Applications / Mortgage Analytics / Lenders / Georgia / Morris Bank
Dublin, GA · State non-member bank · FDIC · $1.5 billion assets · 142 loans in 2025
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142
loans originated, 2025
263
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Morris Bank, a Georgia bank, lends in majority-minority and poorer areas far more than similar lenders do, and it is making fewer but bigger loans.
Majority-minority areas took 30.3% of its loans, against 5.0% at similar lenders (state non-member banks making between half and twice as many loans), higher than at more than four in five. Low- and moderate-income (LMI) areas took 31.2%. Yet LMI borrowers took only 20.7%, against 28.1% at peers. One possibility is that it lends in lower-income areas to buyers whose own incomes sit above the LMI line.
Its count fell 8% to 142 while similar lenders grew 9%. Yet the amount it lent rose to $45.1 million from $26.9 million, as its typical loan rose to $140,000 from $115,000. It made 371 loans in 2020, when its typical loan was $85,000, so it may be shifting toward fewer, larger loans.
All its loans were conventional. Manufactured homes were 9.9% of its loans, against 3.0% at peers, and home improvement 11.3%.
Its share rose 0.2 points in Warner Robins, GA, to 0.4%, and in Savannah, GA, to 0.2%. In Macon-Bibb County, GA, it ranked 35 of 328 lenders with 0.6%, down 0.1 points, a few loans at its size.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Morris Bank took 263 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 54.9% · Refinance 26.8% · Home improvement 11.3% · Other 7.0%
Conventional 100.0% · of 142 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 | 137 | 96.5% |
| Florida | 4 | 2.8% |
| North Carolina | 1 | 0.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Macon-Bibb County | 29 |
| Warner Robins | 25 |
| Savannah | 3 |
| Athens-Clarke County | 2 |
| Jacksonville | 2 |
| Albany | 1 |
| Atlanta-Sandy Springs-Roswell | 1 |
| Deltona-Daytona Beach-Ormond Beach | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900VA7WQ1PZGYI558 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 423739 | 2013–2023 |
| Respondent ID (the HMDA filer code before 2018) | 317910 | 2013–2017 |
Established 29 November 1954. Reported under HMDA 2013-2025.
Mergers, name changes, data editions and corrections: Morris Bank's data.
Morris Bank's data
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