Applications / Mortgage Analytics / Lenders / Georgia / First National Bank of Decatur County
Bainbridge, GA · National bank · OCC · 72 loans in 2025
First National Bank of Decatur County's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
72
loans originated, 2025
75
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First National Bank of Decatur County, which first reported in 2024, made about half as many loans in 2025, and half of them were refinances.
Its 72 loans were down 52% from 151. That fall was steeper than at nearly all similar lenders (national banks making between half and twice as many loans), which grew 4%; the whole market grew 10%. With only two years on record, the figures do not say why.
Refinances made up 50.0% of its loans and purchases 44.4%. Manufactured homes were 11.1%, against 1.2% at peers, more than at about four in five of them. Its typical loan, $205,000, was a little above peers' $175,000.
Majority-minority neighborhoods took 23.6% of its loans, against 7.7% at peers, more than at about seven in ten of them. Low- and moderate-income (LMI) neighborhoods took 20.0%, against 16.1%. LMI borrowers took 17.0%, fewer than at about two-thirds of peers; its larger typical loan may draw buyers with higher incomes.
It lends in 18 counties in 3 states. Beyond non-metro Georgia, its largest market, it ranks 168 of 606 lenders in Crestview-Fort Walton Beach-Destin and 206 of 443 in Panama City-Panama City Beach, with a 0.1% share in each.
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, 2024–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. First National Bank of Decatur County took 75 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 50.0% · Purchase 44.4% · Home improvement 4.2% · Other 1.4%
Conventional 100.0% · of 72 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 | 65 | 90.3% |
| Florida | 6 | 8.3% |
| Alabama | 1 | 1.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Crestview-Fort Walton Beach-Destin | 4 |
| Panama City-Panama City Beach | 2 |
| Albany | 1 |
| Dothan | 1 |
| Gainesville | 1 |
| Macon-Bibb County | 1 |
| Valdosta | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900W44IWNZ2DBCR56 | 2024–2025 |
Established 5 April 2004. Reported under HMDA 2024-2025.
Mergers, name changes, data editions and corrections: First National Bank of Decatur County's data.
First National Bank of Decatur County's data
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First National Bank of Decatur 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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