Citizens Equity First in Georgia vs the state
9.5%Denial rate-9.70 pts vs state
11.1%Decision denial rate-13.96 pts vs state
76.2%Origination rate+22.10 pts vs state
7.25%Median rate+0.63 pts vs state
-0.18Rate spread (pts)-0.45 pts vs state
$151kMedian applicant income
16Loans originated
2Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 33 | 20 | 9.1% | 7.00% | #473 |
| 2024 | 41 | 25 | 12.2% | 6.88% | #452 |
| 2025 | 21 | 16 | 9.5% | 7.25% | #562 |
What Citizens Equity First lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Citizens Equity First applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Paulding County | 2 | 1 | 0 | 0.0% |
| Monroe County | 2 | 1 | 1 | 50.0% |
| Pike County | 2 | 1 | 1 | 50.0% |
| Coweta County | 1 | 1 | 0 | 0.0% |
| Bartow County | 1 | 1 | 0 | 0.0% |
| Chatham County | 1 | 1 | 0 | 0.0% |
| Stephens County | 1 | 0 | 0 | 0.0% |
| Troup County | 1 | 1 | 0 | 0.0% |
| Carroll County | 1 | 1 | 0 | 0.0% |
| Bryan County | 1 | 1 | 0 | 0.0% |
Other large lenders in Georgia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 29,845 | 18.2% | 6.63% |
| United Shore Financial Services | B | 23,784 | 12.6% | 6.25% |
| Navy Federal Credit Union | D | 12,388 | 26.4% | 7.95% |
| Truist Bank | C | 10,563 | 38.7% | 6.49% |
| Pennymac Loan Services | C | 10,273 | 11.6% | 6.49% |
| Broker Solutions | D | 9,709 | 8.6% | 6.63% |
| Mortgage Research Center | C | 9,443 | 19.8% | 6.25% |
| Freedom Mortgage | B | 9,293 | 9.1% | 6.25% |
| Bank of America | F | 9,168 | 36.5% | 6.24% |
| Ameris Bank | B | 8,065 | 10.1% | 6.50% |
Frequently asked questions
Georgia: 21 applications in 2025, of which 16 were originated and 2 denied.
9.5% of all applications, or 11.1% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Citizens Equity First originated in Georgia in 2025 was 7.25%, against a statewide median of 6.63%.
About this data. Figures are Citizens Equity First's own HMDA filing for properties located in Georgia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology