Leading in Columbus, gaining share
It ranked 1 of 318 lenders in Columbus, AL-GA, with 8.4% of the market, up from 7.2%. It ranked 30 of 892 in Atlanta, where it has lent since before 1990.
Applications / Mortgage Analytics / Lenders / Georgia / Synovus Bank
Synovus Bank
Columbus, GA · State member bank · FRS · $61.2 billion assets · 4,949 loans in 2025
Synovus Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
4,949
loans originated, 2025
7,684
applications, 2025
9
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Synovus Bank is a Georgia-based regional lender in 9 states and the leading lender in its home market of Columbus, where its share rose, though its originations fell 3% in 2025.
Volume well down from 2020
Originations fell 3% to 4,949, while similar lenders grew 2% and the whole market 10%. It made 18,390 loans in 2020 and fewer each year since. Yet the amount it lent rose from $1.55 billion to $1.98 billion in 2025.
More government-backed lending
Similar lenders are state member banks making between half and twice as many loans. FHA loans (insured by the Federal Housing Administration) were 7.7% against 4.7%, VA loans (guaranteed by the Department of Veterans Affairs) 3.9% against 1.2%, and RHS loans (guaranteed by the Department of Agriculture's Rural Housing Service) 1.2% against 0.3%. Its share of loans in majority-minority areas, 18.2% against 18.3%, was close to theirs; LMI (low- and moderate-income) borrowers took 24.1% against 26.9%; its higher jumbo share, 9.4% against 5.1%, may be one reason.
Higher rates than most similar banks
Its typical rate was 7.20% against 6.62%, higher than nearly nine in ten similar banks, and 3.5% of loans were higher-priced (a rate well above the average for similar loans) against 1.7%. Its government-backed loans, and home improvement at 12.7% of loans, are possible reasons.
Questions the data can answer next
- How has its share in Atlanta and Tampa moved against United Wholesale Mortgage's over the past five years?
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
4,949 loans in 2025, against a peak of 18,390 in 2020.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Synovus Bank took 7,684 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
45.6% of its 2025 loans were purchase loans; 87.2% were Conventional.
Purchase 45.6% · Refinance 21.9% · Other 19.7% · Home improvement 12.7%
Conventional 87.2% · FHA 7.7% · VA 3.9% · USDA (RHS or FSA) 1.2% · of 4,949 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
9 states, 72 metros, 277 counties
| State | Loans | Share |
|---|---|---|
| Georgia | 2,576 | 52.1% |
| Alabama | 1,016 | 20.5% |
| Florida | 752 | 15.2% |
| South Carolina | 458 | 9.3% |
| Tennessee | 115 | 2.3% |
| North Carolina | 24 | 0.5% |
| Mississippi | 6 | 0.1% |
| Oregon | 1 | 0.0% |
| Texas | 1 | 0.0% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Atlanta-Sandy Springs-Roswell | 716 |
| Columbus | 451 |
| Birmingham | 381 |
| Marietta | 241 |
| Athens-Clarke County | 182 |
| Warner Robins | 179 |
| Huntsville | 161 |
| Columbia | 152 |
| Pensacola-Ferry Pass-Brent | 144 |
| Tampa | 128 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | DX0JX77PRMOELF7VG772 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 395238 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 3873 | 1990–2010 |
| Respondent ID (the HMDA filer code before 2018) | 9395238 | 2011–2016 |
| Respondent ID (the HMDA filer code before 2018) | 2395238 | 2017–2017 |
Established 1 January 1888. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Synovus Bank's data.
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