Applications / Mortgage Analytics / Lenders / Georgia / American Pride Bank
Macon, GA · State non-member bank · FDIC · $773 million assets · 53 loans in 2025
American Pride Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
53
loans originated, 2025
81
applications, 2025
11
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
American Pride Bank, a small bank in Macon, Georgia, made 89% more loans in 2025 than in 2024 and spread them across 11 states, from Los Angeles to Miami.
Its loans rose 89%, from 28 to 53, and its dollar volume from $5.8 million to $25.6 million. Similar lenders, state non-member banks making between half and twice as many loans, grew 5%, and the whole market 10%. Nearly all its peers grew more slowly. It filed no report for 2020 to 2022; those years are gaps in the record, not years without lending.
Its loans reached 21 metros and 26 counties. In 2025 it lent for the first time in Los Angeles, Bridgeport-Stamford-Danbury, Charlotte, Chicago, Miami and San Diego. Closer to home it has lent in Atlanta and Athens since 2017; in Athens it ranked 72 of 316.
Its typical loan was $255,000, against $165,000 at peers, higher than at about three in four of them. Jumbo loans, those larger than the conforming limit, were 11.1% of its lending, against 1.7%, more than at about nine in ten peers. Every loan was conventional.
Majority-minority areas took 49.1% of its loans, against 6.3% at peers. Poorer neighborhoods (low- and moderate-income, or LMI, tracts) took 34.0%, against 18.6%. But LMI borrowers took only 14.8%, against 27.0%, lower than at about four in five peers. Its larger typical loan is one possible reason.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. 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. American Pride Bank took 81 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 50.9% · Refinance 37.7% · Home improvement 7.5% · Other 3.8%
Conventional 100.0% · of 53 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 | 26 | 49.1% |
| California | 8 | 15.1% |
| Florida | 6 | 11.3% |
| Illinois | 5 | 9.4% |
| Minnesota | 2 | 3.8% |
| Connecticut | 1 | 1.9% |
| Hawaii | 1 | 1.9% |
| North Carolina | 1 | 1.9% |
| New York | 1 | 1.9% |
| Tennessee | 1 | 1.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Macon-Bibb County | 11 |
| Warner Robins | 7 |
| Athens-Clarke County | 4 |
| Chicago-Naperville-Schaumburg | 4 |
| Los Angeles-Long Beach-Glendale | 4 |
| Atlanta-Sandy Springs-Roswell | 3 |
| Anaheim-Santa Ana-Irvine | 2 |
| Crestview-Fort Walton Beach-Destin | 2 |
| Minneapolis-St. Paul-Bloomington | 2 |
| West Palm Beach-Boca Raton-Delray Beach | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900WO60HTEULEHM24 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3671997 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 358584 | 2009–2017 |
Established 12 December 2007. Reported under HMDA 2009-2025.
Mergers, name changes, data editions and corrections: American Pride Bank's data.
American Pride Bank's data
$215
American Pride 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.
Buy American Pride Bank'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]