St. Francis County, AR Mortgage Lenders & HMDA Data, 2011

In 2011, lenders reported 582 mortgage applications in St. Francis County, AR totaling $41.9 million, down 18% from 2010. The average application was for $71,000, and applicants reported an average income of $54,000. 43% of applications resulted in an originated loan and 24% were denied. The most active lender was First National Bank of Eastern Arkansas, with 121 applications, followed by Wells Fargo Bank NA and 21st Mortgage.

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Total Number of Mortgage Applications 582
Total Mortgage Loan Application Amount $41,885,000
Average Mortgage Loan Application Amount $71,000
Highest Mortgage Loan Application Amount $1,950,000
Average Applicant Income $54,000
Highest Applicant Income $1,176,000

Mortgage Company List for Lending in St. Francis County, AR for 2011

* 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
First National Bank of Eastern Arkansas
101 N WASHINGTON STREET
FORREST CITY, AR 72335
* $ 325,603,000 121 $ 4,281,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,104,833,000,000 61 $ 5,897,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 55 $ 2,920,000
Iberiabank Mortgage Company
285 WEST ESPLANADE AVE, SECOND FLOOR
KENNER, LA 70065
* $ 499,416,000 48 $ 4,716,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,791,060,000,000 35 $ 3,672,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 35 $ 2,001,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 126,719,736,000 32 $ 1,337,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 20 $ 1,467,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,454,050,584,000 13 $ 1,199,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 11 $ 953,000
Cross County Bank
P. O. BOX 9
WYNNE, AR 72396
* $ 164,067,000 11 $ 2,858,000
The First National Bank of Wynne
P.O. BOX 129, 528 E MERRIMAN AVE
WYNNE, AR 72396
* $ 261,633,000 9 $ 264,000
Wells Fargo Funding, Inc
100 N MAIN STREEET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 25,457,000 7 $ 713,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 48,783,813,000 6 $ 377,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 310,099,589,000 6 $ 404,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,216,291,000,000 5 $ 250,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ 100,000,000 5 $ 452,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 162,509,568,000 5 $ 650,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 213,864,000 5 $ 514,000
Success Credit Union
P.O. BOX 467
BLYTHEVILLE, AR 72316
* $ 88,112,000 4 $ 276,000
Fidelity National Bank
330 WEST BROADWAY ST.
WEST MEMPHIS, AR 72301
* $ 317,803,000 4 $ 26,000
Bank of Little Rock Mortgage Corporation
15909 CANTRELL ROAD
LITTLE ROCK, AR 72223
* $ 167,193,000 4 $ 348,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 10,788,420,000 4 $ 141,000
Evolve Bank & Trust
6000 POPLAR AVENUE SUITE 300
MEMPHIS, TN 38119
* $ 160,432,000 4 $ 196,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 4 $ 321,000
United Built Homes, LLC
8500 LINE AVE
SHREVEPORT, LA 71106
* $ 59,713,000 4 $ 376,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 4 $ 219,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 14,796,328,000 3 $ 126,000
Signature Bank of Arkansas
3878 N CROSSOVER ROAD STE 20
FAYETTEVILLE, AR 72703
* $ 514,288,000 3 $ 145,000
Arvest Mortgage Company
931 W MONROE
LOWELL, AR 72745
* $ 11,516,509,000 3 $ 276,000
Admirals Bank
15 PARK ROW WEST
PROVIDENCE, RI 02903
* $ 341,542,000 3 $ 25,000
Cotton Belt Federal Credit Union
1703 RIVER PINES BLVD
PINE BLUFF, AR 71601
* $ 57,160,000 2 $ 50,000
Suntrust Bank
P.O. BOX 4418, MAIL CODE 0663
ATLANTA, GA 30302
* $ 165,800,581,000 2 $ 7,000
Cadence Bank
P O BOX 789
TUPELO, MS 38804
* $ 13,362,287,000 2 $ 40,000
Home Loan Center, Inc.
11115 RUSHMORE DRIVE
CHARLOTTE, NC 28277
* $ 10,000,000 2 $ 178,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 2 $ 256,000
Cis Financial Services, Inc.
851 MILITARY STREET N
HAMILTON, AL 35570
* $ 14,200,000 1 $ 73,000
Generation Mortgage Company
3565 PIEDMONT ROAD, NE STE. 300
ATLANTA, GA 30305
* $ 73,926,000 1 $ 42,000
Member Advantage Mortgage
3330 BROADMOOR SE, SUITE B
GRAND RAPIDS, MI 49512
* $ 8,810,000 1 $ 12,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ 10,000,000 1 $ 86,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ 10,000,000 1 $ 73,000
Ifreedom Direct Corporation
124 N. CHARLES LINDBERGH DRIVE
SLC, UT 84116
* $ 10,000,000 1 $ 70,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 1 $ 241,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ 10,000,000 1 $ 116,000
J.G. Wentworth Home Lending, LLC
3350 COMMISSION COURT
WOODBRIDGE, VA 22192
* $ 10,000,000 1 $ 59,000
Homeowners Mortgage of America
100 GALLERIA PARKWAY STE 1400
ATLANTA, GA 30339
* $ 10,000,000 1 $ 111,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 1 $ 72,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ 3,125,000 1 $ 68,000
First Residential Mortgage
9721 ORMSBY STATION RD.
LOUISVILLE, KY 40223
* $ 10,000,000 1 $ 84,000
Bokf NA
ONE WEST 3RD, 5TH FL
TULSA, OK 74172
* $ 24,055,290,000 1 $ 80,000
Iberiabank
285 WEST ESPLANADE AVENUE, 2ND FLOOR
KENNER, LA 70065
* $ 11,357,978,000 1 $ 199,000
US Bk NA Nd
4325 17TH AVENUE, S.W.
FARGO, ND 58103
* $ 5,955,059,000 1 $ 60,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 12,522,585,000 1 $ 78,000
Arkansas Federal Credit Union
17500 CANTRELL
LITTLE ROCK, AR 72223
* $ 821,206,000 1 $ 62,000
First Community Mortgage, Inc.
275 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ 10,000,000 1 $ 262,000
Carepoint Federal Credit Union
2373 W. LA PALMA AVE
ANAHEIM, CA 92801
* $ 44,337,000 1 $ 83,000
Hope Federal Credit Union
4 OLD RIVER PLACE
JACKSON, MS 39202
* $ 138,865,000 1 $ 5,000
One Reverse Mortgage, LLC
4445 EASTGATE MALL, SUITE 320
SAN DIEGO, CA 92121
* $ 39,000,000 1 $ 93,000
Eagle National Bank
8045 WEST CHESTER PIKE
UPPER DARBY, PA 19082
* $ 234,030,000 1 $ 300,000
Access National Bank
1800 ROBERT FULTON DR
RESTON, VA 20191
* $ 830,474,000 1 $ 141,000
Fidelity Bank
100 E ENGLISH
WICHITA, KS 67202
* $ 1,640,565,000 1 $ 47,000
American Bank
9001 EDMONSTON ROAD SUITE 100
GREENBELT, MD 20770
* $ 555,205,000 1 $ 66,000
First Security Bank
PO BOX 938
CONWAY, AR 72033
* $ 3,509,792,000 1 $ 73,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ 2,068,872,000 1 $ 157,000
Liberty Bank of Arkansas
2901 EAST HIGHLAND DRIVE
JONESBORO, AR 72401
* $ 2,543,031,000 1 $ 165,000
The Farmers & Merchants Bank
708 S MAIN ST
STUTTGART, AR 72160
* $ 608,111,000 1 $ 35,000
Access National Mortgage Corp
1800 ROBERT FULTON DR, SUITE 350
RESTON, VA 20191
* $ 10,000,000 1 $ 114,000

The tables below break down 2011 mortgage applications in St. Francis 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 St. Francis County, AR in 2011

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 292 $22,826,000 $78,000 $1,950,000 $59,000 $1,176,000
Home Purchase 234 $17,776,000 $75,000 $262,000 $45,000 $404,000
Home Improvement 56 $1,283,000 $22,000 $134,000 $65,000 $312,000

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 295 $24,140,000 $81,000 $1,950,000 $66,000 $1,176,000
Black or African American 195 $11,297,000 $57,000 $241,000 $46,000 $350,000
Not applicable 46 $3,593,000 $78,000 $300,000 $9,000 $115,000
Not Provided 42 $2,596,000 $61,000 $123,000 $51,000 $160,000
Asian 2 $200,000 $100,000 $100,000 $150,000 $300,000
Hispanic 1 $39,000 $39,000 $39,000 $88,000 $88,000
Native Hawaiian or Other Pacific Islander 1 $20,000 $20,000 $20,000 $95,000 $95,000
American Indian or Alaskan Native 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) 391 $24,007,000 $61,000 $1,950,000 $60,000 $1,176,000
FHA-insured (Federal Housing Administration) 111 $9,003,000 $81,000 $172,000 $43,000 $162,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 49 $5,255,000 $107,000 $300,000 $35,000 $70,000
VA-guaranteed (Veterans Administration) 31 $3,620,000 $116,000 $241,000 $47,000 $170,000

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 252 $17,632,000 $69,000 $1,950,000 $63,000 $1,176,000
Application Denied By Financial Institution 142 $8,568,000 $60,000 $395,000 $47,000 $312,000
Loan Purchased By The Institution 86 $8,183,000 $95,000 $311,000 $39,000 $266,000
Application Approved But Not Accepted 54 $3,355,000 $62,000 $300,000 $54,000 $265,000
Application Withdrawn By Applicant 40 $3,543,000 $88,000 $177,000 $53,000 $168,000
File Closed For Incompleteness 8 $604,000 $75,000 $135,000 $60,000 $105,000
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 45 $2,215,000 $49,000 $185,000 $40,000 $156,000
Debt-To-Income Ratio 20 $1,624,000 $81,000 $395,000 $36,000 $95,000
Collateral 9 $619,000 $68,000 $124,000 $61,000 $140,000
Other 8 $520,000 $65,000 $111,000 $43,000 $100,000
Credit Application Incomplete 5 $627,000 $125,000 $192,000 $66,000 $120,000
Unverifiable Information 1 $100,000 $100,000 $100,000 $300,000 $300,000
Employment History 1 $53,000 $53,000 $53,000 $14,000 $14,000
Insufficient Cash (Downpayment, Closing Cost) 1 $75,000 $75,000 $75,000 $140,000 $140,000
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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