Applications / Mortgage Analytics / Lenders / Georgia / First Port City Bank
Bainbridge, GA · State non-member bank · FDIC · $583 million assets · 145 loans in 2025
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145
loans originated, 2025
164
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Port City Bank, which first reported in 2022, grew faster in 2025 than about nine in ten similar lenders, and it lends far more on manufactured homes than they do.
Its loans rose 49%, from 97 to 145. Similar lenders, state non-member banks making between half and twice as many loans, grew 9%, and the whole market 10%. The bank is now close to the 159 loans of 2022, its first reported year. It filed no reports from 2018 to 2021, so its earlier record is unknown.
Manufactured homes made up 18.6% of its loans, against 2.9% at peers, more than at about nine in ten. That fits its smaller loans: its typical loan was $125,000, down from $165,000 a year earlier and below the $175,000 at similar lenders. Purchases were 54.5% of its loans, and all were conventional.
Majority-minority neighborhoods took 38.6% of its loans, against 4.9% at peers, more than at about nine in ten. Poorer neighborhoods (low- and moderate-income, or LMI, tracts) took 24.8%, against 17.2%, and LMI borrowers 31.3%, against 28.4%. The make-up of the Georgia and Florida communities where it lends could account for much of this.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2022–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. First Port City Bank took 164 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 54.5% · Refinance 33.8% · Home improvement 9.0% · Other 2.8%
Conventional 100.0% · of 145 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Georgia | 113 | 77.9% |
| Florida | 30 | 20.7% |
| Alabama | 1 | 0.7% |
| Louisiana | 1 | 0.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Jacksonville | 13 |
| Tallahassee | 8 |
| Albany | 4 |
| Panama City-Panama City Beach | 4 |
| Valdosta | 3 |
| Atlanta-Sandy Springs-Roswell | 2 |
| Crestview-Fort Walton Beach-Destin | 2 |
| Marietta | 2 |
| Dothan | 1 |
| Gainesville | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900JRJMMWO6A10H16 | 2022–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 262237 | 2022–2023 |
Established 7 October 1974. Reported under HMDA 2022-2025.
Mergers, name changes, data editions and corrections: First Port City Bank's data.
First Port City Bank's data
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First Port City Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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