PlainLender

First State Bank of Blakely

Blakely, GA

First State Bank of Blakely processed 248 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 246 loans with a 0.4% denial rate. Refinancing was the primary loan purpose. Based in Blakely, GA. The approval rate of 99.2% reflects originated loans as a share of all applications. Below you will find a breakdown by loan type, loan purpose, denial reasons, and demographic lending patterns as required by the Home Mortgage Disclosure Act.

Portfolio scale. First State Bank of Blakely processed 248 HMDA-reported mortgage applications in 2024, originating 246 loans and denying 1 for a denial rate of 0.4% (applicants themselves withdrew 1 files before a decision). The average loan amount was $142,177. The lender reports under LEI 549300ANE43ZL0O8VZ13 from Blakely, GA.

Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% — HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. First State Bank of Blakely's 99.2% origination rate tells you how often an application turned into funded money; the 0.4% denial rate is a separate read on underwriting strictness. Most activity concentrated in Conventional loans (248 applications).

How to read this page. These figures are aggregate HMDA disclosures — they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting — it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.

248
Applications
246
Originated
0.4%
Denial Rate
$142,177
Avg Loan Amount

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 248 246 1 $142,177

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2023 LAR — application-level mortgage data for First State Bank of Blakely (LEI: 549300ANE43ZL0O8VZ13) · 2023 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Refinancing 184 183 $111,848
Home Purchase 58 57 $248,793
Home Improvement 4 4 $57,500
Other 2 2 $10,000

Geographic Coverage — Lending by Race

Derived race categories as reported under HMDA. Source: CFPB.

Race Applications Approval Rate Denial Rate
White 127 98.4% 0.8%
Black or African American 22 100.0% 0.0%
Asian 10 100.0% 0.0%
American Indian or Alaska Native 1 100.0% 0.0%
Joint 1 100.0% 0.0%

Lending by Ethnicity

Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.

Ethnicity Applications Approval Rate Denial Rate
Not Hispanic or Latino 159 98.7% 0.6%
Hispanic or Latino 2 100.0% 0.0%

Nearby Lenders in GA

Other HMDA-reporting lenders in GA with similar activity. Compare any two side-by-side.

AMERISAVE MORTGAGE COMPANY

SANDY SPRINGS, GA

107,775 apps 16,102 originated 69.0% denied

Ameris Bank

Atlanta, GA

20,452 apps 14,604 originated 7.8% denied

Equity Prime Mortgage LLC

Atlanta, GA

18,565 apps 10,954 originated 3.6% denied

RENASANT BANK

JOHNS CREEK, GA

10,267 apps 7,420 originated 9.3% denied

SYNOVUS BANK

COLUMBUS, GA

8,388 apps 5,114 originated 21.6% denied
Compare First State Bank of Blakely vs AMERISAVE MORTGAGE COMPANY →

Mortgage Lending Guides

Why Mortgages Get Denied
Common denial reasons and how to improve your chances
Comparing Mortgage Lenders
What to look for when choosing a mortgage lender
Getting the Best Mortgage Rate
Strategies for securing the lowest interest rate
Understanding HMDA Data
How to read and interpret mortgage disclosure data
Denial Rates by Demographics
Demographic patterns in mortgage approval and denial

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Frequently Asked Questions

How many mortgage applications did First State Bank of Blakely process?
First State Bank of Blakely processed 248 mortgage applications in the 2023 HMDA reporting year. Of these, 246 were originated (approved and funded), 1 were withdrawn by the applicant, and 1 were denied.
What is First State Bank of Blakely's mortgage approval rate?
First State Bank of Blakely has an approval (origination) rate of 99.2%, meaning 99.2% of all applications resulted in a funded mortgage. The denial rate is 0.4%.
What is the average loan amount at First State Bank of Blakely?
The average mortgage loan amount at First State Bank of Blakely is $142,177.
What types of mortgage loans does First State Bank of Blakely offer?
First State Bank of Blakely processes Conventional loans. The most common type is Conventional with 248 applications and an average loan amount of $142,177.
What loan purposes does First State Bank of Blakely serve?
First State Bank of Blakely serves the following loan purposes: Refinancing (184 applications), Home Purchase (58 applications), Home Improvement (4 applications), Other (2 applications). Refinancing is the most common purpose.
Where is First State Bank of Blakely located?
First State Bank of Blakely is headquartered in Blakely, GA. The lender is identified by LEI 549300ANE43ZL0O8VZ13 in HMDA data.
How does First State Bank of Blakely compare in lending across racial demographics?
First State Bank of Blakely reports demographic lending data under HMDA requirements. White applicants have an approval rate of 98.4% and denial rate of 0.8%; Black or African American applicants have an approval rate of 100.0% and denial rate of 0.0%; Asian applicants have an approval rate of 100.0% and denial rate of 0.0%. This data reflects derived race categories as reported by applicants.

Data Sources

Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.

Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.

Read our methodology — how this data is sourced, computed, and verified.