Citizens Bank & Trust Company Mortgage Lending & HMDA Data, 2003
In 2003, Citizens Bank & Trust Company of Van Buren, AR reported 1,044 mortgage applications totaling $91.8 million. The average application was for $87,958, and applicants reported an average income of $50,737. 89% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Fort Smith, AR-OK (944) and Fayetteville-Springdale-Rogers, AR (1).
| 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 | 1,044 |
| Total Mortgage Loan Application Amount | $91,829,000 |
| Average Mortgage Loan Application Amount | $87,958 |
| Highest Mortgage Loan Application Amount | $910,000 |
| Average Applicant Income | $50,737 |
| Highest Applicant Income | $472,000 |
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records Citizens Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Crawford, Arkansas | 594 | $ 47,901,000 | $ 80,641 | $ 47,000 |
| Sebastian, Arkansas | 350 | $ 35,127,000 | $ 100,362 | $ 48,000 |
| Sequoyah, Oklahoma | 42 | $ 3,852,000 | $ 91,714 | $ 53,000 |
| Le Flore, Oklahoma | 23 | $ 1,584,000 | $ 68,869 | $ 60,000 |
| Franklin, Arkansas | 12 | $ 1,071,000 | $ 89,250 | $ 34,000 |
| Benton, Arkansas | 3 | $ 304,000 | $ 101,333 | $ 52,000 |
| Faulkner, Arkansas | 3 | $ 359,000 | $ 119,666 | $ 60,000 |
| Logan, Arkansas | 3 | $ 232,000 | $ 77,333 | $ 52,000 |
| Scott, Arkansas | 2 | $ 198,000 | $ 99,000 | $ 56,000 |
| Washington, Arkansas | 2 | $ 177,000 | $ 88,500 | $ 57,000 |
| Carroll, Arkansas | 1 | $ 94,000 | $ 94,000 | $ 31,000 |
| Johnson, Arkansas | 1 | $ 93,000 | $ 93,000 | $ 56,000 |
| Montgomery, Arkansas | 1 | $ 56,000 | $ 56,000 | $ 56,000 |
| Phillips, Arkansas | 1 | $ 153,000 | $ 153,000 | $ 33,000 |
| Polk, Arkansas | 1 | $ 75,000 | $ 75,000 | $ 27,000 |
| Pulaski, Arkansas | 1 | $ 307,000 | $ 307,000 | $ 299,000 |
| Cherokee, Oklahoma | 1 | $ 17,000 | $ 17,000 | $ 10,000 |
| Haskell, Oklahoma | 1 | $ 21,000 | $ 21,000 | $ 80,000 |
| Muskogee, Oklahoma | 1 | $ 66,000 | $ 66,000 | $ 44,000 |
| Oklahoma, Oklahoma | 1 | $ 142,000 | $ 142,000 | $ 266,000 |
Mortgage Loan Application Detail Totals for Citizens Bank & Trust Company in 2003
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 |
|---|---|---|---|---|---|---|
| Refinancing (home purchase or home improvement, one-to-four family) | 679 | $61,215,000 | $85,000 | $910,000 | $53,000 | $472,000 |
| Home Purchase (one-to-four family) | 343 | $29,633,000 | $89,500 | $760,000 | $67,000 | $362,000 |
| Home Improvement (one-to-four family) | 21 | $701,000 | $33,000 | $96,000 | $52,000 | $175,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 1 | $280,000 | $280,000 | $280,000 | $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 | 984 | $87,260,000 | $85,000 | $910,000 | $57,500 | $472,000 |
| Asian or Pacific Islander | 18 | $1,589,000 | $88,000 | $287,000 | $37,000 | $61,000 |
| Hispanic | 17 | $1,016,000 | $59,000 | $200,000 | $35,000 | $63,000 |
| Black | 10 | $578,000 | $68,000 | $115,000 | $51,000 | $105,000 |
| American Indian or Alaskan Native | 10 | $817,000 | $82,500 | $128,000 | $91,000 | $188,000 |
| Other | 5 | $569,000 | $101,000 | $245,000 | $44,500 | $64,000 |
| Information not provided by applicant in mail or telephone application | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 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) | 938 | $83,200,000 | $85,500 | $910,000 | $61,000 | $472,000 |
| FHA-insured (Federal Housing Administration) | 69 | $5,294,000 | $66,500 | $145,000 | $23,500 | $134,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 23 | $1,956,000 | $85,000 | $96,000 | $31,000 | $49,000 |
| VA-guaranteed (Veterans Administration) | 14 | $1,379,000 | $86,500 | $148,000 | $50,500 | $74,000 |
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 | 929 | $82,787,000 | $85,500 | $910,000 | $59,500 | $472,000 |
| Application Denied By Financial Institution | 74 | $5,599,000 | $80,000 | $760,000 | $36,000 | $125,000 |
| Application Withdrawn By Applicant | 41 | $3,443,000 | $71,500 | $280,000 | $83,000 | $295,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 |
|---|---|---|---|---|---|---|
| Credit History | 45 | $2,491,000 | $77,000 | $128,000 | $36,500 | $74,000 |
| Debt-To-Income Ratio | 14 | $1,686,000 | $90,500 | $760,000 | $21,500 | $125,000 |
| Collateral | 9 | $992,000 | $105,500 | $275,000 | $59,500 | $78,000 |
| Employment History | 4 | $307,000 | $76,000 | $100,000 | $28,000 | $42,000 |
| Other | 2 | $123,000 | $61,000 | $88,000 | $40,000 | $61,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Citizens Bank & Trust Company's 2003 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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