Colony Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2023
Colony Bank 2023 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 | 1,372 |
| Total Mortgage Loan Application Amount | $400,370,000 |
| Average Mortgage Loan Application Amount | $216,600 |
| Highest Mortgage Loan Application Amount | $9,535,000 |
| Average Applicant Income | $132,200 |
| Highest Applicant Income | $5,810,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2023 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 2023 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 2023.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Houston County Georgia | 149 | $ 37,655,000 | $ 252,000 | $ 106,000 |
| Chatham County Georgia | 121 | $ 44,915,000 | $ 371,000 | $ 147,000 |
| Columbia County Georgia | 97 | $ 34,315,000 | $ 353,000 | $ 138,000 |
| Troup County Georgia | 62 | $ 17,830,000 | $ 287,000 | $ 146,000 |
| Lowndes County Georgia | 60 | $ 11,440,000 | $ 190,000 | $ 90,000 |
| Dougherty County Georgia | 58 | $ 11,370,000 | $ 196,000 | $ 86,000 |
| Bibb County Georgia | 48 | $ 12,910,000 | $ 268,000 | $ 130,000 |
| Bryan County Georgia | 39 | $ 12,745,000 | $ 326,000 | $ 209,000 |
| Richmond County Georgia | 39 | $ 10,245,000 | $ 262,000 | $ 126,000 |
| Clarke County Georgia | 35 | $ 10,095,000 | $ 288,000 | $ 115,000 |
| Lee County Georgia | 31 | $ 7,595,000 | $ 245,000 | $ 125,000 |
| Ben Hill County Georgia | 28 | $ 1,770,000 | $ 63,000 | $ 85,000 |
| Coweta County Georgia | 23 | $ 12,425,000 | $ 540,000 | $ 315,000 |
| Aiken County South Carolina | 21 | $ 5,395,000 | $ 256,000 | $ 117,000 |
| Bulloch County Georgia | 20 | $ 4,380,000 | $ 219,000 | $ 89,000 |
| Effingham County Georgia | 19 | $ 5,265,000 | $ 277,000 | $ 95,000 |
| Carroll County Georgia | 18 | $ 5,990,000 | $ 332,000 | $ 137,000 |
| Harris County Georgia | 17 | $ 6,485,000 | $ 381,000 | $ 193,000 |
| Jefferson County Alabama | 16 | $ 6,810,000 | $ 425,000 | $ 284,000 |
| Oconee County Georgia | 16 | $ 7,170,000 | $ 448,000 | $ 177,000 |
| Peach County Georgia | 16 | $ 3,510,000 | $ 219,000 | $ 132,000 |
| Meriwether County Georgia | 14 | $ 2,550,000 | $ 182,000 | $ 125,000 |
| Tift County Georgia | 14 | $ 11,330,000 | $ 809,000 | $ 85,000 |
| Dodge County Georgia | 13 | $ 1,855,000 | $ 142,000 | $ 91,000 |
| Laurens County Georgia | 13 | $ 2,555,000 | $ 196,000 | $ 90,000 |
| Cook County Georgia | 12 | $ 1,780,000 | $ 148,000 | $ 78,000 |
| Jones County Georgia | 12 | $ 3,250,000 | $ 270,000 | $ 111,000 |
| Worth County Georgia | 12 | $ 2,630,000 | $ 219,000 | $ 92,000 |
| Baldwin County Georgia | 11 | $ 2,705,000 | $ 245,000 | $ 126,000 |
| Polk County Georgia | 11 | $ 1,435,000 | $ 130,000 | $ 72,000 |
| Upson County Georgia | 11 | $ 765,000 | $ 69,000 | $ 71,000 |
| Heard County Georgia | 10 | $ 3,060,000 | $ 306,000 | $ 124,000 |
| Colquitt County Georgia | 9 | $ 1,175,000 | $ 130,000 | $ 52,000 |
| Crisp County Georgia | 9 | $ 1,355,000 | $ 150,000 | $ 48,000 |
| Fulton County Georgia | 9 | $ 4,645,000 | $ 516,000 | $ 427,000 |
| McIntosh County Georgia | 9 | $ 3,455,000 | $ 383,000 | $ 262,000 |
| Brooks County Georgia | 8 | $ 590,000 | $ 73,000 | $ 77,000 |
| Cobb County Georgia | 8 | $ 2,540,000 | $ 317,000 | $ 88,000 |
| Wilcox County Georgia | 8 | $ 370,000 | $ 46,000 | $ 815,000 |
| Lee County Alabama | 7 | $ 3,075,000 | $ 439,000 | $ 167,000 |
| Floyd County Georgia | 7 | $ 1,025,000 | $ 146,000 | $ 59,000 |
| Gwinnett County Georgia | 7 | $ 2,705,000 | $ 386,000 | $ 355,000 |
| Muscogee County Georgia | 7 | $ 1,125,000 | $ 160,000 | $ 104,000 |
| Turner County Georgia | 7 | $ 365,000 | $ 52,000 | $ 59,000 |
| Coffee County Georgia | 6 | $ 310,000 | $ 51,000 | $ 164,000 |
| DeKalb County Georgia | 6 | $ 9,530,000 | $ 1,588,000 | $ 143,000 |
| Henry County Georgia | 6 | $ 3,580,000 | $ 596,000 | $ 232,000 |
| McDuffie County Georgia | 6 | $ 1,740,000 | $ 290,000 | $ 130,000 |
| Monroe County Georgia | 6 | $ 2,830,000 | $ 471,000 | $ 194,000 |
| Thomas County Georgia | 6 | $ 1,050,000 | $ 175,000 | $ 251,000 |
| Edgefield County South Carolina | 6 | $ 3,180,000 | $ 530,000 | $ 207,000 |
| Shelby County Alabama | 5 | $ 2,275,000 | $ 455,000 | $ 282,000 |
| Bleckley County Georgia | 5 | $ 665,000 | $ 133,000 | $ 58,000 |
| Randolph County Alabama | 4 | $ 1,410,000 | $ 352,000 | $ 96,000 |
| Fayette County Georgia | 4 | $ 1,810,000 | $ 452,000 | $ 187,000 |
| Glynn County Georgia | 4 | $ 1,520,000 | $ 380,000 | $ 168,000 |
| Liberty County Georgia | 4 | $ 730,000 | $ 182,000 | $ 143,000 |
| Paulding County Georgia | 4 | $ 1,010,000 | $ 252,000 | $ 80,000 |
| Pulaski County Georgia | 4 | $ 800,000 | $ 200,000 | $ 70,000 |
| Gulf County Florida | 3 | $ 945,000 | $ 315,000 | $ 381,000 |
| Barrow County Georgia | 3 | $ 795,000 | $ 265,000 | $ 75,000 |
| Dooly County Georgia | 3 | $ 485,000 | $ 161,000 | $ 75,000 |
| Jackson County Georgia | 3 | $ 845,000 | $ 281,000 | $ 77,000 |
| Lincoln County Georgia | 3 | $ 915,000 | $ 305,000 | $ 227,000 |
| Newton County Georgia | 3 | $ 865,000 | $ 288,000 | $ 80,000 |
| Toombs County Georgia | 3 | $ 475,000 | $ 158,000 | $ 93,000 |
| Walton County Georgia | 3 | $ 1,025,000 | $ 341,000 | $ 210,000 |
| Chambers County Alabama | 2 | $ 1,200,000 | $ 600,000 | $ 212,000 |
| Cleburne County Alabama | 2 | $ 620,000 | $ 310,000 | $ 101,000 |
| Bay County Florida | 2 | $ 510,000 | $ 255,000 | $ 486,000 |
| St. Johns County Florida | 2 | $ 3,600,000 | $ 1,800,000 | $ 428,000 |
| Walton County Florida | 2 | $ 1,260,000 | $ 630,000 | $ 462,000 |
| Atkinson County Georgia | 2 | $ 280,000 | $ 140,000 | $ 116,000 |
| Berrien County Georgia | 2 | $ 510,000 | $ 255,000 | $ 73,000 |
| Burke County Georgia | 2 | $ 670,000 | $ 335,000 | $ 102,000 |
| Candler County Georgia | 2 | $ 350,000 | $ 175,000 | $ 76,000 |
| Cherokee County Georgia | 2 | $ 610,000 | $ 305,000 | $ 235,000 |
| Crawford County Georgia | 2 | $ 390,000 | $ 195,000 | $ 116,000 |
| Douglas County Georgia | 2 | $ 910,000 | $ 455,000 | $ 142,000 |
| Emanuel County Georgia | 2 | $ 310,000 | $ 155,000 | $ 121,000 |
| Greene County Georgia | 2 | $ 500,000 | $ 250,000 | $ 68,000 |
| Hall County Georgia | 2 | $ 2,220,000 | $ 1,110,000 | $ 310,000 |
| Jasper County Georgia | 2 | $ 830,000 | $ 415,000 | $ 89,000 |
| Lanier County Georgia | 2 | $ 630,000 | $ 315,000 | $ 142,000 |
| Macon County Georgia | 2 | $ 260,000 | $ 130,000 | $ 104,000 |
| Mitchell County Georgia | 2 | $ 240,000 | $ 120,000 | $ 48,000 |
| Oglethorpe County Georgia | 2 | $ 480,000 | $ 240,000 | $ 85,000 |
| Pike County Georgia | 2 | $ 410,000 | $ 205,000 | $ 121,000 |
| Putnam County Georgia | 2 | $ 690,000 | $ 345,000 | $ 156,000 |
| Stephens County Georgia | 2 | $ 500,000 | $ 250,000 | $ 189,000 |
| Tattnall County Georgia | 2 | $ 350,000 | $ 175,000 | $ 75,000 |
| Taylor County Georgia | 2 | $ 350,000 | $ 175,000 | $ 110,000 |
| Telfair County Georgia | 2 | $ 150,000 | $ 75,000 | $ 0 |
| Treutlen County Georgia | 2 | $ 190,000 | $ 95,000 | $ 71,000 |
| Wilkinson County Georgia | 2 | $ 420,000 | $ 210,000 | $ 61,000 |
| Baldwin County Alabama | 1 | $ 855,000 | $ 855,000 | $ 350,000 |
| Barbour County Alabama | 1 | $ 115,000 | $ 115,000 | $ 24,000 |
| Calhoun County Alabama | 1 | $ 175,000 | $ 175,000 | $ 55,000 |
| Lauderdale County Alabama | 1 | $ 95,000 | $ 95,000 | $ 131,000 |
| Russell County Alabama | 1 | $ 185,000 | $ 185,000 | $ 54,000 |
| Sumter County Alabama | 1 | $ 95,000 | $ 95,000 | $ 66,000 |
| Tallapoosa County Alabama | 1 | $ 305,000 | $ 305,000 | $ 138,000 |
| Tuscaloosa County Alabama | 1 | $ 255,000 | $ 255,000 | $ 80,000 |
| Citrus County Florida | 1 | $ 165,000 | $ 165,000 | $ 200,000 |
| Okaloosa County Florida | 1 | $ 585,000 | $ 585,000 | $ 114,000 |
| Volusia County Florida | 1 | $ 335,000 | $ 335,000 | $ 76,000 |
| Appling County Georgia | 1 | $ 55,000 | $ 55,000 | $ 151,000 |
| Banks County Georgia | 1 | $ 505,000 | $ 505,000 | $ 122,000 |
| Butts County Georgia | 1 | $ 255,000 | $ 255,000 | $ 121,000 |
| Dade County Georgia | 1 | $ 675,000 | $ 675,000 | $ 185,000 |
| Decatur County Georgia | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Echols County Georgia | 1 | $ 215,000 | $ 215,000 | $ 75,000 |
| Forsyth County Georgia | 1 | $ 105,000 | $ 105,000 | $ 146,000 |
| Franklin County Georgia | 1 | $ 265,000 | $ 265,000 | $ 78,000 |
| Grady County Georgia | 1 | $ 455,000 | $ 455,000 | $ 140,000 |
| Hancock County Georgia | 1 | $ 335,000 | $ 335,000 | $ 117,000 |
| Haralson County Georgia | 1 | $ 485,000 | $ 485,000 | $ 180,000 |
| Irwin County Georgia | 1 | $ 155,000 | $ 155,000 | $ 63,000 |
| Jeff Davis County Georgia | 1 | $ 125,000 | $ 125,000 | $ 50,000 |
| Jefferson County Georgia | 1 | $ 155,000 | $ 155,000 | $ 36,000 |
| Lamar County Georgia | 1 | $ 165,000 | $ 165,000 | $ 55,000 |
| Madison County Georgia | 1 | $ 445,000 | $ 445,000 | $ 261,000 |
| Montgomery County Georgia | 1 | $ 235,000 | $ 235,000 | $ 62,000 |
| Pierce County Georgia | 1 | $ 145,000 | $ 145,000 | $ 32,000 |
| Rabun County Georgia | 1 | $ 995,000 | $ 995,000 | $ 0 |
| Spalding County Georgia | 1 | $ 335,000 | $ 335,000 | $ 128,000 |
| Sumter County Georgia | 1 | $ 65,000 | $ 65,000 | $ 28,000 |
| Talbot County Georgia | 1 | $ 265,000 | $ 265,000 | $ 58,000 |
| Terrell County Georgia | 1 | $ 215,000 | $ 215,000 | $ 62,000 |
| Towns County Georgia | 1 | $ 395,000 | $ 395,000 | $ 139,000 |
| Twiggs County Georgia | 1 | $ 305,000 | $ 305,000 | $ 158,000 |
| Walker County Georgia | 1 | $ 55,000 | $ 55,000 | $ 18,000 |
| Ware County Georgia | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Warren County Georgia | 1 | $ 185,000 | $ 185,000 | $ 143,000 |
| Wheeler County Georgia | 1 | $ 135,000 | $ 135,000 | $ 61,000 |
| White County Georgia | 1 | $ 785,000 | $ 785,000 | $ 0 |
| Wilkes County Georgia | 1 | $ 155,000 | $ 155,000 | $ 99,000 |
| Allen County Kentucky | 1 | $ 315,000 | $ 315,000 | $ 119,000 |
| DeSoto County Mississippi | 1 | $ 105,000 | $ 105,000 | $ 127,000 |
| Lafayette County Mississippi | 1 | $ 435,000 | $ 435,000 | $ 244,000 |
| Jackson County North Carolina | 1 | $ 285,000 | $ 285,000 | $ 0 |
| Medina County Ohio | 1 | $ 255,000 | $ 255,000 | $ 109,000 |
| McClain County Oklahoma | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Beaufort County South Carolina | 1 | $ 585,000 | $ 585,000 | $ 275,000 |
| Greenville County South Carolina | 1 | $ 305,000 | $ 305,000 | $ 73,000 |
| Greenwood County South Carolina | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Jasper County South Carolina | 1 | $ 375,000 | $ 375,000 | $ 85,000 |
Mortgage Loan Application Detail Totals for Colony Bank in 2023
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 | 1,109 | $332,235,000 | $299,000 | $1,825,000 | $136,000 | $2,177,000 |
| Refinancing | 138 | $39,360,000 | $285,000 | $9,535,000 | $200,000 | $5,810,000 |
| Cash-out Refinancing | 84 | $24,330,000 | $289,000 | $1,705,000 | $138,000 | $911,000 |
| Other Purpose | 25 | $2,965,000 | $118,000 | $395,000 | $96,000 | $286,000 |
| Home Improvement | 16 | $1,480,000 | $92,000 | $255,000 | $91,000 | $173,000 |
| 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 | 874 | $244,530,000 | $279,000 | $1,885,000 | $139,000 | $5,810,000 |
| Black or African American | 157 | $39,565,000 | $252,000 | $1,245,000 | $106,000 | $895,000 |
| Not Provided | 123 | $40,955,000 | $332,000 | $1,675,000 | $174,000 | $2,177,000 |
| Hispanic | 89 | $22,515,000 | $252,000 | $995,000 | $102,000 | $345,000 |
| Not applicable | 63 | $30,525,000 | $484,000 | $9,535,000 | $0 | $0 |
| Asian | 59 | $20,955,000 | $355,000 | $1,365,000 | $196,000 | $1,107,000 |
| American Indian or Alaskan Native | 6 | $1,190,000 | $198,000 | $435,000 | $108,000 | $244,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $135,000 | $135,000 | $135,000 | $213,000 | $213,000 |
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) | 933 | $280,845,000 | $301,000 | $9,535,000 | $160,000 | $5,810,000 |
| FHA-insured (Federal Housing Administration) | 255 | $61,675,000 | $241,000 | $545,000 | $88,000 | $295,000 |
| VA-guaranteed (Veterans Administration) | 162 | $53,320,000 | $329,000 | $1,015,000 | $115,000 | $518,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 22 | $4,530,000 | $205,000 | $325,000 | $71,000 | $97,000 |
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 | 1,061 | $304,505,000 | $286,000 | $9,535,000 | $140,000 | $5,810,000 |
| Application Withdrawn By Applicant | 234 | $67,240,000 | $287,000 | $1,805,000 | $132,000 | $1,183,000 |
| Application Denied By Financial Institution | 54 | $19,770,000 | $366,000 | $7,705,000 | $96,000 | $630,000 |
| File Closed For Incompleteness | 16 | $6,680,000 | $417,000 | $1,015,000 | $290,000 | $2,177,000 |
| Application Approved But Not Accepted | 4 | $860,000 | $215,000 | $295,000 | $168,000 | $478,000 |
| Loan Purchased By The Institution | 3 | $1,315,000 | $438,000 | $475,000 | $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 | 1,318 | $380,600,000 | $288,000 | $9,535,000 | $141,000 | $5,810,000 |
| Debt-To-Income Ratio | 24 | $14,080,000 | $586,000 | $7,705,000 | $107,000 | $630,000 |
| Credit History | 12 | $1,560,000 | $130,000 | $325,000 | $64,000 | $173,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 8 | $1,700,000 | $212,000 | $535,000 | $93,000 | $212,000 |
| Collateral | 6 | $1,400,000 | $233,000 | $415,000 | $123,000 | $234,000 |
| Other | 3 | $775,000 | $258,000 | $455,000 | $80,000 | $109,000 |
| Unverifiable Information | 1 | $255,000 | $255,000 | $255,000 | $110,000 | $110,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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 2023 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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