First Colony Mortgage in Georgia vs the state
5.0%Denial rate-14.19 pts vs state
6.8%Decision denial rate-18.27 pts vs state
53.0%Origination rate-1.05 pts vs state
6.50%Median rate-0.13 pts vs state
0.24Rate spread (pts)-0.03 pts vs state
$107kMedian applicant income
253Loans originated
24Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 72 | 54 | 8.3% | 6.88% | #368 |
| 2024 | 433 | 265 | 7.4% | 6.63% | #152 |
| 2025 | 477 | 253 | 5.0% | 6.50% | #157 |
What First Colony Mortgage lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most First Colony Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Gwinnett County | 46 | 32 | 2 | 4.3% |
| Bulloch County | 34 | 18 | 1 | 2.9% |
| Fulton County | 32 | 17 | 3 | 9.4% |
| Houston County | 27 | 12 | 2 | 7.4% |
| Laurens County | 23 | 8 | 4 | 17.4% |
| DeKalb County | 21 | 11 | 1 | 4.8% |
| Jones County | 16 | 9 | 0 | 0.0% |
| Pulaski County | 16 | 5 | 0 | 0.0% |
| Forsyth County | 16 | 12 | 0 | 0.0% |
| Crisp County | 13 | 6 | 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: 477 applications in 2025, of which 253 were originated and 24 denied.
5.0% of all applications, or 6.8% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans First Colony Mortgage originated in Georgia in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are First Colony 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