Applications / Mortgage Analytics / Lenders / Georgia / Vallant Bank
Elberton, GA · State non-member bank · FDIC · $2.3 billion assets · 851 loans in 2025
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851
loans originated, 2025
1,228
applications, 2025
10
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Vallant Bank, a Georgia state non-member bank, grew originations 52% to 851 in 2025, faster than nearly all similar lenders, and gained share in Augusta-Richmond County and Athens-Clarke County.
Originations rose 52%, against 10% at similar lenders (state non-member banks making between half and twice as many loans) and 10% for the whole market, higher than nearly all peers. Its dollar volume rose to $282.9 million from $128.9 million, and its typical loan to $205,000 from $135,000. It made 297 loans five years before.
FHA loans (insured by the Federal Housing Administration) were 5.1% of its originations, against 0.3% at peers, and VA loans (guaranteed by the Department of Veterans Affairs) 5.9%, against 0.4%, up from 1.4% in 2024. Conventional loans were 88.1%, lower than at about four in five peers. Purchases were 52.3% of its lending.
In Augusta-Richmond County it ranked 14 of 461, and its share rose 1.7 points to 2.1%; it has lent there since 2004. In Athens-Clarke County it ranked 17 of 316, with its share up 0.5 points to 1.4%.
Majority-minority areas took 15.5% of its loans, against 7.2% at peers, higher than about three-quarters of them. LMI (low- and moderate-income) areas took 16.7%, against 15.3%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Vallant Bank took 1,228 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 52.3% · Refinance 20.9% · Home improvement 19.4% · Other 7.4%
Conventional 88.1% · VA 5.9% · FHA 5.1% · USDA (RHS or FSA) 0.9% · of 851 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 | 763 | 89.7% |
| South Carolina | 74 | 8.7% |
| North Carolina | 4 | 0.5% |
| Florida | 3 | 0.4% |
| Alabama | 2 | 0.2% |
| Kentucky | 1 | 0.1% |
| Louisiana | 1 | 0.1% |
| Mississippi | 1 | 0.1% |
| New Jersey | 1 | 0.1% |
| Ohio | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Augusta-Richmond County | 275 |
| Atlanta-Sandy Springs-Roswell | 144 |
| Athens-Clarke County | 74 |
| Gainesville | 47 |
| Marietta | 11 |
| Savannah | 6 |
| Columbia | 4 |
| Hilton Head Island-Bluffton-Port Royal | 4 |
| Greenville-Anderson-Greer | 3 |
| Birmingham | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 2549006MTEQ1VE0AAQ20 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 366238 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 314065 | 2004–2017 |
Established 12 March 1934. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: Vallant Bank's data.
Vallant Bank's data
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