Applications / Mortgage Analytics / Lenders / Georgia / Bank of Madison
Madison, GA · State non-member bank · FDIC · $426 million assets · 60 loans in 2025
Bank of Madison's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
60
loans originated, 2025
74
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Bank of Madison, a small Georgia bank, is spreading out: its loans rose 25% in 2025, to 60, and it made its first loans in four new metros.
Originations rose from 48 to 60. Similar lenders (state non-member banks making between half and twice as many loans) grew 8% and the whole market 10%, so Bank of Madison grew faster than about seven in ten peers. It filed no HMDA report for 2020 to 2022; those years are a gap in the record, not years without lending.
Its typical loan was $205,000, against $170,000 at peers. It made slightly fewer loans than a typical peer but lent more in total, $20.7 million. Refinances were 55.0% of its loans, all conventional, and manufactured homes 8.3%, against 2.6% at peers.
Majority-minority areas took 15.0% of its loans, against 6.5% at peers, higher than about two-thirds of them. Borrowers with low and moderate incomes (LMI) took 22.9%, against peers' 26.9%. That may reflect its larger loans.
In Athens-Clarke County it ranked 71 of 316 lenders with 0.2%, up 0.1 points. In 2025 it made its first loans in Tuscaloosa, Tallahassee, Panama City-Panama City Beach and Birmingham, each a very small share of those markets.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Madison took 74 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 55.0% · Purchase 43.3% · Other 1.7%
Conventional 100.0% · of 60 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 | 55 | 91.7% |
| Alabama | 2 | 3.3% |
| Florida | 2 | 3.3% |
| North Carolina | 1 | 1.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Atlanta-Sandy Springs-Roswell | 35 |
| Athens-Clarke County | 4 |
| Augusta-Richmond County | 2 |
| Birmingham | 1 |
| Marietta | 1 |
| Panama City-Panama City Beach | 1 |
| Tallahassee | 1 |
| Tuscaloosa | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 2549006SH1GKAA6QVG47 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 752831 | 2005–2023 |
| Respondent ID (the HMDA filer code before 2018) | 3148 | 2005–2017 |
Established 1 January 1890. Reported under HMDA 2005-2025.
Mergers, name changes, data editions and corrections: Bank of Madison's data.
Bank of Madison's data
$215
Bank of Madison 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 Bank of Madison'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]