Applications / Mortgage Analytics / Lenders / Georgia / Great Oaks Bank
Richmond Hill, GA · State non-member bank · FDIC · $399 million assets · 65 loans in 2025
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65
loans originated, 2025
99
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Great Oaks Bank, a Georgia state bank, makes small loans: its typical loan is less than half that of similar lenders, and about a fifth of its loans are on manufactured homes.
Its typical loan was $75,000 in 2025, against $175,000 at similar lenders (state non-member banks making between half and twice as many loans), among the lowest of the group. Manufactured homes made up 21.5% of its loans, against 2.6% at similar banks. Such homes cost less, which could account for part of the difference.
Low- and moderate-income (LMI) borrowers took 42.9% of its loans, against 27.2% at similar banks, a higher share than at almost nine in ten of them. A year earlier the figure was 25.0%. With only 65 loans, a few borrowers more or fewer move such shares a long way.
It made 65 loans, down 11% from 73, while similar banks grew 9% and the whole market 10%. It made 101 in 2019. It filed no report for 2021 and 2022; those are gaps in the record, not years without lending. At this size a handful of loans makes the difference between growth and decline.
Its biggest market is Savannah, where it ranks 63 of 469 lenders with 0.3% of lending, down from 0.5%, which may reflect its fewer loans. In Brunswick-St. Simons, where it has lent since 2010, its share rose to 0.5% from 0.0%. The bank was called Citizens Bank & Trust Company until 2020.
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, 2019–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Great Oaks Bank took 99 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 47.7% · Refinance 46.2% · Home improvement 4.6% · Other 1.5%
Conventional 100.0% · of 65 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 | 63 | 96.9% |
| Alabama | 1 | 1.5% |
| Colorado | 1 | 1.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Savannah | 11 |
| Hinesville | 5 |
| Brunswick-St. Simons | 2 |
| Athens-Clarke County | 1 |
| Montgomery | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900LW4R4AM7URY378 | 2019–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 364131 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 316780 | 2010–2016 |
Established 1 January 1934. Reported under HMDA 2010-2025.
Mergers, name changes, data editions and corrections: Great Oaks Bank's data.
Great Oaks Bank's data
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Great Oaks 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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