Citizens Bank & Trust Company Mortgage Lending & HMDA Data, 2004
In 2004, Citizens Bank & Trust Company of Van Buren, AR reported 699 mortgage applications totaling $64.8 million, down 33% from 2003. The average application was for $92,765, and applicants reported an average income of $57,919. 86% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Fort Smith, AR-OK (642), Fayetteville-Springdale-Rogers, AR-MO (10) and Little Rock-North Little Rock, AR (1) (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 | 699 |
| Total Mortgage Loan Application Amount | $64,843,000 |
| Average Mortgage Loan Application Amount | $92,765 |
| Highest Mortgage Loan Application Amount | $713,000 |
| Average Applicant Income | $57,919 |
| Highest Applicant Income | $575,000 |
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records Citizens Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Citizens Bank & Trust Company in 2004
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 | 340 | $32,475,000 | $89,000 | $660,000 | $55,000 | $575,000 |
| Refinancing | 312 | $29,022,000 | $101,000 | $661,000 | $56,000 | $450,000 |
| Home Improvement | 47 | $3,346,000 | $67,500 | $713,000 | $53,500 | $295,000 |
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 | 628 | $57,863,000 | $95,500 | $661,000 | $60,500 | $575,000 |
| Hispanic | 27 | $1,862,000 | $77,000 | $153,000 | $43,500 | $117,000 |
| American Indian or Alaskan Native | 18 | $1,773,000 | $102,000 | $228,000 | $43,000 | $139,000 |
| Asian | 12 | $1,453,000 | $121,000 | $400,000 | $56,000 | $207,000 |
| Black or African American | 11 | $1,057,000 | $96,000 | $180,000 | $55,000 | $111,000 |
| Not applicable | 3 | $835,000 | $278,000 | $713,000 | $58,000 | $175,000 |
| 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) | 627 | $58,212,000 | $96,000 | $713,000 | $58,500 | $575,000 |
| FHA-insured (Federal Housing Administration) | 53 | $4,796,000 | $90,000 | $150,000 | $42,500 | $91,000 |
| VA-guaranteed (Veterans Administration) | 17 | $1,661,000 | $98,000 | $149,000 | $55,500 | $97,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $174,000 | $87,000 | $91,000 | $34,000 | $43,000 |
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 | 601 | $56,072,000 | $90,000 | $713,000 | $55,500 | $575,000 |
| Application Denied By Financial Institution | 69 | $5,263,000 | $92,000 | $207,000 | $46,000 | $120,000 |
| Application Withdrawn By Applicant | 27 | $3,348,000 | $159,500 | $450,000 | $77,500 | $367,000 |
| File Closed For Incompleteness | 2 | $160,000 | $80,000 | $110,000 | $25,000 | $37,000 |
| 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 | 33 | $1,883,000 | $81,000 | $152,000 | $41,500 | $89,000 |
| Debt-To-Income Ratio | 24 | $2,164,000 | $95,000 | $206,000 | $23,000 | $66,000 |
| Collateral | 5 | $536,000 | $112,000 | $175,000 | $80,500 | $95,000 |
| Other | 5 | $417,000 | $83,000 | $207,000 | $58,000 | $120,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $263,000 | $131,000 | $201,000 | $45,000 | $60,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Citizens Bank & Trust Company's 2004 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.
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