Citizens Bank & Trust Company Mortgage Lending & HMDA Data, 2018
In 2018, Citizens Bank & Trust Company of Baton Rouge, LA reported 111 mortgage applications totaling $18.2 million, down 25% from 2017. The average application was for $163,828, and applicants reported an average income of $152,954. 86% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Baton Rouge, LA (108), Daphne-Fairhope-Foley, AL (1) and Lafayette, LA (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 | 111 |
| Total Mortgage Loan Application Amount | $18,185,000 |
| Average Mortgage Loan Application Amount | $163,828 |
| Highest Mortgage Loan Application Amount | $1,135,000 |
| Average Applicant Income | $152,954 |
| Highest Applicant Income | $612,000 |
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records Citizens Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 55 | $ 10,645,000 | $ 193,545 | $ 214,000 |
| Iberville, Louisiana | 30 | $ 2,800,000 | $ 93,333 | $ 97,000 |
| Livingston, Louisiana | 10 | $ 1,790,000 | $ 179,000 | $ 102,000 |
| Ascension, Louisiana | 6 | $ 1,280,000 | $ 213,333 | $ 234,000 |
| West Baton Rouge, Louisiana | 4 | $ 570,000 | $ 142,500 | $ 109,000 |
| Pointe Coupee, Louisiana | 2 | $ 450,000 | $ 225,000 | $ 167,000 |
| Baldwin, Alabama | 1 | $ 335,000 | $ 335,000 | $ 0 |
| East Feliciana, Louisiana | 1 | $ 45,000 | $ 45,000 | $ 82,000 |
| Jefferson Davis, Louisiana | 1 | $ 145,000 | $ 145,000 | $ 245,000 |
| St. Martin, Louisiana | 1 | $ 125,000 | $ 125,000 | $ 103,000 |
Mortgage Loan Application Detail Totals for Citizens Bank & Trust Company in 2018
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 | 58 | $11,360,000 | $195,000 | $815,000 | $182,000 | $612,000 |
| Refinancing | 22 | $3,520,000 | $160,000 | $1,135,000 | $142,000 | $401,000 |
| Cash-out Refinancing | 14 | $2,210,000 | $157,000 | $585,000 | $106,000 | $182,000 |
| Other Purpose | 12 | $770,000 | $64,000 | $185,000 | $102,000 | $245,000 |
| Home Improvement | 5 | $325,000 | $65,000 | $105,000 | $118,000 | $166,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 61 | $9,145,000 | $149,000 | $1,135,000 | $151,000 | $612,000 |
| Not applicable | 40 | $7,960,000 | $199,000 | $815,000 | $0 | $0 |
| Black or African American | 8 | $810,000 | $101,000 | $355,000 | $144,000 | $319,000 |
| Hispanic | 1 | $165,000 | $165,000 | $165,000 | $43,000 | $43,000 |
| Asian | 1 | $105,000 | $105,000 | $105,000 | $33,000 | $33,000 |
| 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) | 111 | $18,185,000 | $163,000 | $1,135,000 | $146,000 | $612,000 |
| 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 | 96 | $15,510,000 | $161,000 | $1,135,000 | $147,000 | $612,000 |
| Application Denied By Financial Institution | 7 | $1,545,000 | $220,000 | $805,000 | $70,000 | $94,000 |
| Application Withdrawn By Applicant | 5 | $935,000 | $187,000 | $415,000 | $241,000 | $319,000 |
| Application Approved But Not Accepted | 3 | $195,000 | $65,000 | $75,000 | $134,000 | $214,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 111 | $18,185,000 | $163,000 | $1,135,000 | $146,000 | $612,000 |
| 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 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Citizens Bank & Trust Company's 2018 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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