First National Bank of Griffin
First National Bank of Griffin received 44 applications in 2025 and made 39 mortgages, in 12 counties across 2 states. The median rate its borrowers got was Not published on a median loan of $125,000. Of 41 decisions, 2 were denials — 4.9%, most often for debt-to-income ratio.
| Legal Entity Identifier | 254900EL4XB15QW2WI69 |
|---|---|
| Applications received | 44 |
| Mortgages made | 39 |
| Denied | 2 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 3 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: First National Bank of Griffin, 6 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 13 | Not published | $175,000 | 0.0% |
| Refinancing | 20 | Not published | $65,000 | 9.1% |
| Cash-out refinancing | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Other purposes | 2 | Under 10 loans | Under 10 loans | 0.0% |
Where First National Bank of Griffin lends most
The 12 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Spalding County, GA | 25 | Not published | 3.9% |
| Pike County, GA | 4 | Under 10 loans | 0.0% |
| Henry County, GA | 2 | Under 10 loans | 0.0% |
| Carroll County, GA | 1 | Under 10 loans | 0.0% |
| Cobb County, GA | 1 | Under 10 loans | 0.0% |
| Coweta County, GA | 1 | Under 10 loans | 0.0% |
| Fulton County, GA | 1 | Under 10 loans | 0.0% |
| Greene County, GA | 1 | Under 10 loans | 0.0% |
| Gwinnett County, GA | 1 | Under 10 loans | 0.0% |
| Oconee County, GA | 1 | Under 10 loans | 0.0% |
| Dorchester County, SC | 1 | Under 10 loans | 0.0% |
| Lamar County, GA | 0 | Under 10 loans | 100.0% |
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When First National Bank of Griffin’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.