Citizens Bank of Lafayette 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 412 home-equity (HELOC) lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
100th0.5% deniedPricingmedian rate spread over APOR, weight 30%
33rd0.31 ptsProcesswithdrawn + incomplete share, weight 15%
99th0.5%Closing coststotal loan costs ÷ loan amount, weight 10%
88th1.21% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 902 | 829 | 2.9% | 3.0% | 8.40% | $137M |
| 2024 | 1,005 | 853 | 5.1% | 5.3% | 8.50% | $165M |
| 2025 | 630 | 615 | 0.5% | 0.5% | 7.50% | $111M |
What Citizens Bank of Lafayette 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: 455 home-equity lines, 0 reverse mortgages, 31 manufactured homes, 32 investment properties.
Why Citizens Bank of Lafayette denies applications
Primary reason reported for each of the 3 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Citizens Bank of Lafayette
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 107 | 102 | 1.0% |
| $50k – $100k | 195 | 189 | 0.5% |
| $100k – $150k | 134 | 130 | 0.8% |
| $150k – $250k | 107 | 107 | 0.0% |
| Over $250k | 54 | 54 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 83 | 77 | 1.2% |
| 35–44 | 116 | 116 | 0.0% |
| 45–54 | 142 | 140 | 0.0% |
| 55–64 | 142 | 140 | 0.0% |
| 65–74 | 99 | 97 | 2.0% |
| Over 74 | 31 | 29 | 0.0% |
Where Citizens Bank of Lafayette lends
4 states and 32 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Citizens Bank of Lafayette denied 0.5% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 100th percentile of home-equity (HELOC) lenders.
The most common reason Citizens Bank of Lafayette gave in 2025 was "credit history", cited on 66.7% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Citizens Bank of Lafayette originated in 2025 was 7.50%, and its median rate spread over the average prime offer rate was 0.31 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 17% of its applications were for home purchases, 33% for refinancing (including cash-out), and 51% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% 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.