Citizens' Bank & Trust Co. Mortgage Rates, Fees & Info
Van Buren, ARLEI: 549300EY247F6R5IHX75
Tax ID: 71-0031350
Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
Jump to:
Mortgage Data
Review & Overview
Citizens' Bank & Trust Co. is a smaller bank specializing in Home Purchase, Cash Out Refi, and Refi loans. Citizens' Bank & Trust Co. has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Fort Smith, Fayetteville, Little Rock, and Branson among others. We have data for 5 markets. (Some data included below & more in-depth data is available with an active subscription.)Citizens' Bank & Trust Co. has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.
Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.
Originations
121Origination Dollar Volume (All Markets)
$22,065,000Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| FORT SMITH, AR-OK (FHA|USDA|VA) | 115 | $20,475,000 | $178,043 | $0 | 0.00% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 2 | $710,000 | $355,000 | $0 | 0.00% |
| Outside of Metro Areas | 2 | $390,000 | $195,000 | $0 | 0.00% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $0 | 0.00% |
| Branson, MO (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $0 | 0.00% |
Similar Lenders
We use machine learning to identify the top lenders compared against Citizens' Bank & Trust Co. based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
Similarity Rank: 286
Similarity Rank: 330
Similarity Rank: 378
Similarity Rank: 391
Similarity Rank: 518
Similarity Rank: 820
Similarity Rank: 850
Similarity Rank: 992
Similarity Rank: 1778
Similarity Rank: 2091
Product Mix
For 2023, Citizens' Bank & Trust Co.'s most frequently originated type of loan was Conventional, with 103 originations. Their 2nd most popular type was FHA, with 6 originations.
Loan Reason
For 2023, Citizens' Bank & Trust Co.'s most frequently cited loan purpose was Home Purchase, with 67 originations. The 2nd most popular reason was Cash Out Refi, with 32 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 121 | $22,065,000 | $182,355 | $0 | 0.00% |
For 2023, Citizens' Bank & Trust Co.'s most frequently cited loan duration was Other, with 121 originations.
Loan Sizing
2023 saw Citizens' Bank & Trust Co. place emphasis on $100k-200k loans with 50 originations, totaling $7,550,000 in origination value.
Applicant Income
Citizens' Bank & Trust Co. lent most frequently to those with incomes in the $50k-75k range, with 31 originations. The second most popular income band? $75k-100k, with 24 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 121 | $22,065,000 | $182,355 | $0 | 0.00% |
Citizens' Bank & Trust Co. lent most frequently to those with DTI ratios of Exempt%, with 121 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications95.04%
Citizens' Bank & Trust Co. has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination89.26%
Citizens' Bank & Trust Co. has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 121 | $22,065,000 | $182,355 |