Phenix-Girard Bank
Phenix-Girard Bank received 56 applications in 2025 and made 54 mortgages, in 5 counties across 3 states. The median rate its borrowers got was 7.850% on a median loan of $85,000. Of 55 decisions, 1 were denials — 1.8%, most often for credit history.
| Legal Entity Identifier | 549300EW4BA2XQFITZ61 |
|---|---|
| Applications received | 56 |
| Mortgages made | 54 |
| Denied | 1 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 1 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 1.483 points |
| FDIC-insured bank | Yes: Phenix-Girard Bank, 4 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 30 | 8.000% | $95,000 | 3.2% |
| Refinancing | 21 | 7.750% | $65,000 | 0.0% |
| Other purposes | 3 | Under 10 loans | Under 10 loans | 0.0% |
Where Phenix-Girard Bank lends most
The 5 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Russell County, AL | 35 | 7.750% | 0.0% |
| Lee County, AL | 13 | 8.000% | 7.1% |
| Muscogee County, GA | 4 | Under 10 loans | 0.0% |
| Bay County, FL | 1 | Under 10 loans | 0.0% |
| Troup County, GA | 1 | Under 10 loans | 0.0% |
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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.