Applications / Mortgage Analytics / Lenders / Alabama / The Citizens Bank
Enterprise, AL · State non-member bank · FDIC · $242 million assets · 34 loans in 2025
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34
loans originated, 2025
37
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The Citizens Bank, a small lender based in Enterprise, Alabama, made 34 home loans in 2025, up from 27, and its largest market is on the coast at Daphne-Fairhope-Foley.
Its loans rose 26% to 34, against 1% for similar lenders (state non-member banks making between half and twice as many loans) and 10% for the whole market. Their typical count is 45. The bank filed no HMDA report for 2020 through 2022; since 2020 a bank making fewer than 100 closed-end loans a year need not report, so those years are gaps, not years without lending. It made 57 loans in 2018.
Its typical loan, $235,000, is larger than at about seven in ten similar lenders, whose typical loan is $165,000. Home purchases make up 64.7% of its lending and refinances 29.4%. With 34 loans, a few large ones can move these figures, so they are worth reading with care.
It ranks 99 of 485 lenders in Daphne-Fairhope-Foley, AL, with 0.2% of lending, up from 0.1%; DHI Mortgage Company leads there. It has lent in Mobile, AL since 2019 and also reaches into the Florida Panhandle. Its share in each market is too small to read much into.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 took 37 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 64.7% · Refinance 29.4% · Home improvement 5.9%
Conventional 100.0% · of 34 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 | 31 | 91.2% |
| Florida | 2 | 5.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Daphne-Fairhope-Foley | 8 |
| Mobile | 5 |
| Birmingham | 1 |
| Dothan | 1 |
| Montgomery | 1 |
| Panama City-Panama City Beach | 1 |
| Pensacola-Ferry Pass-Brent | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300V4UDO1FVIAXD70 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 374130 | 2017–2023 |
| Respondent ID (the HMDA filer code before 2018) | 316369 | 2017–2017 |
Established 5 February 1946. Reported under HMDA 2017-2025.
Mergers, name changes, data editions and corrections: The Citizens Bank's data.
The Citizens Bank's data
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The 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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