Applications / Mortgage Analytics / Lenders / Georgia / South Georgia Banking Company
Omega, GA · State non-member bank · FDIC · $606 million assets · 141 loans in 2025
South Georgia Banking Company's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
141
loans originated, 2025
164
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
South Georgia Banking Company, a bank in Omega, makes some of the smallest home loans of any similar bank, and most of them are refinances.
Its typical loan in 2025 was $75,000, against $175,000 at similar banks (state non-member banks making between half and twice as many loans). That is smaller than at nearly all of them, though up from $45,000 in 2024. Manufactured homes, which cost less than site-built houses, may be part of the reason: they made up 19.9% of its loans, against 3.0% at its peers.
Refinances made up 63.1% of its loans and home purchases only 29.8%. Every loan was conventional, with none backed by a government agency, and none was jumbo.
Of its loans, 28.4% were in majority-minority neighborhoods, against 5.1% at the typical peer, higher than at more than four in five of them. It also lent more to low- and moderate-income borrowers: 36.0%, against 28.0%, higher than about three in four similar banks.
It first reported under the mortgage-disclosure law in 2021, with 196 loans, and between 133 and 142 a year since. In Albany, its largest metro market, it holds 0.4% and ranks 42 of 212 lenders.
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, 2021–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. South Georgia Banking Company took 164 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 63.1% · Purchase 29.8% · Home improvement 5.7% · Other 1.4%
Conventional 100.0% · of 141 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 | 140 | 99.3% |
| Florida | 1 | 0.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Albany | 16 |
| Savannah | 2 |
| Panama City-Panama City Beach | 1 |
| Valdosta | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493008P3PCRZRS39T50 | 2021–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 767732 | 2022–2023 |
Established 14 June 1937. Reported under HMDA 2021-2025.
Mergers, name changes, data editions and corrections: South Georgia Banking Company's data.
South Georgia Banking Company's data
$215
South Georgia Banking Company 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 South Georgia Banking Company'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]