Woodruff County, AR Mortgage Lenders & HMDA Data, 2018
In 2018, lenders reported 113 mortgage applications in Woodruff County, AR totaling $9.0 million, down 6% from 2017. The average application was for $79,000, and applicants reported an average income of $58,000. 30% of applications resulted in an originated loan and 44% were denied. The most active lender was 21st Mortgage, with 12 applications, followed by Regions Bank and Vanderbilt Mortgage and Finance, Inc.
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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 | 113 |
| Total Mortgage Loan Application Amount | $8,975,000 |
| Average Mortgage Loan Application Amount | $79,000 |
| Highest Mortgage Loan Application Amount | $285,000 |
| Average Applicant Income | $58,000 |
| Highest Applicant Income | $298,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 12 | $ 790,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 123,325,220,000 | 10 | $ 420,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 8 | $ 570,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,934,629,000 | 7 | $ 495,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 316,352,000 | 6 | $ 530,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 4,724,296,000 | 6 | $ 550,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 6 | $ 350,000 |
| The First National Bank of Wynne P.O. BOX 129, 528 E MERRIMAN AVE WYNNE, AR 72396 |
* | $ 346,647,000 | 5 | $ 165,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 456,025,829,000 | 4 | $ 450,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,747,398,000,000 | 4 | $ 670,000 |
| Signature Bank of Arkansas 3878 N CROSSOVER ROAD STE 20 FAYETTEVILLE, AR 72703 |
* | $ 592,097,000 | 3 | $ 125,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,751,524,000,000 | 3 | $ 115,000 |
| Calcon Mutual Mortgage LLC 3131 CAMINO DEL RIO N SUITE 1680 SAN DIEGO, CA 92108 |
* | $ -1,000 | 3 | $ 205,000 |
| Mortgage Investors Group 501 JAMES ROBERTSON PARKWAY NASHVILLE, TN 37219 |
* | $ -1,000 | 3 | $ 265,000 |
| Cadence Bank P O BOX 789 TUPELO, MS 38804 |
* | $ 15,308,454,000 | 2 | $ 130,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 2 | $ 200,000 |
| Cis Financial Services, Inc. 851 MILITARY STREET N HAMILTON, AL 35570 |
* | $ -1,000 | 2 | $ 70,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 98,729,134,000 | 1 | $ 55,000 |
| First National Bank PO BOX 700 PARAGOULD, AR 72451 |
* | $ 1,319,903,000 | 1 | $ 145,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 1 | $ 65,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ -1,000 | 1 | $ 65,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,140,778,000,000 | 1 | $ 285,000 |
| United Built Homes, LLC 8500 LINE AVE SHREVEPORT, LA 71106 |
* | $ -1,000 | 1 | $ 135,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 1 | $ 45,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 1 | $ 115,000 |
| Flat Branch Mortgage, Inc. 101 S. FIFTH STREET, STE 200 COLUMBIA, MO 65201 |
* | $ -1,000 | 1 | $ 145,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 85,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 1 | $ 35,000 |
| Premier Bank of Arkansas 205 BLOCK STREET JONESBORO, AR 72364 |
* | $ 151,250,000 | 1 | $ 95,000 |
| Gateway Mortgage Group, LLC 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ -1,000 | 1 | $ 55,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 1 | $ 145,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 14,726,156,000 | 1 | $ 15,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ -1,000 | 1 | $ 165,000 |
| Triumph Bank 1780 MORIAH WOODS BLVD., SUITE 4 MEMPHIS, TN 38117 |
* | $ 722,208,000 | 1 | $ 175,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ -1,000 | 1 | $ 55,000 |
| Texas Capital Bank, National Association 2000 MCKINNEY AVE SUITE 700 DALLAS, TX 75201 |
* | $ 25,054,739,000 | 1 | $ 205,000 |
The tables below break down 2018 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 2018
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 | 70 | $5,180,000 | $74,000 | $175,000 | $53,000 | $298,000 |
| Refinancing | 14 | $1,360,000 | $97,000 | $195,000 | $49,000 | $92,000 |
| Cash-out Refinancing | 12 | $1,700,000 | $141,000 | $285,000 | $91,000 | $242,000 |
| Not Applicable | 6 | $360,000 | $60,000 | $155,000 | $0 | $0 |
| Other Purpose | 6 | $220,000 | $36,000 | $75,000 | $64,000 | $122,000 |
| Home Improvement | 5 | $155,000 | $31,000 | $55,000 | $59,000 | $105,000 |
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 | 78 | $6,580,000 | $84,000 | $225,000 | $56,000 | $153,000 |
| Black or African American | 18 | $880,000 | $48,000 | $105,000 | $42,000 | $142,000 |
| Not applicable | 13 | $975,000 | $75,000 | $155,000 | $0 | $0 |
| Not Provided | 4 | $540,000 | $135,000 | $285,000 | $171,000 | $298,000 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 76 | $5,600,000 | $73,000 | $285,000 | $58,000 | $298,000 |
| FHA-insured (Federal Housing Administration) | 24 | $2,150,000 | $89,000 | $205,000 | $64,000 | $141,000 |
| VA-guaranteed (Veterans Administration) | 7 | $755,000 | $107,000 | $155,000 | $63,000 | $84,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $470,000 | $78,000 | $105,000 | $30,000 | $38,000 |
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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 50 | $3,490,000 | $69,000 | $225,000 | $45,000 | $142,000 |
| Loan Originated | 34 | $3,240,000 | $95,000 | $285,000 | $76,000 | $298,000 |
| Loan Purchased By The Institution | 12 | $1,010,000 | $84,000 | $205,000 | $84,000 | $104,000 |
| Application Withdrawn By Applicant | 7 | $445,000 | $63,000 | $135,000 | $41,000 | $95,000 |
| File Closed For Incompleteness | 7 | $475,000 | $67,000 | $125,000 | $63,000 | $153,000 |
| Application Approved But Not Accepted | 3 | $315,000 | $105,000 | $135,000 | $104,000 | $130,000 |
| 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 | 62 | $5,460,000 | $88,000 | $285,000 | $72,000 | $298,000 |
| Credit History | 36 | $2,090,000 | $58,000 | $175,000 | $42,000 | $141,000 |
| Debt-To-Income Ratio | 9 | $945,000 | $105,000 | $225,000 | $50,000 | $142,000 |
| Unverifiable Information | 3 | $275,000 | $91,000 | $145,000 | $46,000 | $79,000 |
| Collateral | 2 | $130,000 | $65,000 | $65,000 | $34,000 | $47,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $75,000 | $75,000 | $75,000 | $85,000 | $85,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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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