PlainLender

BANK OF 1889

BERRYVILLE, AR

BANK OF 1889 processed 198 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 171 loans with a 1.0% denial rate. Home Purchase was the primary loan purpose. Based in BERRYVILLE, AR. The approval rate of 86.4% reflects originated loans as a share of all applications. Below you will find a breakdown by loan type, loan purpose, denial reasons, and demographic lending patterns as required by the Home Mortgage Disclosure Act.

Portfolio scale. BANK OF 1889 processed 198 HMDA-reported mortgage applications in 2024, originating 171 loans and denying 2 for a denial rate of 1.0% (applicants themselves withdrew 16 files before a decision). The average loan amount was $137,929. The lender reports under LEI 5493000LJB0L73TDJT41 from BERRYVILLE, AR.

Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% — HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. BANK OF 1889's 86.4% origination rate tells you how often an application turned into funded money; the 1.0% denial rate is a separate read on underwriting strictness. Most activity concentrated in Conventional loans (198 applications).

How to read this page. These figures are aggregate HMDA disclosures — they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting — it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.

198
Applications
171
Originated
1.0%
Denial Rate
$137,929
Avg Loan Amount

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 198 171 2 $137,929

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2023 LAR — application-level mortgage data for BANK OF 1889 (LEI: 5493000LJB0L73TDJT41) · 2023 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Home Purchase 95 79 $182,895
Refinancing 55 52 $123,364
Other 27 24 $79,815
Home Improvement 21 16 $47,381

Geographic Coverage — Lending by Race

Derived race categories as reported under HMDA. Source: CFPB.

Race Applications Approval Rate Denial Rate
White 175 85.1% 1.1%
Joint 2 100.0% 0.0%
Asian 1 100.0% 0.0%

Lending by Ethnicity

Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.

Ethnicity Applications Approval Rate Denial Rate
Not Hispanic or Latino 162 87.7% 0.6%
Hispanic or Latino 14 64.3% 7.1%
Joint 2 50.0% 0.0%

Nearby Lenders in AR

Other HMDA-reporting lenders in AR with similar activity. Compare any two side-by-side.

BANK OF ENGLAND

ENGLAND, AR

5,645 apps 3,672 originated 5.4% denied

SIMMONS BANK

PINE BLUFF, AR

5,087 apps 3,161 originated 24.0% denied

Centennial Bank

Conway, AR

4,878 apps 2,631 originated 17.7% denied

BANK OZK

LITTLE ROCK, AR

4,543 apps 1,840 originated 34.5% denied

ARKANSAS FEDERAL CREDIT UNION

LITTLE ROCK, AR

4,140 apps 2,432 originated 22.0% denied
Compare BANK OF 1889 vs BANK OF ENGLAND →

Mortgage Lending Guides

Why Mortgages Get Denied
Common denial reasons and how to improve your chances
Comparing Mortgage Lenders
What to look for when choosing a mortgage lender
Getting the Best Mortgage Rate
Strategies for securing the lowest interest rate
Understanding HMDA Data
How to read and interpret mortgage disclosure data
Denial Rates by Demographics
Demographic patterns in mortgage approval and denial

Explore More Data

Bank Financial Data → Credit Union Data → Financial Advisor Lookup → Home Insurance Costs → Property Tax Data → Rent Price Data →

Frequently Asked Questions

How many mortgage applications did BANK OF 1889 process?
BANK OF 1889 processed 198 mortgage applications in the 2023 HMDA reporting year. Of these, 171 were originated (approved and funded), 16 were withdrawn by the applicant, and 2 were denied.
What is BANK OF 1889's mortgage approval rate?
BANK OF 1889 has an approval (origination) rate of 86.4%, meaning 86.4% of all applications resulted in a funded mortgage. The denial rate is 1.0%.
What is the average loan amount at BANK OF 1889?
The average mortgage loan amount at BANK OF 1889 is $137,929.
What types of mortgage loans does BANK OF 1889 offer?
BANK OF 1889 processes Conventional loans. The most common type is Conventional with 198 applications and an average loan amount of $137,929.
What loan purposes does BANK OF 1889 serve?
BANK OF 1889 serves the following loan purposes: Home Purchase (95 applications), Refinancing (55 applications), Other (27 applications), Home Improvement (21 applications). Home Purchase is the most common purpose.
Where is BANK OF 1889 located?
BANK OF 1889 is headquartered in BERRYVILLE, AR. The lender is identified by LEI 5493000LJB0L73TDJT41 in HMDA data.
How does BANK OF 1889 compare in lending across racial demographics?
BANK OF 1889 reports demographic lending data under HMDA requirements. White applicants have an approval rate of 85.1% and denial rate of 1.1%; Joint applicants have an approval rate of 100.0% and denial rate of 0.0%; Asian applicants have an approval rate of 100.0% and denial rate of 0.0%. This data reflects derived race categories as reported by applicants.

Data Sources

Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.

Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.

Read our methodology — how this data is sourced, computed, and verified.