First Federal Bank in Georgia vs the state
5.4%Denial rate-13.78 pts vs state
7.5%Decision denial rate-17.53 pts vs state
65.6%Origination rate+11.51 pts vs state
6.50%Median rate-0.13 pts vs state
0.02Rate spread (pts)-0.25 pts vs state
$148kMedian applicant income
410Loans originated
34Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 815 | 639 | 5.6% | 6.50% | #93 |
| 2024 | 718 | 504 | 6.7% | 6.50% | #111 |
| 2025 | 625 | 410 | 5.4% | 6.50% | #134 |
What First Federal Bank lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most First Federal Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fulton County | 116 | 70 | 4 | 3.4% |
| Cobb County | 85 | 62 | 5 | 5.9% |
| DeKalb County | 77 | 54 | 0 | 0.0% |
| Forsyth County | 32 | 22 | 0 | 0.0% |
| Cherokee County | 29 | 22 | 1 | 3.4% |
| Gwinnett County | 28 | 19 | 0 | 0.0% |
| Glynn County | 19 | 14 | 1 | 5.3% |
| Chatham County | 18 | 13 | 1 | 5.6% |
| Columbia County | 17 | 9 | 1 | 5.9% |
| Hall County | 11 | 9 | 1 | 9.1% |
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: 625 applications in 2025, of which 410 were originated and 34 denied.
5.4% of all applications, or 7.5% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans First Federal Bank originated in Georgia in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are First Federal 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