Searcy County, AR Mortgage Lenders & HMDA Data, 2009
In 2009, lenders reported 384 mortgage applications in Searcy County, AR totaling $30.1 million, down 8% from 2008. The average application was for $78,000, and applicants reported an average income of $53,000. 63% of applications resulted in an originated loan and 22% were denied. The most active lender was Bank of the Ozarks, with 132 applications, followed by Homebank of Arkansas and Simmons First National Bank.
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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 | 384 |
| Total Mortgage Loan Application Amount | $30,106,000 |
| Average Mortgage Loan Application Amount | $78,000 |
| Highest Mortgage Loan Application Amount | $410,000 |
| Average Applicant Income | $53,000 |
| Highest Applicant Income | $391,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Bank of the Ozarks PO BOX 8811 LITTLE ROCK, AR 72231 |
* | $ 3,228,954,000 | 132 | $ 6,814,000 |
| Homebank of Arkansas PO BOX 342 DAMASCUS, AR 72039 |
* | $ 77,183,000 | 59 | $ 5,328,000 |
| Simmons First National Bank 501 MAIN PINE BLUFF, AR 71601 |
* | $ 1,424,029,000 | 36 | $ 2,411,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 15 | $ 1,334,000 |
| First Service Bank PO BOX 190 GREENBRIER, AR 72058 |
* | $ 219,617,000 | 14 | $ 682,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 13 | $ 1,358,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,471,631,047,000 | 12 | $ 1,340,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,746,242,000,000 | 8 | $ 860,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 538,958,000,000 | 8 | $ 767,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 8 | $ 1,046,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 4,858,594,000 | 7 | $ 413,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,157,838,000 | 6 | $ 1,121,000 |
| Arvest Bank Group 4500 SOUTH GARNETT SUIT 440 TULSA, OK 74146 |
* | $ 10,210,879,000 | 4 | $ 34,000 |
| Arvest Mortgage Company 931 W MONROE LOWELL, AR 72745 |
* | $ 10,210,879,000 | 4 | $ 398,000 |
| Regions Bank 1900 5TH AVENUE N - ALBH10903B BIRMINGHAM, AL 35203 |
* | $ 142,084,005,000 | 3 | $ 220,000 |
| Community First Bank P.O. BOX 1700 HARRISON, AR 72602 |
* | $ 562,786,000 | 3 | $ 292,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 185,098,787,000 | 3 | $ 439,000 |
| First Arkansas Bank and Trust 600 WEST MAIN STREET JACKSONVILLE, AR 72076 |
* | $ 513,905,000 | 3 | $ 183,000 |
| First Federal Bank 1401 HWY 62-65N HARRISON, AR 72601 |
* | $ 795,143,000 | 3 | $ 196,000 |
| Iberiabankfsb 5800 R STREET LITTLE ROCK, AR 72207 |
* | $ 1,512,499,000 | 2 | $ 115,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 32,584,979,000 | 2 | $ 225,000 |
| Shelter Financial Bank 1817 W. BROADWAY COLUMBIA, MO 65218 |
* | $ 155,344,000 | 2 | $ 225,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 117,978,966,000 | 2 | $ 177,000 |
| First Security Bank PO BOX 938 CONWAY, AR 72033 |
* | $ 2,420,553,000 | 2 | $ 128,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 32,882,574,000 | 2 | $ 288,000 |
| First Arkansas Mortgage Co P. O. BOX 6009 SHERWOOD, AR 72124 |
* | $ 30,000,000 | 2 | $ 289,000 |
| Liberty Bank of Arkansas 2901 EAST HIGHLAND DRIVE JONESBORO, AR 72401 |
* | $ 2,615,639,000 | 2 | $ 95,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,227,040,000,000 | 2 | $ 121,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 261,775,591,000 | 2 | $ 217,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 2 | $ 231,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 83,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 1 | $ 127,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ 10,000,000 | 1 | $ 100,000 |
| The Mortgage Outlet, Inc. 1800 SANDY PLAINS PKWY. SUITE 304 MARIETTA, GA 30066 |
* | $ 10,000,000 | 1 | $ 95,000 |
| Primary Capital 1000 PARKWOOD CIRCLE, SUITE 600 ATLANTA, GA 30339 |
* | $ 10,000,000 | 1 | $ 86,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 1 | $ 112,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 1 | $ 63,000 |
| Gateway Bank, FSB 2336 MERCED STREET SAN LEANDRO, CA 94577 |
* | $ 479,176,000 | 1 | $ 86,000 |
| Everbank 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 7,047,356,000 | 1 | $ 67,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ 10,000,000 | 1 | $ 200,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 140,777,455,000 | 1 | $ 130,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 1 | $ 80,000 |
| The Mortgage Bank of Arkansas 11715 RAINWOOD ROAD C-1 LITTLE ROCK, AR 72212 |
* | $ 143,454,000 | 1 | $ 222,000 |
| Signature Bank of Arkansas 3878 N CROSSOVER ROAD STE 20 FAYETTEVILLE, AR 72703 |
* | $ 650,723,000 | 1 | $ 410,000 |
| Bank of Little Rock Mortgage Corporation 15909 CANTRELL ROAD LITTLE ROCK, AR 72223 |
* | $ 148,469,000 | 1 | $ 88,000 |
| Centennial Bank PO BOX 966 ARKANSAS, AR 72033 |
* | $ 1,020,857,000 | 1 | $ 80,000 |
| Everhome Mortgage Company 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 3,027,261,000 | 1 | $ 67,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 36,351,625,000 | 1 | $ 180,000 |
| American Bank 9001 EDMONSTON ROAD, SUITE 100 GREENBELT, MD 20770 |
* | $ 529,592,000 | 1 | $ 116,000 |
The tables below break down 2009 mortgage applications in Searcy 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 Searcy 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 |
|---|---|---|---|---|---|---|
| Refinancing | 236 | $19,811,000 | $83,000 | $319,000 | $51,000 | $207,000 |
| Home Purchase | 98 | $8,333,000 | $85,000 | $410,000 | $59,000 | $391,000 |
| Home Improvement | 50 | $1,962,000 | $39,000 | $360,000 | $55,000 | $183,000 |
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 | 354 | $27,437,000 | $77,000 | $410,000 | $54,000 | $391,000 |
| Not Provided | 16 | $1,225,000 | $76,000 | $161,000 | $40,000 | $114,000 |
| Not applicable | 10 | $1,008,000 | $100,000 | $219,000 | $31,000 | $116,000 |
| American Indian or Alaskan Native | 3 | $399,000 | $133,000 | $198,000 | $107,000 | $152,000 |
| Hispanic | 1 | $37,000 | $37,000 | $37,000 | $90,000 | $90,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 322 | $23,434,000 | $72,000 | $410,000 | $56,000 | $391,000 |
| FHA-insured (Federal Housing Administration) | 46 | $4,879,000 | $106,000 | $222,000 | $38,000 | $145,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 12 | $1,106,000 | $92,000 | $170,000 | $36,000 | $66,000 |
| VA-guaranteed (Veterans Administration) | 4 | $687,000 | $171,000 | $183,000 | $43,000 | $90,000 |
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 | 241 | $15,695,000 | $65,000 | $410,000 | $56,000 | $391,000 |
| Application Denied By Financial Institution | 84 | $7,360,000 | $87,000 | $319,000 | $46,000 | $152,000 |
| Loan Purchased By The Institution | 29 | $2,967,000 | $102,000 | $305,000 | $55,000 | $207,000 |
| Application Withdrawn By Applicant | 17 | $1,936,000 | $113,000 | $222,000 | $54,000 | $145,000 |
| Application Approved But Not Accepted | 9 | $1,516,000 | $168,000 | $360,000 | $44,000 | $155,000 |
| File Closed For Incompleteness | 4 | $632,000 | $158,000 | $222,000 | $54,000 | $78,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 11 | $1,054,000 | $95,000 | $200,000 | $74,000 | $144,000 |
| Credit History | 11 | $631,000 | $57,000 | $150,000 | $40,000 | $124,000 |
| Debt-To-Income Ratio | 8 | $544,000 | $68,000 | $150,000 | $34,000 | $67,000 |
| Credit Application Incomplete | 3 | $316,000 | $105,000 | $159,000 | $39,000 | $59,000 |
| Other | 2 | $235,000 | $117,000 | $135,000 | $47,000 | $59,000 |
| Unverifiable Information | 1 | $27,000 | $27,000 | $27,000 | $84,000 | $84,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $75,000 | $75,000 | $75,000 | $40,000 | $40,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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