Applications / Mortgage Analytics / Lenders / Georgia / Loyal Trust Bank
Johns Creek, GA · Depository institution · FDIC · 71 loans in 2025
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71
loans originated, 2025
82
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Loyal Trust Bank first reported in 2025, a purchase lender spread across five states whose loans went largely to majority-minority neighborhoods.
Its first report covered 71 loans in 12 metros and 27 counties across five states, centered on Georgia. Purchases made up 83.1% of them. All were conventional. It ranks 296 of 892 lenders in the Atlanta area. With a single year on record, there is no trend to read.
Its typical loan, $275,000, was larger than the $155,000 at similar lenders, the 15 lenders of its type making between a quarter and four times as many loans, and larger than more than eight in ten of them. A purchase-heavy book, with no home-improvement loans, may account for some of that.
52.1% of its loans went to majority-minority neighborhoods, against 5.3% at similar lenders, the highest of the group. Low- and moderate-income borrowers took 28.2%, against 20.0%, higher than about two-thirds of them. The peer group is small, so these comparisons are rough.
Similar lenders: same lender type, originations between a quarter and four times the lender's. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2025–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Loyal Trust Bank took 82 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 83.1% · Refinance 16.9%
Conventional 100.0% · of 71 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 | 55 | 77.5% |
| Alabama | 6 | 8.5% |
| Florida | 6 | 8.5% |
| Tennessee | 3 | 4.2% |
| North Carolina | 1 | 1.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Atlanta-Sandy Springs-Roswell | 37 |
| Marietta | 6 |
| Birmingham | 4 |
| Deltona-Daytona Beach-Ormond Beach | 3 |
| Nashville-Davidson--Murfreesboro--Franklin | 3 |
| Augusta-Richmond County | 2 |
| Gainesville | 2 |
| Lakeland-Winter Haven | 2 |
| Fayetteville | 1 |
| Jacksonville | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300Y3R0S9WULTX168 | 2025–2025 |
Established 24 September 2019. Reported under HMDA in 2025.
Mergers, name changes, data editions and corrections: Loyal Trust Bank's data.
Loyal Trust Bank's data
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Loyal Trust 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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