Citizens Bank & Trust Company Mortgage Lending & HMDA Data, 2009
In 2009, Citizens Bank & Trust Company of Van Buren, AR reported 566 mortgage applications totaling $60.6 million, up 21% from 2008. The average application was for $106,996, and applicants reported an average income of $65,420. 86% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Fort Smith, AR-OK (543), Fayetteville-Springdale-Rogers, AR-MO (7) 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 | 566 |
| Total Mortgage Loan Application Amount | $60,560,000 |
| Average Mortgage Loan Application Amount | $106,996 |
| Highest Mortgage Loan Application Amount | $949,000 |
| Average Applicant Income | $65,420 |
| Highest Applicant Income | $727,000 |
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records Citizens Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Fort Smith, AR-OK | 543 | $ 56,647,000 | $ 104,322 | $ 61,215 |
| Fayetteville-Springdale-Rogers, AR-MO | 7 | $ 1,408,000 | $ 201,142 | $ 273,000 |
| Little Rock-North Little Rock-Conway, AR | 3 | $ 702,000 | $ 234,000 | $ 76,000 |
| Oklahoma City, OK | 3 | $ 734,000 | $ 244,666 | $ 171,000 |
| Kansas City, MO-KS | 1 | $ 26,000 | $ 26,000 | $ 175,000 |
| Tulsa, OK | 1 | $ 72,000 | $ 72,000 | $ 111,000 |
Mortgage Loan Application Detail Totals for Citizens Bank & Trust Company in 2009
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 | 302 | $35,267,000 | $116,000 | $719,000 | $70,000 | $727,000 |
| Home Purchase | 222 | $23,803,000 | $107,000 | $949,000 | $64,000 | $583,000 |
| Home Improvement | 42 | $1,490,000 | $35,000 | $105,000 | $40,000 | $185,000 |
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 | 492 | $52,948,000 | $107,000 | $450,000 | $72,000 | $727,000 |
| Not applicable | 36 | $3,876,000 | $107,000 | $719,000 | $0 | $0 |
| Hispanic | 22 | $2,088,000 | $94,000 | $949,000 | $41,000 | $121,000 |
| Asian | 9 | $995,000 | $110,000 | $220,000 | $30,000 | $47,000 |
| Black or African American | 5 | $492,000 | $98,000 | $246,000 | $59,000 | $80,000 |
| American Indian or Alaskan Native | 2 | $161,000 | $80,000 | $115,000 | $56,000 | $72,000 |
| 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) | 456 | $48,013,000 | $105,000 | $949,000 | $68,000 | $727,000 |
| FHA-insured (Federal Housing Administration) | 91 | $10,391,000 | $114,000 | $272,000 | $54,000 | $583,000 |
| VA-guaranteed (Veterans Administration) | 14 | $1,742,000 | $124,000 | $246,000 | $50,000 | $72,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $414,000 | $82,000 | $98,000 | $33,000 | $46,000 |
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 | 486 | $50,603,000 | $104,000 | $949,000 | $66,000 | $727,000 |
| Application Denied By Financial Institution | 49 | $5,590,000 | $114,000 | $364,000 | $54,000 | $432,000 |
| Application Withdrawn By Applicant | 31 | $4,367,000 | $140,000 | $414,000 | $70,000 | $395,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 24 | $2,244,000 | $93,000 | $186,000 | $51,000 | $141,000 |
| Debt-To-Income Ratio | 14 | $1,939,000 | $138,000 | $364,000 | $29,000 | $88,000 |
| Other | 9 | $1,013,000 | $112,000 | $272,000 | $106,000 | $432,000 |
| Collateral | 1 | $309,000 | $309,000 | $309,000 | $66,000 | $66,000 |
| Employment History | 1 | $85,000 | $85,000 | $85,000 | $1,000 | $1,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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 2009 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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