Citizens Bank & Trust Company Mortgage Lending & HMDA Data, 2020
In 2020, Citizens Bank & Trust Company of Van Buren, AR reported 432 mortgage applications totaling $72.4 million, up 104% from 2019. The average application was for $167,592, and applicants reported an average income of $87,365. 76% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Fort Smith, AR-OK (393), Fayetteville-Springdale-Rogers, AR-MO (17) and Jonesboro, AR (4) (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 | 432 |
| Total Mortgage Loan Application Amount | $72,400,000 |
| Average Mortgage Loan Application Amount | $167,592 |
| Highest Mortgage Loan Application Amount | $2,255,000 |
| Average Applicant Income | $87,365 |
| Highest Applicant Income | $482,000 |
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records Citizens Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 393 | $ 65,015,000 | $ 165,432 | $ 83,819 |
| Fayetteville-Springdale-Rogers, AR-MO | 17 | $ 4,815,000 | $ 283,235 | $ 170,000 |
| Outside any metro area | 14 | $ 1,510,000 | $ 107,857 | $ 73,857 |
| Jonesboro, AR | 4 | $ 560,000 | $ 140,000 | $ 106,000 |
| Joplin, MO | 2 | $ 130,000 | $ 65,000 | $ 101,000 |
| Kansas City, MO-KS | 1 | $ 215,000 | $ 215,000 | $ 126,000 |
| Little Rock-North Little Rock-Conway, AR | 1 | $ 155,000 | $ 155,000 | $ 87,000 |
Mortgage Loan Application Detail Totals for Citizens Bank & Trust Company in 2020
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 | 190 | $27,020,000 | $142,000 | $585,000 | $75,000 | $482,000 |
| Refinancing | 133 | $25,955,000 | $195,000 | $1,875,000 | $105,000 | $466,000 |
| Cash-out Refinancing | 106 | $19,260,000 | $181,000 | $2,255,000 | $86,000 | $380,000 |
| Home Improvement | 3 | $165,000 | $55,000 | $75,000 | $137,000 | $281,000 |
| 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 | 377 | $59,345,000 | $157,000 | $515,000 | $87,000 | $482,000 |
| Not applicable | 15 | $6,925,000 | $461,000 | $2,255,000 | $0 | $0 |
| Not Provided | 15 | $2,825,000 | $188,000 | $425,000 | $109,000 | $284,000 |
| Hispanic | 11 | $1,175,000 | $106,000 | $255,000 | $52,000 | $107,000 |
| American Indian or Alaskan Native | 7 | $1,295,000 | $185,000 | $345,000 | $104,000 | $225,000 |
| Asian | 5 | $575,000 | $115,000 | $195,000 | $111,000 | $201,000 |
| Black or African American | 2 | $260,000 | $130,000 | $135,000 | $56,000 | $58,000 |
| 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) | 343 | $58,935,000 | $171,000 | $2,255,000 | $96,000 | $482,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 41 | $4,965,000 | $121,000 | $195,000 | $42,000 | $62,000 |
| FHA-insured (Federal Housing Administration) | 32 | $4,950,000 | $154,000 | $335,000 | $62,000 | $140,000 |
| VA-guaranteed (Veterans Administration) | 16 | $3,550,000 | $221,000 | $425,000 | $80,000 | $277,000 |
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 | 329 | $56,755,000 | $172,000 | $2,255,000 | $94,000 | $482,000 |
| Application Withdrawn By Applicant | 53 | $8,665,000 | $163,000 | $515,000 | $79,000 | $380,000 |
| Application Denied By Financial Institution | 50 | $6,980,000 | $139,000 | $395,000 | $53,000 | $196,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 432 | $72,400,000 | $167,000 | $2,255,000 | $87,000 | $482,000 |
| 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 2020 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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