Applications / Mortgage Analytics / Lenders / Georgia / South Georgia Bank
Glennville, GA · State non-member bank · FDIC · $256 million assets · 123 loans in 2025
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123
loans originated, 2025
134
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
South Georgia Bank, a small lender in Glennville, puts two in five of its loans into manufactured homes, a far larger share than almost any similar bank.
Manufactured homes made up 40.7% of its loans in 2025. Similar banks (state non-member banks making between half and twice as many loans) put a typical 3.1% into them. Its loans are small, which may follow from that: the typical one was $135,000, against $175,000 at its peers. All were conventional, and refinances (48.0%) slightly outnumbered purchases (43.9%).
A third of its loans, 34.2%, were on homes in majority-minority neighborhoods, against 6.1% at its peers, higher than at more than four in five of them. The share was higher still a year earlier, at 43.6%. Its share of loans to low- and moderate-income borrowers, 30.4%, is close to its peers' 27.9%.
Its loans rose 22% to 123, faster than similar banks (9%) and the whole market (10%). With so few loans a year, a swing of this size can come from a handful of borrowers. Its volume has moved between 66 and 123 loans a year since 2018.
Hinesville is its largest metro market, where it has lent since 2009. Its share there rose from 0.5% to 0.9%, ranking it 20 of 216 lenders. Mortgage Research Center leads that market.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. South Georgia Bank took 134 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 48.0% · Purchase 43.9% · Home improvement 5.7% · Other 2.4%
Conventional 100.0% · of 123 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 | 122 | 99.2% |
| South Carolina | 1 | 0.8% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Hinesville | 31 |
| Augusta-Richmond County | 12 |
| Brunswick-St. Simons | 7 |
| Savannah | 7 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900W6YNVUG39YQI51 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 995571 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 332532 | 2009–2017 |
Established 7 April 1987. Reported under HMDA 2009-2025.
Mergers, name changes, data editions and corrections: South Georgia Bank's data.
South Georgia Bank's data
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South Georgia 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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