Applications / Mortgage Analytics / Lenders / Alabama / Citizens Bank & Trust
Guntersville, AL · State non-member bank · FDIC · $1.1 billion assets · 109 loans in 2025
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109
loans originated, 2025
146
applications, 2025
6
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Citizens Bank & Trust, an Alabama bank, raised its loan count by 43% in 2025 and now lends in 6 states and 12 metros.
It made 109 loans, against 76 in 2024. Similar lenders, state non-member banks making between half and twice as many loans, grew 9%, and the whole market 10%. Its rise was higher than at nearly nine in ten of them. It is still below the 161 loans it made in 2020 and the 172 of 2021.
Its largest markets are non-metro Alabama, where it has lent since 2005 and United Wholesale Mortgage leads, and non-metro Colorado, where it has lent since 2018. It entered Phoenix-Mesa-Chandler and Nashville in 2025 and has lent in Chattanooga since 2021.
Home purchases took 56.0% of its loans and refinances 37.6%, and all were conventional. Its typical loan was $195,000, against $175,000 at similar lenders, near the middle.
Low- and moderate-income (LMI) borrowers took 14.8% of its loans, against 27.7% at peers, fewer than at more than four in five similar lenders. Its lending outside Alabama, in markets where borrowers may earn more, is one possible reason. LMI neighborhoods took 16.7%, near the middle.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 146 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 56.0% · Refinance 37.6% · Home improvement 3.7% · Other 2.8%
Conventional 100.0% · of 109 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 |
|---|---|---|
| Alabama | 100 | 91.7% |
| Tennessee | 3 | 2.8% |
| Arizona | 2 | 1.8% |
| Colorado | 2 | 1.8% |
| Florida | 1 | 0.9% |
| Georgia | 1 | 0.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Huntsville | 11 |
| Birmingham | 4 |
| Decatur | 4 |
| Anniston-Oxford | 3 |
| Chattanooga | 2 |
| Phoenix-Mesa-Chandler | 2 |
| Tuscaloosa | 2 |
| Auburn-Opelika | 1 |
| Daphne-Fairhope-Foley | 1 |
| Florence-Muscle Shoals | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493005GHHD2LL3US857 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3174920 | 2005–2023 |
| Respondent ID (the HMDA filer code before 2018) | 357483 | 2005–2017 |
Established 3 March 2003. Reported under HMDA 2005-2025.
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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