Applications / Mortgage Analytics / Lenders / Georgia / First IC Bank
Doraville, GA · State non-member bank · FDIC · $1.2 billion assets · 105 loans in 2025
First IC Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
105
loans originated, 2025
132
applications, 2025
16
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First IC Bank is a buyer's bank with an unusual reach: almost all its 105 loans in 2025 financed home purchases, and nearly half were made in majority-minority neighborhoods.
Purchases made up 91.4% of its loans and refinancing the other 8.6%, all conventional. Its typical loan was $325,000. That was larger than about nine in ten similar lenders', state non-member banks making between half and twice as many loans, whose typical loan was $175,000.
It made 48.6% of its loans in majority-minority neighborhoods, against 6.1% at similar lenders. That is higher than more than nine in ten of them, and up from 40.3% in 2020. Its share in poorer neighborhoods (low- and moderate-income, or LMI, tracts), 19.1%, was near the middle of the group.
LMI borrowers took 12.6% of its loans, against 27.7% at similar lenders, lower than about nine in ten of them. Its larger loans may be one reason, since bigger loans tend to go to borrowers with higher incomes. County detail would show where these loans are made.
Its loans rose 21% to 105, faster than similar lenders' 9% and the whole market's 10%. It lent in 16 states and 29 metros, and entered Punta Gorda, San Antonio-New Braunfels and Beaumont-Port Arthur in 2025. It filed no HMDA report for 2021 or 2022, a gap in the record rather than a pause in lending.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. First IC Bank took 132 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 91.4% · Refinance 8.6%
Conventional 100.0% · of 105 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 | 61 | 58.1% |
| New York | 16 | 15.2% |
| Ohio | 6 | 5.7% |
| North Carolina | 3 | 2.9% |
| Texas | 3 | 2.9% |
| Alabama | 2 | 1.9% |
| Connecticut | 2 | 1.9% |
| Delaware | 2 | 1.9% |
| New Jersey | 2 | 1.9% |
| Pennsylvania | 2 | 1.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Atlanta-Sandy Springs-Roswell | 51 |
| New York-Jersey City-White Plains | 12 |
| Marietta | 5 |
| Nassau County-Suffolk County | 4 |
| Cincinnati | 2 |
| Columbus | 2 |
| Philadelphia | 2 |
| Raleigh-Cary | 2 |
| Wilmington | 2 |
| Augusta-Richmond County | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493004LYI6NSVMGYH15 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 2877840 | 2016–2023 |
| Respondent ID (the HMDA filer code before 2018) | 334998 | 2016–2016 |
Established 31 January 2000. Reported under HMDA 2016-2025.
Mergers, name changes, data editions and corrections: First IC Bank's data.
First IC Bank's data
$215
First IC 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 First IC 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]