Applications / Mortgage Analytics / Lenders / Georgia / Bank of Dudley
Dudley, GA · State non-member bank · FDIC · $502 million assets · 115 loans in 2025
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115
loans originated, 2025
125
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Bank of Dudley does much of its lending in poorer and majority-minority neighborhoods, and in 2025 its loans rose 16%.
Low- and moderate-income (LMI) neighborhoods took 38.6% of its loans, against 18.1% at similar lenders (state non-member banks making between half and twice as many loans), higher than at about nine in ten. Majority-minority neighborhoods took 27.8%, against 6.2%. Its share of loans to LMI borrowers, 27.3%, was near the middle.
Manufactured homes made up 17.4% of its loans, against 3.2% at similar lenders, higher than at nearly nine in ten. Its typical loan, $125,000, was smaller than at about four in five similar lenders, where it was $175,000; the manufactured-home loans may account for part of that. Every loan was conventional.
Its count rose 16%, from 99 to 115, against 9% at similar lenders and 10% for the whole market. Its yearly total has stayed between 99 and 138 since 2018. In Macon-Bibb County, GA its share rose to 0.5% from 0.1%, ranking 43 of 328. In Warner Robins, GA it rose to 0.3% from 0.1%, ranking 67 of 299.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Bank of Dudley took 125 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 60.0% · Refinance 29.6% · Home improvement 8.7% · Other 1.7%
Conventional 100.0% · of 115 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 | 111 | 96.5% |
| North Carolina | 2 | 1.7% |
| Alabama | 1 | 0.9% |
| Florida | 1 | 0.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Macon-Bibb County | 21 |
| Warner Robins | 12 |
| Atlanta-Sandy Springs-Roswell | 9 |
| Brunswick-St. Simons | 2 |
| Asheville | 1 |
| Athens-Clarke County | 1 |
| Columbus | 1 |
| Jacksonville | 1 |
| Savannah | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300CWZXP5LD3GVV26 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 546535 | 2015–2023 |
| Respondent ID (the HMDA filer code before 2018) | 39068 | 2015–2017 |
Established 1 November 1905. Reported under HMDA 2015-2025.
Mergers, name changes, data editions and corrections: Bank of Dudley's data.
Bank of Dudley's data
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