Applications / Mortgage Analytics / Lenders / Georgia / PromiseOne Bank
Duluth, GA · State non-member bank · FDIC · $837 million assets · 73 loans in 2025
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73
loans originated, 2025
85
applications, 2025
6
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
PromiseOne Bank, a Georgia bank, makes most of its loans in majority-minority neighborhoods, but its home lending has shrunk every year since 2022.
It made 565 loans in 2022, 156 in 2024 and 73 in 2025. Last year's fall of 53% was steeper than at almost any similar lender (state non-member banks making between half and twice as many loans), whose typical lender grew 9%. It filed no report from 2018 to 2021, so the earlier record has gaps. Nothing in its filings explains the fall.
Majority-minority neighborhoods took 63.0% of its loans, against 6.5% at similar lenders, more than at about nineteen in twenty. The share was 51.3% in 2024. Its lending reaches 14 metros in 6 states, among them Atlanta, New York and Dallas.
Purchases made up 76.7% of its loans and other purposes 15.1%. Its typical loan was $285,000, against $172,500, larger than at about four in five peers. Low- and moderate-income (LMI) borrowers took 20.0%, against 27.2% at peers; larger purchase loans may point to borrowers with higher incomes.
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, 2022–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. PromiseOne Bank took 85 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 76.7% · Other 15.1% · Refinance 8.2%
Conventional 100.0% · of 73 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 | 53 | 72.6% |
| Texas | 11 | 15.1% |
| Tennessee | 4 | 5.5% |
| North Carolina | 2 | 2.7% |
| New York | 2 | 2.7% |
| Maryland | 1 | 1.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Atlanta-Sandy Springs-Roswell | 45 |
| Dallas-Plano-Irving | 8 |
| Gainesville | 2 |
| Marietta | 2 |
| Nashville-Davidson--Murfreesboro--Franklin | 2 |
| Savannah | 2 |
| Charlotte-Concord-Gastonia | 1 |
| Chattanooga | 1 |
| Clarksville | 1 |
| Fort Worth-Arlington-Grapevine | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900MY80V94K63ZY41 | 2022–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3832127 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 358657 | 2010–2016 |
Established 6 November 2008. Reported under HMDA 2010-2025.
Mergers, name changes, data editions and corrections: PromiseOne Bank's data.
PromiseOne Bank's data
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