Applications / Mortgage Analytics / Lenders / Georgia / Citizens Bank & Trust
Trenton, GA · Savings institution · OCC · $130 million assets · 126 loans in 2025
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126
loans originated, 2025
132
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Citizens Bank & Trust, a small Georgia savings institution, makes very small loans, mostly refinances, and lends heavily on manufactured homes; its 126 loans in 2025 were 12% more than in 2024.
Its typical loan was $65,000, against $245,000 at similar lenders (savings institutions making between half and twice as many loans), among the lowest of them. Refinances made up 70.6% of its loans and purchases 18.3%. It lent $13.5 million, the same as in 2024 and among the lowest tenth of its peers.
Manufactured homes were 19.8% of its loans; at similar lenders the typical share was 0.0%. That, with the refinance mix, may account for much of its small loan size. All its loans were conventional, and none was jumbo.
Low- and moderate-income (LMI) borrowers took 42.3% of its loans, against 24.7% at similar lenders, a higher share than at about nine in ten. Its share in LMI neighborhoods, 15.9%, was near the middle. Majority-minority areas took 0.8%, against 5.6% at peers, which may reflect the eight counties it serves.
In Chattanooga, GA-TN, its largest market, where it has lent since at least 1990, it ranked 96 of 525 lenders with 0.2% of lending, unchanged. Its loans rose 12%, against 6% at similar lenders and 10% for the whole market.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 took 132 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 70.6% · Purchase 18.3% · Other 6.3% · Home improvement 4.0% · Not applicable 0.8%
Conventional 100.0% · of 126 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 |
|---|---|---|
| Georgia | 60 | 47.6% |
| Alabama | 57 | 45.2% |
| Tennessee | 9 | 7.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Chattanooga | 67 |
| Cleveland | 1 |
| Dalton | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900XASC5S67PMPM58 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 1163283 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 327153 | 1990–1995 |
| Respondent ID (the HMDA filer code before 2018) | 413138 | 1996–2010 |
| Respondent ID (the HMDA filer code before 2018) | 1713138 | 2011–2017 |
Established 18 January 1988. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Citizens Bank & Trust's data.
Citizens Bank & Trust's data
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Citizens Bank & Trust 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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