First Community Mortgage in Georgia vs the state
7.0%Denial rate-12.19 pts vs state
7.9%Decision denial rate-17.16 pts vs state
71.7%Origination rate+17.63 pts vs state
6.63%Median rate0.00 pts vs state
0.30Rate spread (pts)+0.03 pts vs state
$110kMedian applicant income
520Loans originated
51Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 763 | 584 | 5.4% | 6.75% | #95 |
| 2024 | 843 | 627 | 5.8% | 6.63% | #93 |
| 2025 | 725 | 520 | 7.0% | 6.63% | #117 |
What First Community Mortgage lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most First Community Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fulton County | 108 | 76 | 6 | 5.6% |
| Cobb County | 46 | 34 | 1 | 2.2% |
| DeKalb County | 43 | 32 | 4 | 9.3% |
| Gwinnett County | 38 | 30 | 1 | 2.6% |
| Coweta County | 38 | 31 | 2 | 5.3% |
| Fayette County | 27 | 20 | 1 | 3.7% |
| Bulloch County | 22 | 18 | 1 | 4.5% |
| Hall County | 19 | 16 | 0 | 0.0% |
| Catoosa County | 19 | 12 | 4 | 21.1% |
| Whitfield County | 17 | 12 | 2 | 11.8% |
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: 725 applications in 2025, of which 520 were originated and 51 denied.
7.0% of all applications, or 7.9% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans First Community Mortgage originated in Georgia in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are First Community 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