Citizens' Bank & Trust Co. Mortgage Rates, Fees & Info
Van Buren, ARLEI: 549300EY247F6R5IHX75
Tax ID: 71-0031350
Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
Citizens' Bank & Trust Co. is a smaller bank specializing in Home Purchase 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 two markets are Fort Smith and Fayetteville .Citizens' Bank & Trust Co. has an above average approval rate when compared to the average across all lenders. They have an above average pick rate when compared to similar lenders.
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Originations
100Origination Dollar Volume (All Markets)
$15,790,000Top 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) | 97 | $15,045,000 | $155,103 | $0 | 0.00% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $0 | 0.00% |
| Outside of Metro Areas | 1 | $325,000 | $325,000 | $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.
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Product Mix
For 2024, Citizens' Bank & Trust Co.'s most frequently originated type of loan was Conventional, with 90 originations. Their 2nd most popular type was FHA, with 5 originations.
Loan Reason
For 2024, Citizens' Bank & Trust Co.'s most frequently cited loan purpose was Home Purchase, with 58 originations. The 2nd most popular reason was Refi, with 31 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 100 | $15,790,000 | $157,900 | $0 | 0.00% |
For 2024, Citizens' Bank & Trust Co.'s most frequently cited loan duration was Other, with 100 originations.
Loan Sizing
2024 saw Citizens' Bank & Trust Co. place emphasis on $100k-200k loans with 37 originations, totaling $5,215,000 in origination value.
Applicant Income
Citizens' Bank & Trust Co. lent most frequently to those with incomes in the $100k-150k range, with 19 originations. The second most popular income band? $150k-250k, with 18 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 100 | $15,790,000 | $157,900 | $0 | 0.00% |
Citizens' Bank & Trust Co. lent most frequently to those with DTI ratios of Exempt%, with 100 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications95.37%
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 origination97.00%
Citizens' Bank & Trust Co. has an exceptionally high pick rate. They most likely have borrower friendly terms or other characteristics like being fast to close or are easy to work with.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 100 | $15,790,000 | $157,900 |