Applications / Mortgage Analytics / Lenders / Georgia / Bank of Monticello
Monticello, GA · State non-member bank · FDIC · $158 million assets · 62 loans in 2025
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62
loans originated, 2025
66
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Bank of Monticello, a small Georgia bank, does most of its lending in poorer neighborhoods, mostly to refinance, with an unusually large share on manufactured homes.
Refinances were 79.0% of its loans, all conventional. Manufactured homes made up 17.7%, against 2.7% at similar lenders (state non-member banks making between half and twice as many loans), higher than about nine in ten of them. That may help explain why its typical loan, $95,000, was lower than about nine in ten peers'.
Low- and moderate-income (LMI) neighborhoods took 72.4% of its loans, against 18.6% at peers, among the highest of them. LMI borrowers took 46.0%, higher than about nine in ten peers. Majority-minority areas took a share near the middle.
It made 62 loans in both 2024 and 2025, while similar lenders grew 8% and the whole market 10%. It made 84 in 2023. The bank filed no HMDA report for 2021 or 2022, so those years are a gap in the record.
In Atlanta-Sandy Springs-Alpharetta it ranked 360 of 892 lenders, and in Macon-Bibb County 302 of 328. It first reported loans in Naples-Marco Island in 2023.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Monticello took 66 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 79.0% · Purchase 16.1% · Other 3.2% · Home improvement 1.6%
Conventional 100.0% · of 62 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 | 61 | 98.4% |
| Florida | 1 | 1.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Atlanta-Sandy Springs-Roswell | 55 |
| Macon-Bibb County | 3 |
| Naples-Marco Island | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300TAFYLARKCKJ639 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 805335 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 32145 | 2004–2017 |
Established 1 January 1909. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: Bank of Monticello's data.
Bank of Monticello's data
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Bank of Monticello 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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