Citizens Bank & Trust Company Mortgage Lending & HMDA Data, 2017
In 2017, Citizens Bank & Trust Company of Van Buren, AR reported 189 mortgage applications totaling $20.7 million, down 14% from 2016. The average application was for $109,291, and applicants reported an average income of $79,740. 82% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Fort Smith, AR-OK (174), Fayetteville-Springdale-Rogers, AR-MO (3) and Cape Coral-Fort Myers, FL (2) (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 | 189 |
| Total Mortgage Loan Application Amount | $20,656,000 |
| Average Mortgage Loan Application Amount | $109,291 |
| Highest Mortgage Loan Application Amount | $418,000 |
| Average Applicant Income | $79,740 |
| Highest Applicant Income | $1,152,000 |
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records Citizens Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 128 | $ 13,308,000 | $ 103,968 | $ 66,000 |
| Sebastian, Arkansas | 41 | $ 4,448,000 | $ 108,487 | $ 71,000 |
| Franklin, Arkansas | 7 | $ 577,000 | $ 82,428 | $ 90,000 |
| Sequoyah, Oklahoma | 4 | $ 405,000 | $ 101,250 | $ 47,000 |
| Washington, Arkansas | 3 | $ 688,000 | $ 229,333 | $ 89,000 |
| Lee, Florida | 2 | $ 504,000 | $ 252,000 | $ 1,152,000 |
| Faulkner, Arkansas | 1 | $ 220,000 | $ 220,000 | $ 78,000 |
| Logan, Arkansas | 1 | $ 76,000 | $ 76,000 | $ 59,000 |
| Scott, Arkansas | 1 | $ 140,000 | $ 140,000 | $ 41,000 |
| Le Flore, Oklahoma | 1 | $ 290,000 | $ 290,000 | $ 191,000 |
Mortgage Loan Application Detail Totals for Citizens Bank & Trust Company in 2017
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 | 91 | $10,823,000 | $118,000 | $360,000 | $89,000 | $1,152,000 |
| Refinancing | 91 | $9,202,000 | $101,000 | $418,000 | $60,000 | $197,000 |
| Home Improvement | 7 | $631,000 | $90,000 | $300,000 | $216,000 | $1,152,000 |
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 | 156 | $18,116,000 | $116,000 | $418,000 | $88,000 | $1,152,000 |
| Hispanic | 15 | $727,000 | $48,000 | $110,000 | $43,000 | $95,000 |
| Not applicable | 10 | $677,000 | $67,000 | $200,000 | $0 | $0 |
| Black or African American | 4 | $416,000 | $104,000 | $158,000 | $101,000 | $138,000 |
| American Indian or Alaskan Native | 4 | $720,000 | $180,000 | $283,000 | $74,000 | $120,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 152 | $15,364,000 | $101,000 | $405,000 | $84,000 | $1,152,000 |
| FHA-insured (Federal Housing Administration) | 15 | $1,974,000 | $131,000 | $216,000 | $66,000 | $112,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 12 | $1,456,000 | $121,000 | $167,000 | $45,000 | $77,000 |
| VA-guaranteed (Veterans Administration) | 10 | $1,862,000 | $186,000 | $418,000 | $85,000 | $182,000 |
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 | 155 | $17,472,000 | $112,000 | $418,000 | $85,000 | $1,152,000 |
| Application Denied By Financial Institution | 26 | $2,541,000 | $97,000 | $275,000 | $57,000 | $197,000 |
| Application Withdrawn By Applicant | 8 | $643,000 | $80,000 | $237,000 | $56,000 | $144,000 |
| 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 2017 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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