Applications / Mortgage Analytics / Lenders / Georgia / PrimeSouth Bank
Blackshear, GA · State non-member bank · FDIC · $1.5 billion assets · 348 loans in 2025
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348
loans originated, 2025
390
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
PrimeSouth Bank is the second-largest lender in Brunswick-St. Simons, and a quarter of its loans are on manufactured homes.
It ranks 2 of 271 lenders in Brunswick-St. Simons, behind Rocket Mortgage, with 6.5% of the market, down from 7.2% in 2024. Its loans grew 5% to 348, while similar lenders (the same lender type, making between half and twice as many loans) typically grew 9%. Faster-growing rivals there are one possible reason for the dip.
Manufactured homes took 25.0% of its loans, against 2.3% at similar lenders, among the highest twentieth. That may help explain a typical loan of $135,000, against $180,000 at peers. Yet 9.5% of its loans were jumbo (larger than the conforming limit): it lends at both ends of the size range.
Of its loans, 29.9% were higher-priced (a rate well above the average for similar loans), against 1.7% at similar lenders. Manufactured-home loans usually carry higher rates, and at a quarter of its lending they could account for most of the difference. The share was 39.1% in 2024.
Low- and moderate-income (LMI) borrowers took 28.8% of its loans, close to similar lenders' 28.4%. LMI neighborhoods took 19.1%, against 16.5%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. PrimeSouth Bank took 390 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 52.0% · Refinance 37.6% · Home improvement 6.6% · Other 3.7%
Conventional 100.0% · of 348 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 | 319 | 91.7% |
| Florida | 27 | 7.8% |
| Alabama | 1 | 0.3% |
| Colorado | 1 | 0.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Brunswick-St. Simons | 81 |
| Jacksonville | 25 |
| Hinesville | 10 |
| Savannah | 5 |
| Albany | 1 |
| Auburn-Opelika | 1 |
| Augusta-Richmond County | 1 |
| Marietta | 1 |
| Orlando-Kissimmee-Sanford | 1 |
| Tampa | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300C4YZ9QY31U5912 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 1011638 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 35694 | 2009–2017 |
Established 1 January 1891. Reported under HMDA 2009-2025.
Mergers, name changes, data editions and corrections: PrimeSouth Bank's data.
PrimeSouth Bank's data
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