One Bank & Trust National Ass Mortgage Rates, Fees & Info

LITTLE ROCK, AR

LEI: 549300OJ2KK5G6IR2I52

Tax ID: 71-0294752

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Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Review & Overview

    One Bank & Trust National Ass is a smaller bank specializing in Home Purchase and Refi loans. One Bank & Trust National Ass has a high proportion of conventional loans. Their top markets by origination volume include: Little Rock, Atlanta, Dallas, Searcy, and Houston among others. We have data for 7 markets. (Some data included below & more in-depth data is available with an active subscription.)

    One Bank & Trust National Ass has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. One Bank & Trust National Ass is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

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    Originations

    58

    Origination Dollar Volume (All Markets)

    $14,090,000

    Awards

    ONE BANK & TRUST NATIONAL ASS 30 Year Conventional Loans bronze
    Show all (1) awards

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 52 $12,300,000 $236,538 $2,328 4.85%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 1 $805,000 $805,000 $3,799 5.00%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 1 $395,000 $395,000 $4,361 4.50%
    Searcy, AR (FHA|USDA|VA) 1 $205,000 $205,000 $2,387 4.75%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 1 $145,000 $145,000 $3,694 4.38%
    FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 1 $135,000 $135,000 $2,286 5.38%
    HOT SPRINGS, AR (FHA|USDA|VA) 1 $105,000 $105,000 $0 5.50%
    One Bank & Trust National Ass's top markets include Little Rock, Atlanta, Dallas, Searcy, and Houston among others.

    Their top states include:
  • Arkansas (FHA|USDA|VA)
  • Georgia (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against ONE BANK & TRUST NATIONAL ASS based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    ONE BANK & TRUST, NATIONAL ASS
    Similarity Rank: 189
    TELCOE FEDERAL CREDIT UNION
    Similarity Rank: 448
    ARKANSAS Federal Credit Union
    Similarity Rank: 611
    First Arkansas Bank and Trust
    Similarity Rank: 781
    First Security Bank
    Similarity Rank: 1050
    Farmers Bank & Trust Company
    Similarity Rank: 1053
    First Financial Bank
    Similarity Rank: 1950
    THE CARROLL MORTGAGE GROUP, INC.
    Similarity Rank: 2041
    Bank OZK
    Similarity Rank: 2700
    BancorpSouth
    Similarity Rank: 2928

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 58 $14,090,000 $242,931 $2,450 4.86%

    For 2018, One Bank & Trust National Ass's most frequently originated type of loan was Conventional, with 58 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 34 $8,570,000 $252,059 $2,665 4.94%
    Refi 17 $4,335,000 $255,000 $2,316 4.78%
    Cash Out Refi 6 $1,050,000 $175,000 $2,456 4.56%
    Other 1 $135,000 $135,000 $556 5.24%

    For 2018, One Bank & Trust National Ass's most frequently cited loan purpose was Home Purchase, with 34 originations. The 2nd most popular reason was Refi, with 17 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 38 $10,370,000 $272,895 $2,582 4.68%
    5 Year 6 $1,040,000 $173,333 $0 5.83%
    1 Year 5 $445,000 $89,000 $0 5.25%
    Other 5 $1,345,000 $269,000 $1,434 5.04%
    15 Year 3 $525,000 $175,000 $2,231 4.38%
    20 Year 1 $365,000 $365,000 $2,956 4.25%

    For 2018, One Bank & Trust National Ass's most frequently cited loan duration was 30 Year, with 38 originations. The 2nd most popular length was 5 Year, with 6 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 34 $9,790,000 $287,941
    $1k-2k 2 $640,000 $320,000

    One Bank & Trust National Ass's average total fees were $2,582, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 34 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 35 $10,095,000 $288,429
    5-6% 15 $2,815,000 $187,667
    3-4% 5 $1,035,000 $207,000
    6-7% 3 $145,000 $48,333

    During 2018, One Bank & Trust National Ass's average interest rate for loans was 4.68%, while their most frequently originated rate bucket for loans was 4-5%, with 35 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 20 $5,990,000 $299,500 $2,739 4.53%
    $100k-200k 17 $2,455,000 $144,412 $2,016 4.87%
    $100,000 or less 12 $840,000 $70,000 $946 5.43%
    $400k-600k 7 $3,245,000 $463,571 $3,048 4.73%
    $600k-1MM 2 $1,560,000 $780,000 $3,799 5.00%

    2018 saw One Bank & Trust National Ass place emphasis on $200k-400k loans with 20 originations, totaling $5,990,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 14 $2,990,000 $213,571 $2,310 4.75%
    $250k+ 12 $3,730,000 $310,833 $2,165 4.82%
    $150k-250k 7 $1,895,000 $270,714 $2,705 4.68%
    $50k-75k 7 $1,605,000 $229,286 $2,659 4.54%
    $75k-100k 6 $1,180,000 $196,667 $2,663 4.62%
    $50k or less 1 $125,000 $125,000 $2,082 4.75%

    One Bank & Trust National Ass lent most frequently to those with incomes in the $100k-150k range, with 14 originations. The second most popular income band? $250k+, with 12 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    <20% 13 $3,245,000 $249,615 $2,330 4.80%
    20-30% 11 $2,755,000 $250,455 $2,079 4.41%
    30-36% 6 $1,610,000 $268,333 $2,208 4.83%
    38% 3 $995,000 $331,667 $3,497 4.92%
    44% 3 $735,000 $245,000 $3,273 4.42%
    42% 2 $670,000 $335,000 $3,569 4.50%
    46% 1 $125,000 $125,000 $2,082 4.75%
    49% 1 $135,000 $135,000 $2,286 5.38%
    36% 1 $385,000 $385,000 $2,829 4.25%
    37% 1 $135,000 $135,000 $1,091 5.50%
    39% 1 $185,000 $185,000 $2,466 3.99%
    40% 1 $205,000 $205,000 $2,387 4.75%
    41% 1 $335,000 $335,000 $3,220 4.38%

    One Bank & Trust National Ass lent most frequently to those with DTI ratios of <20%, with 13 originations. The next most common DTI ratio? 20-30%, with 11 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 40 $10,450,000 $261,250 $2,395 4.66%
    Not applicable 6 $2,080,000 $346,667 $3,799 5.25%
    Black 5 $645,000 $129,000 $2,684 5.49%
    Asian 3 $625,000 $208,333 $2,516 4.83%
    Not provided 4 $290,000 $72,500 $0 5.50%

    Approval Rates

    Total approvals of all applications
    95.77%

    One Bank & Trust National Ass has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination
    84.48%

    One Bank & Trust National Ass has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 58 $14,090,000 $242,931

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 1 $755,000 $755,000
    Single Family (1-4 Units):Site-Built 57 $13,335,000 $233,947

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 2 $730,000 $365,000 $3,087 4.31%
    40-60% 5 $1,945,000 $389,000 $3,048 4.48%
    60-80% 25 $5,075,000 $203,000 $2,214 4.84%
    80-100% 25 $6,205,000 $248,200 $2,560 4.97%
    Over 100% 1 $135,000 $135,000 $556 5.24%