Simmons First National Bank Mortgage Lending & HMDA Data, 2012
In 2012, Simmons First National Bank of Pine Bluff, AR reported 2,238 mortgage applications totaling $296.9 million, up 15% from 2011. The average application was for $132,645, and applicants reported an average income of $75,305. 65% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Little Rock-North Little Rock-Conway, AR (458), Pine Bluff, AR (383) and Kansas City, MO-KS (307) (applications in parentheses).
| 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 | 2,238 |
| Total Mortgage Loan Application Amount | $296,861,000 |
| Average Mortgage Loan Application Amount | $132,645 |
| Highest Mortgage Loan Application Amount | $3,830,000 |
| Average Applicant Income | $75,305 |
| Highest Applicant Income | $1,745,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Simmons First National Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Jefferson, Arkansas | 341 | $ 41,285,000 | $ 121,070 | $ 59,000 |
| Johnson, Kansas | 248 | $ 45,136,000 | $ 182,000 | $ 92,000 |
| Pulaski, Arkansas | 215 | $ 37,556,000 | $ 174,679 | $ 114,000 |
| Faulkner, Arkansas | 159 | $ 22,446,000 | $ 141,169 | $ 92,000 |
| Sebastian, Arkansas | 85 | $ 11,491,000 | $ 135,188 | $ 76,000 |
| Franklin, Arkansas | 68 | $ 3,994,000 | $ 58,735 | $ 84,000 |
| Van Buren, Arkansas | 47 | $ 3,340,000 | $ 71,063 | $ 58,000 |
| Sedgwick, Kansas | 43 | $ 5,870,000 | $ 136,511 | $ 77,000 |
| Oregon, Missouri | 40 | $ 3,547,000 | $ 88,675 | $ 55,000 |
| Drew, Arkansas | 37 | $ 5,309,000 | $ 143,486 | $ 75,000 |
| Saline, Arkansas | 37 | $ 5,084,000 | $ 137,405 | $ 84,000 |
| Saline, Kansas | 37 | $ 5,187,000 | $ 140,189 | $ 54,000 |
| Greene, Missouri | 37 | $ 4,102,000 | $ 110,864 | $ 30,000 |
| Crawford, Arkansas | 32 | $ 3,649,000 | $ 114,031 | $ 70,000 |
| Stone, Arkansas | 32 | $ 2,181,000 | $ 68,156 | $ 95,000 |
| Jackson, Missouri | 25 | $ 3,595,000 | $ 143,800 | $ 84,000 |
| Lincoln, Arkansas | 24 | $ 2,580,000 | $ 107,500 | $ 68,000 |
| Searcy, Arkansas | 24 | $ 2,051,000 | $ 85,458 | $ 60,000 |
| Grant, Arkansas | 23 | $ 4,893,000 | $ 212,739 | $ 55,000 |
| Chicot, Arkansas | 21 | $ 3,271,000 | $ 155,761 | $ 182,000 |
| Desha, Arkansas | 21 | $ 1,852,000 | $ 88,190 | $ 66,000 |
| Garland, Arkansas | 20 | $ 3,358,000 | $ 167,900 | $ 106,000 |
| Cleveland, Arkansas | 18 | $ 2,633,000 | $ 146,277 | $ 79,000 |
| Lonoke, Arkansas | 17 | $ 2,349,000 | $ 138,176 | $ 74,000 |
| Sharp, Arkansas | 17 | $ 883,000 | $ 51,941 | $ 55,000 |
| Cleburne, Arkansas | 15 | $ 2,052,000 | $ 136,800 | $ 99,000 |
| Miami, Kansas | 12 | $ 1,962,000 | $ 163,500 | $ 73,000 |
| St. Louis, Missouri | 12 | $ 2,941,000 | $ 245,083 | $ 0 |
| Phillips, Arkansas | 11 | $ 1,046,000 | $ 95,090 | $ 70,000 |
| Fulton, Arkansas | 10 | $ 565,000 | $ 56,500 | $ 58,000 |
| Conway, Arkansas | 9 | $ 1,049,000 | $ 116,555 | $ 105,000 |
| Clay, Missouri | 8 | $ 1,492,000 | $ 186,500 | $ 82,000 |
| Pettis, Missouri | 8 | $ 1,291,000 | $ 161,375 | $ 17,000 |
| Le Flore, Oklahoma | 8 | $ 573,000 | $ 71,625 | $ 49,000 |
| Perry, Arkansas | 7 | $ 612,000 | $ 87,428 | $ 73,000 |
| Ashley, Arkansas | 6 | $ 460,000 | $ 76,666 | $ 43,000 |
| White, Arkansas | 6 | $ 769,000 | $ 128,166 | $ 8,000 |
| Howell, Missouri | 6 | $ 625,000 | $ 104,166 | $ 54,000 |
| Arkansas, Arkansas | 5 | $ 485,000 | $ 97,000 | $ 80,000 |
| Baxter, Arkansas | 5 | $ 631,000 | $ 126,200 | $ 72,000 |
| Union, Arkansas | 5 | $ 691,000 | $ 138,200 | $ 69,000 |
| Wyandotte, Kansas | 5 | $ 694,000 | $ 138,800 | $ 31,000 |
| Benton, Arkansas | 4 | $ 604,000 | $ 151,000 | $ 71,000 |
| Logan, Arkansas | 4 | $ 383,000 | $ 95,750 | $ 73,000 |
| Washington, Arkansas | 4 | $ 613,000 | $ 153,250 | $ 69,000 |
| Butler, Kansas | 4 | $ 530,000 | $ 132,500 | $ 91,000 |
| Cass, Missouri | 4 | $ 692,000 | $ 173,000 | $ 46,000 |
| Johnson, Arkansas | 3 | $ 264,000 | $ 88,000 | $ 40,000 |
| Pope, Arkansas | 3 | $ 420,000 | $ 140,000 | $ 80,000 |
| Douglas, Kansas | 3 | $ 268,000 | $ 89,333 | $ 81,000 |
| Ottawa, Kansas | 3 | $ 361,000 | $ 120,333 | $ 76,000 |
| Christian, Missouri | 3 | $ 383,000 | $ 127,666 | $ 36,000 |
| St. Louis City, Missouri | 3 | $ 212,000 | $ 70,666 | $ 0 |
| Shelby, Tennessee | 3 | $ 351,000 | $ 117,000 | $ 116,000 |
| Clark, Arkansas | 2 | $ 365,000 | $ 182,500 | $ 163,000 |
| Howard, Arkansas | 2 | $ 254,000 | $ 127,000 | $ 179,000 |
| Izard, Arkansas | 2 | $ 336,000 | $ 168,000 | $ 104,000 |
| Scott, Arkansas | 2 | $ 121,000 | $ 60,500 | $ 23,000 |
| Ford, Kansas | 2 | $ 220,000 | $ 110,000 | $ 131,000 |
| McPherson, Kansas | 2 | $ 174,000 | $ 87,000 | $ 29,000 |
| Lawrence, Missouri | 2 | $ 253,000 | $ 126,500 | $ 46,000 |
| Platte, Missouri | 2 | $ 313,000 | $ 156,500 | $ 103,000 |
| Sequoyah, Oklahoma | 2 | $ 114,000 | $ 57,000 | $ 29,000 |
| Maricopa, Arizona | 1 | $ 79,000 | $ 79,000 | $ 0 |
| Boone, Arkansas | 1 | $ 226,000 | $ 226,000 | $ 234,000 |
| Bradley, Arkansas | 1 | $ 119,000 | $ 119,000 | $ 88,000 |
| Carroll, Arkansas | 1 | $ 147,000 | $ 147,000 | $ 162,000 |
| Crittenden, Arkansas | 1 | $ 122,000 | $ 122,000 | $ 52,000 |
| Greene, Arkansas | 1 | $ 209,000 | $ 209,000 | $ 0 |
| Hempstead, Arkansas | 1 | $ 79,000 | $ 79,000 | $ 27,000 |
| Independence, Arkansas | 1 | $ 126,000 | $ 126,000 | $ 86,000 |
| Lee, Arkansas | 1 | $ 67,000 | $ 67,000 | $ 58,000 |
| Marion, Arkansas | 1 | $ 144,000 | $ 144,000 | $ 168,000 |
| Monroe, Arkansas | 1 | $ 97,000 | $ 97,000 | $ 37,000 |
| Montgomery, Arkansas | 1 | $ 296,000 | $ 296,000 | $ 624,000 |
| Newton, Arkansas | 1 | $ 193,000 | $ 193,000 | $ 68,000 |
| Pike, Arkansas | 1 | $ 140,000 | $ 140,000 | $ 63,000 |
| Randolph, Arkansas | 1 | $ 20,000 | $ 20,000 | $ 74,000 |
| Sevier, Arkansas | 1 | $ 99,000 | $ 99,000 | $ 31,000 |
| Yell, Arkansas | 1 | $ 158,000 | $ 158,000 | $ 57,000 |
| Crawford, Kansas | 1 | $ 135,000 | $ 135,000 | $ 97,000 |
| Franklin, Kansas | 1 | $ 115,000 | $ 115,000 | $ 57,000 |
| Kingman, Kansas | 1 | $ 81,000 | $ 81,000 | $ 30,000 |
| Leavenworth, Kansas | 1 | $ 85,000 | $ 85,000 | $ 45,000 |
| Linn, Kansas | 1 | $ 212,000 | $ 212,000 | $ 161,000 |
| Lyon, Kansas | 1 | $ 101,000 | $ 101,000 | $ 40,000 |
| Morris, Kansas | 1 | $ 125,000 | $ 125,000 | $ 72,000 |
| Pottawatomie, Kansas | 1 | $ 260,000 | $ 260,000 | $ 233,000 |
| Reno, Kansas | 1 | $ 88,000 | $ 88,000 | $ 22,000 |
| Riley, Kansas | 1 | $ 162,000 | $ 162,000 | $ 82,000 |
| Sumner, Kansas | 1 | $ 63,000 | $ 63,000 | $ 45,000 |
| Crow Wing, Minnesota | 1 | $ 25,000 | $ 25,000 | $ 0 |
| Benton, Missouri | 1 | $ 81,000 | $ 81,000 | $ 204,000 |
| Boone, Missouri | 1 | $ 134,000 | $ 134,000 | $ 38,000 |
| Johnson, Missouri | 1 | $ 22,000 | $ 22,000 | $ 0 |
| St. Charles, Missouri | 1 | $ 293,000 | $ 293,000 | $ 85,000 |
| Stone, Missouri | 1 | $ 125,000 | $ 125,000 | $ 117,000 |
| Taney, Missouri | 1 | $ 78,000 | $ 78,000 | $ 65,000 |
| Warren, Missouri | 1 | $ 34,000 | $ 34,000 | $ 0 |
| Lancaster, Nebraska | 1 | $ 240,000 | $ 240,000 | $ 144,000 |
| Washington, Oklahoma | 1 | $ 100,000 | $ 100,000 | $ 117,000 |
| Knox, Tennessee | 1 | $ 417,000 | $ 417,000 | $ 220,000 |
Mortgage Loan Application Detail Totals for Simmons First National Bank in 2012
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 | 1,065 | $131,108,000 | $123,000 | $2,188,000 | $67,000 | $1,745,000 |
| Refinancing | 1,036 | $163,161,000 | $157,000 | $3,830,000 | $86,000 | $1,047,000 |
| Home Improvement | 137 | $2,592,000 | $18,000 | $150,000 | $59,000 | $500,000 |
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 | 1,830 | $243,551,000 | $133,000 | $2,078,000 | $82,000 | $1,745,000 |
| Black or African American | 255 | $25,030,000 | $98,000 | $560,000 | $48,000 | $250,000 |
| Not applicable | 72 | $18,185,000 | $252,000 | $3,830,000 | $5,000 | $304,000 |
| Hispanic | 46 | $4,996,000 | $108,000 | $295,000 | $60,000 | $300,000 |
| Asian | 25 | $4,201,000 | $168,000 | $747,000 | $97,000 | $357,000 |
| Not Provided | 8 | $783,000 | $97,000 | $199,000 | $41,000 | $98,000 |
| American Indian or Alaskan Native | 2 | $115,000 | $57,000 | $111,000 | $86,000 | $109,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 1,571 | $217,593,000 | $138,000 | $3,830,000 | $85,000 | $1,745,000 |
| FHA-insured (Federal Housing Administration) | 505 | $57,492,000 | $113,000 | $276,000 | $52,000 | $688,000 |
| VA-guaranteed (Veterans Administration) | 90 | $14,032,000 | $155,000 | $297,000 | $55,000 | $169,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 72 | $7,744,000 | $107,000 | $244,000 | $40,000 | $80,000 |
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 | 1,464 | $197,407,000 | $134,000 | $3,830,000 | $82,000 | $1,745,000 |
| Preapproval Denied by Financial Institution | 205 | $22,152,000 | $108,000 | $560,000 | $46,000 | $210,000 |
| Application Denied By Financial Institution | 190 | $20,954,000 | $110,000 | $400,000 | $57,000 | $238,000 |
| Application Approved But Not Accepted | 162 | $24,635,000 | $152,000 | $1,080,000 | $81,000 | $473,000 |
| Preapproval Approved but not Accepted | 129 | $16,601,000 | $128,000 | $560,000 | $64,000 | $1,000,000 |
| Application Withdrawn By Applicant | 40 | $7,175,000 | $179,000 | $725,000 | $96,000 | $318,000 |
| Loan Purchased By The Institution | 26 | $4,415,000 | $169,000 | $2,188,000 | $0 | $0 |
| File Closed For Incompleteness | 22 | $3,522,000 | $160,000 | $417,000 | $101,000 | $235,000 |
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 | 271 | $27,685,000 | $102,000 | $375,000 | $48,000 | $210,000 |
| Debt-To-Income Ratio | 58 | $7,732,000 | $133,000 | $560,000 | $40,000 | $113,000 |
| Collateral | 35 | $4,001,000 | $114,000 | $400,000 | $76,000 | $238,000 |
| Other | 12 | $1,172,000 | $97,000 | $223,000 | $91,000 | $206,000 |
| Employment History | 11 | $1,495,000 | $135,000 | $334,000 | $55,000 | $128,000 |
| Mortgage Insurance Denied | 4 | $522,000 | $130,000 | $215,000 | $80,000 | $102,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $285,000 | $95,000 | $125,000 | $49,000 | $86,000 |
| Unverifiable Information | 1 | $214,000 | $214,000 | $214,000 | $52,000 | $52,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Simmons First National Bank's 2012 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.
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