Applications / Mortgage Analytics / Lenders / Georgia / The Citizens Bank of Georgia
Cumming, GA · State non-member bank · FDIC · $617 million assets · 60 loans in 2025
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60
loans originated, 2025
63
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The Citizens Bank of Georgia is mainly a refinance lender, and a sixth of its loans are on manufactured homes, far more than at similar banks.
Refinancing made up 71.7% of its loans in 2025 and home purchases only 26.7%. Its loans rose from 53 to 60, or 13%, a little faster than similar lenders (state non-member banks making between half and twice as many loans), whose loans rose 8%. The bank filed no report for 2020 to 2022; those are gaps in the record, not years without lending.
Loans on manufactured homes made up 16.7% of its lending, against 2.6% at similar lenders. That is a higher share than at about nine in ten of them, and it makes the bank something of a specialist in a corner of the market many small banks leave alone. Every loan was conventional; none was backed by a government agency.
Some 48.7% of its loans went to low- and moderate-income borrowers, up from 26.5% in 2024. Similar lenders' typical share was 26.9%, and the bank's is higher than at about nineteen in twenty of them. With 60 loans, a handful of borrowers moves the figure a long way, so one year's jump is worth watching rather than reading as a new direction. The bank was founded in 1997 as The Citizens Bank of Forsyth County and took its present name in 2018.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. The Citizens Bank of Georgia took 63 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 71.7% · Purchase 26.7% · Home improvement 1.7%
Conventional 100.0% · of 60 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 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Atlanta-Sandy Springs-Roswell | 46 |
| Marietta | 9 |
| Gainesville | 4 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900LWBQAKENOJRT60 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 2505451 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 334229 | 1998–2017 |
Established 3 February 1997. Reported under HMDA 1998-2025.
Mergers, name changes, data editions and corrections: The Citizens Bank of Georgia's data.
The Citizens Bank of Georgia's data
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The Citizens Bank of Georgia 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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