Woodruff County, AR Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 137 mortgage applications in Woodruff County, AR totaling $18.7 million, up 7% from 2024. The average application was for $136,000, and applicants reported an average income of $86,000. 33% of applications resulted in an originated loan and 28% were denied. The most active lender was Vanderbilt Mortgage and Finance, Inc, with 14 applications, followed by 21st Mortgage and Premier Mortgage Resources, LLC.
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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 | 137 |
| Total Mortgage Loan Application Amount | $18,715,000 |
| Average Mortgage Loan Application Amount | $136,000 |
| Highest Mortgage Loan Application Amount | $1,685,000 |
| Average Applicant Income | $86,000 |
| Highest Applicant Income | $1,150,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ n/a | 14 | $ 1,240,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 7 | $ 775,000 |
| Premier Mortgage Resources, LLC 3363 E PRESIDENTIAL DR STE 200 MERIDIAN, ID 83646 |
* | $ n/a | 7 | $ 1,575,000 |
| Sofi Bank, National Association FRISCO, TX 75034 |
* | $ n/a | 6 | $ 580,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ n/a | 6 | $ 680,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 5 | $ 775,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 5 | $ 845,000 |
| Arkansas Federal Credit Union 17500 CANTRELL LITTLE ROCK, AR 72223 |
* | $ n/a | 4 | $ 270,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 4 | $ 370,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ n/a | 4 | $ 700,000 |
| First Community Mortgage, Inc. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ n/a | 4 | $ 570,000 |
| First Security Bank PO BOX 938 SEARCY, AR 72143 |
* | $ n/a | 4 | $ 400,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 4 | $ 490,000 |
| First Community Bank 1325 HARRISON STREET BATESVILLE, AR 72501 |
* | $ n/a | 3 | $ 1,935,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 3 | $ 105,000 |
| Southern Bank 531 VINE ST POPLAR BLUFF, MO 63901 |
* | $ n/a | 3 | $ 295,000 |
| First Financial Bank 214 N WASHINGTON STREET EL DORADO, AR 71730 |
* | $ n/a | 3 | $ 315,000 |
| Renasant Bank JOHNS CREEK, GA 30097 |
* | $ n/a | 3 | $ 255,000 |
| The Farmers & Merchants Bank 708 S MAIN ST STUTTGART, AR 72160 |
* | $ n/a | 3 | $ 105,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 3 | $ 145,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ n/a | 2 | $ 180,000 |
| Arvest Bank TULSA, OK 74103 |
* | $ n/a | 2 | $ 530,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 2 | $ 230,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 2 | $ 200,000 |
| Agheritage Farm Credit Services, Flca 119 E 3RD ST LITTLE ROCK, AR 72201 |
* | $ n/a | 2 | $ 520,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ n/a | 2 | $ 230,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 2 | $ 130,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ n/a | 2 | $ 290,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ n/a | 2 | $ 110,000 |
| Cadence Bank P O BOX 789 TUPELO, MS 38804 |
* | $ n/a | 1 | $ 75,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ n/a | 1 | $ 75,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ n/a | 1 | $ 65,000 |
| First Service Bank PO BOX 190 GREENBRIER, AR 72058 |
* | $ n/a | 1 | $ 5,000 |
| Fourleaf Federal Credit Union 899 SOUTH OYSTER BAY ROAD BETHPAGE, NY 11714 |
* | $ n/a | 1 | $ 65,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ n/a | 1 | $ 175,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ n/a | 1 | $ 25,000 |
| Flat Branch Mortgage, Inc. 101 S. FIFTH STREET, STE 200 COLUMBIA, MO 65201 |
* | $ n/a | 1 | $ 115,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ n/a | 1 | $ 55,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 1 | $ 235,000 |
| Simmons Bank 501 MAIN PINE BLUFF, AR 71601 |
* | $ n/a | 1 | $ 885,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 1 | $ 165,000 |
| Castle & Cooke Mortgage, LLC 13751 S WADSWORTH PARK DRIVE, STE 101 DRAPER, UT 84020 |
* | $ n/a | 1 | $ 115,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 1 | $ 155,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 1 | $ 105,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 1 | $ 185,000 |
| Stockton Mortgage Corporation 88 C MICHAEL DAVENPORT BLVD. FRANKFORT, KY 40601 |
* | $ n/a | 1 | $ 355,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ n/a | 1 | $ 125,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 1 | $ 55,000 |
| Mortgage Solutions of Colorado 7450 CAMPUS DRIVE SUITE 200 COLORADO SPRINGS, CO 80920 |
* | $ n/a | 1 | $ 155,000 |
The tables below break down 2025 mortgage applications in Woodruff 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 Woodruff County, AR in 2025
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 | 71 | $10,065,000 | $141,000 | $1,685,000 | $71,000 | $270,000 |
| Cash-out Refinancing | 28 | $3,660,000 | $130,000 | $285,000 | $71,000 | $159,000 |
| Refinancing | 20 | $3,210,000 | $160,000 | $885,000 | $155,000 | $1,150,000 |
| Home Improvement | 9 | $925,000 | $102,000 | $255,000 | $94,000 | $270,000 |
| Other Purpose | 8 | $830,000 | $103,000 | $225,000 | $121,000 | $375,000 |
| Not Applicable | 1 | $25,000 | $25,000 | $25,000 | $0 | $0 |
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 | 104 | $12,730,000 | $122,000 | $885,000 | $90,000 | $1,150,000 |
| Not Provided | 15 | $2,095,000 | $139,000 | $335,000 | $63,000 | $194,000 |
| Not applicable | 9 | $2,735,000 | $303,000 | $1,685,000 | $0 | $0 |
| Black or African American | 7 | $785,000 | $112,000 | $205,000 | $54,000 | $95,000 |
| Hispanic | 1 | $115,000 | $115,000 | $115,000 | $86,000 | $86,000 |
| Asian | 1 | $255,000 | $255,000 | $255,000 | $270,000 | $270,000 |
| American Indian or Alaskan Native | 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) | 95 | $12,815,000 | $134,000 | $1,685,000 | $92,000 | $1,150,000 |
| FHA-insured (Federal Housing Administration) | 18 | $2,130,000 | $118,000 | $335,000 | $56,000 | $102,000 |
| VA-guaranteed (Veterans Administration) | 15 | $2,525,000 | $168,000 | $285,000 | $99,000 | $159,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 9 | $1,245,000 | $138,000 | $235,000 | $65,000 | $97,000 |
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 | 45 | $8,435,000 | $187,000 | $1,685,000 | $125,000 | $1,150,000 |
| Application Denied By Financial Institution | 39 | $4,065,000 | $104,000 | $355,000 | $63,000 | $270,000 |
| Application Withdrawn By Applicant | 22 | $2,900,000 | $131,000 | $265,000 | $74,000 | $181,000 |
| File Closed For Incompleteness | 20 | $1,940,000 | $97,000 | $155,000 | $74,000 | $270,000 |
| Loan Purchased By The Institution | 7 | $1,065,000 | $152,000 | $315,000 | $44,000 | $44,000 |
| Application Approved But Not Accepted | 4 | $310,000 | $77,000 | $95,000 | $53,000 | $63,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 98 | $14,650,000 | $149,000 | $1,685,000 | $97,000 | $1,150,000 |
| Credit History | 12 | $1,510,000 | $125,000 | $255,000 | $97,000 | $270,000 |
| Debt-To-Income Ratio | 9 | $1,045,000 | $116,000 | $355,000 | $31,000 | $104,000 |
| Credit Application Incomplete | 7 | $475,000 | $67,000 | $175,000 | $55,000 | $151,000 |
| Collateral | 5 | $475,000 | $95,000 | $235,000 | $47,000 | $92,000 |
| Unverifiable Information | 3 | $265,000 | $88,000 | $155,000 | $81,000 | $158,000 |
| Other | 2 | $260,000 | $130,000 | $195,000 | $65,000 | $93,000 |
| Employment History | 1 | $35,000 | $35,000 | $35,000 | $11,000 | $11,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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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