The Citizens Bank Mortgage Lending & HMDA Data, 2018
In 2018, The Citizens Bank of Batesville, AR reported 408 mortgage applications totaling $63.5 million, down 26% from 2017. The average application was for $155,612, and applicants reported an average income of $111,183. 75% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Hot Springs, AR (88), Fayetteville-Springdale-Rogers, AR-MO (23) and Little Rock-North Little Rock-Conway, AR (14) (applications in parentheses).
| Mortgage Company & Address | The Citizens Bank 200 S Third St, Po Box 2156 Batesville, AR 72503 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 |
| Total Number of Mortgage Applications | 408 |
| Total Mortgage Loan Application Amount | $63,490,000 |
| Average Mortgage Loan Application Amount | $155,612 |
| Highest Mortgage Loan Application Amount | $6,565,000 |
| Average Applicant Income | $111,183 |
| Highest Applicant Income | $1,070,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records The Citizens Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Outside any metro area | 268 | $ 36,210,000 | $ 135,111 | $ 102,003 |
| Hot Springs, AR | 88 | $ 15,160,000 | $ 172,272 | $ 124,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 23 | $ 6,725,000 | $ 292,391 | $ 151,000 |
| Little Rock-North Little Rock-Conway, AR | 14 | $ 3,160,000 | $ 225,714 | $ 212,000 |
| Pine Bluff, AR | 6 | $ 430,000 | $ 71,666 | $ 72,000 |
| Memphis, TN-MS-AR | 3 | $ 615,000 | $ 205,000 | $ 112,000 |
| Pensacola-Ferry Pass-Brent, FL | 2 | $ 900,000 | $ 450,000 | $ 0 |
| Columbia, SC | 1 | $ 75,000 | $ 75,000 | $ 62,000 |
| Fort Smith, AR-OK | 1 | $ 15,000 | $ 15,000 | $ 103,000 |
| Indianapolis-Carmel-Anderson, IN | 1 | $ 115,000 | $ 115,000 | $ 144,000 |
| Jonesboro, AR | 1 | $ 85,000 | $ 85,000 | $ 136,000 |
Mortgage Loan Application Detail Totals for The Citizens Bank 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 | 258 | $46,140,000 | $178,000 | $6,565,000 | $122,000 | $1,070,000 |
| Refinancing | 99 | $14,495,000 | $146,000 | $2,655,000 | $93,000 | $855,000 |
| Other Purpose | 28 | $1,300,000 | $46,000 | $155,000 | $59,000 | $214,000 |
| Home Improvement | 22 | $1,430,000 | $65,000 | $195,000 | $135,000 | $847,000 |
| Cash-out Refinancing | 1 | $125,000 | $125,000 | $125,000 | $58,000 | $58,000 |
| Not Applicable | 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 | 320 | $36,900,000 | $115,000 | $1,005,000 | $114,000 | $1,070,000 |
| Not applicable | 62 | $23,040,000 | $371,000 | $6,565,000 | $0 | $0 |
| Hispanic | 11 | $595,000 | $54,000 | $175,000 | $38,000 | $218,000 |
| Asian | 8 | $1,930,000 | $241,000 | $1,405,000 | $91,000 | $350,000 |
| Black or African American | 6 | $970,000 | $161,000 | $625,000 | $67,000 | $180,000 |
| American Indian or Alaskan Native | 1 | $55,000 | $55,000 | $55,000 | $33,000 | $33,000 |
| 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) | 404 | $62,830,000 | $155,000 | $6,565,000 | $111,000 | $1,070,000 |
| VA-guaranteed (Veterans Administration) | 2 | $360,000 | $180,000 | $225,000 | $79,000 | $123,000 |
| FHA-insured (Federal Housing Administration) | 1 | $115,000 | $115,000 | $115,000 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $185,000 | $185,000 | $185,000 | $76,000 | $76,000 |
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 | 304 | $52,550,000 | $172,000 | $6,565,000 | $127,000 | $1,070,000 |
| Application Approved But Not Accepted | 54 | $6,250,000 | $115,000 | $725,000 | $79,000 | $299,000 |
| Application Denied By Financial Institution | 43 | $3,875,000 | $90,000 | $625,000 | $58,000 | $683,000 |
| Application Withdrawn By Applicant | 7 | $815,000 | $116,000 | $255,000 | $43,000 | $110,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 365 | $59,615,000 | $163,000 | $6,565,000 | $118,000 | $1,070,000 |
| Credit History | 23 | $1,365,000 | $59,000 | $225,000 | $70,000 | $683,000 |
| Debt-To-Income Ratio | 14 | $1,060,000 | $75,000 | $205,000 | $38,000 | $103,000 |
| Other | 3 | $1,245,000 | $415,000 | $625,000 | $39,000 | $63,000 |
| Employment History | 2 | $180,000 | $90,000 | $155,000 | $81,000 | $118,000 |
| Collateral | 1 | $25,000 | $25,000 | $25,000 | $41,000 | $41,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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 The Citizens Bank'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 The Citizens Bank'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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