Applications / Mortgage Analytics / Lenders / Georgia / Bank of Dawson
Dawson, GA · State non-member bank · FDIC · $158 million assets · 51 loans in 2025
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51
loans originated, 2025
57
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Bank of Dawson, a small Georgia bank, does most of its lending in majority-minority neighborhoods, and its loans are smaller than at nearly every similar bank.
Refinances made up 70.6% of its loans, all conventional. Its typical loan was $55,000, against $165,000 at similar lenders (state non-member banks making between half and twice as many loans), lower than at nearly all of them. Manufactured homes, 21.6% of its loans against 2.5% at peers, may explain much of the gap.
Majority-minority neighborhoods took 68.6% of its loans, against 6.0% at peers. Low- and moderate-income (LMI) neighborhoods took 56.0%, against 18.5%. Both shares were higher than at almost all similar lenders. One possible reason is its market: 11 Georgia counties where such neighborhoods may make up much of the housing.
It made 51 loans in both 2024 and 2025, while similar lenders grew by 5%. Its dollar total fell to $5.7 million from $10.3 million; it may have made fewer large loans. It filed no reports for 2020 to 2022.
In Albany, GA it ranked 24 of 212 lenders with 1.0% of the market, unchanged; Rocket Mortgage led. It has lent there since 2004.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Bank of Dawson took 57 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 70.6% · Purchase 19.6% · Home improvement 9.8%
Conventional 100.0% · of 51 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 | 51 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Albany | 36 |
| Atlanta-Sandy Springs-Roswell | 1 |
| Columbus | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300NFFZ9YOVNMJO35 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 193537 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 3876 | 2004–2017 |
Established 1 July 1911. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: Bank of Dawson's data.
Bank of Dawson's data
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