Applications / Mortgage Analytics / Lenders / Georgia / Planters First Bank
Cordele, GA · State non-member bank · FDIC · $453 million assets · 59 loans in 2025
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59
loans originated, 2025
77
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Planters First Bank, a small Georgia lender, made half as many home loans again in 2025 as in 2024, and much of its lending goes to minority neighborhoods.
Its loans rose 51%, to 59, faster than nearly nine in ten similar lenders (state non-member banks making between half and twice as many loans), whose loans rose 8%. The whole market grew 10%. The rise starts from a low point: the bank made 30 loans in 2023, against 634 in 2018. On so few loans, a handful either way moves every figure.
Some 39.0% of its loans went to majority-minority neighborhoods, against 6.5% at the typical similar lender, a higher share than nearly nine in ten. Low- and moderate-income (LMI) borrowers took 34.5% of its loans, against 26.9% at peers. Both figures may simply reflect the Georgia counties it serves.
Every loan was conventional; none was backed by the government. The typical loan was $115,000, against $170,000 at peers, smaller than about four in five of them. Its mix goes some way to explain that. Refinances made up 45.8% of its loans, and home-improvement and other-purpose loans, usually small, another 6.8% and 8.5%. Manufactured homes, also cheaper, took 8.5%, against 2.7% at peers.
In Warner Robins its share of lending fell to 0.3% from 0.5%, ranking it 62 of 299 lenders. On a base this small, a few loans made elsewhere could account for the drop.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Planters First Bank took 77 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 45.8% · Purchase 39.0% · Other 8.5% · Home improvement 6.8%
Conventional 100.0% · of 59 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 | 58 | 98.3% |
| Florida | 1 | 1.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Warner Robins | 19 |
| Macon-Bibb County | 4 |
| Atlanta-Sandy Springs-Roswell | 3 |
| Albany | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900GZAWIVGN884M22 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 300933 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 39064 | 2008–2017 |
Established 1 January 1896. Reported under HMDA 2008-2025.
Mergers, name changes, data editions and corrections: Planters First Bank's data.
Planters First Bank's data
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