Colony Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2020
Colony Bank 2020 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Colony Bank 302 South Main St. Fitzgerald, GA 31750 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,992 |
| Total Mortgage Loan Application Amount | $400,230,000 |
| Average Mortgage Loan Application Amount | $173,000 |
| Highest Mortgage Loan Application Amount | $2,495,000 |
| Average Applicant Income | $107,200 |
| Highest Applicant Income | $2,309,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2020 with Colony Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Colony Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2020 breaks down Colony Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Colony Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Colony Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Colony Bank's mortgage activity for 2020.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Troup County Georgia | 231 | $ 43,755,000 | $ 189,000 | $ 102,000 |
| Houston County Georgia | 185 | $ 36,155,000 | $ 195,000 | $ 88,000 |
| Columbia County Georgia | 142 | $ 39,760,000 | $ 280,000 | $ 124,000 |
| Bibb County Georgia | 129 | $ 18,715,000 | $ 145,000 | $ 67,000 |
| Chatham County Georgia | 125 | $ 35,495,000 | $ 283,000 | $ 156,000 |
| Lowndes County Georgia | 78 | $ 17,030,000 | $ 218,000 | $ 84,000 |
| Coweta County Georgia | 61 | $ 18,205,000 | $ 298,000 | $ 125,000 |
| Dougherty County Georgia | 60 | $ 8,680,000 | $ 144,000 | $ 123,000 |
| Tift County Georgia | 49 | $ 6,805,000 | $ 138,000 | $ 96,000 |
| Muscogee County Georgia | 46 | $ 8,960,000 | $ 194,000 | $ 148,000 |
| Ben Hill County Georgia | 42 | $ 2,690,000 | $ 64,000 | $ 113,000 |
| Jones County Georgia | 37 | $ 6,455,000 | $ 174,000 | $ 64,000 |
| Lee County Georgia | 34 | $ 7,170,000 | $ 210,000 | $ 102,000 |
| Bryan County Georgia | 33 | $ 7,645,000 | $ 231,000 | $ 103,000 |
| Toombs County Georgia | 33 | $ 6,965,000 | $ 211,000 | $ 134,000 |
| Colquitt County Georgia | 32 | $ 3,240,000 | $ 101,000 | $ 60,000 |
| Coffee County Georgia | 30 | $ 4,010,000 | $ 133,000 | $ 111,000 |
| Richmond County Georgia | 30 | $ 6,330,000 | $ 211,000 | $ 87,000 |
| Aiken County South Carolina | 30 | $ 6,600,000 | $ 220,000 | $ 92,000 |
| Crisp County Georgia | 27 | $ 5,605,000 | $ 207,000 | $ 88,000 |
| Laurens County Georgia | 26 | $ 3,210,000 | $ 123,000 | $ 67,000 |
| Effingham County Georgia | 21 | $ 4,595,000 | $ 218,000 | $ 95,000 |
| Bulloch County Georgia | 20 | $ 3,560,000 | $ 178,000 | $ 87,000 |
| Monroe County Georgia | 20 | $ 5,430,000 | $ 271,000 | $ 120,000 |
| Brooks County Georgia | 19 | $ 2,075,000 | $ 109,000 | $ 79,000 |
| Oconee County Georgia | 19 | $ 5,355,000 | $ 281,000 | $ 115,000 |
| Wilcox County Georgia | 18 | $ 2,070,000 | $ 115,000 | $ 80,000 |
| Putnam County Georgia | 17 | $ 4,175,000 | $ 245,000 | $ 151,000 |
| Dodge County Georgia | 16 | $ 1,050,000 | $ 65,000 | $ 75,000 |
| Meriwether County Georgia | 16 | $ 2,550,000 | $ 159,000 | $ 224,000 |
| Lee County Alabama | 15 | $ 2,915,000 | $ 194,000 | $ 174,000 |
| Baldwin County Georgia | 15 | $ 2,865,000 | $ 191,000 | $ 81,000 |
| Clarke County Georgia | 15 | $ 3,285,000 | $ 219,000 | $ 70,000 |
| Peach County Georgia | 15 | $ 2,695,000 | $ 179,000 | $ 97,000 |
| Worth County Georgia | 14 | $ 1,670,000 | $ 119,000 | $ 78,000 |
| Harris County Georgia | 13 | $ 3,695,000 | $ 284,000 | $ 206,000 |
| Cook County Georgia | 12 | $ 1,050,000 | $ 87,000 | $ 117,000 |
| Fulton County Georgia | 11 | $ 3,005,000 | $ 273,000 | $ 131,000 |
| DeKalb County Georgia | 10 | $ 3,080,000 | $ 308,000 | $ 182,000 |
| Gwinnett County Georgia | 9 | $ 2,945,000 | $ 327,000 | $ 105,000 |
| Irwin County Georgia | 9 | $ 915,000 | $ 101,000 | $ 59,000 |
| Turner County Georgia | 9 | $ 705,000 | $ 78,000 | $ 96,000 |
| Cobb County Georgia | 7 | $ 1,935,000 | $ 276,000 | $ 114,000 |
| Hall County Georgia | 7 | $ 1,805,000 | $ 257,000 | $ 74,000 |
| Heard County Georgia | 7 | $ 2,025,000 | $ 289,000 | $ 138,000 |
| Upson County Georgia | 7 | $ 555,000 | $ 79,000 | $ 96,000 |
| Barrow County Georgia | 6 | $ 1,290,000 | $ 215,000 | $ 68,000 |
| Carroll County Georgia | 6 | $ 1,890,000 | $ 315,000 | $ 124,000 |
| Montgomery County Georgia | 6 | $ 1,480,000 | $ 246,000 | $ 148,000 |
| Treutlen County Georgia | 6 | $ 600,000 | $ 100,000 | $ 73,000 |
| Edgefield County South Carolina | 6 | $ 1,790,000 | $ 298,000 | $ 90,000 |
| Chambers County Alabama | 5 | $ 825,000 | $ 165,000 | $ 66,000 |
| Randolph County Alabama | 5 | $ 1,065,000 | $ 213,000 | $ 117,000 |
| Russell County Alabama | 5 | $ 245,000 | $ 49,000 | $ 50,000 |
| Bartow County Georgia | 5 | $ 1,555,000 | $ 311,000 | $ 174,000 |
| Bleckley County Georgia | 5 | $ 365,000 | $ 73,000 | $ 47,000 |
| Nassau County Florida | 4 | $ 1,800,000 | $ 450,000 | $ 406,000 |
| Dooly County Georgia | 4 | $ 370,000 | $ 92,000 | $ 77,000 |
| Fayette County Georgia | 4 | $ 1,560,000 | $ 390,000 | $ 293,000 |
| Jeff Davis County Georgia | 4 | $ 460,000 | $ 115,000 | $ 64,000 |
| Pulaski County Georgia | 4 | $ 550,000 | $ 137,000 | $ 67,000 |
| Baldwin County Alabama | 3 | $ 785,000 | $ 261,000 | $ 278,000 |
| Crawford County Georgia | 3 | $ 365,000 | $ 121,000 | $ 44,000 |
| Douglas County Georgia | 3 | $ 825,000 | $ 275,000 | $ 113,000 |
| Hancock County Georgia | 3 | $ 785,000 | $ 261,000 | $ 328,000 |
| Henry County Georgia | 3 | $ 925,000 | $ 308,000 | $ 92,000 |
| Liberty County Georgia | 3 | $ 695,000 | $ 231,000 | $ 57,000 |
| McDuffie County Georgia | 3 | $ 905,000 | $ 301,000 | $ 117,000 |
| Paulding County Georgia | 3 | $ 925,000 | $ 308,000 | $ 122,000 |
| Sumter County Georgia | 3 | $ 375,000 | $ 125,000 | $ 105,000 |
| Terrell County Georgia | 3 | $ 325,000 | $ 108,000 | $ 112,000 |
| Thomas County Georgia | 3 | $ 385,000 | $ 128,000 | $ 62,000 |
| Twiggs County Georgia | 3 | $ 585,000 | $ 195,000 | $ 78,000 |
| Mobile County Alabama | 2 | $ 70,000 | $ 35,000 | $ 135,000 |
| Bay County Florida | 2 | $ 500,000 | $ 250,000 | $ 258,000 |
| St. Johns County Florida | 2 | $ 760,000 | $ 380,000 | $ 205,000 |
| Appling County Georgia | 2 | $ 130,000 | $ 65,000 | $ 42,000 |
| Cherokee County Georgia | 2 | $ 560,000 | $ 280,000 | $ 216,000 |
| Floyd County Georgia | 2 | $ 340,000 | $ 170,000 | $ 63,000 |
| Glynn County Georgia | 2 | $ 530,000 | $ 265,000 | $ 226,000 |
| Lanier County Georgia | 2 | $ 130,000 | $ 65,000 | $ 36,000 |
| Lincoln County Georgia | 2 | $ 880,000 | $ 440,000 | $ 272,000 |
| Lumpkin County Georgia | 2 | $ 360,000 | $ 180,000 | $ 113,000 |
| Pike County Georgia | 2 | $ 270,000 | $ 135,000 | $ 125,000 |
| Telfair County Georgia | 2 | $ 360,000 | $ 180,000 | $ 121,000 |
| Ware County Georgia | 2 | $ 80,000 | $ 40,000 | $ 0 |
| Lexington County South Carolina | 2 | $ 350,000 | $ 175,000 | $ 37,000 |
| Cherokee County Alabama | 1 | $ 985,000 | $ 985,000 | $ 0 |
| Henry County Alabama | 1 | $ 245,000 | $ 245,000 | $ 178,000 |
| Jefferson County Alabama | 1 | $ 325,000 | $ 325,000 | $ 96,000 |
| Morgan County Alabama | 1 | $ 145,000 | $ 145,000 | $ 122,000 |
| Alachua County Florida | 1 | $ 215,000 | $ 215,000 | $ 146,000 |
| Brevard County Florida | 1 | $ 185,000 | $ 185,000 | $ 80,000 |
| Clay County Florida | 1 | $ 175,000 | $ 175,000 | $ 80,000 |
| Columbia County Florida | 1 | $ 195,000 | $ 195,000 | $ 80,000 |
| Franklin County Florida | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Hillsborough County Florida | 1 | $ 285,000 | $ 285,000 | $ 0 |
| Leon County Florida | 1 | $ 165,000 | $ 165,000 | $ 86,000 |
| Madison County Florida | 1 | $ 75,000 | $ 75,000 | $ 18,000 |
| Pasco County Florida | 1 | $ 205,000 | $ 205,000 | $ 123,000 |
| Walton County Florida | 1 | $ 355,000 | $ 355,000 | $ 213,000 |
| Berrien County Georgia | 1 | $ 35,000 | $ 35,000 | $ 184,000 |
| Burke County Georgia | 1 | $ 125,000 | $ 125,000 | $ 49,000 |
| Charlton County Georgia | 1 | $ 55,000 | $ 55,000 | $ 183,000 |
| Clay County Georgia | 1 | $ 165,000 | $ 165,000 | $ 158,000 |
| Clayton County Georgia | 1 | $ 45,000 | $ 45,000 | $ 53,000 |
| Early County Georgia | 1 | $ 65,000 | $ 65,000 | $ 35,000 |
| Emanuel County Georgia | 1 | $ 205,000 | $ 205,000 | $ 382,000 |
| Gordon County Georgia | 1 | $ 145,000 | $ 145,000 | $ 77,000 |
| Grady County Georgia | 1 | $ 485,000 | $ 485,000 | $ 142,000 |
| Greene County Georgia | 1 | $ 165,000 | $ 165,000 | $ 37,000 |
| Habersham County Georgia | 1 | $ 225,000 | $ 225,000 | $ 31,000 |
| Jackson County Georgia | 1 | $ 295,000 | $ 295,000 | $ 83,000 |
| Jasper County Georgia | 1 | $ 455,000 | $ 455,000 | $ 137,000 |
| Jefferson County Georgia | 1 | $ 185,000 | $ 185,000 | $ 70,000 |
| Jenkins County Georgia | 1 | $ 45,000 | $ 45,000 | $ 66,000 |
| Lamar County Georgia | 1 | $ 195,000 | $ 195,000 | $ 119,000 |
| McIntosh County Georgia | 1 | $ 295,000 | $ 295,000 | $ 131,000 |
| Morgan County Georgia | 1 | $ 245,000 | $ 245,000 | $ 74,000 |
| Oglethorpe County Georgia | 1 | $ 305,000 | $ 305,000 | $ 143,000 |
| Rabun County Georgia | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Randolph County Georgia | 1 | $ 55,000 | $ 55,000 | $ 42,000 |
| Rockdale County Georgia | 1 | $ 125,000 | $ 125,000 | $ 72,000 |
| Seminole County Georgia | 1 | $ 85,000 | $ 85,000 | $ 97,000 |
| Stephens County Georgia | 1 | $ 245,000 | $ 245,000 | $ 150,000 |
| Talbot County Georgia | 1 | $ 195,000 | $ 195,000 | $ 107,000 |
| Tattnall County Georgia | 1 | $ 95,000 | $ 95,000 | $ 41,000 |
| Walton County Georgia | 1 | $ 195,000 | $ 195,000 | $ 51,000 |
| Wheeler County Georgia | 1 | $ 195,000 | $ 195,000 | $ 141,000 |
| White County Georgia | 1 | $ 1,015,000 | $ 1,015,000 | $ 0 |
| Lincoln County Montana | 1 | $ 75,000 | $ 75,000 | $ 214,000 |
| Transylvania County North Carolina | 1 | $ 145,000 | $ 145,000 | $ 171,000 |
| McClain County Oklahoma | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Charleston County South Carolina | 1 | $ 455,000 | $ 455,000 | $ 219,000 |
| Greenville County South Carolina | 1 | $ 75,000 | $ 75,000 | $ 106,000 |
| McCormick County South Carolina | 1 | $ 595,000 | $ 595,000 | $ 616,000 |
| Saluda County South Carolina | 1 | $ 165,000 | $ 165,000 | $ 47,000 |
| Blount County Tennessee | 1 | $ 305,000 | $ 305,000 | $ 89,000 |
| Polk County Tennessee | 1 | $ 175,000 | $ 175,000 | $ 40,000 |
Mortgage Loan Application Detail Totals for Colony Bank in 2020
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 1,165 | $230,615,000 | $197,000 | $1,195,000 | $93,000 | $1,513,000 |
| Refinancing | 634 | $131,430,000 | $207,000 | $2,495,000 | $139,000 | $2,309,000 |
| Cash-out Refinancing | 169 | $35,125,000 | $207,000 | $515,000 | $113,000 | $1,004,000 |
| Home Improvement | 12 | $1,300,000 | $108,000 | $515,000 | $113,000 | $450,000 |
| Other Purpose | 12 | $1,760,000 | $146,000 | $505,000 | $78,000 | $163,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 1,371 | $278,975,000 | $203,000 | $1,725,000 | $112,000 | $2,309,000 |
| Black or African American | 212 | $35,400,000 | $166,000 | $755,000 | $75,000 | $600,000 |
| Not Provided | 197 | $42,625,000 | $216,000 | $765,000 | $108,000 | $1,236,000 |
| Not applicable | 118 | $24,280,000 | $205,000 | $2,495,000 | $0 | $0 |
| Hispanic | 45 | $6,965,000 | $154,000 | $425,000 | $68,000 | $171,000 |
| Asian | 32 | $8,300,000 | $259,000 | $455,000 | $162,000 | $1,777,000 |
| American Indian or Alaskan Native | 7 | $1,415,000 | $202,000 | $385,000 | $77,000 | $159,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $565,000 | $188,000 | $265,000 | $69,000 | $116,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 1,434 | $292,980,000 | $204,000 | $2,495,000 | $125,000 | $2,309,000 |
| FHA-insured (Federal Housing Administration) | 250 | $39,430,000 | $157,000 | $335,000 | $55,000 | $165,000 |
| VA-guaranteed (Veterans Administration) | 208 | $53,150,000 | $255,000 | $1,195,000 | $91,000 | $600,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 100 | $14,670,000 | $146,000 | $305,000 | $51,000 | $94,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 1,703 | $341,705,000 | $200,000 | $2,495,000 | $108,000 | $2,309,000 |
| Application Withdrawn By Applicant | 170 | $34,730,000 | $204,000 | $735,000 | $107,000 | $840,000 |
| Application Denied By Financial Institution | 66 | $12,180,000 | $184,000 | $825,000 | $87,000 | $650,000 |
| Application Approved But Not Accepted | 39 | $8,455,000 | $216,000 | $745,000 | $124,000 | $1,004,000 |
| File Closed For Incompleteness | 14 | $3,160,000 | $225,000 | $495,000 | $107,000 | $285,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 1,926 | $388,050,000 | $201,000 | $2,495,000 | $108,000 | $2,309,000 |
| Debt-To-Income Ratio | 26 | $5,910,000 | $227,000 | $825,000 | $87,000 | $355,000 |
| Credit History | 12 | $2,070,000 | $172,000 | $515,000 | $132,000 | $650,000 |
| Collateral | 8 | $1,240,000 | $155,000 | $395,000 | $99,000 | $165,000 |
| Other | 7 | $1,175,000 | $167,000 | $265,000 | $78,000 | $146,000 |
| Unverifiable Information | 6 | $1,030,000 | $171,000 | $295,000 | $46,000 | $102,000 |
| Employment History | 6 | $660,000 | $110,000 | $175,000 | $44,000 | $120,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $95,000 | $95,000 | $95,000 | $72,000 | $72,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Colony Bank's 2020 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Colony Bank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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with aggregated HMDA statistics today.