Applications / Mortgage Analytics / Lenders / Mississippi / Citizens Bank
Columbia, MS · State non-member bank · FDIC · $470 million assets · 323 loans in 2025
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323
loans originated, 2025
368
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Citizens Bank, a Mississippi lender of small refinances, does far more of its lending in poorer and majority-minority neighborhoods than most banks its size.
Its typical loan was $65,000, against $175,000 at similar lenders (state non-member banks making between half and twice as many loans), the lowest among them. Refinances made up 61.3% of its loans and purchases 30.0%. Manufactured homes took 13.0%, against 2.3%, which may help explain the small size.
Majority-minority neighborhoods took 29.1% of its loans, against 6.7% at similar lenders, higher than at about nine in ten. Low- and moderate-income (LMI) neighborhoods took 26.8%, against 16.5%, higher than at more than four in five. Its share of loans to LMI borrowers, 28.4%, was near the middle.
It turned down 4.7% of first-lien refinance applications on owner-occupied homes, against 11.8% at the 19 similar lenders with a rate, lower than at about four in five of them.
In Hattiesburg, MS it ranked 16 of 177 lenders, with 1.9% of lending, up from 1.3%; Trustmark Bank leads. It ranked 35 of 438 in non-metro Mississippi. Its loan count rose 5%, against 9% at similar lenders, while its dollar total rose to $38.3 million from $27.1 million.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 took 368 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 61.3% · Purchase 30.0% · Other 5.6% · Home improvement 3.1%
Conventional 97.2% · FHA 2.2% · USDA (RHS or FSA) 0.6% · of 323 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 |
|---|---|---|
| Mississippi | 319 | 98.8% |
| Florida | 1 | 0.3% |
| Georgia | 1 | 0.3% |
| Louisiana | 1 | 0.3% |
| South Carolina | 1 | 0.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Hattiesburg | 72 |
| Gulfport-Biloxi | 3 |
| Columbia | 1 |
| Hammond | 1 |
| Orlando-Kissimmee-Sanford | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300V7I9AZRM78QT92 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 514132 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 3324 | 2002–2017 |
Established 15 July 1914. Reported under HMDA 2002-2025.
Mergers, name changes, data editions and corrections: Citizens Bank's data.
Citizens Bank's data
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Citizens 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.
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