Applications / Mortgage Analytics / Lenders / Georgia / First State Bank
Wrens, GA · State non-member bank · FDIC · $513 million assets · 150 loans in 2025
First State Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
150
loans originated, 2025
154
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First State Bank, a Georgia lender that first reported in 2021, makes small loans, many on manufactured homes, and lends to poorer borrowers far more often than similar banks.
Its typical loan was $85,000, against $175,000 at similar lenders (state non-member banks making between half and twice as many loans), among the lowest tenth. Manufactured homes were 25.3% of its loans, against 2.8% at peers. All were conventional.
Low- and moderate-income (LMI) borrowers took 45.1% of its loans, against 28.0% at peers, and majority-minority areas 46.0%, against 5.0%. Both were higher than at more than nine in ten similar lenders. Small loans and manufactured homes may simply go more often to lower-income buyers. LMI areas took 22.1%, down from 40.6% in 2024 but still above peers' 17.5%.
It made 150 loans, against 155 in 2024, while similar lenders grew 10%. In Augusta-Richmond County it ranked 67 of 461 lenders, and its share slipped from 0.3% to 0.2%. Shares are measured in dollars, so with loans this small a handful could explain the change. It has reported since 2021; the years 2018 to 2020 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, 2021–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 State Bank took 154 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 44.7% · Refinance 42.0% · Home improvement 11.3% · Other 2.0%
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 | 143 | 95.3% |
| South Carolina | 6 | 4.0% |
| Florida | 1 | 0.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Augusta-Richmond County | 44 |
| Albany | 2 |
| Columbus | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900NX6JAQSL0PM696 | 2021–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 36933 | 2022–2023 |
Established 6 July 1964. Reported under HMDA 2021-2025.
Mergers, name changes, data editions and corrections: First State Bank's data.
First State Bank's data
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First State 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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