Applications / Mortgage Analytics / Lenders / Alabama / First Citizens Bank / Competition
First Citizens Bank
Luverne, AL · State non-member bank · FDIC · $400 million assets · 103 loans in 2025
First Citizens Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
103
loans originated, 2025
105
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Who First Citizens Bank competes with, by dollars lent in 2025, in its five largest markets and the three it entered most recently. A Pareto chart puts the lenders in order of size and draws their running share, so the reader sees how concentrated each market is: where the line climbs steeply, a few lenders hold most of it.
FIG. 1 — NON-METRO ALABAMA, 2025
First Citizens Bank ranks 93rd of 523 lenders in non-metro Alabama, with $10.3M lent: 0.3% of a $3.92B market.
non-metro Alabama is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and First Citizens Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 29% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 2 — MONTGOMERY, AL, 2025
First Citizens Bank ranks 122nd of 331 lenders in Montgomery, AL, with $1.5M lent: 0.1% of a $1.87B market.
Montgomery, AL is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and First Citizens Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 46% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 3 — CRESTVIEW-FORT WALTON BEACH-DESTIN, FL, 2025
First Citizens Bank ranks 397th of 606 lenders in Crestview-Fort Walton Beach-Destin, FL, with $705K lent: 0.0% of a $4.40B market.
Crestview-Fort Walton Beach-Destin, FL is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and First Citizens Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 29% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 4 — DAPHNE-FAIRHOPE-FOLEY, AL, 2025
First Citizens Bank ranks 432nd of 485 lenders in Daphne-Fairhope-Foley, AL, with $235K lent: 0.0% of a $2.98B market.
Daphne-Fairhope-Foley, AL is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and First Citizens Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 32% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 5 — NON-METRO FLORIDA, 2025
First Citizens Bank ranks 513th of 564 lenders in non-metro Florida, with $215K lent: 0.0% of a $3.36B market.
non-metro Florida is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and First Citizens Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 33% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 6 — AUBURN-OPELIKA, AL, 2025
First Citizens Bank ranks 299th of 305 lenders in Auburn-Opelika, AL, with $65K lent: 0.0% of a $1.58B market.
Auburn-Opelika, AL is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and First Citizens Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 41% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
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First 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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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.
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