Applications / Mortgage Analytics / Lenders / Georgia / Citizens Community Bank
Hahira, GA · State non-member bank · FDIC · $210 million assets · 65 loans in 2025
Citizens Community Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
65
loans originated, 2025
75
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Citizens Community Bank ranks 21 of 238 lenders in Valdosta, and nearly a third of its loans are in majority-minority neighborhoods, far more than at similar banks.
Majority-minority neighborhoods took 32.3% of its loans, against 6.6% at similar lenders, state non-member banks making between half and twice as many loans. That is higher than at more than four in five of them. The same share, 32.3%, went to low- and moderate-income (LMI) neighborhoods, against 18.6%.
Its loan count fell 22%, from 83 to 65, while similar lenders typically grew 9%; its change was lower than at nine in ten of them. It has made between 65 and 83 loans a year since 2023, so one year's change says little at this size.
In Valdosta, where it has lent since 2004, its share fell from 1.6% to 1.2%. Its smaller loan count may account for most of that.
Manufactured homes took 12.3% of its loans, against 2.6% at similar lenders. Its typical loan rose to $135,000, from $75,000 a year earlier and $55,000 in 2020. That is still below the $175,000 typical of its peers.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Community Bank took 75 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 53.8% · Refinance 35.4% · Home improvement 10.8%
Conventional 100.0% · of 65 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 | 63 | 96.9% |
| Florida | 2 | 3.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Valdosta | 54 |
| Athens-Clarke County | 1 |
| Tampa | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 25490053QEQO83AZIX15 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 564838 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 312079 | 2004–2017 |
Established 21 February 1927. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: Citizens Community Bank's data.
Citizens Community Bank's data
$215
Citizens Community 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.
Buy Citizens Community Bank's data, $215Jenner Mortgage Analytics: all the data
$2,110
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.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]