Applications / Mortgage Analytics / Lenders / Georgia / Sunmark Community Bank
Perry, GA · State non-member bank · FDIC · $399 million assets · 137 loans in 2025
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137
loans originated, 2025
153
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Sunmark Community Bank, a small Georgia bank, is mainly a refinance lender, and it makes more than a third of its home loans in majority-minority neighborhoods, a far larger share than similar banks.
Refinancing made up 73.7% of its loans in 2025 and purchases only 24.1%. Its typical loan, $105,000, is smaller than at nearly nine in ten similar lenders (state non-member banks making between half and twice as many loans), whose typical loan is $175,000. All its loans were conventional.
It made 38.7% of its loans in majority-minority neighborhoods, against 5.1% at the typical peer, a higher share than about nine in ten of them. The share has risen from 22.4% in 2020. It also made 28.1% of its loans in low- and moderate-income (LMI) neighborhoods, against 17.5% at its peers. The neighborhoods it serves, around Warner Robins and Macon, may account for both figures.
Its loans rose 28%, from 107 to 137, faster than about three in four similar lenders, which grew 9%, and the whole market, which grew 10%. With so few loans, a few dozen more make a large percentage. It made between 203 and 223 loans a year from 2018 to 2021.
Warner Robins is its main market, where it has lent since 1998. Its share rose from 0.7% to 1.1%, placing it 19th of 299 lenders. Elsewhere, from Macon to Jacksonville, it is a minor presence.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Sunmark Community Bank took 153 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 73.7% · Purchase 24.1% · Home improvement 1.5% · Other 0.7%
Conventional 100.0% · of 137 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 | 131 | 95.6% |
| Florida | 4 | 2.9% |
| North Carolina | 2 | 1.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Warner Robins | 90 |
| Macon-Bibb County | 10 |
| Atlanta-Sandy Springs-Roswell | 1 |
| Brunswick-St. Simons | 1 |
| Columbus | 1 |
| Crestview-Fort Walton Beach-Destin | 1 |
| Jacksonville | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493002W6KWD0REQ1T16 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 100236 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 316825 | 1998–2017 |
Established 27 August 1949. Reported under HMDA 1998-2025.
Mergers, name changes, data editions and corrections: Sunmark Community Bank's data.
Sunmark Community Bank's data
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Sunmark Community 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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