First Citizens National Bank in Georgia vs the state
15.4%Denial rate-3.84 pts vs state
16.7%Decision denial rate-8.40 pts vs state
76.9%Origination rate+22.83 pts vs state
6.95%Median rate+0.33 pts vs state
-0.10Rate spread (pts)-0.37 pts vs state
$108kMedian applicant income
10Loans originated
2Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 20 | 11 | 20.0% | 7.06% | #552 |
| 2024 | 18 | 10 | 22.2% | 6.93% | #571 |
| 2025 | 13 | 10 | 15.4% | 6.95% | #628 |
What First Citizens National Bank lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most First Citizens National Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Walker County | 5 | 3 | 2 | 40.0% |
| Catoosa County | 5 | 5 | 0 | 0.0% |
| Murray County | 2 | 1 | 0 | 0.0% |
| Haralson 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: 13 applications in 2025, of which 10 were originated and 2 denied.
15.4% of all applications, or 16.7% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans First Citizens National Bank originated in Georgia in 2025 was 6.95%, against a statewide median of 6.63%.
About this data. Figures are First Citizens National 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