Applications / Mortgage Analytics / Lenders / Georgia / BankSouth Mortgage Company
Greensboro, GA · Non-bank subsidiary of a bank · CFPB · 2,062 loans in 2025
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2,062
loans originated, 2025
2,553
applications, 2025
11
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
BankSouth Mortgage Company, a bank-owned Georgia purchase lender with a large book of government-backed loans, shrank 13% in 2025 while similar lenders held steady.
It made 2,062 loans, down from 2,368, while similar lenders (non-bank subsidiaries of banks making between half and twice as many loans) were flat and the whole market grew 10%. None of the 11 shrank faster. The decline is long: it made 6,779 loans in 2020 and 4,494 in 2018. The record does not say why.
Purchases made up 92.4% of its loans. 28.8% were insured by the Federal Housing Administration (FHA), against 10.4% at similar lenders, and 8.4% were guaranteed by the Department of Veterans Affairs, against 4.5%. Its FHA share has more than doubled since 2020, when it was 11.4%.
Its typical rate, 6.38%, was lower than at about nine in ten similar lenders, whose typical rate was 6.50%. Only 0.9% of its loans were higher-priced (a rate well above the average for similar loans), close to the peers' 1.1%.
It ranked 10 of 238 lenders in Valdosta and 19 of 892 in Atlanta, where United Wholesale Mortgage led. Its Valdosta share slipped to 2.9% from 3.3%, which may simply reflect its smaller lending overall.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. BankSouth Mortgage Company took 2,553 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 92.4% · Refinance 7.1% · Other 0.4% · Home improvement 0.1%
Conventional 61.4% · FHA 28.8% · VA 8.4% · USDA (RHS or FSA) 1.3% · of 2,062 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 | 1,937 | 93.9% |
| South Carolina | 41 | 2.0% |
| Florida | 31 | 1.5% |
| Tennessee | 30 | 1.5% |
| Alabama | 10 | 0.5% |
| North Carolina | 8 | 0.4% |
| Colorado | 1 | 0.0% |
| Louisiana | 1 | 0.0% |
| Mississippi | 1 | 0.0% |
| Texas | 1 | 0.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Atlanta-Sandy Springs-Roswell | 863 |
| Marietta | 431 |
| Savannah | 123 |
| Valdosta | 97 |
| Athens-Clarke County | 52 |
| Gainesville | 30 |
| Augusta-Richmond County | 28 |
| Chattanooga | 23 |
| Hinesville | 19 |
| Rome | 19 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300ZN5MIVRMVHJS09 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 4346818 | 2017–2023 |
| Respondent ID (the HMDA filer code before 2018) | 1274370581 |
Established 27 August 2010. Reported under HMDA 2017-2025.
Mergers, name changes, data editions and corrections: BankSouth Mortgage Company's data.
BankSouth Mortgage Company's data
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