First Community Bank in Georgia vs the state
5.3%Denial rate-13.96 pts vs state
7.0%Decision denial rate-18.09 pts vs state
70.2%Origination rate+16.09 pts vs state
6.75%Median rate+0.13 pts vs state
0.51Rate spread (pts)+0.24 pts vs state
$129kMedian applicant income
40Loans originated
3Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 68 | 48 | 5.9% | 6.75% | #375 |
| 2024 | 49 | 34 | 8.2% | 7.13% | #433 |
| 2025 | 57 | 40 | 5.3% | 6.75% | #423 |
What First Community Bank lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most First Community Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Richmond County | 26 | 17 | 1 | 3.8% |
| Columbia County | 19 | 13 | 1 | 5.3% |
| Fulton County | 2 | 2 | 0 | 0.0% |
| DeKalb County | 1 | 1 | 0 | 0.0% |
| Gwinnett County | 1 | 1 | 0 | 0.0% |
| Jefferson County | 1 | 1 | 0 | 0.0% |
| Wilkes County | 1 | 0 | 0 | 0.0% |
| Jenkins County | 1 | 0 | 1 | 100.0% |
| Bulloch County | 1 | 1 | 0 | 0.0% |
| Cherokee 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: 57 applications in 2025, of which 40 were originated and 3 denied.
5.3% of all applications, or 7.0% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans First Community Bank originated in Georgia in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are First Community 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