Colony Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2022
Colony Bank 2022 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 | 1,956 |
| Total Mortgage Loan Application Amount | $586,330,000 |
| Average Mortgage Loan Application Amount | $231,400 |
| Highest Mortgage Loan Application Amount | $8,955,000 |
| Average Applicant Income | $114,600 |
| Highest Applicant Income | $3,176,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2022 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 2022 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 2022.
| 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 | 185 | $ 76,185,000 | $ 411,000 | $ 170,000 |
| Columbia County Georgia | 140 | $ 45,350,000 | $ 323,000 | $ 138,000 |
| Houston County Georgia | 108 | $ 26,990,000 | $ 249,000 | $ 107,000 |
| Troup County Georgia | 101 | $ 37,225,000 | $ 368,000 | $ 129,000 |
| Lowndes County Georgia | 96 | $ 20,000,000 | $ 208,000 | $ 83,000 |
| Dougherty County Georgia | 71 | $ 13,765,000 | $ 193,000 | $ 99,000 |
| Aiken County South Carolina | 65 | $ 17,615,000 | $ 271,000 | $ 110,000 |
| Lee County Georgia | 62 | $ 14,340,000 | $ 231,000 | $ 95,000 |
| Bibb County Georgia | 59 | $ 22,535,000 | $ 381,000 | $ 145,000 |
| Richmond County Georgia | 59 | $ 14,785,000 | $ 250,000 | $ 111,000 |
| Ben Hill County Georgia | 41 | $ 2,765,000 | $ 67,000 | $ 73,000 |
| Clarke County Georgia | 40 | $ 11,290,000 | $ 282,000 | $ 114,000 |
| Carroll County Georgia | 38 | $ 13,510,000 | $ 355,000 | $ 118,000 |
| Coweta County Georgia | 35 | $ 13,665,000 | $ 390,000 | $ 138,000 |
| Crisp County Georgia | 35 | $ 5,595,000 | $ 159,000 | $ 165,000 |
| Bryan County Georgia | 32 | $ 11,170,000 | $ 349,000 | $ 151,000 |
| Tift County Georgia | 31 | $ 4,545,000 | $ 146,000 | $ 87,000 |
| Coffee County Georgia | 29 | $ 2,015,000 | $ 69,000 | $ 145,000 |
| Oconee County Georgia | 27 | $ 12,745,000 | $ 472,000 | $ 167,000 |
| Effingham County Georgia | 26 | $ 6,600,000 | $ 253,000 | $ 92,000 |
| Muscogee County Georgia | 24 | $ 4,630,000 | $ 192,000 | $ 89,000 |
| Worth County Georgia | 23 | $ 3,435,000 | $ 149,000 | $ 65,000 |
| Fulton County Georgia | 22 | $ 31,810,000 | $ 1,445,000 | $ 254,000 |
| Heard County Georgia | 21 | $ 7,025,000 | $ 334,000 | $ 130,000 |
| Harris County Georgia | 19 | $ 6,535,000 | $ 343,000 | $ 108,000 |
| Laurens County Georgia | 19 | $ 3,525,000 | $ 185,000 | $ 69,000 |
| Edgefield County South Carolina | 18 | $ 6,690,000 | $ 371,000 | $ 140,000 |
| Bulloch County Georgia | 15 | $ 2,215,000 | $ 147,000 | $ 135,000 |
| Dodge County Georgia | 14 | $ 1,890,000 | $ 135,000 | $ 108,000 |
| Lanier County Georgia | 14 | $ 3,200,000 | $ 228,000 | $ 74,000 |
| Liberty County Georgia | 14 | $ 3,430,000 | $ 245,000 | $ 77,000 |
| Meriwether County Georgia | 14 | $ 3,470,000 | $ 247,000 | $ 91,000 |
| Turner County Georgia | 14 | $ 1,780,000 | $ 127,000 | $ 81,000 |
| Polk County Georgia | 13 | $ 1,115,000 | $ 85,000 | $ 42,000 |
| Barrow County Georgia | 12 | $ 3,410,000 | $ 284,000 | $ 105,000 |
| DeKalb County Georgia | 12 | $ 5,540,000 | $ 461,000 | $ 144,000 |
| Irwin County Georgia | 12 | $ 2,050,000 | $ 170,000 | $ 99,000 |
| Colquitt County Georgia | 11 | $ 1,645,000 | $ 149,000 | $ 41,000 |
| Brooks County Georgia | 10 | $ 1,580,000 | $ 158,000 | $ 106,000 |
| Haralson County Georgia | 10 | $ 2,940,000 | $ 294,000 | $ 100,000 |
| Monroe County Georgia | 10 | $ 4,410,000 | $ 441,000 | $ 226,000 |
| Jefferson County Alabama | 9 | $ 3,275,000 | $ 363,000 | $ 167,000 |
| Lee County Alabama | 9 | $ 3,135,000 | $ 348,000 | $ 187,000 |
| Baldwin County Georgia | 9 | $ 1,595,000 | $ 177,000 | $ 86,000 |
| Jones County Georgia | 9 | $ 2,125,000 | $ 236,000 | $ 86,000 |
| Madison County Georgia | 9 | $ 2,225,000 | $ 247,000 | $ 71,000 |
| Upson County Georgia | 9 | $ 885,000 | $ 98,000 | $ 109,000 |
| Glynn County Georgia | 8 | $ 2,180,000 | $ 272,000 | $ 95,000 |
| Wilcox County Georgia | 8 | $ 1,080,000 | $ 135,000 | $ 53,000 |
| Chambers County Alabama | 7 | $ 1,805,000 | $ 257,000 | $ 84,000 |
| Cherokee County Georgia | 7 | $ 2,575,000 | $ 367,000 | $ 126,000 |
| Cook County Georgia | 7 | $ 945,000 | $ 135,000 | $ 83,000 |
| Gwinnett County Georgia | 7 | $ 2,835,000 | $ 405,000 | $ 112,000 |
| Henry County Georgia | 7 | $ 2,755,000 | $ 393,000 | $ 112,000 |
| Oglethorpe County Georgia | 7 | $ 2,125,000 | $ 303,000 | $ 117,000 |
| Peach County Georgia | 7 | $ 1,845,000 | $ 263,000 | $ 95,000 |
| Toombs County Georgia | 7 | $ 1,035,000 | $ 147,000 | $ 66,000 |
| Douglas County Georgia | 6 | $ 1,350,000 | $ 225,000 | $ 68,000 |
| Floyd County Georgia | 6 | $ 950,000 | $ 158,000 | $ 85,000 |
| Putnam County Georgia | 6 | $ 1,910,000 | $ 318,000 | $ 89,000 |
| Walton County Georgia | 6 | $ 2,230,000 | $ 371,000 | $ 111,000 |
| Greene County Georgia | 5 | $ 2,735,000 | $ 547,000 | $ 322,000 |
| Jackson County Georgia | 5 | $ 1,185,000 | $ 237,000 | $ 65,000 |
| Newton County Georgia | 5 | $ 1,095,000 | $ 219,000 | $ 70,000 |
| Spalding County Georgia | 5 | $ 1,245,000 | $ 249,000 | $ 55,000 |
| Baldwin County Alabama | 4 | $ 1,050,000 | $ 262,000 | $ 108,000 |
| Limestone County Alabama | 4 | $ 3,810,000 | $ 952,000 | $ 0 |
| Madison County Alabama | 4 | $ 1,390,000 | $ 347,000 | $ 328,000 |
| Santa Rosa County Florida | 4 | $ 1,320,000 | $ 330,000 | $ 90,000 |
| Walton County Florida | 4 | $ 3,400,000 | $ 850,000 | $ 318,000 |
| Cobb County Georgia | 4 | $ 1,980,000 | $ 495,000 | $ 81,000 |
| Dooly County Georgia | 4 | $ 540,000 | $ 135,000 | $ 57,000 |
| Fayette County Georgia | 4 | $ 1,360,000 | $ 340,000 | $ 174,000 |
| Hall County Georgia | 4 | $ 1,570,000 | $ 392,000 | $ 104,000 |
| Hancock County Georgia | 4 | $ 1,040,000 | $ 260,000 | $ 270,000 |
| Jefferson County Georgia | 4 | $ 710,000 | $ 177,000 | $ 100,000 |
| Lincoln County Georgia | 4 | $ 1,310,000 | $ 327,000 | $ 125,000 |
| McDuffie County Georgia | 4 | $ 680,000 | $ 170,000 | $ 55,000 |
| Paulding County Georgia | 4 | $ 1,150,000 | $ 287,000 | $ 94,000 |
| Pulaski County Georgia | 4 | $ 820,000 | $ 205,000 | $ 91,000 |
| Walker County Georgia | 4 | $ 770,000 | $ 192,000 | $ 117,000 |
| Randolph County Alabama | 3 | $ 1,195,000 | $ 398,000 | $ 114,000 |
| Pinal County Arizona | 3 | $ 1,635,000 | $ 545,000 | $ 301,000 |
| Bay County Florida | 3 | $ 1,055,000 | $ 351,000 | $ 171,000 |
| Nassau County Florida | 3 | $ 1,075,000 | $ 358,000 | $ 143,000 |
| Bleckley County Georgia | 3 | $ 715,000 | $ 238,000 | $ 111,000 |
| Burke County Georgia | 3 | $ 895,000 | $ 298,000 | $ 92,000 |
| Dawson County Georgia | 3 | $ 1,345,000 | $ 448,000 | $ 0 |
| Forsyth County Georgia | 3 | $ 3,095,000 | $ 1,031,000 | $ 297,000 |
| Rabun County Georgia | 3 | $ 1,525,000 | $ 508,000 | $ 331,000 |
| Sumter County Georgia | 3 | $ 385,000 | $ 128,000 | $ 142,000 |
| Terrell County Georgia | 3 | $ 535,000 | $ 178,000 | $ 95,000 |
| Thomas County Georgia | 3 | $ 1,265,000 | $ 421,000 | $ 162,000 |
| Wilkinson County Georgia | 3 | $ 395,000 | $ 131,000 | $ 43,000 |
| McCormick County South Carolina | 3 | $ 2,255,000 | $ 751,000 | $ 402,000 |
| Cleburne County Alabama | 2 | $ 570,000 | $ 285,000 | $ 87,000 |
| Russell County Alabama | 2 | $ 550,000 | $ 275,000 | $ 136,000 |
| Duval County Florida | 2 | $ 910,000 | $ 455,000 | $ 222,000 |
| Clay County Georgia | 2 | $ 350,000 | $ 175,000 | $ 166,000 |
| Elbert County Georgia | 2 | $ 300,000 | $ 150,000 | $ 56,000 |
| Jenkins County Georgia | 2 | $ 450,000 | $ 225,000 | $ 124,000 |
| Long County Georgia | 2 | $ 520,000 | $ 260,000 | $ 111,000 |
| Macon County Georgia | 2 | $ 380,000 | $ 190,000 | $ 132,000 |
| Mitchell County Georgia | 2 | $ 270,000 | $ 135,000 | $ 45,000 |
| Morgan County Georgia | 2 | $ 660,000 | $ 330,000 | $ 108,000 |
| Treutlen County Georgia | 2 | $ 330,000 | $ 165,000 | $ 53,000 |
| White County Georgia | 2 | $ 720,000 | $ 360,000 | $ 68,000 |
| Wilkes County Georgia | 2 | $ 370,000 | $ 185,000 | $ 84,000 |
| Jasper County South Carolina | 2 | $ 560,000 | $ 280,000 | $ 118,000 |
| Houston County Alabama | 1 | $ 205,000 | $ 205,000 | $ 97,000 |
| Montgomery County Alabama | 1 | $ 245,000 | $ 245,000 | $ 232,000 |
| Morgan County Alabama | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Pike County Alabama | 1 | $ 175,000 | $ 175,000 | $ 65,000 |
| Tallapoosa County Alabama | 1 | $ 1,005,000 | $ 1,005,000 | $ 375,000 |
| Tuscaloosa County Alabama | 1 | $ 585,000 | $ 585,000 | $ 455,000 |
| Grant County Arkansas | 1 | $ 165,000 | $ 165,000 | $ 65,000 |
| Franklin County Florida | 1 | $ 135,000 | $ 135,000 | $ 129,000 |
| Gulf County Florida | 1 | $ 75,000 | $ 75,000 | $ 71,000 |
| Leon County Florida | 1 | $ 145,000 | $ 145,000 | $ 80,000 |
| Miami-Dade County Florida | 1 | $ 125,000 | $ 125,000 | $ 153,000 |
| Okaloosa County Florida | 1 | $ 585,000 | $ 585,000 | $ 138,000 |
| Taylor County Florida | 1 | $ 165,000 | $ 165,000 | $ 120,000 |
| Atkinson County Georgia | 1 | $ 95,000 | $ 95,000 | $ 100,000 |
| Banks County Georgia | 1 | $ 155,000 | $ 155,000 | $ 96,000 |
| Bartow County Georgia | 1 | $ 105,000 | $ 105,000 | $ 81,000 |
| Berrien County Georgia | 1 | $ 225,000 | $ 225,000 | $ 69,000 |
| Clayton County Georgia | 1 | $ 55,000 | $ 55,000 | $ 183,000 |
| Crawford County Georgia | 1 | $ 145,000 | $ 145,000 | $ 110,000 |
| Franklin County Georgia | 1 | $ 285,000 | $ 285,000 | $ 150,000 |
| Glascock County Georgia | 1 | $ 145,000 | $ 145,000 | $ 54,000 |
| Gordon County Georgia | 1 | $ 285,000 | $ 285,000 | $ 122,000 |
| Grady County Georgia | 1 | $ 85,000 | $ 85,000 | $ 29,000 |
| Habersham County Georgia | 1 | $ 245,000 | $ 245,000 | $ 41,000 |
| Jasper County Georgia | 1 | $ 165,000 | $ 165,000 | $ 66,000 |
| McIntosh County Georgia | 1 | $ 205,000 | $ 205,000 | $ 223,000 |
| Miller County Georgia | 1 | $ 75,000 | $ 75,000 | $ 32,000 |
| Pierce County Georgia | 1 | $ 265,000 | $ 265,000 | $ 75,000 |
| Pike County Georgia | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Randolph County Georgia | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Seminole County Georgia | 1 | $ 165,000 | $ 165,000 | $ 105,000 |
| Talbot County Georgia | 1 | $ 135,000 | $ 135,000 | $ 23,000 |
| Telfair County Georgia | 1 | $ 65,000 | $ 65,000 | $ 79,000 |
| Ware County Georgia | 1 | $ 235,000 | $ 235,000 | $ 79,000 |
| Warren County Georgia | 1 | $ 295,000 | $ 295,000 | $ 87,000 |
| Washington County Georgia | 1 | $ 175,000 | $ 175,000 | $ 78,000 |
| Wayne County Georgia | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Jefferson County Kentucky | 1 | $ 385,000 | $ 385,000 | $ 108,000 |
| Catawba County North Carolina | 1 | $ 225,000 | $ 225,000 | $ 142,000 |
| Cumberland County North Carolina | 1 | $ 6,005,000 | $ 6,005,000 | $ 0 |
| Henderson County North Carolina | 1 | $ 305,000 | $ 305,000 | $ 130,000 |
| Wake County North Carolina | 1 | $ 545,000 | $ 545,000 | $ 266,000 |
| Barnwell County South Carolina | 1 | $ 175,000 | $ 175,000 | $ 48,000 |
| Beaufort County South Carolina | 1 | $ 1,505,000 | $ 1,505,000 | $ 300,000 |
| Greenville County South Carolina | 1 | $ 305,000 | $ 305,000 | $ 130,000 |
| Greenwood County South Carolina | 1 | $ 145,000 | $ 145,000 | $ 70,000 |
| Hamilton County Tennessee | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Lawrence County Tennessee | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Williamson County Tennessee | 1 | $ 315,000 | $ 315,000 | $ 50,000 |
| Montgomery County Virginia | 1 | $ 645,000 | $ 645,000 | $ 285,000 |
Mortgage Loan Application Detail Totals for Colony Bank in 2022
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 | 1,494 | $476,920,000 | $319,000 | $8,955,000 | $121,000 | $1,380,000 |
| Refinancing | 274 | $66,080,000 | $241,000 | $6,305,000 | $148,000 | $3,176,000 |
| Cash-out Refinancing | 138 | $35,220,000 | $255,000 | $1,505,000 | $109,000 | $814,000 |
| Home Improvement | 31 | $4,085,000 | $131,000 | $1,155,000 | $80,000 | $228,000 |
| Other Purpose | 19 | $4,025,000 | $211,000 | $495,000 | $115,000 | $397,000 |
| 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 | 1,127 | $318,115,000 | $282,000 | $2,455,000 | $128,000 | $3,176,000 |
| Not Provided | 236 | $65,230,000 | $276,000 | $1,335,000 | $125,000 | $1,056,000 |
| Black or African American | 216 | $50,110,000 | $231,000 | $915,000 | $90,000 | $397,000 |
| Not applicable | 161 | $89,295,000 | $554,000 | $8,955,000 | $0 | $0 |
| Hispanic | 124 | $31,680,000 | $255,000 | $1,195,000 | $101,000 | $571,000 |
| Asian | 81 | $26,645,000 | $328,000 | $965,000 | $133,000 | $583,000 |
| American Indian or Alaskan Native | 9 | $3,645,000 | $405,000 | $1,245,000 | $130,000 | $284,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $1,505,000 | $1,505,000 | $1,505,000 | $454,000 | $454,000 |
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) | 1,435 | $451,175,000 | $314,000 | $8,955,000 | $138,000 | $3,176,000 |
| FHA-insured (Federal Housing Administration) | 246 | $53,240,000 | $216,000 | $425,000 | $72,000 | $240,000 |
| VA-guaranteed (Veterans Administration) | 238 | $74,950,000 | $314,000 | $1,205,000 | $101,000 | $375,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 37 | $6,965,000 | $188,000 | $355,000 | $63,000 | $99,000 |
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 | 1,536 | $471,450,000 | $306,000 | $8,955,000 | $126,000 | $3,176,000 |
| Application Withdrawn By Applicant | 318 | $86,450,000 | $271,000 | $1,015,000 | $111,000 | $1,380,000 |
| Application Denied By Financial Institution | 57 | $10,405,000 | $182,000 | $1,205,000 | $85,000 | $249,000 |
| File Closed For Incompleteness | 23 | $5,735,000 | $249,000 | $555,000 | $93,000 | $236,000 |
| Application Approved But Not Accepted | 21 | $12,105,000 | $576,000 | $6,005,000 | $166,000 | $486,000 |
| Loan Purchased By The Institution | 1 | $185,000 | $185,000 | $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 | 1,899 | $575,925,000 | $303,000 | $8,955,000 | $123,000 | $3,176,000 |
| Debt-To-Income Ratio | 26 | $4,230,000 | $162,000 | $595,000 | $97,000 | $249,000 |
| Collateral | 13 | $1,585,000 | $121,000 | $195,000 | $73,000 | $142,000 |
| Credit History | 9 | $2,085,000 | $231,000 | $465,000 | $86,000 | $161,000 |
| Unverifiable Information | 6 | $2,140,000 | $356,000 | $1,205,000 | $79,000 | $227,000 |
| Credit Application Incomplete | 1 | $155,000 | $155,000 | $155,000 | $40,000 | $40,000 |
| Other | 1 | $155,000 | $155,000 | $155,000 | $52,000 | $52,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $55,000 | $55,000 | $55,000 | $89,000 | $89,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Colony Bank's 2022 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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