First-Citizens Bank & Trust in Georgia vs the state
21.7%Denial rate+2.43 pts vs state
24.6%Decision denial rate-0.43 pts vs state
63.0%Origination rate+8.87 pts vs state
6.35%Median rate-0.28 pts vs state
-0.12Rate spread (pts)-0.39 pts vs state
$148kMedian applicant income
442Loans originated
152Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 759 | 461 | 25.7% | 6.49% | #96 |
| 2024 | 802 | 505 | 23.8% | 5.99% | #99 |
| 2025 | 702 | 442 | 21.7% | 6.35% | #121 |
What First-Citizens Bank & Trust lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most First-Citizens Bank & Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fulton County | 81 | 52 | 12 | 14.8% |
| Columbia County | 76 | 51 | 16 | 21.1% |
| Chatham County | 59 | 40 | 8 | 13.6% |
| Cobb County | 52 | 33 | 10 | 19.2% |
| Gwinnett County | 46 | 27 | 10 | 21.7% |
| Madison County | 45 | 30 | 14 | 31.1% |
| Richmond County | 40 | 23 | 14 | 35.0% |
| Hart County | 39 | 24 | 10 | 25.6% |
| DeKalb County | 37 | 18 | 6 | 16.2% |
| Franklin County | 26 | 19 | 5 | 19.2% |
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: 702 applications in 2025, of which 442 were originated and 152 denied.
21.7% of all applications, or 24.6% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans First-Citizens Bank & Trust originated in Georgia in 2025 was 6.35%, against a statewide median of 6.63%.
About this data. Figures are First-Citizens Bank & Trust'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