Applications / Mortgage Analytics / Lenders / Georgia / First National Bank of Griffin
Griffin, GA · National bank · OCC · $366 million assets · 39 loans in 2025
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39
loans originated, 2025
44
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First National Bank of Griffin, a small Georgia bank that mostly refinances, makes far more of its loans in poorer neighborhoods than similar lenders do.
Low- and moderate-income (LMI) neighborhoods took 57.9% of its 39 loans, against 17.2% at similar lenders (national banks making between half and twice as many loans). That is higher than more than nine in ten of them. Majority-minority neighborhoods took 38.5%, against 8.6% at peers. A handful of loans can move these shares, but the LMI share has risen from 33.9% in 2020.
Refinances made up 61.5% of its loans and purchases 33.3%. All were conventional. Its typical loan was $125,000, against $175,000 at similar lenders, lower than about four in five of them.
It made 17% fewer loans than in 2024, while similar lenders were flat and the market grew by 10%. In 2020 it made 165. The record does not say why. Refinances, which make up most of its lending, rise and fall with interest rates, and that could account for some of the drop.
In Atlanta-Sandy Springs-Alpharetta, its largest market, it ranked 383 of 892 lenders. It has lent in Athens-Clarke County since 1997 and in Charleston-North Charleston since 2018, with a tiny 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, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. First National Bank of Griffin took 44 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 61.5% · Purchase 33.3% · Home improvement 5.1%
Conventional 100.0% · of 39 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 | 38 | 97.4% |
| South Carolina | 1 | 2.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Atlanta-Sandy Springs-Roswell | 35 |
| Athens-Clarke County | 1 |
| Charleston-North Charleston | 1 |
| Marietta | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900EL4XB15QW2WI69 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 563233 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 115572 | 1990–2017 |
Established 12 May 1933. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: First National Bank of Griffin's data.
First National Bank of Griffin's data
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First National Bank of Griffin 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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