Woodruff County, AR Mortgage Lenders & HMDA Data, 2009
In 2009, lenders reported 136 mortgage applications in Woodruff County, AR totaling $10.4 million, down 20% from 2008. The average application was for $76,000, and applicants reported an average income of $45,000. 37% of applications resulted in an originated loan and 26% were denied. The most active lender was Embrace Home Loans, Inc., with 15 applications, followed by JPMorgan Chase Bank, NA and Bank of America, N.A..
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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 | 136 |
| Total Mortgage Loan Application Amount | $10,372,000 |
| Average Mortgage Loan Application Amount | $76,000 |
| Highest Mortgage Loan Application Amount | $426,000 |
| Average Applicant Income | $45,000 |
| Highest Applicant Income | $319,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 15 | $ 1,443,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,746,242,000,000 | 14 | $ 1,182,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,471,631,047,000 | 9 | $ 827,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,227,040,000,000 | 7 | $ 350,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 261,775,591,000 | 6 | $ 735,000 |
| First Community Bank 1325 HARRISON STREET BATESVILLE, AR 72501 |
* | $ 543,002,000 | 6 | $ 707,000 |
| Cross County Bank P. O. BOX 9 WYNNE, AR 72396 |
* | $ 175,467,000 | 5 | $ 42,000 |
| First Security Bank PO BOX 938 CONWAY, AR 72033 |
* | $ 2,420,553,000 | 5 | $ 361,000 |
| Bancorpsouth Bank P O BOX 789 TUPELO, MS 38802 |
* | $ 13,488,870,000 | 4 | $ 95,000 |
| First National Bank of Eastern Arkansas 101 N WASHINGTON STREET FORREST CITY, AR 72335 |
* | $ 272,247,000 | 4 | $ 254,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 4 | $ 200,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 538,958,000,000 | 3 | $ 194,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 3 | $ 176,000 |
| Regions Bank 1900 5TH AVENUE N - ALBH10903B BIRMINGHAM, AL 35203 |
* | $ 142,084,005,000 | 3 | $ 212,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 175,104,000 | 3 | $ 369,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 185,098,787,000 | 3 | $ 310,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 117,978,966,000 | 3 | $ 292,000 |
| The Mortgage Outlet, Inc. 1800 SANDY PLAINS PKWY. SUITE 304 MARIETTA, GA 30066 |
* | $ 10,000,000 | 2 | $ 113,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 2 | $ 254,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 2 | $ 123,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 32,882,574,000 | 2 | $ 133,000 |
| Centennial Bank PO BOX 966 ARKANSAS, AR 72033 |
* | $ 1,020,857,000 | 2 | $ 101,000 |
| Premier Bank of Arkansas 205 BLOCK STREET JONESBORO, AR 72364 |
* | $ 101,879,000 | 2 | $ 71,000 |
| Liberty Bank of Arkansas 2901 EAST HIGHLAND DRIVE JONESBORO, AR 72401 |
* | $ 2,615,639,000 | 2 | $ 36,000 |
| The First National Bank of Wynne P.O. BOX 129, 528 E MERRIMAN AVE WYNNE, AR 72396 |
* | $ 267,521,000 | 2 | $ 44,000 |
| National Bank of Arkansas 4004 MCCAIN BLVD NORTH LITTLE ROCK, AR 72116 |
* | $ 203,910,000 | 2 | $ 219,000 |
| Wintrust Mortgage Corporation 660 MIDWEST RD SUITE 100 OAK BROOK TERRACE, IL 60181 |
* | $ 300,000,000 | 2 | $ 99,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 2 | $ 183,000 |
| Shore Mortgage 770 S. ADAMS ROAD #300 BIRMINGHAM, MI 48009 |
* | $ 10,000,000 | 2 | $ 233,000 |
| Nationwide Mortgage Concepts, 40380 DESERT CREEK LANE RANCHO MIRAGE, CA 92270 |
* | $ 10,000,000 | 1 | $ 183,000 |
| Eagle National Bank 8045 WEST CHESTER PIKE UPPER DARBY, PA 19082 |
* | $ 258,044,000 | 1 | $ 154,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 4,858,594,000 | 1 | $ 2,000 |
| Signature Bank of Arkansas 3878 N CROSSOVER ROAD STE 20 FAYETTEVILLE, AR 72703 |
* | $ 650,723,000 | 1 | $ 16,000 |
| Bank of the Ozarks PO BOX 8811 LITTLE ROCK, AR 72231 |
* | $ 3,228,954,000 | 1 | $ 39,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 1 | $ 64,000 |
| Fidelity Bank 100 E ENGLISH WICHITA, KS 67202 |
* | $ 1,853,520,000 | 1 | $ 73,000 |
| Everbank 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 7,047,356,000 | 1 | $ 82,000 |
| Shelter Financial Bank 1817 W. BROADWAY COLUMBIA, MO 65218 |
* | $ 155,344,000 | 1 | $ 30,000 |
| Arvest Mortgage Company 931 W MONROE LOWELL, AR 72745 |
* | $ 10,210,879,000 | 1 | $ 71,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 50,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 1 | $ 67,000 |
| Avelo Mortgage, L.L.C 250 EAST JOHN CARPENTER FREEWAY IRVING, TX 75062 |
* | $ 10,000,000 | 1 | $ 48,000 |
| Everhome Mortgage Company 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 3,027,261,000 | 1 | $ 82,000 |
The tables below break down 2009 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 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 | 77 | $6,381,000 | $82,000 | $417,000 | $48,000 | $319,000 |
| Home Purchase | 46 | $3,708,000 | $80,000 | $426,000 | $36,000 | $87,000 |
| Home Improvement | 13 | $283,000 | $21,000 | $121,000 | $58,000 | $118,000 |
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 | 88 | $6,685,000 | $75,000 | $417,000 | $53,000 | $319,000 |
| Not applicable | 17 | $1,468,000 | $86,000 | $426,000 | $25,000 | $88,000 |
| Not Provided | 15 | $1,149,000 | $76,000 | $150,000 | $34,000 | $78,000 |
| Black or African American | 13 | $941,000 | $72,000 | $183,000 | $31,000 | $135,000 |
| Asian | 2 | $112,000 | $56,000 | $56,000 | $21,000 | $43,000 |
| Hispanic | 1 | $17,000 | $17,000 | $17,000 | $24,000 | $24,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 66 | $4,109,000 | $62,000 | $426,000 | $50,000 | $319,000 |
| FHA-insured (Federal Housing Administration) | 45 | $4,070,000 | $90,000 | $175,000 | $47,000 | $127,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 18 | $1,493,000 | $82,000 | $189,000 | $31,000 | $68,000 |
| VA-guaranteed (Veterans Administration) | 7 | $700,000 | $100,000 | $183,000 | $9,000 | $36,000 |
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 | 50 | $3,583,000 | $71,000 | $426,000 | $48,000 | $319,000 |
| Application Denied By Financial Institution | 36 | $2,744,000 | $76,000 | $417,000 | $55,000 | $240,000 |
| Loan Purchased By The Institution | 23 | $1,771,000 | $77,000 | $183,000 | $35,000 | $90,000 |
| Application Withdrawn By Applicant | 17 | $1,584,000 | $93,000 | $169,000 | $39,000 | $78,000 |
| File Closed For Incompleteness | 7 | $518,000 | $74,000 | $169,000 | $22,000 | $34,000 |
| Application Approved But Not Accepted | 3 | $172,000 | $57,000 | $73,000 | $25,000 | $31,000 |
| 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 | 8 | $192,000 | $24,000 | $67,000 | $51,000 | $116,000 |
| Collateral | 4 | $768,000 | $192,000 | $417,000 | $148,000 | $240,000 |
| Unverifiable Information | 3 | $271,000 | $90,000 | $148,000 | $57,000 | $100,000 |
| Other | 2 | $55,000 | $27,000 | $53,000 | $54,000 | $71,000 |
| Debt-To-Income Ratio | 2 | $164,000 | $82,000 | $82,000 | $0 | $0 |
| Employment History | 1 | $7,000 | $7,000 | $7,000 | $34,000 | $34,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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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