First Choice Mortgage in Georgia vs the state
0.9%Denial rate-18.32 pts vs state
1.3%Decision denial rate-23.77 pts vs state
67.6%Origination rate+13.48 pts vs state
6.50%Median rate-0.13 pts vs state
0.80Rate spread (pts)+0.53 pts vs state
$78kMedian applicant income
75Loans originated
1Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 93 | 65 | 0.0% | 6.75% | #326 |
| 2024 | 105 | 65 | 1.0% | 6.63% | #323 |
| 2025 | 111 | 75 | 0.9% | 6.50% | #323 |
What First Choice Mortgage lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most First Choice Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Columbia County | 49 | 37 | 0 | 0.0% |
| Richmond County | 42 | 24 | 1 | 2.4% |
| Burke County | 5 | 3 | 0 | 0.0% |
| McDuffie County | 5 | 3 | 0 | 0.0% |
| Henry County | 3 | 2 | 0 | 0.0% |
| Jefferson County | 2 | 2 | 0 | 0.0% |
| Glascock County | 1 | 0 | 0 | 0.0% |
| Appling County | 1 | 1 | 0 | 0.0% |
| Candler County | 1 | 1 | 0 | 0.0% |
| Wilkes 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: 111 applications in 2025, of which 75 were originated and 1 denied.
0.9% of all applications, or 1.3% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans First Choice Mortgage originated in Georgia in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are First Choice Mortgage'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