Applications / Mortgage Analytics / Lenders / Georgia / Farmers State Bank
Lincolnton, GA · State non-member bank · FDIC · $184 million assets · 44 loans in 2025
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44
loans originated, 2025
46
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Farmers State Bank, a small Georgia lender, made 44 loans in 2025, up 47% on the year, while similar banks grew by 3%.
Its loans rose from 30 to 44, faster than almost nine in ten similar lenders (state non-member banks making between half and twice as many loans). The whole market grew by 10%. It is still below the 84 loans it made in 2019. It filed no reports from 2020 to 2022, so those years are a gap in the record, not years without lending.
Some 29.5% of its loans went to low- and moderate-income (LMI) neighborhoods, against 18.7% at similar lenders, a higher share than at three in four of them. Its share in majority-minority neighborhoods, 15.9%, is also above the 5.6% at its peers. On 44 loans these shares can swing a lot; the majority-minority share was 30.0% in 2024.
Every loan was conventional; it made none backed by a government agency. Refinancing made up 56.8% of its loans and home purchase 36.4%. Its typical loan, $165,000, matches its peers'. Manufactured homes were 6.8% of its loans, against 2.5% at similar banks.
Augusta-Richmond County is its main metro market, where it has lent since 2014. It ranks 70 of 461 lenders there, with 0.2% of the market, up from 0.1%. Rocket Mortgage and United Wholesale Mortgage lead it.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Farmers State Bank took 46 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 56.8% · Purchase 36.4% · Home improvement 4.5% · Other 2.3%
Conventional 100.0% · of 44 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 | 43 | 97.7% |
| South Carolina | 1 | 2.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Augusta-Richmond County | 39 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300JSUQDCL7JTGH46 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 773032 | 2014–2023 |
| Respondent ID (the HMDA filer code before 2018) | 3879 | 2014–2017 |
Established 2 December 1911. Reported under HMDA 2014-2025.
Mergers, name changes, data editions and corrections: Farmers State Bank's data.
Farmers State Bank's data
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Farmers 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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