Applications / Mortgage Analytics / Lenders / Georgia / First State Bank of Blakely
Blakely, GA · State non-member bank · FDIC · $669 million assets · 279 loans in 2025
First State Bank of Blakely's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
279
loans originated, 2025
284
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First State Bank of Blakely is a Georgia bank that mostly refinances small loans, and nearly half of its lending goes to majority-minority neighborhoods, against a small fraction at similar banks.
Refinances made up 82.1% of its loans in 2025; purchases were 15.8%. Its typical loan was $75,000, against $175,000 at similar lenders (state non-member banks making between half and twice as many loans), smaller than at nearly all of them. Manufactured homes were 12.2% of its loans, against 2.4% at peers.
Majority-minority neighborhoods took 47.3% of its loans, against 6.6% at similar lenders. Low- and moderate-income (LMI) neighborhoods took 31.2%, against 17.1%. Both shares were higher than nearly nine in ten peers. They may reflect the non-metro counties in Georgia, Alabama and Florida that it serves. Its share to LMI borrowers, 22.6%, was lower than peers' 27.9%; refinancing serves existing owners, which may be one reason.
It made 279 loans, up 13%, while similar lenders grew 8%. That is well within its range: it has made between 238 and 359 loans every year since 2018.
Its share of Dothan rose to 1.0% from 0.5%, ranking it 30 of 222 lenders. Non-metro Georgia, where it has lent since 1998, remains its largest market.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 State Bank of Blakely took 284 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 82.1% · Purchase 15.8% · Home improvement 1.1% · Other 1.1%
Conventional 100.0% · of 279 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 | 229 | 82.1% |
| Alabama | 41 | 14.7% |
| Florida | 9 | 3.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Albany | 42 |
| Dothan | 40 |
| Panama City-Panama City Beach | 8 |
| Athens-Clarke County | 1 |
| Atlanta-Sandy Springs-Roswell | 1 |
| Chattanooga | 1 |
| Macon-Bibb County | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300ANE43ZL0O8VZ13 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 5135 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 315496 | 2003–2017 |
Established 1 January 1903. Reported under HMDA 2003-2025.
Mergers, name changes, data editions and corrections: First State Bank of Blakely's data.
First State Bank of Blakely's data
$215
First State Bank of Blakely 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.
Buy First State Bank of Blakely's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]