Applications / Mortgage Analytics / Lenders / Georgia / Colony Bank
Fitzgerald, GA · State non-member bank · FDIC · $3.7 billion assets · 1,111 loans in 2025
Colony Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
1,111
loans originated, 2025
1,417
applications, 2025
8
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Colony Bank is a Georgia state non-member bank whose lending is built on government-backed loans, and its originations rose 35% in 2025, faster than nine in ten similar lenders.
FHA loans (insured by the Federal Housing Administration) were 20.1% of its originations, VA loans (guaranteed by the Department of Veterans Affairs) 11.7% and RHS loans (guaranteed by the Department of Agriculture's Rural Housing Service) 1.9%, against 1.4%, 0.5% and 0.1% at similar lenders (state non-member banks making between half and twice as many loans). Conventional loans were 66.3%, against 96.9%, among the lowest tenth.
Originations rose 35% to 1,111, against 10% at peers and for the whole market. It merged with TC Federal Bank in 2025, which is one possible source of the growth. Originations remain below the 1,890 of 2021.
Its share rose 0.3 points to 1.5% in Augusta-Richmond County (rank 19 of 461) and to 1.7% from 0.0% in Tallahassee (rank 15 of 372); a rise from nothing that its 2025 merger could explain, since the merged bank's filings count in the competition figures. In Warner Robins its share fell 0.6 points to 2.3%, rank 9 of 299, which may be an ordinary one-year swing.
Its higher-priced share (a rate well above the average for similar loans) was 0.9%, against 1.6%, and its purchase denial rate 3.7%, against 5.8%.
Questions the data can answer next
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Colony Bank took 1,417 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 80.5% · Refinance 17.4% · Home improvement 1.1% · Other 1.1%
Conventional 66.3% · FHA 20.1% · VA 11.7% · USDA (RHS or FSA) 1.9% · of 1,111 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 | 917 | 82.5% |
| Florida | 112 | 10.1% |
| South Carolina | 51 | 4.6% |
| Alabama | 21 | 1.9% |
| Tennessee | 6 | 0.5% |
| North Carolina | 2 | 0.2% |
| Arizona | 1 | 0.1% |
| Mississippi | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Augusta-Richmond County | 163 |
| Warner Robins | 111 |
| Albany | 88 |
| Tallahassee | 84 |
| Savannah | 65 |
| Atlanta-Sandy Springs-Roswell | 60 |
| Macon-Bibb County | 49 |
| Valdosta | 47 |
| Athens-Clarke County | 36 |
| Columbus | 25 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900AHLSHUJOTJG402 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 491934 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 322257 | 2002–2017 |
Established 15 April 1976. Reported under HMDA 2002-2025.
Mergers, name changes, data editions and corrections: Colony Bank's data.
Colony Bank's data
$215
Colony 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.
Buy Colony Bank's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]