Applications / Mortgage Analytics / Lenders / Florida / Citizens First Bank / Competition
Citizens First Bank
The Villages, FL · State non-member bank · FDIC · $4.1 billion assets · 2,267 loans in 2025
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2,267
loans originated, 2025
2,933
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Who Citizens First Bank competes with, by dollars lent in 2025, in its five largest markets and the three it entered most recently. A Pareto chart puts the lenders in order of size and draws their running share, so the reader sees how concentrated each market is: where the line climbs steeply, a few lenders hold most of it.
FIG. 1 — WILDWOOD-THE VILLAGES, FL, 2025
Citizens First Bank ranks 1st of 451 lenders in Wildwood-The Villages, FL, with $557.7M lent: 33.2% of a $1.68B market.
Wildwood-The Villages, FL is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Citizens First Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 59% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 2 — ORLANDO-KISSIMMEE-SANFORD, FL, 2025
Citizens First Bank ranks 88th of 854 lenders in Orlando-Kissimmee-Sanford, FL, with $50.9M lent: 0.2% of a $22.49B market.
Orlando-Kissimmee-Sanford, FL is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Citizens First Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 36% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 3 — OCALA, FL, 2025
Citizens First Bank ranks 42nd of 536 lenders in Ocala, FL, with $14.4M lent: 0.5% of a $2.98B market.
Ocala, FL is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Citizens First Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 38% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 4 — PORT ST. LUCIE, FL, 2025
Citizens First Bank ranks 169th of 559 lenders in Port St. Lucie, FL, with $3.0M lent: 0.1% of a $4.88B market.
Port St. Lucie, FL is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Citizens First Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 39% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 5 — HOMOSASSA SPRINGS, FL, 2025
Citizens First Bank ranks 76th of 377 lenders in Homosassa Springs, FL, with $2.9M lent: 0.3% of a $1.14B market.
Homosassa Springs, FL is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Citizens First Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 41% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 6 — LAKELAND-WINTER HAVEN, FL, 2025
Citizens First Bank ranks 526th of 560 lenders in Lakeland-Winter Haven, FL, with $155K lent: 0.0% of a $5.51B market.
Lakeland-Winter Haven, FL is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Citizens First Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 40% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
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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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