Citizens Bank & Trust Company Mortgage Lending & HMDA Data, 2008
In 2008, Citizens Bank & Trust Company of Baton Rouge, LA reported 181 mortgage applications totaling $24.6 million, up 30% from 2007. The average application was for $135,740, and applicants reported an average income of $84,182. 83% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Baton Rouge, LA (168), Lafayette, LA (2) and Fort Walton Beach-Crestview-Destin, FL (1) (applications in parentheses).
| Mortgage Company & Address | Citizens Bank & Trust Company 2925 S. Sherwood Forest Blvd Baton Rouge, LA 70816 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 181 |
| Total Mortgage Loan Application Amount | $24,569,000 |
| Average Mortgage Loan Application Amount | $135,740 |
| Highest Mortgage Loan Application Amount | $2,125,000 |
| Average Applicant Income | $84,182 |
| Highest Applicant Income | $4,188,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Citizens Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| East Baton Rouge, Louisiana | 76 | $ 17,497,000 | $ 230,223 | $ 115,000 |
| Iberville, Louisiana | 76 | $ 4,531,000 | $ 59,618 | $ 51,000 |
| West Baton Rouge, Louisiana | 12 | $ 922,000 | $ 76,833 | $ 67,000 |
| Ascension, Louisiana | 2 | $ 367,000 | $ 183,500 | $ 279,000 |
| Lafayette, Louisiana | 2 | $ 193,000 | $ 96,500 | $ 39,000 |
| Livingston, Louisiana | 2 | $ 154,000 | $ 77,000 | $ 80,000 |
| Baldwin, Alabama | 1 | $ 400,000 | $ 400,000 | $ 640,000 |
| Okaloosa, Florida | 1 | $ 254,000 | $ 254,000 | $ 0 |
Mortgage Loan Application Detail Totals for Citizens Bank & Trust Company in 2008
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 65 | $9,885,000 | $152,000 | $780,000 | $55,000 | $640,000 |
| Refinancing | 63 | $10,997,000 | $174,000 | $2,125,000 | $138,000 | $4,188,000 |
| Home Improvement | 53 | $3,687,000 | $69,000 | $428,000 | $56,000 | $215,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 105 | $11,356,000 | $108,000 | $723,000 | $124,000 | $4,188,000 |
| Black or African American | 36 | $2,051,000 | $56,000 | $465,000 | $57,000 | $540,000 |
| Not applicable | 35 | $9,965,000 | $284,000 | $2,125,000 | $0 | $0 |
| Hispanic | 4 | $1,049,000 | $262,000 | $725,000 | $55,000 | $85,000 |
| Asian | 1 | $148,000 | $148,000 | $148,000 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 181 | $24,569,000 | $135,000 | $2,125,000 | $84,000 | $4,188,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 150 | $22,455,000 | $149,000 | $2,125,000 | $93,000 | $4,188,000 |
| Application Denied By Financial Institution | 26 | $1,823,000 | $70,000 | $338,000 | $44,000 | $100,000 |
| Application Withdrawn By Applicant | 3 | $197,000 | $65,000 | $100,000 | $57,000 | $117,000 |
| Application Approved But Not Accepted | 2 | $94,000 | $47,000 | $92,000 | $21,000 | $42,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Citizens Bank & Trust Company's 2008 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Citizens Bank & Trust Company's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Louisiana, download the full spreadsheet
with aggregated HMDA statistics today.
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