Applications / Mortgage Analytics / Lenders / Georgia / First Peoples Bank
Pine Mountain, GA · State non-member bank · FDIC · $445 million assets · 66 loans in 2025
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66
loans originated, 2025
87
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Peoples Bank lends in lower-income and majority-minority neighbourhoods more often than most similar lenders, while its share of loans to low- and moderate-income borrowers themselves is lower.
Among similar lenders (state non-member banks making between half and twice as many loans), 18.6% of loans were in LMI (low- and moderate-income) areas; First Peoples Bank's figure was 25.0%, higher than about two-thirds of them. Its 21.2% in majority-minority areas, against 6.9%, was higher than nearly three-quarters. Lending centred on Columbus, its largest market, may explain this.
Only 16.7% of its loans went to LMI borrowers, against 27.3% for similar lenders, lower than about three-quarters of them, though up from 12.5% a year earlier. Its typical loan of $185,000, a little above peers, and a purchase-heavy mix, 63.6% of its loans, are possible reasons.
It has lent in Columbus, AL-GA since 1994 and ranks 43 of 318 there, but its share eased to 0.4% from 0.5%, with Synovus Bank leading. More lenders competing there could account for the dip. It entered Crestview-Fort Walton Beach-Destin in 2025.
Originations rose 16% to 66, faster than the 9% for similar lenders, but remain well below the 103 of 2023, and it filed no HMDA report for 2020 to 2022, a gap in the record rather than years without lending.
Questions the data can answer next
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. First Peoples Bank took 87 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 63.6% · Refinance 16.7% · Home improvement 12.1% · Other 7.6%
Conventional 100.0% · of 66 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 | 57 | 86.4% |
| Alabama | 6 | 9.1% |
| Florida | 2 | 3.0% |
| Tennessee | 1 | 1.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Columbus | 30 |
| Atlanta-Sandy Springs-Roswell | 19 |
| Auburn-Opelika | 1 |
| Crestview-Fort Walton Beach-Destin | 1 |
| Knoxville | 1 |
| Wildwood-The Villages | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300107HDIK6N8E812 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 1459799 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 333010 | 1993–2017 |
Established 9 July 1990. Reported under HMDA 1993-2025.
Mergers, name changes, data editions and corrections: First Peoples Bank's data.
First Peoples Bank's data
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First Peoples 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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