Applications / Mortgage Analytics / Lenders / Alabama / Phenix-Girard Bank
Phenix City, AL · State non-member bank · FDIC · $345 million assets · 54 loans in 2025
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54
loans originated, 2025
56
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Phenix-Girard Bank, which has lent around Phenix City since at least 1990, makes small loans and places far more of them in poorer and majority-minority neighborhoods than similar banks do.
Some 42.6% of its loans went to homes in low- and moderate-income (LMI) neighborhoods, against 18.5% at similar lenders, state non-member banks making between half and twice as many loans. That is higher than about nine in ten of them. Its share in majority-minority neighborhoods, 24.1% against 6.3%, is higher than about three-quarters. Its share of loans to LMI borrowers, 20.6%, is below the middle of the group.
Its typical loan was $85,000, against $167,500 at similar lenders, smaller than at more than nine in ten of them. It made no jumbo loans (larger than the conforming limit) and no government-backed ones. Purchases were 55.6% of its lending and refinances 38.9%.
In Columbus, AL-GA, its largest market and one it has served since at least 1990, it held 0.3% of lending, unchanged on 2024, ranking 61 of 318 lenders. Synovus Bank and United Wholesale Mortgage lead there. In Auburn-Opelika its share fell to 0.1% from 0.4%; with 54 loans a year, a few loans either way can move a share that small.
It made 54 loans, up 10%, in line with the whole market. That is fewer than the 60 of 2018. It filed no report for 2020 or 2021, when a bank making fewer than 100 loans need not report, so those years are a gap in its record rather than a fall.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Phenix-Girard Bank took 56 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 55.6% · Refinance 38.9% · Home improvement 5.6%
Conventional 100.0% · of 54 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 |
|---|---|---|
| Alabama | 48 | 88.9% |
| Georgia | 5 | 9.3% |
| Florida | 1 | 1.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Columbus | 39 |
| Auburn-Opelika | 13 |
| Panama City-Panama City Beach | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300EW4BA2XQFITZ61 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 432432 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 341 | 1990–2017 |
Established 4 May 1904. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Phenix-Girard Bank's data.
Phenix-Girard Bank's data
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