Applications / Mortgage Analytics / Lenders / Georgia / Georgia Banking Company
Atlanta, GA · State non-member bank · FDIC · $2.7 billion assets · 250 loans in 2025
Georgia Banking Company's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
250
loans originated, 2025
308
applications, 2025
12
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Georgia Banking Company buys far more mortgages than it makes: 939 bought against 250 originated in 2025.
It bought 939 loans in 2025, after 1,289 in 2024. Similar lenders, state non-member banks making between half and twice as many loans, typically bought none. Bought loans are the larger part of its mortgage business, which is unusual among its peers.
Its own originations rose 56% to 250, faster than at nearly all similar lenders, whose typical growth was 9%. Dollar volume rose from $49.6 million to $109.1 million. Its 2025 merger with Georgia Primary Bank may account for some of the rise. The count is still below the 425 of 2018.
Its typical loan, $255,000, was larger than at about four in five similar lenders. Jumbo loans (larger than the conforming limit) were 14.6% of the total, against 1.3% at peers. FHA loans (insured by the Federal Housing Administration) were 6.8% and VA loans (guaranteed by the Department of Veterans Affairs) 3.2%; most peers make neither.
Majority-minority neighborhoods took 32.0% of its loans, against 6.4% at similar lenders, higher than at about nine in ten. In Atlanta-Sandy Springs-Alpharetta, its largest market, where it has lent since 2005, it ranked 144 of 892. In Brunswick-St. Simons its share rose to 0.6%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Georgia Banking Company took 308 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 60.8% · Refinance 19.6% · Other 17.2% · Home improvement 2.4%
Conventional 90.0% · FHA 6.8% · VA 3.2% · of 250 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 | 178 | 71.2% |
| South Carolina | 24 | 9.6% |
| Alabama | 11 | 4.4% |
| Virginia | 11 | 4.4% |
| Florida | 7 | 2.8% |
| District of Columbia | 6 | 2.4% |
| Maryland | 5 | 2.0% |
| North Carolina | 3 | 1.2% |
| California | 2 | 0.8% |
| Colorado | 1 | 0.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Atlanta-Sandy Springs-Roswell | 121 |
| Marietta | 32 |
| Charleston-North Charleston | 16 |
| Washington | 6 |
| Gainesville | 5 |
| Baltimore-Columbia-Towson | 4 |
| Anniston-Oxford | 3 |
| Athens-Clarke County | 2 |
| Cape Coral-Fort Myers | 2 |
| Charlotte-Concord-Gastonia | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493001P6QB5ISAUNV97 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3016347 | 2005–2023 |
| Respondent ID (the HMDA filer code before 2018) | 357071 | 2005–2017 |
Established 1 November 2001. Reported under HMDA 2005-2025.
Mergers, name changes, data editions and corrections: Georgia Banking Company's data.
Georgia Banking Company's data
$215
Georgia Banking Company 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 Georgia Banking Company'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]