Citizens Bank & Trust Company Of Vivian Louisiana Mortgage Rates, Fees & Info
Vivian, LALEI: 549300B8JQ9XD5FQQH32
Tax ID: 72-0643580
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Mortgage Data
Review & Overview
Citizens Bank & Trust Company Of Vivian Louisiana is a smaller bank specializing in Home Purchase loans. Citizens Bank & Trust Company Of Vivian Louisiana 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: Shreveport, Minden, Dallas, Texarkana, and Longview among others. We have data for 9 markets. (Some data included below & more in-depth data is available with an active subscription.)Citizens Bank & Trust Company Of Vivian Louisiana 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
247Origination Dollar Volume (All Markets)
$49,755,000Top 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 |
|---|---|---|---|---|---|
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 211 | $43,275,000 | $205,095 | $0 | 0.00% |
| Minden, LA (FHA|USDA|VA) | 20 | $3,810,000 | $190,500 | $0 | 0.00% |
| Outside of Metro Areas | 10 | $1,160,000 | $116,000 | $0 | 0.00% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $0 | 0.00% |
| TEXARKANA, TX-AR (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $0 | 0.00% |
| LONGVIEW, TX (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $0 | 0.00% |
| DeRidder, LA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $0 | 0.00% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $0 | 0.00% |
| ALEXANDRIA, LA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 0.00% |
Product Mix
For 2023, Citizens Bank & Trust Company Of Vivian Louisiana's most frequently originated type of loan was Conventional, with 134 originations. Their 2nd most popular type was FHA, with 64 originations.
Loan Reason
For 2023, Citizens Bank & Trust Company Of Vivian Louisiana's most frequently cited loan purpose was Home Purchase, with 205 originations. The 2nd most popular reason was Refi, with 30 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 247 | $49,755,000 | $201,437 | $0 | 0.00% |
For 2023, Citizens Bank & Trust Company Of Vivian Louisiana's most frequently cited loan duration was Other, with 247 originations.
Loan Sizing
2023 saw Citizens Bank & Trust Company Of Vivian Louisiana place emphasis on $200k-400k loans with 88 originations, totaling $24,680,000 in origination value.
Applicant Income
Citizens Bank & Trust Company Of Vivian Louisiana lent most frequently to those with incomes in the $50k-75k range, with 54 originations. The second most popular income band? $100k-150k, with 51 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 247 | $49,755,000 | $201,437 | $0 | 0.00% |
Citizens Bank & Trust Company Of Vivian Louisiana lent most frequently to those with DTI ratios of Exempt%, with 247 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications97.29%
Citizens Bank & Trust Company Of Vivian Louisiana has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination98.38%
Citizens Bank & Trust Company Of Vivian Louisiana 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 | 247 | $49,755,000 | $201,437 |