A fixture in Florence
It has lent in Florence, SC since 1990 and holds 2.2% of lending there; Rocket Mortgage leads the market. Non-metro South Carolina is its largest market. In Sumter, SC its share rose to 0.6% from 0.1%.
Applications / Mortgage Analytics / Lenders / South Carolina / The Citizens Bank
The Citizens Bank
Olanta, SC · State non-member bank · FDIC · $1.1 billion assets · 185 loans in 2025
The Citizens Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
185
loans originated, 2025
208
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The Citizens Bank, of Olanta, South Carolina, is a leading local lender around Florence, ranking 9 of 256 lenders there, though it made fewer loans in 2025.
Fewer but larger loans
Its loans fell 10% to 185, while similar lenders (state non-member banks making between half and twice as many loans) grew by 10%, as did the whole market. Only about one in seven of them grew more slowly. Yet its dollar volume rose to $61.7 million from $58.7 million, as its typical loan rose to $205,000 from $190,000.
Manufactured homes and minority neighborhoods
Manufactured homes make up 15.7% of its loans, against 2.8% at similar lenders, more than at seven in eight of them. Its share of loans in majority-minority tracts, 22.2%, is well above peers' 6.4% and higher than at nearly four in five. Home purchases make up 66.5% of its lending.
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
185 loans in 2025, against a peak of 277 in 2019.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. The Citizens Bank took 208 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
66.5% of its 2025 loans were purchase loans; all were conventional loans.
Purchase 66.5% · Refinance 24.9% · Home improvement 8.1% · Other 0.5%
Conventional 100.0% · of 185 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
2 states, 6 metros, 19 counties
| State | Loans | Share |
|---|---|---|
| South Carolina | 184 | 99.5% |
| North Carolina | 1 | 0.5% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Florence | 68 |
| Myrtle Beach-Conway-North Myrtle Beach | 14 |
| Charleston-North Charleston | 12 |
| Columbia | 12 |
| Sumter | 10 |
| Wilmington | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300M723MK3TTJ2783 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 898627 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 315932 | 1990–2017 |
Established 24 September 1938. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: The Citizens Bank's data.
The data and the software behind these pages
The Citizens Bank's data
$215
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.
Buy The Citizens 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]