First Commerce Credit Union in Georgia vs the state
26.9%Denial rate+7.64 pts vs state
28.8%Decision denial rate+3.69 pts vs state
60.3%Origination rate+6.24 pts vs state
7.25%Median rate+0.63 pts vs state
0.06Rate spread (pts)-0.21 pts vs state
$81kMedian applicant income
146Loans originated
65Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 206 | 101 | 28.2% | 7.50% | #221 |
| 2024 | 254 | 138 | 33.1% | 8.25% | #206 |
| 2025 | 242 | 146 | 26.9% | 7.25% | #224 |
What First Commerce Credit Union lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most First Commerce Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lowndes County | 75 | 42 | 24 | 32.0% |
| Thomas County | 51 | 36 | 10 | 19.6% |
| Cook County | 44 | 24 | 13 | 29.5% |
| Berrien County | 29 | 15 | 10 | 34.5% |
| Grady County | 11 | 9 | 2 | 18.2% |
| Brooks County | 8 | 5 | 2 | 25.0% |
| Colquitt County | 7 | 6 | 0 | 0.0% |
| Lanier County | 4 | 3 | 0 | 0.0% |
| Decatur County | 2 | 0 | 2 | 100.0% |
| Mitchell County | 2 | 2 | 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: 242 applications in 2025, of which 146 were originated and 65 denied.
26.9% of all applications, or 28.8% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans First Commerce Credit Union originated in Georgia in 2025 was 7.25%, against a statewide median of 6.63%.
About this data. Figures are First Commerce Credit Union'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