Applications / Mortgage Analytics / Lenders / Georgia / First Federal Savings and Loan Association of Valdosta
Valdosta, GA · Savings institution · OCC · $272 million assets · 150 loans in 2025
First Federal Savings and Loan Association of Valdosta's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
150
loans originated, 2025
150
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Federal Savings and Loan Association of Valdosta made fewer loans in 2025 but bigger ones, and its share of its home market rose to 5.1%.
It made 150 loans, down 7%, while similar lenders (savings institutions making between half and twice as many loans) grew 6%. Yet its dollar lending rose to $42.4 million from $33.8 million, because its typical loan grew to $225,000 from $175,000.
In Valdosta, GA it ranks 5 of 238 lenders, with its share up 0.4 points. Ameris Bank, Mortgage Research Center, Guardian Bank and Rocket Mortgage rank above it. It has lent there since its first HMDA report in 2004, and all its lending is in 7 counties of Georgia.
Majority-minority tracts took 26.0% of its loans, against 5.6% at a typical similar lender, higher than at about nine in ten. LMI (low- and moderate-income) tracts took 24.7%, against 16.9%. A lender concentrated in a few counties takes on the make-up of its metro's neighborhoods, one plausible reason for both figures.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. First Federal Savings and Loan Association of Valdosta took 150 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 71.3% · Refinance 22.7% · Home improvement 3.3% · Other 2.7%
Conventional 100.0% · of 150 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 | 150 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Valdosta | 141 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 54930046UUU8KKVCYD66 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 828174 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 43019 | 2004–2010 |
| Respondent ID (the HMDA filer code before 2018) | 1703019 | 2011–2017 |
Established 1 September 1934. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: First Federal Savings and Loan Association of Valdosta's data.
First Federal Savings and Loan Association of Valdosta's data
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First Federal Savings and Loan Association of Valdosta 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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