City First Mortgage Services in Georgia vs the state
5.5%Denial rate-13.77 pts vs state
9.1%Decision denial rate-15.98 pts vs state
54.6%Origination rate+0.46 pts vs state
6.75%Median rate+0.13 pts vs state
0.71Rate spread (pts)+0.44 pts vs state
$99kMedian applicant income
30Loans originated
3Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 64 | 43 | 0.0% | 7.13% | #386 |
| 2024 | 153 | 84 | 7.2% | 6.75% | #266 |
| 2025 | 55 | 30 | 5.5% | 6.75% | #427 |
What City First Mortgage Services lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most City First Mortgage Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cobb County | 8 | 4 | 0 | 0.0% |
| Fulton County | 7 | 3 | 0 | 0.0% |
| Forsyth County | 3 | 3 | 0 | 0.0% |
| Henry County | 3 | 0 | 2 | 66.7% |
| Gwinnett County | 3 | 2 | 1 | 33.3% |
| DeKalb County | 3 | 0 | 0 | 0.0% |
| Jackson County | 3 | 3 | 0 | 0.0% |
| Coweta County | 2 | 2 | 0 | 0.0% |
| Rockdale County | 2 | 1 | 0 | 0.0% |
| Butts County | 2 | 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: 55 applications in 2025, of which 30 were originated and 3 denied.
5.5% of all applications, or 9.1% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans City First Mortgage Services originated in Georgia in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are City First Mortgage Services'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