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Congressional District 4

REPORT OF PROGRAM ACTIVITY

FISCAL YEAR 2007: July 1, 2006 – June 30, 2007

1^st Half of FY2007 = July 1, 2006 – December 31, 2006

2^nd Half of FY2007 = January 1, 2007 – June 30, 2007

HOMEOWNERSHIP

Home-to-Own (H2O)

General Statistics

Time Period	No. Loans	Dollar Amount	Mean Loan Amount	Median Loan Amount
07/2006 – 12/2006	52	$3,309,654.00	$63,647.19	$62,980.00
01/2007 – 06/2007	57	$4,030,514.00	$70,710.77	$65,000.00
*Total FY2007*	*109*	*$7,340,168.00*	*$67,340.99*	*$63,990.00*

Loan Cancellation Rate – Total FY2007:

13.0%

Loans by Originator / Branch

		7/1/06 - 12/31/06		1/1/07 - 6/30/07		*TOTAL FY 2007*
ORIGINATOR / BRANCH	COUNTY	NO. LOANS	DOLLAR AMOUNT	NO. LOANS	DOLLAR AMOUNT	*NO. LOANS*	*DOLLAR AMOUNT*
1st National Bank, Paris, AR	Logan	8	$435,350.00	5	$330,175.00	13	*$765,525.00*
	Scott	3	$244,880.00	2	$148,700.00	5	*$393,580.00*
	Subtotal	11	$680,230.00	7	$478,875.00	18	*$1,159,105.00*
Arvest Mortgage Company, Lowell, AR	Logan	1	$73,338.00	1	$88,609.00	2	*$161,947.00*
Bank of Little Rock Mortgage, Benton, AR	Jefferson	0	$0.00	1	$95,000.00	1	*$95,000.00*
Bank of Little Rock Mortgage, North Little Rock, AR	Jefferson	0	$0.00	3	$251,750.00	3	*$251,750.00*
Bank of the Ozarks, Little Rock, AR	Clark	1	$94,120.00	0	$0.00	1	*$94,120.00*
	Drew	1	$95,880.00	0	$0.00	1	*$95,880.00*
	Subtotal	2	$190,000.00	0	$0.00	2	*$190,000.00*
Elk Horn Bank Trust, Arkadelphia, AR	Clark	3	$191,000.00	4	$291,200.00	7	*$482,200.00*
Elk Horn Bank Trust, Hot Springs, AR	Garland	0	$0.00	1	$187,500.00	1	*$187,500.00*
First National Bank, Hot Springs, AR	Polk	0	$0.00	1	$122,000.00	1	*$122,000.00*
First Western Mortgage, Inc., Booneville, AR	Logan	0	$0.00	2	$86,150.00	2	*$86,150.00*
First Western Mortgage, Inc., Rogers, AR	Logan	0	$0.00	1	$51,650.00	1	*$51,650.00*
	Scott	0	$0.00	1	$68,000.00	1	*$68,000.00*
	Subtotal	0	$0.00	2	$119,650.00	2	*$119,650.00*
Liberty Bank of Arkansas, Russellville, AR	Scott	0	$0.00	1	$43,350.00	1	*$43,350.00*
Moore Mortgage, Little Rock, AR	Chicot	0	$0.00	1	$59,073.00	1	*$59,073.00*
	Grant	1	$87,624.00	1	$63,993.00	2	*$151,617.00*
	Subtotal	1	$87,624.00	2	$123,066.00	3	*$210,690.00*
Pulaski Mortgage Company, Little Rock, AR	Dallas	1	$54,568.00	0	$0.00	1	*$54,568.00*
Regions Mortgage, Inc., Benton, AR	Garland	0	$0.00	1	$87,500.00	1	*$87,500.00*
Regions Mortgage, Inc., Little Rock, AR	Garland	0	$0.00	1	$76,198.00	1	*$76,198.00*
Regions Mortgage, Inc., Russellville, AR	Logan	1	$49,608.00	0	$0.00	1	*$49,608.00*
Regions Mortgage, Inc., Texarkana, AR	Miller	1	$76,125.00	2	$143,871.00	3	*$219,996.00*
	Sevier	1	$64,292.00	0	$0.00	1	*$64,292.00*
	Subtotal	2	$140,417.00	2	$143,871.00	4	*$284,288.00*
Simmons First National Bank, Pine Bluff, AR	Clark	0	$0.00	1	$63,995.00	1	*$63,995.00*
	Cleveland	0	$0.00	2	$90,656.00	2	*$90,656.00*
	Desha	1	$77,343.00	0	$0.00	1	*$77,343.00*
	Jefferson	27	$1,652,087.00	24	$1,627,795.00	51	*$3,279,882.00*
	Lincoln	1	$53,910.00	0	$0.00	1	*$53,910.00*
	Subtotal	29	$1,783,340.00	27	$1,627,795.00	56	*$3,411,135.00*
US Bank Home Mortgage, North Little Rock, AR	Grant	0	$0.00	1	$53,349.00	1	*$53,349.00*

Loans by New / Existing

		7/1/2006 - 12/31/2006		1/1/2007 - 6/30/2007		*TOTAL FY 2007*
EXISTING OR NEW	COUNTY	NO.	DOLLAR AMOUNT	NO.	DOLLAR AMOUNT	*NO.*	*DOLLAR AMOUNT*
Existing	Ashley	1	$59,529.00	0	$0.00	1	*$59,529.00*
	Chicot	0	$0.00	1	$59,073.00	1	*$59,073.00*
	Clark	3	$191,000.00	0	$0.00	3	*$191,000.00*
	Cleveland	0	$0.00	2	$90,656.00	2	*$90,656.00*
	Dallas	1	$54,568.00	0	$0.00	1	*$54,568.00*
	Desha	1	$77,343.00	0	$0.00	1	*$77,343.00*
	Drew	1	$95,880.00	0	$0.00	1	*$95,880.00*
	Garland	0	$0.00	2	$263,698.00	2	*$263,698.00*
	Grant	1	$87,624.00	2	$117,342.00	3	*$204,966.00*
	Jefferson	26	$1,588,092.00	0	$0.00	26	*$1,588,092.00*
	Lincoln	1	$53,910.00	0	$0.00	1	*$53,910.00*
	Logan	10	$558,296.00	9	$556,584.00	19	*$1,114,880.00*
	Miller	0	$0.00	1	$64,600.00	1	*$64,600.00*
	Polk	0	$0.00	0	$0.00	0	*$0.00*
	Scott	3	$244,880.00	4	$260,050.00	7	*$504,930.00*
	Sevier	1	$64,292.00	0	$0.00	1	*$64,292.00*
	Subtotal	49	$3,075,414.00	21	$1,412,003.00	70	*$4,487,417.00*
New	Ashley	0	$0.00	0	$0.00	0	*$0.00*
	Chicot	0	$0.00	0	$0.00	0	*$0.00*
	Clark	1	$94,120.00	5	$355,195.00	6	*$449,315.00*
	Cleveland	0	$0.00	0	$0.00	0	*$0.00*
	Dallas	0	$0.00	0	$0.00	0	*$0.00*
	Desha	0	$0.00	0	$0.00	0	*$0.00*
	Drew	0	$0.00	0	$0.00	0	*$0.00*
	Garland	0	$0.00	1	$87,500.00	1	*$87,500.00*
	Grant	0	$0.00	0	$0.00	0	*$0.00*
	Jefferson	1	$63,995.00	28	$1,974,545.00	29	*$2,038,540.00*
	Lincoln	0	$0.00	0	$0.00	0	*$0.00*
	Logan	0	$0.00	0	$0.00	0	*$0.00*
	Miller	1	$76,125.00	1	$79,271.00	2	*$155,396.00*
	Polk	0	$0.00	1	$122,000.00	1	*$122,000.00*
	Scott	0	$0.00	0	$0.00	0	*$0.00*
	Sevier	0	$0.00	0	$0.00	0	*$0.00*
	Subtotal	3	$234,240.00	36	$2,618,511.00	39	*$2,852,751.00*

Loans by Loan Type

		7/1/2006 - 12/31/2006		1/1/2007 - 6/30/2007		*TOTAL FY 2007*
EXISTING OR NEW	COUNTY	NO.	DOLLAR AMOUNT	NO.	DOLLAR AMOUNT	*NO.*	*DOLLAR AMOUNT*
Conventional	Ashley	0	$0.00	0	$0.00	0	*$0.00*
	Chicot	0	$0.00	0	$0.00	0	*$0.00*
	Clark	0	$0.00	4	$291,200.00	4	*$291,200.00*
	Cleveland	0	$0.00	1	$36,100.00	1	*$36,100.00*
	Dallas	0	$0.00	0	$0.00	0	*$0.00*
	Desha	0	$0.00	0	$0.00	0	*$0.00*
	Drew	0	$0.00	0	$0.00	0	*$0.00*
	Garland	0	$0.00	2	$275,000.00	2	*$275,000.00*
	Grant	0	$0.00	0	$0.00	0	*$0.00*
	Jefferson	0	$0.00	5	$411,750.00	5	*$411,750.00*
	Lincoln	1	$53,910.00	0	$0.00	1	*$53,910.00*
	Logan	0	$0.00	1	$24,225.00	1	*$24,225.00*
	Miller	0	$0.00	1	$64,600.00	1	*$64,600.00*
	Polk	0	$0.00	1	$122,000.00	1	*$122,000.00*
	Scott	1	$85,500.00	0	$0.00	1	*$85,500.00*
	Sevier	0	$0.00	0	$0.00	0	*$0.00*
	Subtotal	2	$139,410.00	15	$1,224,875.00	17	*$1,364,285.00*
FHA	Ashley	1	$59,529.00	0	$0.00	1	*$59,529.00*
	Chicot	0	$0.00	1	$59,073.00	1	*$59,073.00*
	Clark	3	$191,000.00	1	$63,995.00	4	*$254,995.00*
	Cleveland	0	$0.00	1	$54,556.00	1	*$54,556.00*
	Dallas	1	$54,568.00	0	$0.00	1	*$54,568.00*
	Desha	1	$77,343.00	0	$0.00	1	*$77,343.00*
	Drew	0	$0.00	0	$0.00	0	*$0.00*
	Garland	0	$0.00	1	$76,198.00	1	*$76,198.00*
	Grant	1	$87,624.00	2	$117,342.00	3	*$204,966.00*
	Jefferson	24	$1,415,905.00	21	$1,373,763.00	45	*$2,789,668.00*
	Lincoln	0	$0.00	0	$0.00	0	*$0.00*
	Logan	3	$125,233.00	6	$341,959.00	9	*$467,192.00*
	Miller	1	$76,125.00	1	$79,271.00	2	*$155,396.00*
	Polk	0	$0.00	0	$0.00	0	*$0.00*
	Scott	1	$77,880.00	1	$68,000.00	2	*$145,880.00*
	Sevier	1	$64,292.00	0	$0.00	1	*$64,292.00*
	Subtotal	37	$2,229,499.00	35	$2,234,157.00	72	*$4,463,656.00*
Rural Dev.	Ashley	0	$0.00	0	$0.00	0	*$0.00*
	Chicot	0	$0.00	0	$0.00	0	*$0.00*
	Clark	1	$94,120.00	0	$0.00	1	*$94,120.00*
	Cleveland	0	$0.00	0	$0.00	0	*$0.00*
	Dallas	0	$0.00	0	$0.00	0	*$0.00*
	Desha	0	$0.00	0	$0.00	0	*$0.00*
	Drew	1	$95,880.00	0	$0.00	1	*$95,880.00*
	Garland	0	$0.00	0	$0.00	0	*$0.00*
	Grant	0	$0.00	0	$0.00	0	*$0.00*
	Jefferson	0	$0.00	0	$0.00	0	*$0.00*
	Lincoln	0	$0.00	0	$0.00	0	*$0.00*
	Logan	7	$433,063.00	2	$190,400.00	9	*$623,463.00*
	Miller	0	$0.00	0	$0.00	0	*$0.00*
	Polk	0	$0.00	0	$0.00	0	*$0.00*
	Scott	1	$81,500.00	3	$192,050.00	4	*$273,550.00*
	Sevier	0	$0.00	0	$0.00	0	*$0.00*
	Subtotal	10	$704,563.00	5	$382,450.00	15	*$1,087,013.00*
VA	Ashley	0	$0.00	0	$0.00	0	*$0.00*
	Chicot	0	$0.00	0	$0.00	0	*$0.00*
	Clark	0	$0.00	0	$0.00	0	*$0.00*
	Cleveland	0	$0.00	0	$0.00	0	*$0.00*
	Dallas	0	$0.00	0	$0.00	0	*$0.00*
	Desha	0	$0.00	0	$0.00	0	*$0.00*
	Drew	0	$0.00	0	$0.00	0	*$0.00*
	Garland	0	$0.00	0	$0.00	0	*$0.00*
	Grant	0	$0.00	0	$0.00	0	*$0.00*
	Jefferson	3	$236,182.00	2	$189,032.00	5	*$425,214.00*
	Lincoln	0	$0.00	0	$0.00	0	*$0.00*
	Logan	0	$0.00	0	$0.00	0	*$0.00*
	Miller	0	$0.00	0	$0.00	0	*$0.00*
	Polk	0	$0.00	0	$0.00	0	*$0.00*
	Scott	0	$0.00	0	$0.00	0	*$0.00*
	Sevier	0	$0.00	0	$0.00	0	*$0.00*
	Subtotal	3	$236,182.00	2	$189,032.00	5	*$425,214.00*

Borrowers’ Profile

		7/1/2006 - 12/31/2006		1/1/2007 - 6/30/2007		*TOTAL FY2007*
ETHNICITY	COUNTY	NO. LOANS	DOLLAR AMOUNT	NO. LOANS	DOLLAR AMOUNT	*NO. LOANS*	*DOLLAR AMOUNT*
Minority	Ashley	1	$59,529.00	0	$0.00	1	*$59,529.00*
	Chicot	0	$0.00	0	$0.00	0	*$0.00*
	Clark	1	$45,000.00	1	$80,000.00	2	*$125,000.00*
	Cleveland	0	$0.00	0	$0.00	0	*$0.00*
	Dallas	0	$0.00	0	$0.00	0	*$0.00*
	Desha	0	$0.00	0	$0.00	0	*$0.00*
	Drew	0	$0.00	0	$0.00	0	*$0.00*
	Garland	0	$0.00	0	$0.00	0	*$0.00*
	Grant	0	$0.00	0	$0.00	0	*$0.00*
	Jefferson	15	$833,484.00	18	$1,198,889.00	33	*$2,032,373.00*
	Lincoln	0	$0.00	0	$0.00	0	*$0.00*
	Logan	0	$0.00	0	$0.00	0	*$0.00*
	Miller	1	$76,125.00	1	$79,271.00	2	*$155,396.00*
	Polk	0	$0.00	0	$0.00	0	*$0.00*
	Scott	1	$85,000.00	0	$0.00	1	*$85,000.00*
	Sevier	0	$0.00	0	$0.00	0	*$0.00*
	Subtotal	19	$1,099,138.00	20	$1,358,160.00	39	*$2,457,298.00*
Non-Minority	Ashley	0	$0.00	0	$0.00	0	*$0.00*
	Chicot	0	$0.00	1	$59,073.00	1	*$59,073.00*
	Clark	3	$240,120.00	4	$275,195.00	7	*$515,315.00*
	Cleveland	0	$0.00	2	$90,656.00	2	*$90,656.00*
	Dallas	1	$54,568.00	0	$0.00	1	*$54,568.00*
	Desha	1	$77,343.00	0	$0.00	1	*$77,343.00*
	Drew	1	$95,880.00	0	$0.00	1	*$95,880.00*
	Garland	0	$0.00	3	$351,918.00	3	*$351,918.00*
	Grant	1	$87,624.00	2	$117,342.00	3	*$204,966.00*
	Jefferson	12	$818,603.00	10	$775,656.00	22	*$1,594,259.00*
	Lincoln	1	$53,910.00	0	$0.00	1	*$53,910.00*
	Logan	10	$558,296.00	9	$556,584.00	19	*$1,114,880.00*
	Miller	0	$0.00	1	$64,600.00	1	*$64,600.00*
	Polk	0	$0.00	1	$122,000.00	1	*$122,000.00*
	Scott	2	$159,880.00	4	$260,050.00	6	*$419,930.00*
	Sevier	1	$64,292.00	0	$0.00	1	*$64,292.00*
	Subtotal	33	$2,210,516.00	37	$2,672,354.00	70	*$4,882,870.00*

		7/1/2006-12/31/2006		1/1/2007 - 6/30/2007		*TOTAL FY2007*
ETHNICITY	COUNTY	MEAN INCOME	MEDIAN INCOME	MEAN INCOME	MEDIAN INCOME	*MEAN INCOME*	*MEDIAN INCOME*
Minority	Ashley	$33,407.16	$33,407.16	$0.00	$0.00	*$33,407.16*	*$33,407.16*
	Chicot	$0.00	$0.00	$0.00	$0.00	*$0.00*	*$0.00*
	Clark	$16,785.00	$16,785.00	$38,995.96	$38,995.96	*$27,890.48*	*$27,890.48*
	Cleveland	$0.00	$0.00	$0.00	$0.00	*$0.00*	*$0.00*
	Dallas	$0.00	$0.00	$0.00	$0.00	*$0.00*	*$0.00*
	Desha	$0.00	$0.00	$0.00	$0.00	*$0.00*	*$0.00*
	Drew	$0.00	$0.00	$0.00	$0.00	*$0.00*	*$0.00*
	Garland	$0.00	$0.00	$0.00	$0.00	*$0.00*	*$0.00*
	Grant	$0.00	$0.00	$0.00	$0.00	*$0.00*	*$0.00*
	Jefferson	$38,560.47	$36,002.04	$37,888.47	$39,678.78	*$38,224.47*	*$37,840.41*
	Lincoln	$0.00	$0.00	$0.00	$0.00	*$0.00*	*$0.00*
	Logan	$0.00	$0.00	$0.00	$0.00	*$0.00*	*$0.00*
	Miller	$27,466.44	$27,466.44	$27,717.60	$27,717.60	*$27,592.02*	*$27,592.02*
	Polk	$0.00	$0.00	$0.00	$0.00	*$0.00*	*$0.00*
	Scott	$39,851.76	$39,851.76	$0.00	$0.00	*$39,851.76*	*$39,851.76*
	Sevier	$0.00	$0.00	$0.00	$0.00	*$0.00*	*$0.00*
	Average	$31,214.17	$30,702.48	$34,867.34	$35,464.11	*$33,393.18*	*$33,316.37*
Non-Minority	Ashley	$0.00	$0.00	$0.00	$0.00	*$0.00*	*$0.00*
	Chicot	$0.00	$0.00	$44,481.72	$44,481.72	*$44,481.72*	*$44,481.72*
	Clark	$38,906.76	$36,300.00	$33,115.53	$36,212.64	*$36,011.15*	*$36,256.32*
	Cleveland	$0.00	$0.00	$33,231.30	$33,231.30	*$33,231.30*	*$33,231.30*
	Dallas	$30,058.80	$30,058.80	$0.00	$0.00	*$30,058.80*	*$30,058.80*
	Desha	$44,867.52	$44,867.52	$0.00	$0.00	*$44,867.52*	*$44,867.52*
	Drew	$32,316.00	$32,316.00	$0.00	$0.00	*$32,316.00*	*$32,316.00*
	Garland	$0.00	$0.00	$29,609.16	$27,348.00	*$29,609.16*	*$27,348.00*
	Grant	$43,140.00	$43,140.00	$20,547.24	$20,547.24	*$31,843.62*	*$31,843.62*
	Jefferson	$33,068.88	$29,914.32	$35,282.39	$34,683.96	*$34,175.64*	*$32,299.14*
	Lincoln	$37,718.52	$37,718.52	$0.00	$0.00	*$37,718.52*	*$37,718.52*
	Logan	$31,767.47	$34,758.00	$32,159.13	$32,496.00	*$31,963.30*	*$33,627.00*
	Miller	$0.00	$0.00	$32,954.52	$32,954.52	*$32,954.52*	*$32,954.52*
	Polk	$0.00	$0.00	$40,402.80	$40,402.80	*$40,402.80*	*$40,402.80*
	Scott	$39,104.10	$39,104.10	$44,170.52	$46,404.00	*$41,637.31*	*$42,754.05*
	Sevier	$34,411.20	$34,411.20	$0.00	$0.00	*$34,411.20*	*$34,411.20*
	Average	$36,535.93	$36,258.85	$34,595.43	$34,876.22	*$35,712.17*	*$35,638.03*

		7/2006 - 12/2006		1/2007 - 6/2007		*FY2007 TOTAL*
Gender of Head of Household	County	No Loans	Pct	No Loans	Pct	*No Loans*	*Pct*
Female	Ashley	0	0.0%	0	0.0%	0	*0.0%*
	Chicot	0	0.0%	0	0.0%	0	*0.0%*
	Clark	2	3.8%	2	3.5%	4	*3.7%*
	Cleveland	0	0.0%	1	1.8%	1	*0.9%*
	Dallas	0	0.0%	0	0.0%	0	*0.0%*
	Desha	0	0.0%	0	0.0%	0	*0.0%*
	Drew	0	0.0%	0	0.0%	0	*0.0%*
	Garland	0	0.0%	1	1.8%	1	*0.9%*
	Grant	0	0.0%	0	0.0%	0	*0.0%*
	Jefferson	15	28.8%	15	26.3%	30	*27.5%*
	Lincoln	0	0.0%	0	0.0%	0	*0.0%*
	Logan	6	11.5%	4	7.0%	10	*9.2%*
	Miller	1	1.9%	2	3.5%	3	*2.8%*
	Polk	0	0.0%	0	0.0%	0	*0.0%*
	Scott	1	1.9%	1	1.8%	2	*1.8%*
	Sevier	0	0.0%	0	0.0%	0	*0.0%*
	Subtotal	25	48.1%	26	45.6%	51	*46.8%*
Male	Chicot	0	0.0%	1	1.8%	1	*0.9%*
	Clark	2	3.8%	2	3.5%	4	*3.7%*
	Cleveland	0	0.0%	1	1.8%	1	*0.9%*
	Dallas	1	1.9%	0	0.0%	1	*0.9%*
	Desha	1	1.9%	0	0.0%	1	*0.9%*
	Drew	1	1.9%	0	0.0%	1	*0.9%*
	Garland	0	0.0%	2	3.5%	2	*1.8%*
	Grant	0	0.0%	0	0.0%	0	*0.0%*
	Jefferson	12	23.1%	13	22.8%	25	*22.9%*
	Lincoln	1	1.9%	0	0.0%	1	*0.9%*
	Logan	4	7.7%	5	8.8%	9	*8.3%*
	Miller	0	0.0%	0	0.0%	0	*0.0%*
	Polk	0	0.0%	1	1.8%	1	*0.9%*
	Scott	2	3.8%	3	5.3%	5	*4.6%*
	Sevier	1	1.9%	0	0.0%	1	*0.9%*
	Subtotal	25	48.1%	28	49.1%	53	*48.6%*
Unknown	Clark	1	1.9%	1	1.8%	2	*1.8%*
	Grant	1	1.9%	2	3.5%	3	*2.8%*
	Subtotal	2	3.8%	3	5.3%	5	*4.6%*

County	7/2006 - 12/2006 Average Age	1/2007 - 6/2007 Average Age	*FY2007 TOTAL Average Age*
Ashley	44.0	0.0	*44.0*
Chicot	0.0	34.0	*34.0*
Clark	35.5	23.8	*29.7*
Cleveland	0.0	23.0	*23.0*
Dallas	25.0	0.0	*25.0*
Desha	23.0	0.0	*23.0*
Drew	25.0	0.0	*25.0*
Garland	0.0	30.7	*30.7*
Grant	36.0	32.0	*34.0*
Jefferson	39.0	34.9	*37.0*
Lincoln	70.0	0.0	*70.0*
Logan	35.9	23.0	*29.5*
Miller	29.0	29.5	*29.3*
Polk	27.4	28.8	*28.1*
Scott	41.0	32.7	*36.9*
Sevier	34.0	0.0	*34.0*
*CD 4 Average Age*	*35.8*	*29.2*	*33.3*

County	7/2006 - 12/2006 Average House Size	1/2007 - 6/2007 Average House Size	*FY2007 Average House Size*
Ashley	4.0	0.0	*4.0*
Chicot	0.0	2.0	*2.0*
Clark	2.0	1.4	*1.7*
Cleveland	0.0	2.5	*2.5*
Dallas	1.0	0.0	*1.0*
Desha	2.0	0.0	*2.0*
Drew	1.0	0.0	*1.0*
Garland	0.0	2.7	*2.7*
Grant	2.0	3.5	*2.8*
Jefferson	2.3	2.3	*2.3*
Lincoln	2.0	0.0	*2.0*
Logan	2.5	2.1	*2.3*
Miller	2.0	2.5	*2.3*
Polk	0.0	4.0	*4.0*
Scott	3.0	3.7	*3.4*
Sevier	5.0	0.0	*5.0*
*CD 4 Average House Size*	*2.4*	*2.7*	*2.6*

Down Payment Assistance Program (DPA)

General Statistics

Time Period	No. Loans	Dollar Amount	Mean Loan Amount	% of H2O Loans
07/2006 – 12/2006	29	$96,107.00	$3,314.03	53.8%
01/2007 – 06/2007	30	$115,597.00	$3,853.23	54.5%
*Total FY2007*	59	*$211,704.00*	*$3,588.20*	*54.2%*

Loan Cancellation - Total FY2007:

13.4%

Loans by Homebuyer Counselor

		7/1/06 - 12/31/06		1/1/07 - 6/30/07		*TOTAL FY 2007*
HOMEBUYER COUNSELOR	COUNTY	NO. LOANS	DOLLAR AMOUNT	NO. LOANS	DOLLAR AMOUNT	*NO. LOANS*	*DOLLAR AMOUNT*
Chicot Housing Assistance Corporation	Chicot	0	$0.00	1	$5,570.00	1	*$5,570.00*
Crawford Sebastian CDC	Logan	1	$3,000.00	2	$11,400.00	3	*$14,400.00*
	Polk	0	$0.00	1	$4,800.00	1	*$4,800.00*
	Scott	1	$5,485.00	1	$2,064.00	2	*$7,549.00*
	Subtotal	2	$8,485.00	4	$18,264.00	6	*$26,749.00*
Dream Makers Housing Counseling Agency, Inc.	Ashley	1	$4,600.00	0	$0.00	1	*$4,600.00*
	Cleveland	0	$0.00	2	$9,300.00	2	*$9,300.00*
	Dallas	1	$5,400.00	0	$0.00	1	*$5,400.00*
	Jefferson	22	$66,185.00	18	$69,117.00	40	*$135,302.00*
	Lincoln	1	$2,995.00	0	$0.00	1	*$2,995.00*
	Subtotal	25	$79,180.00	20	$78,417.00	45	*$157,597.00*
In Affordable Housing, Inc.	Grant	1	$3,667.00	0	$0.00	1	*$3,667.00*
	Jefferson	0	$0.00	1	$1,400.00	1	*$1,400.00*
	Subtotal	1	$3,667.00	1	$1,400.00	2	*$5,067.00*
South Arkansas Community Development	Garland	0	$0.00	1	$6,000.00	1	*$6,000.00*
	Miller	1	$4,775.00	0	$0.00	1	*$4,775.00*
	Subtotal	1	$4,775.00	1	$6,000.00	2	*$10,775.00*
Southern Good Faith Fund	Jefferson	0	$0.00	1	$3,390.00	1	*$3,390.00*
Unknown	Logan	0	$0.00	2	$2,556.00	2	*$2,556.00*

Loans by New / Existing

		7/1/2006 - 12/31/2006		1/1/2007 - 6/30/2007		*TOTAL FY 2007*
EXISTING OR NEW	COUNTY	NO.	DOLLAR AMOUNT	NO.	DOLLAR AMOUNT	*NO.*	*DOLLAR AMOUNT*
Existing	Ashley	1	$4,600.00	0	$0.00	1	*$4,600.00*
	Chicot	0	$0.00	1	$5,570.00	1	*$5,570.00*
	Cleveland	0	$0.00	2	$9,300.00	2	*$9,300.00*
	Dallas	1	$5,400.00	0	$0.00	1	*$5,400.00*
	Garland	0	$0.00	1	$6,000.00	1	*$6,000.00*
	Grant	1	$3,667.00	0	$0.00	1	*$3,667.00*
	Jefferson	21	$63,300.00	20	$73,907.00	41	*$137,207.00*
	Lincoln	1	$2,995.00	0	$0.00	1	*$2,995.00*
	Logan	1	$3,000.00	4	$13,956.00	5	*$16,956.00*
	Miller	1	$4,775.00	0	$0.00	1	*$4,775.00*
	Polk	0	$0.00	0	$0.00	0	*$0.00*
	Scott	1	$5,485.00	1	$2,064.00	2	*$7,549.00*
	Subtotal	28	$93,222.00	29	$110,797.00	57	*$204,019.00*
New	Ashley	0	$0.00	0	$0.00	0	*$0.00*
	Chicot	0	$0.00	0	$0.00	0	*$0.00*
	Cleveland	0	$0.00	0	$0.00	0	*$0.00*
	Dallas	0	$0.00	0	$0.00	0	*$0.00*
	Garland	0	$0.00	0	$0.00	0	*$0.00*
	Grant	0	$0.00	0	$0.00	0	*$0.00*
	Jefferson	1	$2,885.00	0	$0.00	1	*$2,885.00*
	Lincoln	0	$0.00	0	$0.00	0	*$0.00*
	Logan	0	$0.00	0	$0.00	0	*$0.00*
	Miller	0	$0.00	0	$0.00	0	*$0.00*
	Polk	0	$0.00	1	$4,800.00	1	*$4,800.00*
	Scott	0	$0.00	0	$0.00	0	*$0.00*
	Subtotal	1	$2,885.00	1	$4,800.00	2	*$7,685.00*

Borrowers’ Profile

		7/1/2006 - 12/31/2006		1/1/2007 - 6/30/2007		*TOTAL FY2007*
ETHNICITY	COUNTY	NO. LOANS	DOLLAR AMOUNT	NO. LOANS	DOLLAR AMOUNT	*NO. LOANS*	*DOLLAR AMOUNT*
Minority	Ashley	1	$4,600.00	0	$0.00	1	*$4,600.00*
	Chicot	0	$0.00	0	$0.00	0	*$0.00*
	Cleveland	0	$0.00	0	$0.00	0	*$0.00*
	Dallas	0	$0.00	0	$0.00	0	*$0.00*
	Garland	0	$0.00	0	$0.00	0	*$0.00*
	Grant	0	$0.00	0	$0.00	0	*$0.00*
	Jefferson	12	$31,175.00	14	$47,305.00	26	*$78,480.00*
	Lincoln	0	$0.00	0	$0.00	0	*$0.00*
	Logan	0	$0.00	0	$0.00	0	*$0.00*
	Miller	1	$4,775.00	0	$0.00	1	*$4,775.00*
	Polk	0	$0.00	0	$0.00	0	*$0.00*
	Scott	0	$0.00	0	$0.00	0	*$0.00*
	Total	14	$40,550.00	14	$47,305.00	28	*$87,855.00*
Non-Minority	Ashley	0	$0.00	0	$0.00	0	*$0.00*
	Chicot	0	$0.00	1	$5,570.00	1	*$5,570.00*
	Cleveland	0	$0.00	2	$9,300.00	2	*$9,300.00*
	Dallas	1	$5,400.00	0	$0.00	1	*$5,400.00*
	Garland	0	$0.00	1	$6,000.00	1	*$6,000.00*
	Grant	1	$3,667.00	0	$0.00	1	*$3,667.00*
	Jefferson	10	$35,010.00	6	$26,602.00	16	*$61,612.00*
	Lincoln	1	$2,995.00	0	$0.00	1	*$2,995.00*
	Logan	1	$3,000.00	4	$13,956.00	5	*$16,956.00*
	Miller	0	$0.00	0	$0.00	0	*$0.00*
	Polk	0	$0.00	1	$4,800.00	1	*$4,800.00*
	Scott	1	$5,485.00	1	$2,064.00	2	*$7,549.00*
	Subtotal	15	$55,557.00	16	$68,292.00	31	*$123,849.00*

		7/1/2006 - 12/31/2006		1/1/2007 - 6/30/2007		*TOTAL FY2007*
ETHNICITY	COUNTY	MEAN INCOME	MEDIAN INCOME	MEAN INCOME	MEDIAN INCOME	*MEAN INCOME*	*MEDIAN INCOME*
Minority	Ashley	$33,407.16	$33,407.16	$0.00	$0.00	*$33,407.16*	*$33,407.16*
	Chicot	$0.00	$0.00	$0.00	$0.00	*$0.00*	*$0.00*
	Cleveland	$0.00	$0.00	$0.00	$0.00	*$0.00*	*$0.00*
	Dallas	$0.00	$0.00	$0.00	$0.00	*$0.00*	*$0.00*
	Garland	$0.00	$0.00	$0.00	$0.00	*$0.00*	*$0.00*
	Grant	$0.00	$0.00	$0.00	$0.00	*$0.00*	*$0.00*
	Jefferson	$41,918.83	$50,609.28	$40,857.50	$40,866.00	*$41,388.17*	*$45,737.64*
	Lincoln	$0.00	$0.00	$0.00	$0.00	*$0.00*	*$0.00*
	Logan	$0.00	$0.00	$0.00	$0.00	*$0.00*	*$0.00*
	Miller	$20,999.04	$20,999.04	$0.00	$0.00	*$20,999.04*	*$20,999.04*
	Polk	$0.00	$0.00	$0.00	$0.00	*$0.00*	*$0.00*
	Scott	$0.00	$0.00	$0.00	$0.00	*$0.00*	*$0.00*
	Average	$31,208.34	$35,005.16	$40,875.50	$40,866.00	*$31,931.46*	*$33,381.28*
Non-Minority	Ashley	$0.00	$0.00	$0.00	$0.00	*$0.00*	*$0.00*
	Chicot	$0.00	$0.00	$44,481.72	$44,481.72	*$44,481.72*	*$44,481.72*
	Cleveland	$0.00	$0.00	$33,231.30	$33,231.30	*$33,231.30*	*$33,231.30*
	Dallas	$30,058.80	$30,058.80	$0.00	$0.00	*$30,058.80*	*$30,058.80*
	Garland	$0.00	$0.00	$39,162.60	$39,162.60	*$39,162.60*	*$39,162.60*
	Grant	$43,140.00	$43,140.00	$0.00	$0.00	*$43,140.00*	*$43,140.00*
	Jefferson	$34,176.28	$27,674.70	$36,808.85	$34,350.44	*$35,492.57*	*$31,012.57*
	Lincoln	$37,718.52	$37,718.52	$0.00	$0.00	*$37,718.52*	*$37,718.52*
	Logan	$37,464.00	$37,464.00	$33,497.34	$33,497.34	*$35,480.67*	*$35,480.67*
	Polk	$0.00	$0.00	$40,402.80	$40,402.80	*$40,402.80*	*$40,402.80*
	Scott	$54,472.20	$54,472.20	$46,404.00	$46,404.00	*$50,438.10*	*$50,438.10*
	Average	$39,504.97	$38,421.37	$39,141.23	$38,790.03	*$38,960.71*	*$38,512.71*

		7/2006 - 12/2006		1/2007 - 6/2007		*FY2007 TOTAL*
Gender	County	No Loans	Pct	No Loans	Pct	*No Loans*	*Pct*
Female	Ashley	0	0.0%	0	0.0%	0	*0.0%*
	Chicot	0	0.0%	0	0.0%	0	*0.0%*
	Cleveland	0	0.0%	1	3.3%	1	*1.7%*
	Dallas	0	0.0%	0	0.0%	0	*0.0%*
	Garland	0	0.0%	0	0.0%	0	*0.0%*
	Grant	1	3.6%	0	0.0%	1	*1.7%*
	Jefferson	11	39.3%	12	40.0%	23	*39.7%*
	Lincoln	0	0.0%	0	0.0%	0	*0.0%*
	Logan	1	3.6%	2	6.7%	3	*5.2%*
	Miller	1	3.6%	0	0.0%	1	*1.7%*
	Polk	0	0.0%	0	0.0%	0	*0.0%*
	Scott	0	0.0%	0	0.0%	0	*0.0%*
	Subtotal	14	46.4%	15	50.0%	29	*48.3%*
Male	Ashley	1	3.6%	0	0.0%	1	*1.7%*
	Chicot	0	0.0%	1	3.3%	1	*1.7%*
	Cleveland	0	0.0%	1	3.3%	1	*1.7%*
	Dallas	1	3.6%	0	0.0%	1	*1.7%*
	Garland	0	0.0%	1	3.3%	1	*1.7%*
	Grant	0	0.0%	0	0.0%	0	*0.0%*
	Jefferson	11	39.3%	8	26.7%	19	*32.8%*
	Lincoln	1	3.6%	0	0.0%	1	*1.7%*
	Logan	0	0.0%	2	6.7%	2	*3.4%*
	Polk	0	0.0%	1	3.3%	1	*1.7%*
	Scott	1	3.6%	1	3.3%	2	*3.4%*
	Subtotal	15	53.6%	15	50.0%	30	*51.7%*

Average Age of Head of Household

	7/2006 - 12/2006	1/2007 - 6/2007	*TOTAL FY 2007*
County	Average Age	Average Age	*Average Age*
Ashley	44.0	0.0	*44.0*
Chicot	0.0	34.0	*34.0*
Cleveland	0.0	23.0	*23.0*
Dallas	25.0	0.0	*25.0*
Garland	0.0	36.0	*36.0*
Grant	36.0	0.0	*36.0*
Jefferson	36.5	33.4	*35.0*
Lincoln	70.0	0.0	*70.0*
Logan	59.0	25.3	*42.2*
Polk	0.0	36.0	*36.0*
Scott	49.0	33.0	*41.0*
*Average Age Head of Household CD4*	*45.6*	*31.5*	*38.4*

Average Household Size

	7/2006 - 12/2006	1/2007 - 6/2007	*TOTAL FY 2007*
County	Average House Size	Average House Size	*Average House Size*
Ashley	4.0	0.0	*4.0*
Chicot	0.0	2.0	*2.0*
Cleveland	0.0	2.5	*2.5*
Dallas	1.0	0.0	*1.0*
Garland	0.0	5.0	*5.0*
Grant	2.0	0.0	*2.0*
Jefferson	2.3	2.4	*2.4*
Lincoln	2.0	0.0	*2.0*
Logan	2.0	1.5	*1.8*
Polk	0.0	4.0	*4.0*
Scott	3.0	4.0	*3.5*
*Average House Size CD 4*	*2.3*	*3.1*	*2.7*

American Dream Downpayment Initiative (ADDI) Program

General Statistics

Time Period	No. Loans	Dollar Amount	Mean Loan Amount	% of H2O Loans
07/2006 – 12/2006	2	$9,785.00	$4,892.50	5.8%
01/2007 – 06/2007	6	$35,010.00	$5,835.00	10.9%
*Total FY2007*	8	*$44,795.00*	*$5,599.38*	*8.4%*

Loan Cancellation Rate - Total FY2007:

43.8%

Loans by Homebuyer Counselor

		7/1/06 - 12/31/06		1/1/07 - 6/30/07		*TOTAL FY 2007*
HOMEBUYER COUNSELOR	COUNTY	NO. LOANS	DOLLAR AMOUNT	NO. LOANS	DOLLAR AMOUNT	*NO. LOANS*	*DOLLAR AMOUNT*
Crawford Sebastian CDC	Logan	1	$4,900.00	0	$0.00	1	*$4,900.00*
Dream Makers Housing Counseling Agency, Inc.	Jefferson	1	$4,885.00	5	$25,010.00	6	*$29,895.00*
In Affordable Housing, Inc.	Grant	0	$0.00	1	$10,000.00	1	*$10,000.00*

Loans by New / Existing

		7/1/2006 - 12/31/2006		1/1/2007 - 6/30/2007		*TOTAL FY 2007*
EXISTING OR NEW	COUNTY	NO.	DOLLAR AMOUNT	NO.	DOLLAR AMOUNT	*NO.*	*DOLLAR AMOUNT*
Existing	Grant	0	$0.00	1	$10,000.00	1	*$10,000.00*
	Jefferson	1	$4,885.00	5	$25,010.00	6	*$29,895.00*
	Logan	0	$0.00	0	$0.00	0	*$0.00*
	Subtotal	1	$4,885.00	6	$35,010.00	7	*$39,895.00*
New	Grant	0	$0.00	0	$0.00	0	*$0.00*
	Jefferson	0	$0.00	0	$0.00	0	*$0.00*
	Logan	1	$4,900.00	0	$0.00	1	*$4,900.00*
	Subtotal	1	$4,900.00	0	$0.00	1	*$4,900.00*

Borrowers’ Profile

		7/1/2006 - 12/31/2006		1/1/2007 - 6/30/2007		*TOTAL FY2007*
ETHNICITY	COUNTY	NO. LOANS	DOLLAR AMOUNT	NO. LOANS	DOLLAR AMOUNT	*NO. LOANS*	*DOLLAR AMOUNT*
Minority	Grant	0	$0.00	0	$0.00	0	*$0.00*
	Jefferson	1	$4,885.00	4	$19,710.00	5	*$24,595.00*
	Logan	0	$0.00	0	$0.00	0	*$0.00*
	Subtotal	1	$4,885.00	4	$19,710.00	5	*$24,595.00*
Non-Minority	Grant	0	$0.00	1	$10,000.00	1	*$10,000.00*
	Jefferson	0	$0.00	1	$5,300.00	1	*$5,300.00*
	Logan	1	$4,900.00	0	$0.00	1	*$4,900.00*
	Subtotal	1	$4,900.00	2	$15,300.00	3	*$20,200.00*

		7/1/2006 - 12/31/2006		1/1/2007 - 6/30/2007		*TOTAL FY2007*
ETHNICITY	COUNTY	MEAN INCOME	MEDIAN INCOME	MEAN INCOME	MEDIAN INCOME	*MEAN INCOME*	*MEDIAN INCOME*
Minority	Grant	$0.00	$0.00	$0.00	$0.00	*$0.00*	*$0.00*
	Jefferson	$7,476.00	$7,476.00	$19,411.38	$19,666.56	*$13,443.69*	*$13,443.69*
	Logan	$0.00	$0.00	$0.00	$0.00	*$0.00*	*$0.00*
	Average	$7,476.00	$4,476.00	$19,411.38	$19,666.56	*$13,443.69*	*$13,443.69*
Non-Minority	Grant	$0.00	$0.00	$26,382.48	$26,382.48	*$26,382.48*	*$26,382.48*
	Jefferson	$0.00	$0.00	$19,656.00	$19,656.00	*$19,656.00*	*$19,656.00*
	Logan	$21,027.84	$21,027.84	$0.00	$0.00	*$21,027.84*	*$21,027.84*
	Average	$21,027.84	$21,027.84	$23,019.24	$23,019.24	*$22,355.44*	*$22,355.44*

Gender of Head of Household

		7/2006 - 12/2006		1/2007 - 6/2007		*FY2007 TOTAL*
Gender	County	No Loans	Pct	No Loans	Pct	*No Loans*	*Pct*
Female	Grant	0	0.0%	1	16.7%	1	*11.1%*
	Jefferson	1	33.3%	3	50.0%	4	*44.4%*
	Logan	1	33.3%	0	0.0%	1	*11.1%*
	Subtotal	2	100.0%	4	66.7%	6	*77.8%*
Male	Grant	0	0.0%	0	0.0%	0	*0.0%*
	Jefferson	0	0.0%	2	33.3%	2	*22.2%*
	Logan	0	0.0%	0	0.0%	0	*0.0%*
	Subtotal	0	0.0%	2	33.3%	2	*22.2%*

Average Age of Head of Household

	7/2006 - 12/2006	1/2007 - 6/2007	*TOTAL FY 2007*
County	Average Age	Average Age	*Average Age*
Grant	0.0	36.0	*36.0*
Jefferson	71.0	48.0	*59.5*
Logan	43.0	0.0	*43.0*
Miller	25.0	0.0	*25.0*
*Average Age CD 4*	*34.8*	*42.0*	*40.9*

Average House Size

	7/2006 - 12/2006	1/2007 - 6/2007	*TOTAL FY 2007*
County	Average House Size	Average House Size	*Average House Size*
Grant	0.0	5.0	*5.0*
Jefferson	1.0	2.4	*1.7*
Logan	1.0	0.0	*1.0*
Miller	1.0	0.0	*1.0*
*Average House Size CD 4*	*1.0*	*3.7*	*2.2*

TOTAL HOMEOWNERSHIP:
07/2006 – 12/2006	01/2007 – 06/2007	*Total FY2007*
$3,415,546.00	$4,181,121.00	*$7,596,667.00*

Homeownership – Congressional District 4

FACTS & INFERENCES

Simmons First National Bank in Pine Bluff originated the most loans for Congressional District 4 in FY2007; representing 51.4% of the total loans originated.
The county with the most originations was Jefferson with 50.5% of Congressional District 3’s total loans originated in FY2007.
Congressional District 4 counties not originating loans in FY2007: Bradley, Calhoun, Columbia, Hempstead, Hot Spring, Howard, Lafayette, Little River, Montgomery, Nevada, Ouachita, Pike and Union.
Graph – Funding by Type -

Percentage of Minority to Non-Minority to Unknown = 35.8% to 64.2% to 0.0%
Graph Loan Amount and Average Income by Ethnicity -

Non-minority mortgagors tend to have higher mortgage payments and income than the minority mortgagors in Congressional District 4.

Down Payment Programs (DPA & ADDI)

Combining DPA and ADDI programs, 61.5% of the H2O loans originated had downpayment assistance loans. The DPA loans in Congressional District 4 accounted for 88.1% of the downpayment loans and ADDI loans were originated for 11.9% of the total downpayment loans.
Dream Makes Housing Counseling Agency, Inc. originated 76.1% of the downpayment loans in Congressional District 4 and 68.7% were located in Jefferson County.
A large majority (95.5%) of the downpayment loans was for existing property and 4.5% were for new construction loans.
Breakdown of downpayment assistance loans by ethnicity:

DPA		ADDI		Combined
Minority	Non-Minority	Minority	Non-Minority	Minority	Non-Minority
47.5%	52.5%	62.5%	37.5%	49.3	50.7%

Graph – Average Loan Amount & Average Income by Ethnicity -

Graph – Gender as Primary Mortgagor -

This chart shows that males are more likely to be the primary mortgagor for the H2O and DPA loans. For the ADDI loans, the primary mortgagor is more likely to be female.

HOUSING PRODUCTION (HP)

Program Partners:

Boykin Enterprises, Little Rock, AR
Davis Nursing Association, Pine Bluff, AR
Garth Development, North Little Rock, AR
City of McGehee
Drew County Public Facilities Board
City of Murfreesboro
Creekwood Place Apartments
Eudora Terrace LP
PDC Thirty-One LP
Pine Meadows Apartments LLC
Camden / Ouachita County
Bradley County Industrial Development
Ouachita Seniors & Retirees, Inc., Mena, AR
RichSmith Development LLC, North Little Rock, AR
Seaside Development Corporation, Monticello, AR
Sunbelt Housing Development, Little Rock, AR
William F. Puryear, Dumas, AR
City of Wilmar
Southeast Arkansas Economic Development District
Centennial Apartments of Dumas
Peaks at Hope LP
Ouachita Senior Community Development LP
Vineyards at El Dorado LP

HOME Allocations / Board Approvals by Type

		7/2006 - 12/2006		1/2007 - 6/2007		*FY2007 TOTAL*
Type	County	No. Units	Dollar Amount	No. Units	Dollar Amount	*No. Units*	*Dollar Amount*
Acquisition Rehab	Bradley	0	$0.00	10	$400,000.00	10	$400,000.00
	Chicot	0	$0.00	8	$300,100.00	8	$300,100.00
	Desha	0	$0.00	0	$0.00	0	$0.00
	Hempstead	0	$0.00	0	$0.00	0	$0.00
	Jefferson	0	$0.00	0	$0.00	0	$0.00
	Logan	0	$0.00	10	$334,000.00	10	$334,000.00
	Miller	0	$0.00	0	$0.00	0	$0.00
	Ouachita	0	$0.00	10	$400,000.00	10	$400,000.00
	Polk	0	$0.00	0	$0.00	0	$0.00
	Union	0	$0.00	0	$0.00	0	$0.00
	Subtotal	0	$0.00	38	$1,434,100.00	38	$1,434,100.00
Homeowner New Construction	Bradley	0	$0.00	0	$0.00	0	$0.00
	Chicot	0	$0.00	0	$0.00	0	$0.00
	Desha	0	$0.00	0	$0.00	0	$0.00
	Hempstead	0	$0.00	0	$0.00	0	$0.00
	Jefferson	0	$0.00	0	$0.00	0	$0.00
	Logan	0	$0.00	0	$0.00	0	$0.00
	Miller	0	$0.00	0	$0.00	0	$0.00
	Ouachita	0	$0.00	5	$467,500.00	5	$467,500.00
	Polk	0	$0.00	0	$0.00	0	$0.00
	Union	0	$0.00	0	$0.00	0	$0.00
	Subtotal	0	$0.00	5	$467,500.00	5	$467,500.00
Homeowner Rehab or Mortgage Subsidy	Bradley	0	$0.00	5	$341,340.00	5	$341,340.00
	Chicot	0	$0.00	0	$0.00	0	$0.00
	Desha	6	$250,594.50	0	$0.00	6	$250,594.50
	Drew	5	$399,845.00	6	$361,062.00	11	$760,907.00
	Hempstead	0	$0.00	0	$0.00	0	$0.00
	Jefferson	0	$0.00	5	$202,221.00	5	$202,221.00
	Logan	0	$0.00	0	$0.00	0	$0.00
	Miller	0	$0.00	0	$0.00	0	$0.00
	Ouachita	0	$0.00	0	$0.00	0	$0.00
	Polk	0	$0.00	0	$0.00	0	$0.00
	Union	0	$0.00	0	$0.00	0	$0.00
	Subtotal	11	$650,439.50	16	$904,623.00	27	$1,555,062.50
Rental New Construction	Bradley	0	$0.00	0	$0.00	0	$0.00
	Chicot	0	$0.00	0	$0.00	0	$0.00
	Desha	0	$0.00	10	$400,000.00	10	$400,000.00
	Hempstead	0	$0.00	10	$400,000.00	10	$400,000.00
	Jefferson	0	$0.00	8	$301,000.00	8	$301,000.00
	Logan	0	$0.00	0	$0.00	0	$0.00
	Miller	0	$0.00	10	$400,000.00	10	$400,000.00
	Ouachita	0	$0.00	0	$0.00	0	$0.00
	Polk	0	$0.00	0	$0.00	0	$0.00
	Union	0	$0.00	10	$400,000.00	10	$400,000.00
	Subtotal	0	$0.00	48	$1,901,000.00	48	$1,901,000.00
Rental Rehab	Bradley	0	$0.00	0	$0.00	0	$0.00
	Chicot	0	$0.00	0	$0.00	0	$0.00
	Desha	0	$0.00	0	$0.00	0	$0.00
	Hempstead	0	$0.00	0	$0.00	0	$0.00
	Jefferson	0	$0.00	0	$0.00	0	$0.00
	Logan	0	$0.00	0	$0.00	0	$0.00
	Miller	0	$0.00	0	$0.00	0	$0.00
	Ouachita	0	$0.00	0	$0.00	0	$0.00
	Polk	0	$0.00	10	$400,000.00	10	$400,000.00
	Union	0	$0.00	0	$0.00	0	$0.00
	Subtotal	0	$0.00	10	$400,000.00	10	$400,000.00
Tenant Based Rental Assistance	Bradley	0	$0.00	0	$0.00	0	$0.00
	Chicot	0	$0.00	0	$0.00	0	$0.00
	Desha	0	$0.00	0	$0.00	0	$0.00
	Drew	0	$0.00	10	$41,748.00	10	$41,748.00
	Hempstead	0	$0.00	0	$0.00	0	$0.00
	Jefferson	0	$0.00	0	$0.00	0	$0.00
	Logan	0	$0.00	0	$0.00	0	$0.00
	Miller	0	$0.00	0	$0.00	0	$0.00
	Ouachita	0	$0.00	0	$0.00	0	$0.00
	Pike	24	$81,504.00	0	$0.00	24	$81,504.00
	Polk	0	$0.00	0	$0.00	0	$0.00
	Union	0	$0.00	0	$0.00	0	$0.00
	Subtotal	24	$81,504.00	10	$41,748.00	34	$123,252.00
*FY2007 Total CD4*		35	*$731,943.50*	*127*	*$5,148,881.00*	*162*	*$5,880,824.50*

Low Income Housing Tax Credits / Board Approvals (only one round per fiscal year)

County	No. Units	Federal Fund Dollar Amount	State Funds Dollar Amount	*Total Dollar Amount*
Bradley	40	$99,103.00	$19,821.00	*$118,924.00*
Chicot	32	$147,000.00	$0.00	*$147,000.00*
Desha	23	$138,614.00	$0.00	*$138,614.00*
Garland	39	$400,000.00	$0.00	*$400,000.00*
Hempstead	38	$400,000.00	$0.00	*$400,000.00*
Jefferson	40	$376,888.00	$0.00	*$376,888.00*
Logan	32	$135,624.00	$27,125.00	*$162,749.00*
Miller	38	$400,000.00	$0.00	*$400,000.00*
Ouachita	50	$122,384.00	$0.00	*$122,384.00*
Polk	30	$400,000.00	$0.00	*$400,000.00*
Union	38	$400,000.00	$0.00	*$400,000.00*
*FY2007 TOTAL CD 4*	*400*	*$3,019,613.00*	*$46,946.00*	*$3,066,559.00*

Multifamily Housing Bonds

No Multifamily Housing Bond Program Activity FY2007

TOTAL HOUSING PRODUCTION:
07/2006 – 12/2006	01/2007 – 06/2007	*Total FY2007*
$731,943.50	$8,215,440.00	*$8,947,383.50*

Housing Production – Congressional District 4

FACTS & INFERENCES

No Housing Production funding in following Congressional District 4 counties for FY2007: Ashley, Calhoun, Clark, Cleveland, Columbia, Dallas, Drew, Grant, Hot Spring, Howard, Lafayette, Lincoln, Little River, Montgomery, Nevada, Pike, Scott and Sevier
Graph – Remaining Counties by Average Fund per Unit -

DEVELOPMENT FINANCE

		7/2006 - 12/2006		1/2007 - 6/2007		*FY2007 TOTAL*
Type	County	No. Projects	Dollar Amount	No. Projects	Dollar Amount	*No. Projects*	*Dollar Amount*	*Average Per Unit*
Bond Guaranty	Ashley	0	$0.00	1	$3,540,000.00	1	*$3,540,000.00*	*$3,540,000.00*
	Bradley	1	$1,100,000.00	1	$3,540,000.00	2	*$4,640,000.00*	*$2,320,000.00*
	Chicot	1	$279,192.74	0	$0.00	1	*$279,192.74*	*$279,192.74*
	Clark	0	$0.00	0	$0.00	0	*$0.00*	*$0.00*
	Columbia	0	$0.00	0	$0.00	0	*$0.00*	*$0.00*
	Drew	1	$750,000.00	0	$0.00	1	*$750,000.00*	*$750,000.00*
	Garland	0	$0.00	0	$0.00	0	*$0.00*	*$0.00*
	Hempstead	0	$0.00	0	$0.00	0	*$0.00*	*$0.00*
	Hot Spring	0	$0.00	0	$0.00	0	*$0.00*	*$0.00*
	Jefferson	0	$0.00	0	$0.00	0	*$0.00*	*$0.00*
	Lafayette	0	$0.00	0	$0.00	0	*$0.00*	*$0.00*
	Little River	0	$0.00	0	$0.00	0	*$0.00*	*$0.00*
	Polk	0	$0.00	0	$0.00	0	*$0.00*	*$0.00*
	Sevier	0	$0.00	0	$0.00	0	*$0.00*	*$0.00*
	Union	0	$0.00	0	$0.00	0	*$0.00*	*$0.00*
	Subtotal	3	$2,129,192.74	2	$7,080,000.00	5	*$9,209,192.74*	*$1,841,838.55*
	Ashley	0	$0.00	0	$0.00	0	*$0.00*	*$0.00*
	Bradley	0	$0.00	0	$0.00	0	*$0.00*	*$0.00*
	Chicot	0	$0.00	0	$0.00	0	*$0.00*	*$0.00*
	Clark	0	$0.00	1	$2,932,980.00	1	*$2,932,980.00*	*$2,932,980.00*
	Columbia	0	$0.00	2	$3,162,980.00	2	*$3,162,980.00*	*$1,581,490.00*
	Drew	0	$0.00	1	$3,200,000.00	1	*$3,200,000.00*	*$3,200,000.00*
	Garland	0	$0.00	2	$3,300,000.00	2	*$3,300,000.00*	*$1,650,000.00*
	Hempstead	0	$0.00	1	$2,200,000.00	1	*$2,200,000.00*	*$2,200,000.00*
	Hot Spring	0	$0.00	1	$1,600,000.00	1	*$1,600,000.00*	*$1,600,000.00*
	Jefferson	0	$0.00	2	$6,750,000.00	2	*$6,750,000.00*	*$3,375,000.00*
	Lafayette	0	$0.00	0	$0.00	0	*$0.00*	*$0.00*
	Little River	0	$0.00	0	$0.00	0	*$0.00*	*$0.00*
	Polk	0	$0.00	1	$1,250,000.00	1	*$1,250,000.00*	*$1,250,000.00*
	Sevier	0	$0.00	1	$1,100,000.00	1	*$1,100,000.00*	*$1,100,000.00*
	Union	0	$0.00	1	$1,500,000.00	1	*$1,500,000.00*	*$1,500,000.00*
	Subtotal	0	$0.00	13	$26,995,960.00	13	*$26,995,960.00*	*$2,076,612.31*
Other	Ashley	0	$0.00	0	$0.00	0	*$0.00*	*$0.00*
	Bradley	0	$0.00	0	$0.00	0	*$0.00*	*$0.00*
	Chicot	0	$0.00	0	$0.00	0	*$0.00*	*$0.00*
	Clark	0	$0.00	0	$0.00	0	*$0.00*	*$0.00*
	Columbia	0	$0.00	0	$0.00	0	*$0.00*	*$0.00*
	Drew	1	$10,002.00	0	$0.00	1	*$10,002.00*	*$10,002.00*
	Garland	0	$0.00	0	$0.00	0	*$0.00*	*$0.00*
	Hempstead	0	$0.00	0	$0.00	0	*$0.00*	*$0.00*
	Hot Spring	0	$0.00	0	$0.00	0	*$0.00*	*$0.00*
	Jefferson	0	$0.00	0	$0.00	0	*$0.00*	*$0.00*
	Lafayette	1	$390.00	0	$0.00	1	*$390.00*	*$390.00*
	Little River	0	$0.00	0	$0.00	0	*$0.00*	*$0.00*
	Polk	0	$0.00	0	$0.00	0	*$0.00*	*$0.00*
	Sevier	0	$0.00	0	$0.00	0	*$0.00*	*$0.00*
	Union	1	$750,000.00	0	$0.00	1	*$750,000.00*	*$750,000.00*
	Subtotal	3	$760,392.00	0	$0.00	3	*$760,392.00*	*$253,464.00*
Safe Drinking Water Revolving Loan Fund	Ashley	0	$0.00	0	$0.00	0	*$0.00*	*$0.00*
	Bradley	0	$0.00	0	$0.00	0	*$0.00*	*$0.00*
	Chicot	0	$0.00	0	$0.00	0	*$0.00*	*$0.00*
	Clark	0	$0.00	0	$0.00	0	*$0.00*	*$0.00*
	Columbia	0	$0.00	0	$0.00	0	*$0.00*	*$0.00*
	Drew	0	$0.00	0	$0.00	0	*$0.00*	*$0.00*
	Garland	0	$0.00	0	$0.00	0	*$0.00*	*$0.00*
	Hempstead	0	$0.00	0	$0.00	0	*$0.00*	*$0.00*
	Hot Spring	0	$0.00	0	$0.00	0	*$0.00*	*$0.00*
	Jefferson	0	$0.00	0	$0.00	0	*$0.00*	*$0.00*
	Lafayette	0	$0.00	0	$0.00	0	*$0.00*	*$0.00*
	Little River	0	$0.00	2	$5,750,000.00	2	*$5,750,000.00*	*$2,875,000.00*
	Polk	0	$0.00	0	$0.00	0	*$0.00*	*$0.00*
	Sevier	0	$0.00	0	$0.00	0	*$0.00*	*$0.00*
	Union	1	$750,000.00	0	$0.00	1	*$750,000.00*	*$750,000.00*
	Subtotal	1	$750,000.00	2	$5,750,000.00	3	*$6,500,000.00*	*$2,166,666.67*
State Facilities Financing	Ashley	0	$0.00	0	$0.00	0	*$0.00*	*$0.00*
	Bradley	0	$0.00	0	$0.00	0	*$0.00*	*$0.00*
	Chicot	0	$0.00	0	$0.00	0	*$0.00*	*$0.00*
	Clark	0	$0.00	0	$0.00	0	*$0.00*	*$0.00*
	Columbia	0	$0.00	0	$0.00	0	*$0.00*	*$0.00*
	Drew	0	$0.00	0	$0.00	0	*$0.00*	*$0.00*
	Garland	0	$0.00	0	$0.00	0	*$0.00*	*$0.00*
	Hempstead	0	$0.00	0	$0.00	0	*$0.00*	*$0.00*
	Hot Spring	0	$0.00	0	$0.00	0	*$0.00*	*$0.00*
	Jefferson	0	$0.00	0	$0.00	0	*$0.00*	*$0.00*
	Lafayette	0	$0.00	0	$0.00	0	*$0.00*	*$0.00*
	Little River	0	$0.00	0	$0.00	0	*$0.00*	*$0.00*
	Polk	0	$0.00	0	$0.00	0	*$0.00*	*$0.00*
	Sevier	0	$0.00	0	$0.00	0	*$0.00*	*$0.00*
	Union	0	$0.00	0	$0.00	0	*$0.00*	*$0.00*
	Subtotal	0	$0.00	0	$0.00	0	*$0.00*	*$0.00*
Wastewater Revolving Loan Fund	Ashley	0	$0.00	0	$0.00	0	*$0.00*	*$0.00*
	Bradley	0	$0.00	0	$0.00	0	*$0.00*	*$0.00*
	Chicot	0	$0.00	0	$0.00	0	*$0.00*	*$0.00*
	Clark	0	$0.00	0	$0.00	0	*$0.00*	*$0.00*
	Columbia	0	$0.00	0	$0.00	0	*$0.00*	*$0.00*
	Drew	0	$0.00	0	$0.00	0	*$0.00*	*$0.00*
	Garland	1	$2,300,000.00	0	$0.00	1	*$2,300,000.00*	*$2,300,000.00*
	Hempstead	0	$0.00	0	$0.00	0	*$0.00*	*$0.00*
	Hot Spring	0	$0.00	0	$0.00	0	*$0.00*	*$0.00*
	Jefferson	0	$0.00	0	$0.00	0	*$0.00*	*$0.00*
	Lafayette	0	$0.00	0	$0.00	0	*$0.00*	*$0.00*
	Little River	0	$0.00	0	$0.00	0	*$0.00*	*$0.00*
	Polk	0	$0.00	0	$0.00	0	*$0.00*	*$0.00*
	Sevier	0	$0.00	0	$0.00	0	*$0.00*	*$0.00*
	Union	0	$0.00	0	$0.00	0	*$0.00*	*$0.00*
	Subtotal	1	$2,300,000.00	0	$0.00	1	*$2,300,000.00*	*$2,300,000.00*

DEVELOPMENT FINANCE:
07/2006 – 12/2006	01/2007 – 06/2007	*Total FY2007*
$5,939,584.74	$39,825,960.00	*$45,765,544.74*

Development Finance – Congressional District 4

FACTS & INFERENCES

No Development Finance projects during FY 2007 in the following Congressional District 4 counties:

Calhoun, Cleveland, Dallas, Desha, Grant, Howard, Lincoln, Logan, Miller, Montgomery, Nevada, Ouachita, Pike and Scott

OTHER PROGRAM(S)

Rehab / Disability Loan Program

	7/2006 - 12/2006		1/2007 - 6/2007		*FY2007 TOTAL*
County	No. Loans	Dollar Amount	No. Loans	Dollar Amount	*No. Loans*	*Dollar Amount*	*Average Per Unit*
Jefferson	0	$0.00	2	$3,700.00	2	*$3,700.00*	*$1,850.00*

TOTAL FUNDS FOR

Congressional district 4

07/2006 – 12/2006	01/2007 – 06/2007	*Total FY2007*
$10,087,074.27	$52,226,221.00	*$62,313,295.27*

All Programs – Congressional District 4

FACTS & INFERENCES

Graph – Funding by Time Period and Main Category of Programs

Time Period	Homeownership Funds	Housing Production Funds	Development Finance Funds	Other Funds	Total Funds
7/2006 – 12/2006	$3,415,546.00	$731,943.50	$5,939,584.74	$0.00	$10,087,074.27
1/2007 – 6/2007	$4,181,121.00	$8,215,440.00	$39,825,960.00	$3,700.00	$52,226,221.00
*Total FY2007*	*$75,596,667.00*	*$8,947,383.50*	*$45,765,544.74*	*$3,700.00*	*$62,313,295.27*
	*12.2%*	*14.3%*	*73.4%*	*0.1%*

Congressional District 4 received 19.8% ADFA’s available funds in FY2007. These funds are only part of the impact ADFA’s Homeownership, Housing Production, Development Finance and Other Programs had on the economy of the counties in Congressional District 4. There are many other ways (direct, indirect and induced) these funds benefited the 29 counties. For more information and analyses, please contact Judy Brummett at the address on the first page of the Statewide section.

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