Citizens Bank & Trust Company Mortgage Lending & HMDA Data, 2021
In 2021, Citizens Bank & Trust Company of Van Buren, AR reported 455 mortgage applications totaling $82.6 million, up 5% from 2020. The average application was for $181,593, and applicants reported an average income of $86,336. 82% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Fort Smith, AR-OK (416), Fayetteville-Springdale-Rogers, AR-MO (21) and Little Rock-North Little Rock-Conway, AR (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 | 455 |
| Total Mortgage Loan Application Amount | $82,625,000 |
| Average Mortgage Loan Application Amount | $181,593 |
| Highest Mortgage Loan Application Amount | $3,405,000 |
| Average Applicant Income | $86,336 |
| Highest Applicant Income | $1,002,000 |
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records Citizens Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 314 | $ 56,600,000 | $ 180,254 | $ 77,000 |
| Sebastian, Arkansas | 82 | $ 12,840,000 | $ 156,585 | $ 93,000 |
| Sequoyah, Oklahoma | 14 | $ 1,960,000 | $ 140,000 | $ 82,000 |
| Washington, Arkansas | 12 | $ 3,370,000 | $ 280,833 | $ 115,000 |
| Benton, Arkansas | 9 | $ 2,955,000 | $ 328,333 | $ 120,000 |
| Franklin, Arkansas | 6 | $ 620,000 | $ 103,333 | $ 65,000 |
| Le Flore, Oklahoma | 3 | $ 285,000 | $ 95,000 | $ 52,000 |
| Logan, Arkansas | 2 | $ 190,000 | $ 95,000 | $ 56,000 |
| Pope, Arkansas | 2 | $ 180,000 | $ 90,000 | $ 47,000 |
| Pulaski, Arkansas | 2 | $ 430,000 | $ 215,000 | $ 152,000 |
| Carroll, Arkansas | 1 | $ 245,000 | $ 245,000 | $ 110,000 |
| Garland, Arkansas | 1 | $ 265,000 | $ 265,000 | $ 275,000 |
| Johnson, Arkansas | 1 | $ 535,000 | $ 535,000 | $ 229,000 |
| Polk, Arkansas | 1 | $ 55,000 | $ 55,000 | $ 38,000 |
| Lee, Florida | 1 | $ 1,125,000 | $ 1,125,000 | $ 1,002,000 |
| Johnson, Kansas | 1 | $ 55,000 | $ 55,000 | $ 151,000 |
| Taney, Missouri | 1 | $ 75,000 | $ 75,000 | $ 350,000 |
| Cherokee, Oklahoma | 1 | $ 345,000 | $ 345,000 | $ 0 |
| Rogers, Oklahoma | 1 | $ 495,000 | $ 495,000 | $ 479,000 |
Mortgage Loan Application Detail Totals for Citizens Bank & Trust Company in 2021
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 | 252 | $46,140,000 | $183,000 | $2,275,000 | $83,000 | $1,002,000 |
| Refinancing | 107 | $22,815,000 | $213,000 | $3,405,000 | $92,000 | $550,000 |
| Cash-out Refinancing | 93 | $13,505,000 | $145,000 | $515,000 | $90,000 | $735,000 |
| Home Improvement | 3 | $165,000 | $55,000 | $65,000 | $51,000 | $89,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 395 | $69,125,000 | $175,000 | $3,405,000 | $88,000 | $1,002,000 |
| Not applicable | 16 | $5,790,000 | $361,000 | $2,275,000 | $0 | $0 |
| American Indian or Alaskan Native | 14 | $2,220,000 | $158,000 | $545,000 | $60,000 | $132,000 |
| Hispanic | 11 | $1,165,000 | $105,000 | $205,000 | $49,000 | $119,000 |
| Not Provided | 9 | $1,895,000 | $210,000 | $355,000 | $94,000 | $186,000 |
| Black or African American | 7 | $1,765,000 | $252,000 | $705,000 | $85,000 | $254,000 |
| Asian | 2 | $440,000 | $220,000 | $295,000 | $115,000 | $174,000 |
| 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) | 355 | $66,075,000 | $186,000 | $3,405,000 | $96,000 | $1,002,000 |
| FHA-insured (Federal Housing Administration) | 42 | $6,680,000 | $159,000 | $355,000 | $56,000 | $160,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 36 | $5,460,000 | $151,000 | $245,000 | $42,000 | $103,000 |
| VA-guaranteed (Veterans Administration) | 22 | $4,410,000 | $200,000 | $425,000 | $73,000 | $166,000 |
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 | 371 | $70,795,000 | $190,000 | $3,405,000 | $90,000 | $1,002,000 |
| Application Withdrawn By Applicant | 54 | $7,800,000 | $144,000 | $465,000 | $77,000 | $404,000 |
| Application Denied By Financial Institution | 26 | $3,670,000 | $141,000 | $375,000 | $58,000 | $411,000 |
| File Closed For Incompleteness | 3 | $325,000 | $108,000 | $205,000 | $63,000 | $129,000 |
| Application Approved But Not Accepted | 1 | $35,000 | $35,000 | $35,000 | $29,000 | $29,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 455 | $82,625,000 | $181,000 | $3,405,000 | $86,000 | $1,002,000 |
| 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 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Citizens Bank & Trust Company's 2021 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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