Applications / Mortgage Analytics / Lenders / Georgia / The Commercial Bank
Crawford, GA · State non-member bank · FDIC · $463 million assets · 107 loans in 2025
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107
loans originated, 2025
119
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The Commercial Bank, of Crawford, Georgia, ranks 13th of 316 lenders in the Athens market and lends more in poorer and majority-minority neighborhoods than most similar banks.
It held 1.6% of the Athens-Clarke County market in 2025, down from 1.8%, and ranked 13 of 316 lenders. The slip of 0.2 points came in a year when its own loans rose 15%, from 93 to 107, so it may reflect faster growth by others rather than any retreat. United Wholesale Mortgage leads that market. In 2025 it also made its first loans outside metro areas in South Carolina.
Some 29.9% of its loans were in low- and moderate-income neighborhoods, against 18.3% at similar lenders (state non-member banks making between half and twice as many loans), more than at about four in five of them. Some 23.4% were in majority-minority neighborhoods, against 6.1%. Some 34.7% went to low- and moderate-income borrowers, against 27.5%.
Refinancing made up 54.2% of its loans and purchases 40.2%. Every loan was conventional. Its typical loan, $185,000, was close to similar lenders' $175,000. Its loans peaked at 144 in 2021, fell to 84 in 2023 and have risen in each year since.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. The Commercial Bank took 119 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 54.2% · Purchase 40.2% · Home improvement 4.7% · Other 0.9%
Conventional 100.0% · of 107 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 | 105 | 98.1% |
| South Carolina | 2 | 1.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Athens-Clarke County | 74 |
| Atlanta-Sandy Springs-Roswell | 9 |
| Brunswick-St. Simons | 1 |
| Greenville-Anderson-Greer | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300TUT7EEMS8S2B86 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 469737 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 3175 | 2000–2017 |
Established 5 September 1924. Reported under HMDA 2000-2025.
Mergers, name changes, data editions and corrections: The Commercial Bank's data.
The Commercial Bank's data
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The Commercial 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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