Lincoln County, AR Mortgage Lenders & HMDA Data, 2009
In 2009, lenders reported 300 mortgage applications in Lincoln County, AR totaling $22.5 million, down 6% from 2008. The average application was for $74,000, and applicants reported an average income of $53,000. 48% of applications resulted in an originated loan and 21% were denied. The most active lender was Bank of Star City, with 32 applications, followed by JPMorgan Chase Bank, NA and Relyance Bank, National Association.
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| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 300 |
| Total Mortgage Loan Application Amount | $22,498,000 |
| Average Mortgage Loan Application Amount | $74,000 |
| Highest Mortgage Loan Application Amount | $290,000 |
| Average Applicant Income | $53,000 |
| Highest Applicant Income | $323,000 |
* Phone Numbers for Mortgage Lenders are available with a Data Download Report
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Bank of Star City P.O. BOX 69 STAR CITY, AR 71667 |
* | $ 92,105,000 | 32 | $ 792,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,746,242,000,000 | 30 | $ 3,204,000 |
| Relyance Bank, National Association 912 SOUTH POPLAR STREET PINE BLUFF, AR 71601 |
* | $ 351,139,000 | 20 | $ 831,000 |
| Simmons First National Bank 501 MAIN PINE BLUFF, AR 71601 |
* | $ 1,424,029,000 | 19 | $ 797,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 18 | $ 1,515,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 16 | $ 784,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 14 | $ 1,518,000 |
| Union Bank & Trust Co P O BOX 270 MONTICELLO, AR 71657 |
* | $ 180,252,000 | 13 | $ 385,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,471,631,047,000 | 12 | $ 1,311,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 538,958,000,000 | 12 | $ 1,182,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 261,775,591,000 | 10 | $ 583,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,227,040,000,000 | 10 | $ 540,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 10 | $ 1,036,000 |
| Cotton Belt Federal Credit Union 1703 RIVER PINES BLVD PINE BLUFF, AR 71601 |
* | $ 53,967,000 | 6 | $ 465,000 |
| Fidelity Bank 100 E ENGLISH WICHITA, KS 67202 |
* | $ 1,853,520,000 | 6 | $ 245,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 117,978,966,000 | 5 | $ 485,000 |
| Regions Bank 1900 5TH AVENUE N - ALBH10903B BIRMINGHAM, AL 35203 |
* | $ 142,084,005,000 | 5 | $ 794,000 |
| Fairfield Federal Credit Union P.O. BOX 5700 PINE BLUFF, AR 71611 |
* | $ 69,253,000 | 5 | $ 579,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 16,669,297,000 | 4 | $ 148,000 |
| Parkway Bank 3350 PINNACLE HILLS PARKWAY ROGERS, AR 72758 |
* | $ 130,180,000 | 4 | $ 72,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 185,098,787,000 | 3 | $ 174,000 |
| Capital One NA 11130 INDUSTRIALPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 115,142,306,000 | 3 | $ 11,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 3 | $ 229,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 3 | $ 640,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 3 | $ 652,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,677,931,000 | 2 | $ 143,000 |
| Bank of Little Rock Mortgage Corporation 15909 CANTRELL ROAD LITTLE ROCK, AR 72223 |
* | $ 148,469,000 | 2 | $ 315,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,157,838,000 | 2 | $ 378,000 |
| Midfirst Bank 501 NW GRAND BLVD. OKLAHOMA CITY, OK 73118 |
* | $ 14,649,039,000 | 2 | $ 152,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 32,882,574,000 | 2 | $ 159,000 |
| Affiliated Mortgage Company 1301 HUDSON LANE MONROE, LA 71201 |
* | $ 212,423,000 | 1 | $ 113,000 |
| Iberiabankfsb 5800 R STREET LITTLE ROCK, AR 72207 |
* | $ 1,512,499,000 | 1 | $ 84,000 |
| Everbank 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 7,047,356,000 | 1 | $ 17,000 |
| Shelter Financial Bank 1817 W. BROADWAY COLUMBIA, MO 65218 |
* | $ 155,344,000 | 1 | $ 33,000 |
| Truity Federal Credit Union 501 S JOHNSTONE BARTLESVILLE, OK 74003 |
* | $ 459,189,000 | 1 | $ 132,000 |
| Arkansas Federal Credit Union 17500 CANTRELL LITTLE ROCK, AR 72223 |
* | $ 695,913,000 | 1 | $ 49,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 21,270,147,000 | 1 | $ 27,000 |
| Great Southern Bank 218 S GLENSTONE AVE SPRINGFIELD, MO 65802 |
* | $ 2,657,417,000 | 1 | $ 16,000 |
| Simmons First Bank-Jonesboro P.O. BOX 7509 JONESBORO, AR 72403 |
* | $ 294,716,000 | 1 | $ 15,000 |
| Crescent Mortgage Company 5901 PEACHTREE DUNWOODY RD NE BLG C, 250 ATLANTA, GA 30328 |
* | $ 1,140,194,000 | 1 | $ 99,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 69,459,606,000 | 1 | $ 183,000 |
| Pilot Bank 12471 W. LINEBAUGH AVE TAMPA, FL 33626 |
* | $ 252,466,000 | 1 | $ 24,000 |
| Centennial Bank PO BOX 966 ARKANSAS, AR 72033 |
* | $ 1,020,857,000 | 1 | $ 23,000 |
| Wintrust Mortgage Corporation 660 MIDWEST RD SUITE 100 OAK BROOK TERRACE, IL 60181 |
* | $ 300,000,000 | 1 | $ 65,000 |
| Metlife Bank, N.A. 334 MADISON AVENUE CONVENT STATION, NJ 07961 |
* | $ 10,273,647,000 | 1 | $ 196,000 |
| The Mortgage Outlet, Inc. 1800 SANDY PLAINS PKWY. SUITE 304 MARIETTA, GA 30066 |
* | $ 10,000,000 | 1 | $ 127,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 138,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 1 | $ 48,000 |
| Vanderbilt Mortgage 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 1 | $ 31,000 |
The tables below break down 2009 mortgage applications in Lincoln County, AR by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Lincoln County, AR in 2009
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 | 136 | $8,109,000 | $59,000 | $215,000 | $44,000 | $189,000 |
| Refinancing | 128 | $13,812,000 | $107,000 | $290,000 | $63,000 | $323,000 |
| Home Improvement | 36 | $577,000 | $16,000 | $86,000 | $52,000 | $98,000 |
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 | 243 | $17,898,000 | $73,000 | $290,000 | $56,000 | $323,000 |
| Black or African American | 20 | $1,456,000 | $72,000 | $215,000 | $28,000 | $98,000 |
| Not applicable | 17 | $991,000 | $58,000 | $135,000 | $30,000 | $96,000 |
| Not Provided | 15 | $1,870,000 | $124,000 | $286,000 | $58,000 | $135,000 |
| Hispanic | 4 | $242,000 | $60,000 | $86,000 | $51,000 | $90,000 |
| American Indian or Alaskan Native | 1 | $41,000 | $41,000 | $41,000 | $55,000 | $55,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 201 | $12,729,000 | $63,000 | $290,000 | $57,000 | $323,000 |
| FHA-insured (Federal Housing Administration) | 63 | $5,800,000 | $92,000 | $235,000 | $46,000 | $154,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 26 | $2,392,000 | $92,000 | $215,000 | $29,000 | $68,000 |
| VA-guaranteed (Veterans Administration) | 10 | $1,577,000 | $157,000 | $286,000 | $70,000 | $135,000 |
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 | 144 | $9,428,000 | $65,000 | $286,000 | $60,000 | $323,000 |
| Application Denied By Financial Institution | 63 | $4,794,000 | $76,000 | $290,000 | $47,000 | $172,000 |
| Loan Purchased By The Institution | 49 | $4,835,000 | $98,000 | $286,000 | $40,000 | $154,000 |
| Application Withdrawn By Applicant | 20 | $1,753,000 | $87,000 | $286,000 | $54,000 | $135,000 |
| Application Approved But Not Accepted | 16 | $884,000 | $55,000 | $123,000 | $46,000 | $104,000 |
| File Closed For Incompleteness | 8 | $804,000 | $100,000 | $178,000 | $53,000 | $111,000 |
| 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 | 28 | $1,226,000 | $43,000 | $163,000 | $41,000 | $95,000 |
| Debt-To-Income Ratio | 8 | $320,000 | $40,000 | $88,000 | $24,000 | $39,000 |
| Collateral | 5 | $646,000 | $129,000 | $290,000 | $68,000 | $114,000 |
| Unverifiable Information | 3 | $200,000 | $66,000 | $73,000 | $45,000 | $80,000 |
| Other | 1 | $196,000 | $196,000 | $196,000 | $70,000 | $70,000 |
| Credit Application Incomplete | 1 | $57,000 | $57,000 | $57,000 | $34,000 | $34,000 |
| Employment History | 1 | $41,000 | $41,000 | $41,000 | $55,000 | $55,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $24,000 | $24,000 | $24,000 | $78,000 | $78,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
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