Applications / Mortgage Analytics / Lenders / Georgia / Southern Bank
Sardis, GA · State non-member bank · FDIC · $371 million assets · 21 loans in 2025
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21
loans originated, 2025
31
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Southern Bank, of Sardis, Georgia, is a small lender whose home lending has kept shrinking since it returned to the public record in 2023.
Southern Bank filed no report for 2020, 2021 or 2022; since 2020 a bank making fewer than 100 closed-end loans a year need not report. It made 76 loans in 2018 and 66 in 2019. Since it reappeared, its count has fallen from 31 in 2023 to 25 and then 21 in 2025.
With 21 loans, its shares of each kind of loan or borrower rest on a handful of cases. Similar lenders, state non-member banks making between half and twice as many loans, made 30 at the middle. Every loan was conventional, as at most of those peers.
More of its lending now lies in South Carolina than in Georgia, its home state. It entered Charleston in 2025 and ranks 186 of 617 lenders there; Wells Fargo Bank leads the market. In Augusta, where it has lent since 1997, it ranks 154 of 461.
The bank was Bank of Sardis until 1987, then Bank of Burke County, and has been Southern Bank since 2001. Its first report under the mortgage-disclosure law came in 1997.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Southern Bank took 31 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 52.4% · Refinance 42.9% · Home improvement 4.8%
Conventional 100.0% · of 21 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 |
|---|---|---|
| South Carolina | 11 | 52.4% |
| Georgia | 10 | 47.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Augusta-Richmond County | 13 |
| Charleston-North Charleston | 2 |
| Charlotte-Concord-Gastonia | 1 |
| Columbus | 1 |
| Greenville-Anderson-Greer | 1 |
| Spartanburg | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300MQKEHKJXUWM405 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 307334 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 316288 | 1997–2017 |
Established 2 July 1945. Reported under HMDA 1997-2025.
Mergers, name changes, data editions and corrections: Southern Bank's data.
Southern Bank's data
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