Applications / Mortgage Analytics / Lenders / Florida / Citizens Bank and Trust
Frostproof, FL · State non-member bank · FDIC · $1.4 billion assets · 167 loans in 2025
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167
loans originated, 2025
234
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Citizens Bank and Trust, a Frostproof, Florida bank, makes manufactured-home loans and jumbo loans at many times the rate of similar banks.
Manufactured homes took 28.1% of its loans, against 2.7% at similar lenders (state non-member banks making between half and twice as many loans), more than at nine in ten of them. Jumbo loans (larger than the conforming limit) took 8.6%, against 1.4%, among the highest tenth.
Its loans rose 8% in number, near the middle of similar lenders. But its typical loan rose from $105,000 to $175,000, and its lending from $35.4 million to $57.8 million, more than at about three in four peers.
In Lakeland-Winter Haven, FL, where it has lent since at least 1990, its share rose from 0.5% to 0.7%. That ranked it 36 of 560 lenders. United Wholesale Mortgage leads the market.
Low- and moderate-income (LMI) neighborhoods took 24.1% of its loans, against 17.2% at similar lenders, and majority-minority neighborhoods 15.1%, against 5.4%. LMI borrowers took 23.2%, a little below peers' 27.9%. That may reflect its jumbo lending to higher-income borrowers.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 and Trust took 234 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 60.5% · Refinance 22.2% · Other 12.6% · Home improvement 4.8%
Conventional 100.0% · of 167 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 | 163 | 97.6% |
| California | 1 | 0.6% |
| Georgia | 1 | 0.6% |
| Kansas | 1 | 0.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Lakeland-Winter Haven | 137 |
| Tampa | 11 |
| Orlando-Kissimmee-Sanford | 5 |
| North Port-Bradenton-Sarasota | 2 |
| Punta Gorda | 2 |
| Cape Coral-Fort Myers | 1 |
| Gainesville | 1 |
| Jacksonville | 1 |
| Manhattan | 1 |
| Salinas | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300IRRKG7NTX2YD83 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 701839 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 35673 | 1990–2017 |
Established 13 May 1920. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Citizens Bank and Trust's data.
Citizens Bank and Trust's data
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Citizens Bank and 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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