Citizens Bank & Trust Company Mortgage Lending & HMDA Data, 2013
In 2013, Citizens Bank & Trust Company of Van Buren, AR reported 439 mortgage applications totaling $58.2 million, down 22% from 2012. The average application was for $132,505, and applicants reported an average income of $74,988. 79% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Fort Smith, AR-OK (352), Fayetteville-Springdale-Rogers, AR-MO (76) and Little Rock-North Little Rock-Conway, AR (3) (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 | 439 |
| Total Mortgage Loan Application Amount | $58,170,000 |
| Average Mortgage Loan Application Amount | $132,505 |
| Highest Mortgage Loan Application Amount | $1,285,000 |
| Average Applicant Income | $74,988 |
| Highest Applicant Income | $728,000 |
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records Citizens Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 172 | $ 18,073,000 | $ 105,075 | $ 59,000 |
| Sebastian, Arkansas | 151 | $ 21,263,000 | $ 140,814 | $ 76,000 |
| Benton, Arkansas | 66 | $ 11,378,000 | $ 172,393 | $ 95,000 |
| Sequoyah, Oklahoma | 18 | $ 2,666,000 | $ 148,111 | $ 85,000 |
| Washington, Arkansas | 10 | $ 1,890,000 | $ 189,000 | $ 71,000 |
| Franklin, Arkansas | 7 | $ 633,000 | $ 90,428 | $ 64,000 |
| Le Flore, Oklahoma | 4 | $ 264,000 | $ 66,000 | $ 27,000 |
| Montgomery, Arkansas | 3 | $ 702,000 | $ 234,000 | $ 418,000 |
| Logan, Arkansas | 2 | $ 191,000 | $ 95,500 | $ 37,000 |
| Faulkner, Arkansas | 1 | $ 181,000 | $ 181,000 | $ 170,000 |
| Pope, Arkansas | 1 | $ 198,000 | $ 198,000 | $ 188,000 |
| Pulaski, Arkansas | 1 | $ 417,000 | $ 417,000 | $ 215,000 |
| Saline, Arkansas | 1 | $ 248,000 | $ 248,000 | $ 147,000 |
| Cherokee, Oklahoma | 1 | $ 55,000 | $ 55,000 | $ 110,000 |
| Haskell, Oklahoma | 1 | $ 11,000 | $ 11,000 | $ 11,000 |
Mortgage Loan Application Detail Totals for Citizens Bank & Trust Company in 2013
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 | 217 | $29,074,000 | $133,000 | $1,285,000 | $76,000 | $490,000 |
| Refinancing | 195 | $27,467,000 | $140,000 | $850,000 | $74,000 | $728,000 |
| Home Improvement | 27 | $1,629,000 | $60,000 | $600,000 | $74,000 | $589,000 |
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 | 398 | $53,207,000 | $133,000 | $1,285,000 | $79,000 | $728,000 |
| Hispanic | 13 | $936,000 | $72,000 | $137,000 | $32,000 | $75,000 |
| Not applicable | 11 | $2,506,000 | $227,000 | $700,000 | $6,000 | $70,000 |
| Asian | 8 | $632,000 | $79,000 | $205,000 | $83,000 | $219,000 |
| Black or African American | 5 | $594,000 | $118,000 | $162,000 | $45,000 | $72,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $245,000 | $122,000 | $137,000 | $46,000 | $58,000 |
| American Indian or Alaskan Native | 2 | $50,000 | $25,000 | $39,000 | $38,000 | $65,000 |
| 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) | 373 | $49,887,000 | $133,000 | $1,285,000 | $79,000 | $728,000 |
| FHA-insured (Federal Housing Administration) | 43 | $5,215,000 | $121,000 | $265,000 | $55,000 | $360,000 |
| VA-guaranteed (Veterans Administration) | 12 | $1,945,000 | $162,000 | $270,000 | $61,000 | $125,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 11 | $1,123,000 | $102,000 | $198,000 | $42,000 | $76,000 |
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 | 349 | $46,378,000 | $132,000 | $1,285,000 | $76,000 | $728,000 |
| Application Denied By Financial Institution | 59 | $6,970,000 | $118,000 | $662,000 | $56,000 | $154,000 |
| Application Withdrawn By Applicant | 30 | $4,624,000 | $154,000 | $600,000 | $99,000 | $589,000 |
| Application Approved But Not Accepted | 1 | $198,000 | $198,000 | $198,000 | $96,000 | $96,000 |
| File Closed For Incompleteness | 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 2013 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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