Citizens Bank & Trust Company Mortgage Lending & HMDA Data, 2025
In 2025, Citizens Bank & Trust Company of Van Buren, AR reported 125 mortgage applications totaling $21.4 million, up 16% from 2024. The average application was for $171,160, and applicants reported an average income of $103,320. 82% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Fort Smith, AR-OK (116) and Fayetteville-Springdale-Rogers, AR-MO (5).
| Mortgage Company & Address | Citizens Bank & Trust Company Po Box 469 Van Buren, AR 72956 Tel #: available with data download |
| Federal Regulator | * available with data download |
| 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 | 125 |
| Total Mortgage Loan Application Amount | $21,395,000 |
| Average Mortgage Loan Application Amount | $171,160 |
| Highest Mortgage Loan Application Amount | $1,005,000 |
| Average Applicant Income | $103,320 |
| Highest Applicant Income | $396,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Citizens Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
Mortgage Loan Application Detail Totals for Citizens Bank & Trust Company in 2025
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 | 59 | $12,335,000 | $209,000 | $1,005,000 | $113,000 | $396,000 |
| Refinancing | 56 | $8,650,000 | $154,000 | $805,000 | $98,000 | $272,000 |
| Home Improvement | 9 | $355,000 | $39,000 | $85,000 | $81,000 | $127,000 |
| Cash-out Refinancing | 1 | $55,000 | $55,000 | $55,000 | $31,000 | $31,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 105 | $16,865,000 | $160,000 | $805,000 | $105,000 | $396,000 |
| Hispanic | 11 | $1,805,000 | $164,000 | $505,000 | $64,000 | $94,000 |
| Not applicable | 6 | $2,040,000 | $340,000 | $1,005,000 | $0 | $0 |
| Asian | 2 | $420,000 | $210,000 | $265,000 | $189,000 | $203,000 |
| Black or African American | 1 | $265,000 | $265,000 | $265,000 | $169,000 | $169,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 114 | $19,090,000 | $167,000 | $1,005,000 | $104,000 | $396,000 |
| FHA-insured (Federal Housing Administration) | 5 | $1,215,000 | $243,000 | $535,000 | $120,000 | $251,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $375,000 | $125,000 | $165,000 | $70,000 | $76,000 |
| VA-guaranteed (Veterans Administration) | 3 | $715,000 | $238,000 | $265,000 | $83,000 | $92,000 |
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 | 103 | $17,615,000 | $171,000 | $1,005,000 | $109,000 | $396,000 |
| Application Denied By Financial Institution | 12 | $1,260,000 | $105,000 | $245,000 | $56,000 | $129,000 |
| Application Withdrawn By Applicant | 10 | $2,520,000 | $252,000 | $805,000 | $104,000 | $231,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 125 | $21,395,000 | $171,000 | $1,005,000 | $103,000 | $396,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Citizens Bank & Trust Company's 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Citizens Bank & Trust Company's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Arkansas, download the full spreadsheet
with aggregated HMDA statistics today.
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