Applications / Mortgage Analytics / Lenders / Georgia / The First National Bank of Waynesboro
Waynesboro, GA · National bank · OCC · $227 million assets · 77 loans in 2025
The First National Bank of Waynesboro's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
77
loans originated, 2025
77
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The First National Bank of Waynesboro, a Georgia bank centered on the Augusta market, lends in poorer and majority-minority neighborhoods far more than its peers.
In 2025, 30.3% of its loans went to low- and moderate-income (LMI) neighborhoods, against 16.1% at the typical similar lender, meaning national banks making between half and twice as many loans. That is higher than about four in five of them. In majority-minority neighborhoods its share was 26.0%, against 7.7%, and 30.1% of its borrowers had LMI incomes.
It ranked 52 of 461 lenders in Augusta-Richmond County, its largest market, where it has lent since 2004. Its share slipped to 0.4% from 0.5%. That fits its fewer loans this year, and its smaller typical loan may also have played a part.
Its typical loan was $145,000, against $185,000 for the typical peer, smaller than about seven in ten. It made no loans on manufactured homes. Purchases took 55.8% of its lending and refinances 27.3%.
It made 77 loans, down 12%, while similar lenders grew 5% and the whole market 10%. That follows 82 in 2023 and 88 in 2024, its highest on record since 2018. It filed no report for 2020 to 2022, which are gaps in the record, not years without lending.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. 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. The First National Bank of Waynesboro took 77 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 55.8% · Refinance 27.3% · Other 9.1% · Home improvement 7.8%
Conventional 100.0% · of 77 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 | 76 | 98.7% |
| South Carolina | 1 | 1.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Augusta-Richmond County | 71 |
| Atlanta-Sandy Springs-Roswell | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900BH50BFK66NHC96 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 31134 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 17899 | 2004–2017 |
Established 1 January 1905. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: The First National Bank of Waynesboro's data.
The First National Bank of Waynesboro's data
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The First National Bank of Waynesboro 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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