First National Bank of Decatur County
First National Bank of Decatur County received 75 applications in 2025 and made 72 mortgages, in 19 counties across 3 states. The median rate its borrowers got was Not published on a median loan of $205,000. Of 75 decisions, 3 were denials — 4.0%, most often for debt-to-income ratio.
| Legal Entity Identifier | 254900W44IWNZ2DBCR56 |
|---|---|
| Applications received | 75 |
| Mortgages made | 72 |
| Denied | 3 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 0 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: First National Bank of Decatur County, 6 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 32 | Not published | $220,000 | 0.0% |
| Refinancing | 20 | Not published | $225,000 | 0.0% |
| Cash-out refinancing | 16 | Not published | $155,000 | 5.9% |
| Other purposes | 4 | Under 10 loans | Under 10 loans | 33.3% |
Where First National Bank of Decatur County lends most
The 19 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Decatur County, GA | 23 | Not published | 4.2% |
| Colquitt County, GA | 22 | Not published | 0.0% |
| Grady County, GA | 6 | Under 10 loans | 14.3% |
| Walton County, FL | 3 | Under 10 loans | 0.0% |
| Thomas County, GA | 3 | Under 10 loans | 0.0% |
| Bay County, FL | 2 | Under 10 loans | 0.0% |
| Mitchell County, GA | 2 | Under 10 loans | 0.0% |
| Henry County, AL | 1 | Under 10 loans | 0.0% |
| Okaloosa County, FL | 1 | Under 10 loans | 0.0% |
| Bibb County, GA | 1 | Under 10 loans | 0.0% |
| Brooks County, GA | 1 | Under 10 loans | 0.0% |
| Dougherty County, GA | 1 | Under 10 loans | 0.0% |
| Early County, GA | 1 | Under 10 loans | 0.0% |
| Hall County, GA | 1 | Under 10 loans | 0.0% |
| Miller County, GA | 1 | Under 10 loans | 0.0% |
| Randolph County, GA | 1 | Under 10 loans | 0.0% |
| Seminole County, GA | 1 | Under 10 loans | 0.0% |
| Tift County, GA | 1 | Under 10 loans | 0.0% |
| Gulf County, FL | 0 | Under 10 loans | 100.0% |
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When First National Bank of Decatur County’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.