Applications / Mortgage Analytics / Lenders / Georgia / Georgia Community Bank
Albany, GA · State non-member bank · FDIC · $380 million assets · 361 loans in 2025
Georgia Community Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
361
loans originated, 2025
372
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Georgia Community Bank makes the smallest typical loan of any similar lender, $65,000, and ranks sixth of 212 lenders in Albany, GA.
Refinances made up 67.3% of its loans and purchases 21.3%. At similar lenders (state non-member banks making between half and twice as many loans) the typical loan was $180,000. Manufactured homes took 17.7% of its loans, against 2.0%. So it made more loans than most similar lenders but lent fewer dollars, $36.1 million.
Majority-minority neighborhoods took 46.3% of its loans, against 6.7% at similar lenders, and low- and moderate-income (LMI) neighborhoods 27.6%, against 16.5%. Both shares were higher than at more than four in five similar lenders. It turned down 1.0% of refinance applications, lower than at any similar lender with a rate.
It has lent in Albany since 2003. Its share there fell 1.2 points, to 4.6%. Its dollar total fell even as its loan count rose 5%. Faster growth at other Albany lenders, or fewer of its larger loans in 2025, are possible reasons.
Its originations have roughly doubled since 2018, from 180 to 361. Its growth in 2025, 5%, was below the 9% at similar lenders and the 10% of the whole market.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Community Bank took 372 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 67.3% · Purchase 21.3% · Home improvement 6.4% · Other 5.0%
Conventional 100.0% · of 361 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 | 354 | 98.1% |
| Florida | 7 | 1.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Albany | 222 |
| Macon-Bibb County | 28 |
| Panama City-Panama City Beach | 4 |
| Atlanta-Sandy Springs-Roswell | 3 |
| Columbus | 2 |
| Warner Robins | 2 |
| Athens-Clarke County | 1 |
| Crestview-Fort Walton Beach-Destin | 1 |
| Dalton | 1 |
| Marietta | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300FKW6LAHX0L9161 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 2823221 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 335320 | 2003–2017 |
Established 31 August 1999. Reported under HMDA 2003-2025.
Mergers, name changes, data editions and corrections: Georgia Community Bank's data.
Georgia Community Bank's data
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Georgia 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.
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