Applications / Mortgage Analytics / Lenders / Georgia / First National Bank of Coffee County
Douglas, GA · National bank · OCC · $519 million assets · 83 loans in 2025
First National Bank of Coffee County's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
83
loans originated, 2025
84
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
A quarter of First National Bank of Coffee County's loans are on manufactured homes, far more than at banks its size, and more of its borrowers have low and moderate incomes.
Manufactured homes made up 25.3% of its loans, against 1.6% at similar lenders (national banks making between half and twice as many loans), more than at nearly all of them. Its typical loan, $105,000, was smaller than at more than nine in ten peers, whose typical loan was $185,000. Purchases made up 60.2% of its lending.
Low- and moderate-income (LMI) borrowers took 35.7% of its loans, against 22.8% at peers, more than at about four in five of them. Majority-minority neighborhoods took 25.3%, against 7.7%. Its smaller loans and manufactured-home lending may be one reason. Its share in LMI neighborhoods, 13.2%, was a little below the middle.
It made 83 loans, down 5% from 87, while similar lenders grew 7% and the whole market 10%. It made 113 loans in 2023. It first reported in 2018 and filed no report for 2020 to 2022, a gap in the record rather than years without lending.
Its largest market is non-metro Georgia. It also lends in Florida, in Port St. Lucie, Miami-Fort Lauderdale-West Palm Beach and, since 2025, Sebastian-Vero Beach-West Vero Corridor, where its shares round to 0.0%.
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, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 National Bank of Coffee County took 84 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 60.2% · Refinance 18.1% · Home improvement 16.9% · Other 4.8%
Conventional 100.0% · of 83 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 | 78 | 94.0% |
| Florida | 5 | 6.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| West Palm Beach-Boca Raton-Delray Beach | 3 |
| Port St. Lucie | 1 |
| Sebastian-Vero Beach-West Vero Corridor | 1 |
| Valdosta | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900GACVFC2JIZYT69 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 1892154 | 2018–2023 |
Established 23 September 1991. Reported under HMDA 2018-2025.
Mergers, name changes, data editions and corrections: First National Bank of Coffee County's data.
First National Bank of Coffee County's data
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First National Bank of Coffee County 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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