Citizens Bank & Trust Company Mortgage Lending & HMDA Data, 2011
In 2011, Citizens Bank & Trust Company of Van Buren, AR reported 451 mortgage applications totaling $52.2 million, down 14% from 2010. The average application was for $115,702, and applicants reported an average income of $89,636. 86% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Fort Smith, AR-OK (343), Fayetteville-Springdale-Rogers, AR-MO (100) 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 | 451 |
| Total Mortgage Loan Application Amount | $52,182,000 |
| Average Mortgage Loan Application Amount | $115,702 |
| Highest Mortgage Loan Application Amount | $607,000 |
| Average Applicant Income | $89,636 |
| Highest Applicant Income | $5,000,000 |
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records Citizens Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 183 | $ 15,830,000 | $ 86,502 | $ 61,000 |
| Sebastian, Arkansas | 128 | $ 16,367,000 | $ 127,867 | $ 126,000 |
| Benton, Arkansas | 94 | $ 14,792,000 | $ 157,361 | $ 99,000 |
| Sequoyah, Oklahoma | 16 | $ 1,520,000 | $ 95,000 | $ 61,000 |
| Franklin, Arkansas | 9 | $ 810,000 | $ 90,000 | $ 71,000 |
| Le Flore, Oklahoma | 7 | $ 327,000 | $ 46,714 | $ 82,000 |
| Washington, Arkansas | 6 | $ 912,000 | $ 152,000 | $ 71,000 |
| Cleburne, Arkansas | 2 | $ 700,000 | $ 350,000 | $ 228,000 |
| Carroll, Arkansas | 1 | $ 50,000 | $ 50,000 | $ 35,000 |
| Faulkner, Arkansas | 1 | $ 260,000 | $ 260,000 | $ 207,000 |
| Garland, Arkansas | 1 | $ 63,000 | $ 63,000 | $ 40,000 |
| Logan, Arkansas | 1 | $ 67,000 | $ 67,000 | $ 35,000 |
| Cherokee, Oklahoma | 1 | $ 72,000 | $ 72,000 | $ 230,000 |
| Oklahoma, Oklahoma | 1 | $ 412,000 | $ 412,000 | $ 122,000 |
Mortgage Loan Application Detail Totals for Citizens Bank & Trust Company in 2011
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 | 231 | $28,189,000 | $122,000 | $607,000 | $100,000 | $5,000,000 |
| Home Purchase | 201 | $22,851,000 | $113,000 | $417,000 | $81,000 | $641,000 |
| Home Improvement | 19 | $1,142,000 | $60,000 | $175,000 | $55,000 | $143,000 |
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 | 421 | $48,653,000 | $115,000 | $607,000 | $92,000 | $5,000,000 |
| Hispanic | 14 | $1,608,000 | $114,000 | $417,000 | $54,000 | $229,000 |
| Not applicable | 7 | $752,000 | $107,000 | $331,000 | $0 | $0 |
| Asian | 4 | $630,000 | $157,000 | $417,000 | $88,000 | $235,000 |
| Black or African American | 4 | $506,000 | $126,000 | $238,000 | $54,000 | $60,000 |
| American Indian or Alaskan Native | 1 | $33,000 | $33,000 | $33,000 | $95,000 | $95,000 |
| Not Provided | 0 | $0 | $0 | $0 | $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) | 375 | $43,497,000 | $115,000 | $607,000 | $97,000 | $5,000,000 |
| FHA-insured (Federal Housing Administration) | 61 | $6,978,000 | $114,000 | $250,000 | $54,000 | $112,000 |
| VA-guaranteed (Veterans Administration) | 8 | $963,000 | $120,000 | $210,000 | $49,000 | $83,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 7 | $744,000 | $106,000 | $190,000 | $40,000 | $73,000 |
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 | 389 | $44,359,000 | $114,000 | $607,000 | $92,000 | $5,000,000 |
| Application Denied By Financial Institution | 37 | $3,475,000 | $93,000 | $417,000 | $48,000 | $229,000 |
| Application Withdrawn By Applicant | 24 | $3,945,000 | $164,000 | $412,000 | $102,000 | $329,000 |
| File Closed For Incompleteness | 1 | $403,000 | $403,000 | $403,000 | $215,000 | $215,000 |
| 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 2011 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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