Colony Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2021
Colony Bank 2021 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 | 2,277 |
| Total Mortgage Loan Application Amount | $543,035,000 |
| Average Mortgage Loan Application Amount | $208,800 |
| Highest Mortgage Loan Application Amount | $6,445,000 |
| Average Applicant Income | $139,200 |
| Highest Applicant Income | $1,766,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2021 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 2021 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 2021.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Chatham County Georgia | 241 | $ 72,095,000 | $ 299,000 | $ 140,000 |
| Columbia County Georgia | 238 | $ 74,840,000 | $ 314,000 | $ 123,000 |
| Troup County Georgia | 181 | $ 38,465,000 | $ 212,000 | $ 108,000 |
| Houston County Georgia | 168 | $ 37,880,000 | $ 225,000 | $ 103,000 |
| Dougherty County Georgia | 102 | $ 23,670,000 | $ 232,000 | $ 85,000 |
| Lee County Georgia | 86 | $ 16,500,000 | $ 191,000 | $ 87,000 |
| Aiken County South Carolina | 81 | $ 17,985,000 | $ 222,000 | $ 80,000 |
| Lowndes County Georgia | 77 | $ 15,815,000 | $ 205,000 | $ 84,000 |
| Bibb County Georgia | 73 | $ 15,035,000 | $ 205,000 | $ 103,000 |
| Richmond County Georgia | 67 | $ 13,685,000 | $ 204,000 | $ 82,000 |
| Coweta County Georgia | 47 | $ 15,815,000 | $ 336,000 | $ 131,000 |
| Bryan County Georgia | 43 | $ 12,895,000 | $ 299,000 | $ 111,000 |
| Tift County Georgia | 41 | $ 8,155,000 | $ 198,000 | $ 86,000 |
| Ben Hill County Georgia | 35 | $ 2,405,000 | $ 68,000 | $ 88,000 |
| Effingham County Georgia | 33 | $ 7,985,000 | $ 241,000 | $ 88,000 |
| Bulloch County Georgia | 29 | $ 4,835,000 | $ 166,000 | $ 78,000 |
| Muscogee County Georgia | 29 | $ 6,045,000 | $ 208,000 | $ 84,000 |
| Toombs County Georgia | 28 | $ 5,230,000 | $ 186,000 | $ 68,000 |
| Coffee County Georgia | 27 | $ 2,515,000 | $ 93,000 | $ 119,000 |
| Jones County Georgia | 25 | $ 4,515,000 | $ 180,000 | $ 80,000 |
| Worth County Georgia | 25 | $ 3,355,000 | $ 134,000 | $ 81,000 |
| Colquitt County Georgia | 24 | $ 4,250,000 | $ 177,000 | $ 67,000 |
| Dodge County Georgia | 22 | $ 2,410,000 | $ 109,000 | $ 114,000 |
| Laurens County Georgia | 21 | $ 3,395,000 | $ 161,000 | $ 94,000 |
| Crisp County Georgia | 20 | $ 3,110,000 | $ 155,000 | $ 112,000 |
| Harris County Georgia | 19 | $ 7,205,000 | $ 379,000 | $ 144,000 |
| Turner County Georgia | 19 | $ 1,675,000 | $ 88,000 | $ 112,000 |
| Peach County Georgia | 18 | $ 4,120,000 | $ 228,000 | $ 106,000 |
| Fulton County Georgia | 17 | $ 6,585,000 | $ 387,000 | $ 131,000 |
| Putnam County Georgia | 15 | $ 4,035,000 | $ 269,000 | $ 171,000 |
| Baldwin County Georgia | 13 | $ 2,905,000 | $ 223,000 | $ 87,000 |
| Monroe County Georgia | 13 | $ 4,075,000 | $ 313,000 | $ 150,000 |
| Oconee County Georgia | 13 | $ 4,225,000 | $ 325,000 | $ 117,000 |
| Wilcox County Georgia | 13 | $ 755,000 | $ 58,000 | $ 82,000 |
| Chambers County Alabama | 12 | $ 2,560,000 | $ 213,000 | $ 89,000 |
| Carroll County Georgia | 12 | $ 3,010,000 | $ 250,000 | $ 118,000 |
| Liberty County Georgia | 12 | $ 5,330,000 | $ 444,000 | $ 96,000 |
| Brooks County Georgia | 11 | $ 1,625,000 | $ 147,000 | $ 110,000 |
| Cook County Georgia | 11 | $ 1,215,000 | $ 110,000 | $ 66,000 |
| Glynn County Georgia | 11 | $ 1,635,000 | $ 148,000 | $ 58,000 |
| Heard County Georgia | 10 | $ 2,250,000 | $ 225,000 | $ 123,000 |
| Edgefield County South Carolina | 10 | $ 2,930,000 | $ 293,000 | $ 98,000 |
| Clarke County Georgia | 9 | $ 1,695,000 | $ 188,000 | $ 77,000 |
| Cobb County Georgia | 9 | $ 2,885,000 | $ 320,000 | $ 119,000 |
| Montgomery County Georgia | 9 | $ 1,505,000 | $ 167,000 | $ 70,000 |
| Lee County Alabama | 8 | $ 2,620,000 | $ 327,000 | $ 180,000 |
| Russell County Alabama | 8 | $ 1,490,000 | $ 186,000 | $ 110,000 |
| Mitchell County Georgia | 8 | $ 1,060,000 | $ 132,000 | $ 100,000 |
| Irwin County Georgia | 7 | $ 585,000 | $ 83,000 | $ 62,000 |
| Meriwether County Georgia | 7 | $ 1,605,000 | $ 229,000 | $ 78,000 |
| Pulaski County Georgia | 7 | $ 1,085,000 | $ 155,000 | $ 74,000 |
| Walton County Florida | 6 | $ 2,440,000 | $ 406,000 | $ 250,000 |
| Berrien County Georgia | 6 | $ 930,000 | $ 155,000 | $ 69,000 |
| McDuffie County Georgia | 6 | $ 1,200,000 | $ 200,000 | $ 55,000 |
| Baldwin County Alabama | 5 | $ 925,000 | $ 185,000 | $ 441,000 |
| Barrow County Georgia | 5 | $ 1,105,000 | $ 221,000 | $ 77,000 |
| Burke County Georgia | 5 | $ 1,095,000 | $ 219,000 | $ 69,000 |
| DeKalb County Georgia | 5 | $ 1,775,000 | $ 355,000 | $ 109,000 |
| Hall County Georgia | 5 | $ 1,455,000 | $ 291,000 | $ 92,000 |
| Terrell County Georgia | 5 | $ 755,000 | $ 151,000 | $ 66,000 |
| Treutlen County Georgia | 5 | $ 535,000 | $ 107,000 | $ 55,000 |
| St. Johns County Florida | 4 | $ 2,050,000 | $ 512,000 | $ 119,000 |
| Gwinnett County Georgia | 4 | $ 1,080,000 | $ 270,000 | $ 82,000 |
| Jackson County Georgia | 4 | $ 900,000 | $ 225,000 | $ 74,000 |
| Lanier County Georgia | 4 | $ 940,000 | $ 235,000 | $ 111,000 |
| Polk County Georgia | 4 | $ 590,000 | $ 147,000 | $ 102,000 |
| Telfair County Georgia | 4 | $ 660,000 | $ 165,000 | $ 61,000 |
| Walton County Georgia | 4 | $ 920,000 | $ 230,000 | $ 103,000 |
| Appling County Georgia | 3 | $ 515,000 | $ 171,000 | $ 75,000 |
| Bleckley County Georgia | 3 | $ 645,000 | $ 215,000 | $ 103,000 |
| Candler County Georgia | 3 | $ 235,000 | $ 78,000 | $ 75,000 |
| Catoosa County Georgia | 3 | $ 1,245,000 | $ 415,000 | $ 669,000 |
| Fayette County Georgia | 3 | $ 1,385,000 | $ 461,000 | $ 192,000 |
| Floyd County Georgia | 3 | $ 4,425,000 | $ 1,475,000 | $ 74,000 |
| Gilmer County Georgia | 3 | $ 805,000 | $ 268,000 | $ 151,000 |
| Hancock County Georgia | 3 | $ 695,000 | $ 231,000 | $ 67,000 |
| Henry County Georgia | 3 | $ 1,225,000 | $ 408,000 | $ 125,000 |
| McIntosh County Georgia | 3 | $ 615,000 | $ 205,000 | $ 112,000 |
| Pike County Georgia | 3 | $ 1,245,000 | $ 415,000 | $ 138,000 |
| Taylor County Georgia | 3 | $ 235,000 | $ 78,000 | $ 53,000 |
| Beaufort County South Carolina | 3 | $ 605,000 | $ 201,000 | $ 128,000 |
| Greenville County South Carolina | 3 | $ 985,000 | $ 328,000 | $ 145,000 |
| Randolph County Alabama | 2 | $ 660,000 | $ 330,000 | $ 158,000 |
| Bay County Florida | 2 | $ 280,000 | $ 140,000 | $ 273,000 |
| Sumter County Florida | 2 | $ 470,000 | $ 235,000 | $ 117,000 |
| Cherokee County Georgia | 2 | $ 800,000 | $ 400,000 | $ 260,000 |
| Dooly County Georgia | 2 | $ 280,000 | $ 140,000 | $ 78,000 |
| Forsyth County Georgia | 2 | $ 540,000 | $ 270,000 | $ 69,000 |
| Lincoln County Georgia | 2 | $ 460,000 | $ 230,000 | $ 60,000 |
| Macon County Georgia | 2 | $ 410,000 | $ 205,000 | $ 57,000 |
| Morgan County Georgia | 2 | $ 540,000 | $ 270,000 | $ 114,000 |
| Spalding County Georgia | 2 | $ 130,000 | $ 65,000 | $ 152,000 |
| Tattnall County Georgia | 2 | $ 300,000 | $ 150,000 | $ 39,000 |
| Thomas County Georgia | 2 | $ 300,000 | $ 150,000 | $ 65,000 |
| Upson County Georgia | 2 | $ 380,000 | $ 190,000 | $ 118,000 |
| Washington County Georgia | 2 | $ 390,000 | $ 195,000 | $ 63,000 |
| Wayne County Georgia | 2 | $ 810,000 | $ 405,000 | $ 144,000 |
| Hamilton County Tennessee | 2 | $ 3,990,000 | $ 1,995,000 | $ 0 |
| Elmore County Alabama | 1 | $ 255,000 | $ 255,000 | $ 59,000 |
| Jefferson County Alabama | 1 | $ 245,000 | $ 245,000 | $ 65,000 |
| Mobile County Alabama | 1 | $ 85,000 | $ 85,000 | $ 140,000 |
| Tallapoosa County Alabama | 1 | $ 545,000 | $ 545,000 | $ 477,000 |
| Tuscaloosa County Alabama | 1 | $ 305,000 | $ 305,000 | $ 98,000 |
| El Paso County Colorado | 1 | $ 475,000 | $ 475,000 | $ 111,000 |
| Flagler County Florida | 1 | $ 515,000 | $ 515,000 | $ 463,000 |
| Franklin County Florida | 1 | $ 335,000 | $ 335,000 | $ 0 |
| Gulf County Florida | 1 | $ 165,000 | $ 165,000 | $ 128,000 |
| Jefferson County Florida | 1 | $ 125,000 | $ 125,000 | $ 116,000 |
| Lee County Florida | 1 | $ 315,000 | $ 315,000 | $ 60,000 |
| Leon County Florida | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Miami-Dade County Florida | 1 | $ 475,000 | $ 475,000 | $ 1,766,000 |
| Nassau County Florida | 1 | $ 205,000 | $ 205,000 | $ 63,000 |
| Okaloosa County Florida | 1 | $ 175,000 | $ 175,000 | $ 34,000 |
| Santa Rosa County Florida | 1 | $ 275,000 | $ 275,000 | $ 89,000 |
| Sarasota County Florida | 1 | $ 165,000 | $ 165,000 | $ 67,000 |
| St. Lucie County Florida | 1 | $ 295,000 | $ 295,000 | $ 120,000 |
| Volusia County Florida | 1 | $ 215,000 | $ 215,000 | $ 205,000 |
| Bacon County Georgia | 1 | $ 45,000 | $ 45,000 | $ 30,000 |
| Baker County Georgia | 1 | $ 75,000 | $ 75,000 | $ 240,000 |
| Banks County Georgia | 1 | $ 175,000 | $ 175,000 | $ 52,000 |
| Bartow County Georgia | 1 | $ 295,000 | $ 295,000 | $ 129,000 |
| Brantley County Georgia | 1 | $ 105,000 | $ 105,000 | $ 26,000 |
| Butts County Georgia | 1 | $ 235,000 | $ 235,000 | $ 46,000 |
| Charlton County Georgia | 1 | $ 455,000 | $ 455,000 | $ 126,000 |
| Chattooga County Georgia | 1 | $ 65,000 | $ 65,000 | $ 21,000 |
| Clay County Georgia | 1 | $ 175,000 | $ 175,000 | $ 95,000 |
| Douglas County Georgia | 1 | $ 255,000 | $ 255,000 | $ 46,000 |
| Evans County Georgia | 1 | $ 175,000 | $ 175,000 | $ 46,000 |
| Franklin County Georgia | 1 | $ 155,000 | $ 155,000 | $ 156,000 |
| Greene County Georgia | 1 | $ 225,000 | $ 225,000 | $ 147,000 |
| Jasper County Georgia | 1 | $ 115,000 | $ 115,000 | $ 124,000 |
| Long County Georgia | 1 | $ 295,000 | $ 295,000 | $ 84,000 |
| Newton County Georgia | 1 | $ 35,000 | $ 35,000 | $ 101,000 |
| Pierce County Georgia | 1 | $ 25,000 | $ 25,000 | $ 7,000 |
| Rabun County Georgia | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Rockdale County Georgia | 1 | $ 185,000 | $ 185,000 | $ 47,000 |
| Sumter County Georgia | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Talbot County Georgia | 1 | $ 255,000 | $ 255,000 | $ 53,000 |
| Towns County Georgia | 1 | $ 455,000 | $ 455,000 | $ 538,000 |
| Twiggs County Georgia | 1 | $ 645,000 | $ 645,000 | $ 180,000 |
| Ware County Georgia | 1 | $ 415,000 | $ 415,000 | $ 85,000 |
| Wheeler County Georgia | 1 | $ 85,000 | $ 85,000 | $ 111,000 |
| White County Georgia | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Whitfield County Georgia | 1 | $ 885,000 | $ 885,000 | $ 376,000 |
| Lincoln County Kentucky | 1 | $ 155,000 | $ 155,000 | $ 72,000 |
| Haywood County North Carolina | 1 | $ 135,000 | $ 135,000 | $ 79,000 |
| Anderson County South Carolina | 1 | $ 195,000 | $ 195,000 | $ 202,000 |
| Barnwell County South Carolina | 1 | $ 105,000 | $ 105,000 | $ 45,000 |
| Jasper County South Carolina | 1 | $ 265,000 | $ 265,000 | $ 130,000 |
| Lexington County South Carolina | 1 | $ 185,000 | $ 185,000 | $ 201,000 |
| McCormick County South Carolina | 1 | $ 445,000 | $ 445,000 | $ 119,000 |
| Oconee County South Carolina | 1 | $ 325,000 | $ 325,000 | $ 125,000 |
| Richland County South Carolina | 1 | $ 365,000 | $ 365,000 | $ 277,000 |
| Saluda County South Carolina | 1 | $ 165,000 | $ 165,000 | $ 103,000 |
| Van Buren County Tennessee | 1 | $ 295,000 | $ 295,000 | $ 64,000 |
Mortgage Loan Application Detail Totals for Colony Bank in 2021
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 | 1,467 | $360,165,000 | $245,000 | $2,275,000 | $101,000 | $1,766,000 |
| Refinancing | 531 | $124,095,000 | $233,000 | $6,445,000 | $131,000 | $1,057,000 |
| Cash-out Refinancing | 260 | $55,370,000 | $212,000 | $855,000 | $104,000 | $960,000 |
| Other Purpose | 10 | $2,110,000 | $211,000 | $545,000 | $203,000 | $538,000 |
| Home Improvement | 9 | $1,295,000 | $143,000 | $405,000 | $157,000 | $630,000 |
| 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 | 1,472 | $336,570,000 | $228,000 | $925,000 | $109,000 | $968,000 |
| Black or African American | 257 | $48,405,000 | $188,000 | $665,000 | $83,000 | $960,000 |
| Not Provided | 223 | $61,425,000 | $275,000 | $6,445,000 | $122,000 | $601,000 |
| Not applicable | 154 | $54,690,000 | $355,000 | $4,005,000 | $0 | $0 |
| Hispanic | 104 | $23,530,000 | $226,000 | $1,425,000 | $100,000 | $1,057,000 |
| Asian | 54 | $15,210,000 | $281,000 | $625,000 | $128,000 | $528,000 |
| American Indian or Alaskan Native | 12 | $3,180,000 | $265,000 | $545,000 | $299,000 | $1,766,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 1,663 | $400,835,000 | $241,000 | $6,445,000 | $119,000 | $1,766,000 |
| VA-guaranteed (Veterans Administration) | 279 | $80,745,000 | $289,000 | $1,315,000 | $102,000 | $601,000 |
| FHA-insured (Federal Housing Administration) | 270 | $50,600,000 | $187,000 | $375,000 | $66,000 | $329,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 65 | $10,855,000 | $167,000 | $265,000 | $52,000 | $84,000 |
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 | 1,890 | $452,940,000 | $239,000 | $6,445,000 | $108,000 | $1,766,000 |
| Application Withdrawn By Applicant | 230 | $56,320,000 | $244,000 | $1,425,000 | $114,000 | $968,000 |
| Application Denied By Financial Institution | 99 | $21,085,000 | $212,000 | $665,000 | $91,000 | $960,000 |
| Application Approved But Not Accepted | 40 | $8,620,000 | $215,000 | $545,000 | $107,000 | $497,000 |
| File Closed For Incompleteness | 15 | $3,555,000 | $237,000 | $545,000 | $95,000 | $267,000 |
| Loan Purchased By The Institution | 3 | $515,000 | $171,000 | $185,000 | $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 | 2,178 | $521,950,000 | $239,000 | $6,445,000 | $109,000 | $1,766,000 |
| Debt-To-Income Ratio | 34 | $6,820,000 | $200,000 | $475,000 | $63,000 | $328,000 |
| Credit History | 31 | $6,245,000 | $201,000 | $665,000 | $109,000 | $960,000 |
| Collateral | 13 | $3,075,000 | $236,000 | $545,000 | $101,000 | $167,000 |
| Unverifiable Information | 12 | $3,070,000 | $255,000 | $505,000 | $123,000 | $349,000 |
| Other | 5 | $1,135,000 | $227,000 | $335,000 | $60,000 | $76,000 |
| Employment History | 3 | $495,000 | $165,000 | $205,000 | $82,000 | $112,000 |
| Credit Application Incomplete | 1 | $245,000 | $245,000 | $245,000 | $106,000 | $106,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Colony Bank's 2021 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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