First Credit Corporation of New York in Georgia vs the state
75.0%Denial rate+55.78 pts vs state
80.0%Decision denial rate+54.93 pts vs state
6.3%Origination rate-47.84 pts vs state
7.99%Median rate+1.37 pts vs state
2.13Rate spread (pts)+1.86 pts vs state
$47kMedian applicant income
1Loans originated
12Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 26 | 0 | 92.3% | — | #518 |
| 2024 | 19 | 0 | 94.7% | — | #564 |
| 2025 | 16 | 1 | 75.0% | 7.99% | #595 |
What First Credit Corporation of New York lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most First Credit Corporation of New York applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Richmond County | 4 | 0 | 2 | 50.0% |
| Fayette County | 2 | 0 | 2 | 100.0% |
| Columbia County | 2 | 1 | 0 | 0.0% |
| Gwinnett County | 2 | 0 | 2 | 100.0% |
| DeKalb County | 2 | 0 | 2 | 100.0% |
| Henry County | 2 | 0 | 2 | 100.0% |
| Clayton County | 1 | 0 | 1 | 100.0% |
| Walton County | 1 | 0 | 1 | 100.0% |
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: 16 applications in 2025, of which 1 were originated and 12 denied.
75.0% of all applications, or 80.0% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans First Credit Corporation of New York originated in Georgia in 2025 was 7.99%, against a statewide median of 6.63%.
About this data. Figures are First Credit Corporation of New York'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