Applications / Mortgage Analytics / Lenders / Mississippi / The Citizens Bank of Philadelphia, Mississippi
Philadelphia, MS · State non-member bank · FDIC · $1.5 billion assets · 328 loans in 2025
The Citizens Bank of Philadelphia, Mississippi's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
328
loans originated, 2025
435
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The Citizens Bank of Philadelphia, Mississippi, is mainly a refinance lender of small loans, and over a quarter of its loans go to majority-minority neighborhoods.
Refinances make up 55.8% of its lending and purchases only 31.7%. Its typical loan is $105,000, against $175,000 at similar lenders (state non-member banks making between half and twice as many loans), smaller than at about nine in ten of them. It lends across 39 counties in five states.
Of its loans, 27.4% went to majority-minority tracts, against 6.6% at similar lenders, more than at nearly nine in ten. The share was 28.3% five years before, so this is long-standing. Its share of loans to low- and moderate-income borrowers rose to 22.0% from 14.2%. That is still below peers' 28.2%, which may reflect the incomes in the places it lends or a book weighted toward refinancing existing owners.
It turned down 5.0% of decided first-lien refinance applications on owner-occupied homes, against 11.7% at similar lenders that report a rate. That is lower than at about two-thirds of them.
Its loans rose 5% to 328, against 9% for similar lenders and 10% for the whole market. Its largest market is non-metro Mississippi, where it ranks 22 of 438 lenders. Its share in Hattiesburg, MS rose to 0.3% from 0.1%, and in Mobile, AL to 0.2%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. The Citizens Bank of Philadelphia, Mississippi took 435 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 55.8% · Purchase 31.7% · Other 6.7% · Home improvement 5.8%
Conventional 100.0% · of 328 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 |
|---|---|---|
| Mississippi | 322 | 98.2% |
| Alabama | 3 | 0.9% |
| Colorado | 1 | 0.3% |
| Louisiana | 1 | 0.3% |
| Montana | 1 | 0.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Gulfport-Biloxi | 50 |
| Jackson | 13 |
| Hattiesburg | 9 |
| Daphne-Fairhope-Foley | 2 |
| Mobile | 1 |
| New Orleans-Metairie | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300J1JK4OE41PLT95 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 29636 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 312204 | 2009–2017 |
Established 1 January 1908. Reported under HMDA 2009-2025.
Mergers, name changes, data editions and corrections: The Citizens Bank of Philadelphia, Mississippi's data.
The Citizens Bank of Philadelphia, Mississippi's data
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The Citizens Bank of Philadelphia, Mississippi 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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