Applications / Mortgage Analytics / Lenders / Georgia / First Southern Bank
Waycross, GA · State non-member bank · FDIC · $328 million assets · 47 loans in 2025
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47
loans originated, 2025
57
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Southern Bank, a Waycross, Georgia bank that first reported in 2023, is a manufactured-home lender: 29.8% of its loans were on manufactured homes, against 2.4% at similar lenders.
That share was higher than nearly all similar lenders (state non-member banks making between half and twice as many loans). Its typical loan, $105,000, was lower than nearly nine in ten of them, which fits lending on manufactured homes. Purchases made up 46.8% of its loans, all conventional.
Its loans fell 22%, to 47 from 60, while similar lenders grew by 4%. Its dollar lending rose slightly, to $11.9 million from $11.2 million, as its typical loan grew. With three years of reports and small counts, a few loans either way move these figures.
Several of its largest markets are in Florida. It ranks 199 of 811 lenders in North Port-Bradenton-Sarasota and also lends in Port St. Lucie and non-metro Florida, all entered in 2023; it added Punta Gorda and Tallahassee in 2025. In Georgia it lends in the rural counties and ranks 172 of 271 in Brunswick-St. Simons.
Low- and moderate-income (LMI) borrowers received 31.4% of its loans, against 27.5% at similar lenders, and 10.6% went to majority-minority areas, against 5.6%. Both are higher than about six in ten of its peers. Its smaller loans and manufactured-home lending may help explain the borrower share.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. First Southern Bank took 57 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 46.8% · Refinance 34.0% · Other 10.6% · Home improvement 8.5%
Conventional 100.0% · of 47 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 | 34 | 72.3% |
| Florida | 13 | 27.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| North Port-Bradenton-Sarasota | 6 |
| Brunswick-St. Simons | 3 |
| Port St. Lucie | 2 |
| Sebring | 2 |
| Punta Gorda | 1 |
| Tallahassee | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 54930080GH2G8DISFG28 | 2023–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 631039 | 2023–2023 |
Established 19 June 1907. Reported under HMDA 2023-2025.
Mergers, name changes, data editions and corrections: First Southern Bank's data.
First Southern Bank's data
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First Southern 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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