Applications / Mortgage Analytics / Lenders / Georgia / First National Community Bank
Chatsworth, GA · National bank · OCC · $703 million assets · 60 loans in 2025
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60
loans originated, 2025
81
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First National Community Bank, based in Chatsworth, Georgia, is a small purchase lender that ranks 25 of 234 lenders in Dalton, its largest market.
Purchases made up 73.3% of its loans. Manufactured homes were 10.0%, against 1.2% at similar lenders (national banks making between half and twice as many loans), higher than about four in five of them. All were conventional, and its typical loan was $200,000, against $175,000 at peers.
Low- and moderate-income (LMI) borrowers took 33.3% of its loans, against 22.5% at similar lenders, and LMI neighborhoods 27.1%, against 16.4%. Both were higher than more than three in four peers. Majority-minority neighborhoods took 30.0%, against 8.1%. Each share rose from 2024.
In Dalton its share rose to 1.1% from 1.0%; FirstBank led there. In Rome its share fell from 1.9% to 0.9%, and it ranked 32 of 233. With 60 loans, a few large ones in 2024 could account for that, or a shift toward other markets: it first lent in Columbus, AL-GA in 2025.
Its loans rose 7% in 2025, against 2% at similar lenders and 10% for the market. It made 84 loans in 2023. It filed no report for 2020 to 2022; those are gaps in the record, not years without lending.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Community Bank took 81 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 73.3% · Refinance 16.7% · Home improvement 6.7% · Other 3.3%
Conventional 100.0% · of 60 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 | 54 | 90.0% |
| Alabama | 2 | 3.3% |
| Florida | 2 | 3.3% |
| Tennessee | 2 | 3.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Dalton | 23 |
| Rome | 18 |
| Marietta | 3 |
| Chattanooga | 2 |
| Gainesville | 2 |
| Columbus | 1 |
| Crestview-Fort Walton Beach-Destin | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300STIW51KDGL2B62 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 450632 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 116487 | 2004–2017 |
Established 18 August 1975. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: First National Community Bank's data.
First National Community Bank's data
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First National Community 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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