Woodruff County, AR Mortgage Lenders & HMDA Data, 2010
In 2010, lenders reported 133 mortgage applications in Woodruff County, AR totaling $9.1 million, down 2% from 2009. The average application was for $68,000, and applicants reported an average income of $53,000. 35% of applications resulted in an originated loan and 30% were denied. The most active lender was Embrace Home Loans, Inc., with 12 applications, followed by 21st Mortgage and JPMorgan Chase Bank, NA.
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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 | 133 |
| Total Mortgage Loan Application Amount | $9,128,000 |
| Average Mortgage Loan Application Amount | $68,000 |
| Highest Mortgage Loan Application Amount | $244,000 |
| Average Applicant Income | $53,000 |
| Highest Applicant Income | $455,000 |
| 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 | 12 | $ 894,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 10 | $ 392,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,627,684,000,000 | 9 | $ 918,000 |
| First Security Bank PO BOX 938 CONWAY, AR 72033 |
* | $ 3,057,762,000 | 8 | $ 600,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 197,928,000 | 8 | $ 702,000 |
| Regions Bank 1900 5TH AVENUE N - ALBH10903B BIRMINGHAM, AL 35203 |
* | $ 138,006,763,000 | 6 | $ 275,000 |
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,778,000,000 | 5 | $ 580,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 5,122,657,000 | 4 | $ 199,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,465,221,449,000 | 4 | $ 239,000 |
| First National Bank of Eastern Arkansas 101 N WASHINGTON STREET FORREST CITY, AR 72335 |
* | $ 310,130,000 | 4 | $ 125,000 |
| Bancorpsouth Bank P O BOX 789 TUPELO, MS 38802 |
* | $ 13,163,459,000 | 4 | $ 70,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 276,376,130,000 | 4 | $ 255,000 |
| Vanderbilt Mortgage 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 4 | $ 249,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 3 | $ 330,000 |
| First Community Bank 1325 HARRISON STREET BATESVILLE, AR 72501 |
* | $ 627,452,000 | 3 | $ 417,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 3 | $ 382,000 |
| National Bank of Arkansas 4004 MCCAIN BLVD NORTH LITTLE ROCK, AR 72116 |
* | $ 198,948,000 | 3 | $ 232,000 |
| Signature Bank of Arkansas 3878 N CROSSOVER ROAD STE 20 FAYETTEVILLE, AR 72703 |
* | $ 715,018,000 | 2 | $ 10,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 2 | $ 95,000 |
| Admirals Bank Former Domestic 815 RESERVOIR AVE CRANSTON, RI 02910 |
* | $ 234,124,000 | 2 | $ 15,000 |
| Everbank 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 8,059,724,000 | 2 | $ 48,000 |
| Iberiabankfsb 5800 R STREET LITTLE ROCK, AR 72207 |
* | $ 1,528,983,000 | 2 | $ 49,000 |
| Cis Financial Services, Inc. 851 MILITARY STREET N HAMILTON, AL 35570 |
* | $ 14,200,000 | 2 | $ 223,000 |
| Premier Bank of Arkansas 205 BLOCK STREET JONESBORO, AR 72364 |
* | $ 97,863,000 | 2 | $ 32,000 |
| Ntfn, Inc. 700 STATE HIGHWAY 121, SUITE 100 PLANO, TX 75067 |
* | $ 10,000,000 | 1 | $ 100,000 |
| Freedom Mortgage Corp. 10500 KINCAID DR. STE. 300 FISHERS, IN 46037 |
* | $ 10,000,000 | 1 | $ 96,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 63,000 |
| Fidelity Bank 100 E ENGLISH WICHITA, KS 67202 |
* | $ 1,726,828,000 | 1 | $ 38,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 37,922,355,000 | 1 | $ 96,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,483,100,000 | 1 | $ 55,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 96,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 1 | $ 81,000 |
| Cornerstone Mortgage Center, I 300 SOUTH SHACKLEFORD RD LITTLE ROCK, AR 72211 |
* | $ 10,000,000 | 1 | $ 62,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ 3,125,000 | 1 | $ 22,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 55,302,902,000 | 1 | $ 81,000 |
| Home Savings of America 35 E BROADWAY LITTLE FALLS, MN 56345 |
* | $ 477,531,000 | 1 | $ 99,000 |
| First Service Bank PO BOX 190 GREENBRIER, AR 72058 |
* | $ 216,806,000 | 1 | $ 55,000 |
| Iberiabank Mortgage Company 12719 CANTRELL ROAD LITTLE ROCK, AR 72223 |
* | $ 499,416,000 | 1 | $ 81,000 |
| Bank of Arkansas, NA PO BOX 2300 TULSA, OK 74102 |
* | $ 228,022,000 | 1 | $ 5,000 |
| Midfirst Bank 501 NW GRAND BLVD. OKLAHOMA CITY, OK 73118 |
* | $ 12,817,999,000 | 1 | $ 8,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 16,157,711,000 | 1 | $ 52,000 |
| Metlife Bank, N.A. 334 MADISON AVENUE CONVENT STATION, NJ 07961 |
* | $ 14,106,965,000 | 1 | $ 162,000 |
| One Bank & Trust, National Association 300 W CAPITOL AVE LITTLE ROCK, AR 72201 |
* | $ 412,681,000 | 1 | $ 149,000 |
| Evolve Bank & Trust 6000 POPLAR AVENUE SUITE 300 MEMPHIS, TN 38119 |
* | $ 123,758,000 | 1 | $ 21,000 |
| The Farmers & Merchants Bank 708 S MAIN ST STUTTGART, AR 72160 |
* | $ 572,533,000 | 1 | $ 3,000 |
| Iberiabank 200 W CONGRESS STREET LAFAYETTE, LA 70501 |
* | $ 8,114,947,000 | 1 | $ 35,000 |
The tables below break down 2010 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 2010
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 | 67 | $4,728,000 | $70,000 | $212,000 | $46,000 | $200,000 |
| Refinancing | 55 | $4,310,000 | $78,000 | $244,000 | $65,000 | $455,000 |
| Home Improvement | 11 | $90,000 | $8,000 | $25,000 | $38,000 | $125,000 |
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 | 89 | $6,093,000 | $68,000 | $185,000 | $61,000 | $455,000 |
| Black or African American | 25 | $1,458,000 | $58,000 | $162,000 | $40,000 | $89,000 |
| Not Provided | 9 | $706,000 | $78,000 | $244,000 | $63,000 | $188,000 |
| Not applicable | 8 | $448,000 | $56,000 | $98,000 | $0 | $0 |
| Asian | 2 | $423,000 | $211,000 | $212,000 | $36,000 | $36,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 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) | 64 | $3,590,000 | $56,000 | $153,000 | $61,000 | $455,000 |
| FHA-insured (Federal Housing Administration) | 45 | $3,680,000 | $81,000 | $244,000 | $51,000 | $200,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 16 | $1,257,000 | $78,000 | $163,000 | $45,000 | $69,000 |
| VA-guaranteed (Veterans Administration) | 8 | $601,000 | $75,000 | $99,000 | $24,000 | $58,000 |
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 | 46 | $2,879,000 | $62,000 | $212,000 | $56,000 | $196,000 |
| Application Denied By Financial Institution | 40 | $2,635,000 | $65,000 | $185,000 | $49,000 | $180,000 |
| Loan Purchased By The Institution | 19 | $1,489,000 | $78,000 | $211,000 | $39,000 | $196,000 |
| Application Withdrawn By Applicant | 17 | $1,463,000 | $86,000 | $244,000 | $62,000 | $200,000 |
| Application Approved But Not Accepted | 8 | $451,000 | $56,000 | $152,000 | $87,000 | $455,000 |
| File Closed For Incompleteness | 3 | $211,000 | $70,000 | $100,000 | $20,000 | $53,000 |
| 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 | 15 | $846,000 | $56,000 | $128,000 | $45,000 | $120,000 |
| Debt-To-Income Ratio | 3 | $204,000 | $68,000 | $145,000 | $50,000 | $68,000 |
| Credit Application Incomplete | 2 | $269,000 | $134,000 | $163,000 | $80,000 | $92,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $73,000 | $36,000 | $38,000 | $40,000 | $49,000 |
| Other | 1 | $62,000 | $62,000 | $62,000 | $49,000 | $49,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 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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