PlainLender

Morris Bank

Dublin, GA

Morris Bank processed 240 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 154 loans with a 16.7% denial rate. Home Purchase was the primary loan purpose. Based in Dublin, GA. The approval rate of 64.2% reflects originated loans as a share of all applications. Below you will find a breakdown by loan type, loan purpose, denial reasons, and demographic lending patterns as required by the Home Mortgage Disclosure Act.

Portfolio scale. Morris Bank processed 240 HMDA-reported mortgage applications in 2024, originating 154 loans and denying 40 for a denial rate of 16.7% (applicants themselves withdrew 40 files before a decision). The average loan amount was $178,375. The lender reports under LEI 254900VA7WQ1PZGYI558 from Dublin, GA.

Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% — HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. Morris Bank's 64.2% origination rate tells you how often an application turned into funded money; the 16.7% denial rate is a separate read on underwriting strictness. Most activity concentrated in Conventional loans (221 applications).

How to read this page. These figures are aggregate HMDA disclosures — they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting — it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.

240
Applications
154
Originated
16.7%
Denial Rate
$178,375
Avg Loan Amount

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 221 154 34 $172,692
FHA 15 0 4 $245,667
USDA 3 0 2 $201,667
VA 1 0 0 $355,000

Top loan types — Morris Bank

Top loan types — Morris Bank Horizontal bar chart of the top 4 items by value (applications). Top loan types — Morris Bank Top 4 1. Conventional 221 2. FHA 15 3. USDA 3 4. VA 1 Top 5 loan types by application volume at Morris Bank (HMDA 2023). Source: CFPB HMDA loan/application register.

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2023 LAR — application-level mortgage data for Morris Bank (LEI: 254900VA7WQ1PZGYI558) · 2023 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Home Purchase 150 94 $204,000
Refinancing 37 27 $160,405
Home Improvement 21 20 $135,476
Other 19 8 $77,105
Cash-out Refinancing 13 5 $151,154

Geographic Coverage — Lending by Race

Derived race categories as reported under HMDA. Source: CFPB.

Race Applications Approval Rate Denial Rate
White 133 48.1% 24.8%
Black or African American 17 58.8% 29.4%
Asian 2 50.0% 0.0%
2 or more minority races 1 0.0% 100.0%

Lending by Ethnicity

Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.

Ethnicity Applications Approval Rate Denial Rate
Not Hispanic or Latino 148 50.7% 23.6%
Hispanic or Latino 4 0.0% 75.0%
Joint 1 0.0% 100.0%

Nearby Lenders in GA

Other HMDA-reporting lenders in GA with similar activity. Compare any two side-by-side.

AMERISAVE MORTGAGE COMPANY

SANDY SPRINGS, GA

107,775 apps 16,102 originated 69.0% denied

Ameris Bank

Atlanta, GA

20,452 apps 14,604 originated 7.8% denied

Equity Prime Mortgage LLC

Atlanta, GA

18,565 apps 10,954 originated 3.6% denied

RENASANT BANK

JOHNS CREEK, GA

10,267 apps 7,420 originated 9.3% denied

SYNOVUS BANK

COLUMBUS, GA

8,388 apps 5,114 originated 21.6% denied
Compare Morris Bank vs AMERISAVE MORTGAGE COMPANY →

Mortgage Lending Guides

Why Mortgages Get Denied
Common denial reasons and how to improve your chances
Comparing Mortgage Lenders
What to look for when choosing a mortgage lender
Getting the Best Mortgage Rate
Strategies for securing the lowest interest rate
Understanding HMDA Data
How to read and interpret mortgage disclosure data
Denial Rates by Demographics
Demographic patterns in mortgage approval and denial

Explore More Data

Bank Financial Data → Credit Union Data → Financial Advisor Lookup → Home Insurance Costs → Property Tax Data → Rent Price Data →

Frequently Asked Questions

How many mortgage applications did Morris Bank process?
Morris Bank processed 240 mortgage applications in the 2023 HMDA reporting year. Of these, 154 were originated (approved and funded), 40 were withdrawn by the applicant, and 40 were denied.
What is Morris Bank's mortgage approval rate?
Morris Bank has an approval (origination) rate of 64.2%, meaning 64.2% of all applications resulted in a funded mortgage. The denial rate is 16.7%.
What is the average loan amount at Morris Bank?
The average mortgage loan amount at Morris Bank is $178,375.
What types of mortgage loans does Morris Bank offer?
Morris Bank processes Conventional, FHA, USDA, VA loans. The most common type is Conventional with 221 applications and an average loan amount of $172,692.
What loan purposes does Morris Bank serve?
Morris Bank serves the following loan purposes: Home Purchase (150 applications), Refinancing (37 applications), Home Improvement (21 applications), Other (19 applications), Cash-out Refinancing (13 applications). Home Purchase is the most common purpose.
Where is Morris Bank located?
Morris Bank is headquartered in Dublin, GA. The lender is identified by LEI 254900VA7WQ1PZGYI558 in HMDA data.
How does Morris Bank compare in lending across racial demographics?
Morris Bank reports demographic lending data under HMDA requirements. White applicants have an approval rate of 48.1% and denial rate of 24.8%; Black or African American applicants have an approval rate of 58.8% and denial rate of 29.4%; Asian applicants have an approval rate of 50.0% and denial rate of 0.0%. This data reflects derived race categories as reported by applicants.

Data Sources

Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.

Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.

Read our methodology — how this data is sourced, computed, and verified.