Citizens Bank & Trust Company Mortgage Lending & HMDA Data, 2018
In 2018, Citizens Bank & Trust Company of Van Buren, AR reported 180 mortgage applications totaling $24.1 million, down 5% from 2017. The average application was for $133,944, and applicants reported an average income of $77,483. 82% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Fort Smith, AR-OK (170) and Fayetteville-Springdale-Rogers, AR-MO (5).
| 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 | 180 |
| Total Mortgage Loan Application Amount | $24,110,000 |
| Average Mortgage Loan Application Amount | $133,944 |
| Highest Mortgage Loan Application Amount | $715,000 |
| Average Applicant Income | $77,483 |
| Highest Applicant Income | $534,000 |
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records Citizens Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 170 | $ 22,310,000 | $ 131,235 | $ 75,764 |
| Fayetteville-Springdale-Rogers, AR-MO | 5 | $ 1,435,000 | $ 287,000 | $ 460,000 |
| Outside any metro area | 5 | $ 365,000 | $ 73,000 | $ 56,800 |
Mortgage Loan Application Detail Totals for Citizens Bank & Trust Company in 2018
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 | 105 | $14,715,000 | $140,000 | $455,000 | $77,000 | $460,000 |
| Cash-out Refinancing | 38 | $3,600,000 | $94,000 | $405,000 | $52,000 | $184,000 |
| Refinancing | 31 | $5,035,000 | $162,000 | $715,000 | $100,000 | $534,000 |
| Home Improvement | 6 | $760,000 | $126,000 | $445,000 | $131,000 | $401,000 |
| 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 | 150 | $20,440,000 | $136,000 | $715,000 | $82,000 | $534,000 |
| Hispanic | 12 | $790,000 | $65,000 | $125,000 | $38,000 | $69,000 |
| Not applicable | 8 | $1,630,000 | $203,000 | $545,000 | $0 | $0 |
| American Indian or Alaskan Native | 5 | $405,000 | $81,000 | $125,000 | $47,000 | $79,000 |
| Black or African American | 3 | $435,000 | $145,000 | $205,000 | $61,000 | $76,000 |
| Not Provided | 1 | $235,000 | $235,000 | $235,000 | $57,000 | $57,000 |
| Asian | 1 | $175,000 | $175,000 | $175,000 | $45,000 | $45,000 |
| 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) | 135 | $17,275,000 | $127,000 | $715,000 | $79,000 | $534,000 |
| FHA-insured (Federal Housing Administration) | 22 | $3,450,000 | $156,000 | $275,000 | $72,000 | $236,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 16 | $2,030,000 | $126,000 | $185,000 | $49,000 | $69,000 |
| VA-guaranteed (Veterans Administration) | 7 | $1,355,000 | $193,000 | $455,000 | $130,000 | $460,000 |
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 | 148 | $19,300,000 | $130,000 | $545,000 | $75,000 | $460,000 |
| Application Denied By Financial Institution | 16 | $2,190,000 | $136,000 | $395,000 | $57,000 | $200,000 |
| Application Withdrawn By Applicant | 14 | $2,390,000 | $170,000 | $715,000 | $121,000 | $534,000 |
| File Closed For Incompleteness | 1 | $205,000 | $205,000 | $205,000 | $64,000 | $64,000 |
| Application Approved But Not Accepted | 1 | $25,000 | $25,000 | $25,000 | $36,000 | $36,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 164 | $21,920,000 | $133,000 | $715,000 | $79,000 | $534,000 |
| Credit History | 8 | $860,000 | $107,000 | $195,000 | $63,000 | $200,000 |
| Debt-To-Income Ratio | 5 | $775,000 | $155,000 | $395,000 | $49,000 | $117,000 |
| Employment History | 1 | $365,000 | $365,000 | $365,000 | $97,000 | $97,000 |
| Collateral | 1 | $95,000 | $95,000 | $95,000 | $34,000 | $34,000 |
| Unverifiable Information | 1 | $95,000 | $95,000 | $95,000 | $37,000 | $37,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Citizens Bank & Trust Company's 2018 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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