $ 16,000 |
| Sevier County Arkansas | 2 | $ 293,000 | $ 146,000 | $ 60,000 |
| Union County Arkansas | 2 | $ 45,000 | $ 22,000 | $ 19,000 |
| Yell County Arkansas | 2 | $ 153,000 | $ 76,000 | $ 53,000 |
| District of Columbia County District Of Columbia | 2 | $ 535,000 | $ 267,000 | $ 216,000 |
| Ripley County Missouri | 2 | $ 226,000 | $ 113,000 | $ 24,000 |
| Le Flore County Oklahoma | 2 | $ 188,000 | $ 94,000 | $ 110,000 |
| Shelby County Tennessee | 2 | $ 416,000 | $ 208,000 | $ 180,000 |
| Ashley County Arkansas | 1 | $ 55,000 | $ 55,000 | $ 52,000 |
| Columbia County Arkansas | 1 | $ 90,000 | $ 90,000 | $ 44,000 |
| Crittenden County Arkansas | 1 | $ 147,000 | $ 147,000 | $ 62,000 |
| Johnson County Arkansas | 1 | $ 15,000 | $ 15,000 | $ 19,000 |
| Lawrence County Arkansas | 1 | $ 64,000 | $ 64,000 | $ 33,000 |
| Newton County Arkansas | 1 | $ 122,000 | $ 122,000 | $ 343,000 |
| St. Francis County Arkansas | 1 | $ 59,000 | $ 59,000 | $ 98,000 |
| Cook County Illinois | 1 | $ 115,000 | $ 115,000 | $ 41,000 |
| Sarpy County Nebraska | 1 | $ 106,000 | $ 106,000 | $ 72,000 |
| Wake County North Carolina | 1 | $ 162,000 | $ 162,000 | $ 85,000 |
| Payne County Oklahoma | 1 | $ 28,000 | $ 28,000 | $ 71,000 |
| Sequoyah County Oklahoma | 1 | $ 44,000 | $ 44,000 | $ 33,000 |
| Uinta County Wyoming | 1 | $ 31,000 | $ 31,000 | $ 50,000 |
Mortgage Loan Application Detail Totals for Simmons First National Bank in 2005
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 | 1,317 | $127,899,000 | $135,571 | $1,166,000 | $98,142 | $662,000 |
| Refinancing | 835 | $92,655,000 | $87,400 | $1,000,000 | $50,800 | $1,159,000 |
| Home Improvement | 206 | $3,995,000 | $31,000 | $225,000 | $43,500 | $668,000 |
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 | 1,955 | $196,498,000 | $125,777 | $1,166,000 | $88,111 | $1,159,000 |
| Black or African American | 274 | $15,107,000 | $55,000 | $352,000 | $42,000 | $330,000 |
| Hispanic | 58 | $5,137,000 | $88,000 | $175,000 | $42,000 | $110,000 |
| Not Provided | 25 | $2,113,000 | $58,500 | $252,000 | $42,000 | $352,000 |
| Not applicable | 23 | $3,031,000 | $131,000 | $852,000 | $171,000 | $662,000 |
| Asian | 15 | $2,008,000 | $133,000 | $302,000 | $43,000 | $99,000 |
| American Indian or Alaskan Native | 5 | $434,000 | $74,000 | $150,000 | $56,000 | $115,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $221,000 | $73,000 | $102,000 | $17,000 | $31,000 |
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) | 2,003 | $193,354,000 | $125,222 | $1,166,000 | $88,333 | $1,159,000 |
| FHA-insured (Federal Housing Administration) | 269 | $22,736,000 | $68,500 | $174,000 | $43,500 | $356,000 |
| VA-guaranteed (Veterans Administration) | 64 | $6,485,000 | $115,000 | $178,000 | $46,500 | $157,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 22 | $1,974,000 | $89,000 | $138,000 | $26,000 | $58,000 |
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 | 1,568 | $144,930,000 | $126,250 | $1,166,000 | $92,750 | $1,159,000 |
| Loan Purchased By The Institution | 354 | $45,575,000 | $128,000 | $825,000 | $0 | $31,000 |
| Application Denied By Financial Institution | 209 | $12,926,000 | $59,333 | $390,000 | $42,666 | $668,000 |
| Application Approved But Not Accepted | 114 | $11,003,000 | $104,666 | $302,000 | $60,000 | $240,000 |
| Application Withdrawn By Applicant | 85 | $8,241,000 | $128,000 | $285,000 | $38,500 | $228,000 |
| File Closed For Incompleteness | 28 | $1,874,000 | $66,000 | $180,000 | $29,000 | $87,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 129 | $6,337,000 | $57,666 | $225,000 | $51,666 | $668,000 |
| Debt-To-Income Ratio | 41 | $3,188,000 | $63,500 | $390,000 | $24,500 | $88,000 |
| Collateral | 21 | $1,753,000 | $81,000 | $288,000 | $39,000 | $250,000 |
| Employment History | 7 | $682,000 | $66,500 | $275,000 | $43,500 | $162,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $707,000 | $117,000 | $168,000 | $32,000 | $42,000 |
| Other | 4 | $256,000 | $64,000 | $155,000 | $59,000 | $72,000 |
| Unverifiable Information | 1 | $3,000 | $3,000 | $3,000 | $32,000 | $32,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Simmons First National Bank's 2005 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 First National 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.