Applications / Mortgage Analytics / Lenders / Georgia / The Citizens National Bank of Quitman
Quitman, GA · National bank · OCC · $137 million assets · 33 loans in 2025
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33
loans originated, 2025
36
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The Citizens National Bank of Quitman, a small Georgia bank, makes small loans, about half of them in majority-minority neighborhoods.
It made 33 loans in 2025, down from 42, a fall of 21%, while similar lenders (national banks making between half and twice as many loans) made 2% fewer. With so few loans, a handful either way moves the figure a lot. Its typical loan, $85,000, is smaller than at about nine in ten of its peers, whose typical loan is $185,000. Refinances make up 51.5% of its lending.
Of its loans, 48.5% went to low- and moderate-income tracts, against 17.2% at similar lenders, and 51.5% to majority-minority tracts, against 8.8%. Both were also high in 2024, at 47.6% and 42.9%. On 33 loans these figures are a rough guide.
Its main market is Valdosta, GA, where it ranks 35 of 238 lenders with 0.6% of lending, unchanged on the year; Ameris Bank leads. It first reported in 2004. It filed no report for 2020 through 2022, when a bank making fewer than 100 closed-end loans a year need not report; those years are gaps in the record, not years without 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
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 National Bank of Quitman took 36 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 51.5% · Purchase 39.4% · Home improvement 9.1%
Conventional 100.0% · of 33 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 | 33 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Valdosta | 29 |
| Warner Robins | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300DV4OQK0LOKRQ05 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 774235 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 114255 | 2004–2017 |
Established 25 August 1934. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: The Citizens National Bank of Quitman's data.
The Citizens National Bank of Quitman's data
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The Citizens National Bank of Quitman 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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