Citizens Bank & Trust Company Of Vivian Louisiana Mortgage Rates, Fees & Info
Vivian, LALEI: 549300B8JQ9XD5FQQH32
Tax ID: 72-0643580
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 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 a a high proportion of FHA loans. Their top markets by origination volume include: Shreveport, Minden, Monroe, Longview, and Baton Rouge among others. We have data for 12 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
295Origination Dollar Volume (All Markets)
$59,685,000Top 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) | 247 | $50,835,000 | $205,810 | $0 | 9.03% |
| Minden, LA (FHA|USDA|VA) | 21 | $3,065,000 | $145,952 | $0 | 0.00% |
| Outside of Metro Areas | 12 | $1,830,000 | $152,500 | $0 | 8.00% |
| MONROE, LA (FHA|USDA|VA) | 4 | $930,000 | $232,500 | $0 | 0.00% |
| LONGVIEW, TX (FHA|USDA|VA) | 3 | $765,000 | $255,000 | $0 | 0.00% |
| BATON ROUGE, LA (FHA|USDA|VA) | 1 | $575,000 | $575,000 | $0 | 0.00% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $0 | 0.00% |
| Athens, TX (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $0 | 0.00% |
| Ruston, LA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $0 | 0.00% |
| KNOXVILLE, TN (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $0 | 0.00% |
| DOTHAN, AL (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $0 | 0.00% |
| Natchitoches, LA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 0.00% |
Product Mix
For 2024, Citizens Bank & Trust Company Of Vivian Louisiana's most frequently originated type of loan was Conventional, with 137 originations. Their 2nd most popular type was FHA, with 87 originations.
Loan Reason
For 2024, Citizens Bank & Trust Company Of Vivian Louisiana's most frequently cited loan purpose was Home Purchase, with 231 originations. The 2nd most popular reason was Refi, with 34 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 285 | $58,445,000 | $205,070 | $0 | 0.00% |
| 10 Year | 10 | $1,240,000 | $124,000 | $0 | 8.93% |
For 2024, Citizens Bank & Trust Company Of Vivian Louisiana's most frequently cited loan duration was Other, with 285 originations. The 2nd most popular length was 10 Year, with 10 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| Over 8% | 9 | $1,135,000 | $126,111 |
| 7-8% | 1 | $105,000 | $105,000 |
During 2024, Citizens Bank & Trust Company Of Vivian Louisiana's average interest rate for loans was 0.00%, while their most frequently originated rate bucket for loans was Over 8%, with 9 originations.
Loan Sizing
2024 saw Citizens Bank & Trust Company Of Vivian Louisiana place emphasis on $200k-400k loans with 112 originations, totaling $30,910,000 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 73 originations. The second most popular income band? $75k-100k, with 69 originations.
Applicant Debt to Income Ratio
Citizens Bank & Trust Company Of Vivian Louisiana lent most frequently to those with DTI ratios of Exempt%, with 285 originations. The next most common DTI ratio? 20-30%, with 1 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications99.68%
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 origination95.93%
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 | 285 | $58,445,000 | $205,070 |
| NA | 10 | $1,240,000 | $124,000 |