Citizens Bank & Trust Company Mortgage Lending & HMDA Data, 2006
In 2006, Citizens Bank & Trust Company of Van Buren, AR reported 445 mortgage applications totaling $45.0 million, down 18% from 2005. The average application was for $101,157, and applicants reported an average income of $65,795. 85% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Fort Smith, AR-OK (432) and Fayetteville-Springdale-Rogers, AR-MO (6).
| 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 | 445 |
| Total Mortgage Loan Application Amount | $45,015,000 |
| Average Mortgage Loan Application Amount | $101,157 |
| Highest Mortgage Loan Application Amount | $428,000 |
| Average Applicant Income | $65,795 |
| Highest Applicant Income | $816,000 |
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records Citizens Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 239 | $ 19,770,000 | $ 82,719 | $ 55,000 |
| Sebastian, Arkansas | 146 | $ 19,178,000 | $ 131,356 | $ 83,000 |
| Sequoyah, Oklahoma | 21 | $ 1,927,000 | $ 91,761 | $ 48,000 |
| Le Flore, Oklahoma | 18 | $ 1,712,000 | $ 95,111 | $ 50,000 |
| Franklin, Arkansas | 8 | $ 959,000 | $ 119,875 | $ 67,000 |
| Washington, Arkansas | 5 | $ 591,000 | $ 118,200 | $ 160,000 |
| Logan, Arkansas | 3 | $ 283,000 | $ 94,333 | $ 43,000 |
| Benton, Arkansas | 1 | $ 120,000 | $ 120,000 | $ 78,000 |
| Cleburne, Arkansas | 1 | $ 134,000 | $ 134,000 | $ 62,000 |
| Montgomery, Arkansas | 1 | $ 143,000 | $ 143,000 | $ 324,000 |
| Scott, Arkansas | 1 | $ 48,000 | $ 48,000 | $ 36,000 |
| Muskogee, Oklahoma | 1 | $ 150,000 | $ 150,000 | $ 71,000 |
Mortgage Loan Application Detail Totals for Citizens Bank & Trust Company in 2006
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 | 239 | $23,082,000 | $96,000 | $350,000 | $61,000 | $518,000 |
| Refinancing | 180 | $20,617,000 | $114,000 | $428,000 | $73,000 | $816,000 |
| Home Improvement | 26 | $1,316,000 | $50,000 | $292,000 | $60,000 | $232,000 |
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 | 399 | $40,862,000 | $102,000 | $428,000 | $68,000 | $816,000 |
| Hispanic | 18 | $1,546,000 | $85,000 | $321,000 | $56,000 | $398,000 |
| Not applicable | 11 | $946,000 | $86,000 | $220,000 | $0 | $0 |
| Asian | 9 | $1,168,000 | $129,000 | $270,000 | $86,000 | $432,000 |
| American Indian or Alaskan Native | 5 | $270,000 | $54,000 | $100,000 | $49,000 | $94,000 |
| Black or African American | 3 | $223,000 | $74,000 | $104,000 | $38,000 | $63,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 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) | 384 | $38,729,000 | $100,000 | $428,000 | $68,000 | $816,000 |
| FHA-insured (Federal Housing Administration) | 43 | $4,091,000 | $95,000 | $192,000 | $47,000 | $129,000 |
| VA-guaranteed (Veterans Administration) | 10 | $1,460,000 | $146,000 | $284,000 | $64,000 | $90,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 8 | $735,000 | $91,000 | $149,000 | $40,000 | $50,000 |
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 | 380 | $39,246,000 | $103,000 | $428,000 | $69,000 | $816,000 |
| Application Denied By Financial Institution | 35 | $2,803,000 | $80,000 | $400,000 | $39,000 | $173,000 |
| Application Withdrawn By Applicant | 30 | $2,966,000 | $98,000 | $316,000 | $58,000 | $432,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 18 | $1,425,000 | $79,000 | $400,000 | $43,000 | $173,000 |
| Debt-To-Income Ratio | 10 | $926,000 | $92,000 | $150,000 | $33,000 | $71,000 |
| Employment History | 3 | $119,000 | $39,000 | $64,000 | $33,000 | $42,000 |
| Other | 3 | $275,000 | $91,000 | $235,000 | $38,000 | $61,000 |
| Collateral | 1 | $58,000 | $58,000 | $58,000 | $43,000 | $43,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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 2006 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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