Rising at home
In Albany, GA, its largest market and one it has served since 2008, it ranked 3 of 212 lenders. Its share rose from 3.6% to 5.5%. Outside Albany its shares were tiny.
Applications / Mortgage Analytics / Lenders / Georgia / Flint Community Bank
Flint Community Bank
Albany, GA · State non-member bank · FDIC · $332 million assets · 124 loans in 2025
Flint Community Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
124
loans originated, 2025
134
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Flint Community Bank ranked third in Albany, GA in 2025, behind only Rocket Mortgage and United Wholesale Mortgage, after a year of gaining share.
Growing faster than its peers
It made 124 loans, 20% more than in 2024, while similar lenders (state non-member banks making between half and twice as many loans) grew 9% and the whole market 10%. That is still below the 162 of 2020. Since 2018 its yearly count has stayed between 100 and 162.
Most loans in majority-minority areas
Majority-minority areas took 55.6% of its loans, against 6.0% at similar lenders, among the highest of them. Albany is its main market, and the neighborhoods it serves there may account for much of that.
Few lower-income borrowers
Low- and moderate-income (LMI) borrowers took 13.6% of its loans, against 27.9% at peers, lower than at nearly nine in ten. Refinances were 52.4% of its loans, and a book weighted toward existing owners is one possible reason. Its typical loan, $145,000, was smaller than peers' $175,000.
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
124 loans in 2025, against a peak of 162 in 2020.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Flint Community Bank took 134 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
52.4% of its 2025 loans were refinance loans; all were conventional loans.
Refinance 52.4% · Purchase 43.5% · Home improvement 4.0%
Conventional 100.0% · of 124 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
3 states, 7 metros, 17 counties
| State | Loans | Share |
|---|---|---|
| Georgia | 120 | 96.8% |
| Florida | 3 | 2.4% |
| Alabama | 1 | 0.8% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Albany | 109 |
| Athens-Clarke County | 1 |
| Auburn-Opelika | 1 |
| Columbus | 1 |
| Crestview-Fort Walton Beach-Destin | 1 |
| Macon-Bibb County | 1 |
| Panama City-Panama City Beach | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300KEFLY2A00BLQ60 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3341393 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 358074 | 2008–2017 |
Established 3 February 2006. Reported under HMDA 2008-2025.
Mergers, name changes, data editions and corrections: Flint Community Bank's data.
The data and the software behind these pages
Flint Community Bank's data
$215
Flint Community 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 Flint Community 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]