Applications / Mortgage Analytics / Lenders / Georgia / Classic City Bank
Athens, GA · State non-member bank · FDIC · $294 million assets · 43 loans in 2025
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43
loans originated, 2025
43
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Classic City Bank, a young Georgia bank whose largest market is Athens-Clarke County, makes loans about twice the typical size of similar banks' and grew 16% in 2025.
Its typical loan was $305,000, against $165,000 at similar lenders (state non-member banks making between half and twice as many loans), higher than more than eight in ten of them. Home purchases made up 60.5% of its loans and refinances 37.2%; every loan was conventional.
It made 43 loans, up 16% from 37, while similar banks grew by 2% and the whole market by 10%. Established in 2020, it first reported in 2023, so 2021 and 2022 are gaps in the record rather than years without lending.
In Athens-Clarke County it ranks 20 of 316 lenders. Its share slipped to 1.2% from 1.4%; on so few loans, one or two can make that difference. United Wholesale Mortgage, PGIM Real Estate Finance and Synovus Bank lead.
30.2% of its loans were in low- and moderate-income (LMI) neighborhoods, against 18.6% at similar banks, higher than about three in four. Only 9.1% of its borrowers had LMI incomes, against 28.2%; its larger loans and purchase-led lending are possible reasons.
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, 2023–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Classic City Bank took 43 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 60.5% · Refinance 37.2% · Home improvement 2.3%
Conventional 100.0% · of 43 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 | 40 | 93.0% |
| Florida | 2 | 4.7% |
| North Carolina | 1 | 2.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Athens-Clarke County | 36 |
| Brunswick-St. Simons | 2 |
| Crestview-Fort Walton Beach-Destin | 1 |
| West Palm Beach-Boca Raton-Delray Beach | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900XZ6MY7WSIHIY14 | 2023–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 5538937 | 2023–2023 |
Established 9 November 2020. Reported under HMDA 2023-2025.
Mergers, name changes, data editions and corrections: Classic City Bank's data.
Classic City Bank's data
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Classic City 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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