First American Bank in Georgia vs the state
33.3%Denial rate+14.11 pts vs state
37.5%Decision denial rate+12.43 pts vs state
55.6%Origination rate+1.47 pts vs state
7.50%Median rate+0.88 pts vs state
0.24Rate spread (pts)-0.03 pts vs state
$170kMedian applicant income
10Loans originated
6Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 8 | 5 | 25.0% | 8.00% | #692 |
| 2024 | 7 | 4 | 42.9% | 8.62% | #706 |
| 2025 | 18 | 10 | 33.3% | 7.50% | #586 |
What First American Bank lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most First American Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Gwinnett County | 4 | 2 | 2 | 50.0% |
| Fulton County | 4 | 3 | 1 | 25.0% |
| Cobb County | 4 | 3 | 0 | 0.0% |
| Cherokee County | 2 | 1 | 1 | 50.0% |
| Douglas County | 2 | 0 | 1 | 50.0% |
| Polk County | 1 | 0 | 1 | 100.0% |
| Newton 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: 18 applications in 2025, of which 10 were originated and 6 denied.
33.3% of all applications, or 37.5% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans First American Bank originated in Georgia in 2025 was 7.50%, against a statewide median of 6.63%.
About this data. Figures are First American Bank'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