Citizens Bank & Trust Company of Vivian, Louisiana at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the A grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
97th0.3% deniedProcesswithdrawn + incomplete share, weight 15%
82nd4.0%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 258 | 247 | 2.7% | 2.8% | — | $50M |
| 2024 | 308 | 295 | 0.3% | 0.3% | 8.88% | $60M |
| 2025 | 322 | 308 | 0.3% | 0.3% | — | $63M |
What Citizens Bank & Trust Company of Vivian, Louisiana lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 54 manufactured homes, 40 investment properties.
Who gets approved at Citizens Bank & Trust Company of Vivian, Louisiana
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 39 | 37 | 0.0% |
| $50k – $100k | 127 | 122 | 0.0% |
| $100k – $150k | 68 | 66 | 0.0% |
| $150k – $250k | 39 | 38 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 40 | 36 | 0.0% |
| 25–34 | 78 | 75 | 0.0% |
| 35–44 | 76 | 74 | 0.0% |
| 45–54 | 46 | 44 | 0.0% |
| 55–64 | 23 | 23 | 0.0% |
| 65–74 | 25 | 23 | 0.0% |
Where Citizens Bank & Trust Company of Vivian, Louisiana lends
7 states and 29 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Citizens Bank & Trust Company of Vivian, Louisiana denied 0.3% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 97th percentile of small mortgage lenders.
In 2025, 79% of its applications were for home purchases, 17% for refinancing (including cash-out), and 4% for home improvement or other purposes. By loan type: 52% conventional, 29% FHA, 13% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.