Citizens Bank & Trust Company Mortgage Lending & HMDA Data, 2010
In 2010, Citizens Bank & Trust Company of Van Buren, AR reported 524 mortgage applications totaling $60.2 million, down 7% from 2009. The average application was for $114,854, and applicants reported an average income of $75,270. 85% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Fort Smith, AR-OK (480), Fayetteville-Springdale-Rogers, AR-MO (34) and Hot Springs, AR (1) (applications in parentheses).
| 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 | 524 |
| Total Mortgage Loan Application Amount | $60,184,000 |
| Average Mortgage Loan Application Amount | $114,854 |
| Highest Mortgage Loan Application Amount | $800,000 |
| Average Applicant Income | $75,270 |
| Highest Applicant Income | $849,000 |
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records Citizens Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 221 | $ 19,708,000 | $ 89,176 | $ 54,000 |
| Sebastian, Arkansas | 212 | $ 28,593,000 | $ 134,872 | $ 88,000 |
| Benton, Arkansas | 31 | $ 5,269,000 | $ 169,967 | $ 121,000 |
| Sequoyah, Oklahoma | 22 | $ 2,192,000 | $ 99,636 | $ 73,000 |
| Le Flore, Oklahoma | 16 | $ 1,398,000 | $ 87,375 | $ 56,000 |
| Franklin, Arkansas | 9 | $ 767,000 | $ 85,222 | $ 77,000 |
| Logan, Arkansas | 3 | $ 273,000 | $ 91,000 | $ 64,000 |
| Washington, Arkansas | 3 | $ 396,000 | $ 132,000 | $ 56,000 |
| Montgomery, Arkansas | 2 | $ 938,000 | $ 469,000 | $ 590,000 |
| Carroll, Arkansas | 1 | $ 96,000 | $ 96,000 | $ 91,000 |
| Garland, Arkansas | 1 | $ 189,000 | $ 189,000 | $ 155,000 |
| Pope, Arkansas | 1 | $ 128,000 | $ 128,000 | $ 62,000 |
| Muskogee, Oklahoma | 1 | $ 87,000 | $ 87,000 | $ 86,000 |
| Rogers, Oklahoma | 1 | $ 150,000 | $ 150,000 | $ 113,000 |
Mortgage Loan Application Detail Totals for Citizens Bank & Trust Company in 2010
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 | 284 | $32,444,000 | $114,000 | $417,000 | $74,000 | $517,000 |
| Home Purchase | 201 | $25,825,000 | $128,000 | $800,000 | $81,000 | $849,000 |
| Home Improvement | 39 | $1,915,000 | $49,000 | $757,000 | $55,000 | $828,000 |
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 | 467 | $55,281,000 | $118,000 | $800,000 | $81,000 | $849,000 |
| Not applicable | 22 | $2,583,000 | $117,000 | $784,000 | $0 | $0 |
| Hispanic | 18 | $886,000 | $49,000 | $160,000 | $43,000 | $187,000 |
| Asian | 8 | $566,000 | $70,000 | $130,000 | $39,000 | $82,000 |
| Black or African American | 4 | $468,000 | $117,000 | $168,000 | $57,000 | $75,000 |
| American Indian or Alaskan Native | 4 | $277,000 | $69,000 | $109,000 | $82,000 | $115,000 |
| Not Provided | 1 | $123,000 | $123,000 | $123,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 448 | $50,302,000 | $112,000 | $800,000 | $78,000 | $849,000 |
| FHA-insured (Federal Housing Administration) | 63 | $8,221,000 | $130,000 | $266,000 | $62,000 | $223,000 |
| VA-guaranteed (Veterans Administration) | 10 | $1,368,000 | $136,000 | $189,000 | $55,000 | $89,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $293,000 | $97,000 | $108,000 | $28,000 | $45,000 |
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 | 445 | $50,171,000 | $112,000 | $800,000 | $75,000 | $849,000 |
| Application Denied By Financial Institution | 58 | $7,146,000 | $123,000 | $417,000 | $75,000 | $594,000 |
| Application Withdrawn By Applicant | 21 | $2,867,000 | $136,000 | $417,000 | $77,000 | $266,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Citizens Bank & Trust Company's 2010 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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