Applications / Mortgage Analytics / Lenders / Florida / Citizens First Bank
The Villages, FL · State non-member bank · FDIC · $4.1 billion assets · 2,267 loans in 2025
Citizens First Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
2,267
loans originated, 2025
2,933
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Citizens First Bank is a home-purchase lender concentrated in Wildwood-The Villages, where it ranks 1 of 451 lenders with a 33.2% share, though its originations grew only 1% in 2025.
Similar lenders are state non-member banks making between half and twice as many loans. Purchases were 83.2% of its loans, every loan was conventional against 94.4% at similar lenders, and it lent in six counties of one state. Its typical loan was $255,000 against $205,000, yet jumbo loans (larger than the conforming limit) were only 0.2% against 2.5%.
It has lent in Wildwood-The Villages since 1996; its share there fell to 33.2% from 35.3%, with United Wholesale Mortgage second. Its originations rose 1% against 13% for similar lenders and 10% for the whole market, while its dollars rose to $629.0 million from $593.8 million, so the lower share there could reflect a market growing faster around it.
LMI (low- and moderate-income) borrowers took 15.0% of its loans against 28.3%, among the lowest tenth of similar lenders, and 0.3% were in majority-minority areas against 10.0%. With its lending concentrated in six Florida counties and most of it in Wildwood-The Villages, these figures could reflect the make-up of that market. Purchase applications were turned down at 1.2% against 6.6%, lower than nearly all similar lenders.
Questions the data can answer next
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 First Bank took 2,933 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 83.2% · Other 6.0% · Home improvement 5.9% · Refinance 4.9%
Conventional 100.0% · of 2,267 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 |
|---|---|---|
| Florida | 2,267 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Wildwood-The Villages | 1,983 |
| Orlando-Kissimmee-Sanford | 190 |
| Ocala | 84 |
| Homosassa Springs | 8 |
| Lakeland-Winter Haven | 1 |
| Port St. Lucie | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300IQVXIW1VTW0D69 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 1867983 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 333440 | 1994–2017 |
Established 1 July 1991. Reported under HMDA 1994-2025.
Mergers, name changes, data editions and corrections: Citizens First Bank's data.
Citizens First Bank's data
$215
Citizens First Bank 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.
Buy Citizens First Bank's data, $215Jenner Mortgage Analytics: all the data
$2,110
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.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]