Applications / Mortgage Analytics / Lenders / Louisiana / Citizens Bank & Trust Company of Vivian, Louisiana
Vivian, LA · State non-member bank · FDIC · $159 million assets · 308 loans in 2025
Citizens Bank & Trust Company of Vivian, Louisiana's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
308
loans originated, 2025
322
applications, 2025
7
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Citizens Bank & Trust Company of Vivian, Louisiana makes almost half its loans with government backing, which the typical similar bank does not offer, and ranks 5 of 255 lenders in Shreveport-Bossier City.
FHA loans (insured by the Federal Housing Administration) made up 29.5% of its lending, VA loans (guaranteed by the Department of Veterans Affairs) 13.0% and RHS loans (guaranteed by the Department of Agriculture's Rural Housing Service) 6.2%. The typical similar lender (a state non-member bank making between half and twice as many loans) made only conventional loans. Home purchases were 79.5% of its business.
Manufactured homes were 16.6% of its loans, against 2.6% at similar lenders, more than at about nine in ten of them. It made no jumbo loans.
In Shreveport-Bossier City, LA, where it has lent since at least 1990, its share fell 0.6 points to 3.6%. United Wholesale Mortgage leads that market. The bank's loans rose 4%, against 9% at similar lenders and 10% in the whole market, and a lender that grows more slowly than its market can lose share even while it lends more.
Majority-minority areas took 14.6% of its loans, against 6.3% at similar lenders, more than at about seven in ten of them. Low- and moderate-income (LMI) neighborhoods took 19.5%, against 16.6%. LMI borrowers took 29.5%, up from 19.8% in 2024.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Citizens Bank & Trust Company of Vivian, Louisiana took 322 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 79.5% · Refinance 16.6% · Other 2.9% · Home improvement 1.0%
Conventional 51.3% · FHA 29.5% · VA 13.0% · USDA (RHS or FSA) 6.2% · of 308 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Louisiana | 291 | 94.5% |
| Texas | 11 | 3.6% |
| Mississippi | 2 | 0.6% |
| Arkansas | 1 | 0.3% |
| Florida | 1 | 0.3% |
| Georgia | 1 | 0.3% |
| Idaho | 1 | 0.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Shreveport-Bossier City | 255 |
| Monroe | 3 |
| Fort Worth-Arlington-Grapevine | 2 |
| Dallas-Plano-Irving | 1 |
| Fayetteville-Springdale-Rogers | 1 |
| Hattiesburg | 1 |
| Houma-Bayou Cane-Thibodaux | 1 |
| Marietta | 1 |
| Memphis | 1 |
| Pensacola-Ferry Pass-Brent | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300B8JQ9XD5FQQH32 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 767554 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 319744 | 1990–2017 |
Established 14 September 1967. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Citizens Bank & Trust Company of Vivian, Louisiana's data.
Citizens Bank & Trust Company of Vivian, Louisiana's data
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Citizens Bank & Trust Company of Vivian, Louisiana and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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