First Federal Savings and Loan Association of Valdosta in Georgia vs the state
0.0%Denial rate-19.22 pts vs state
0.0%Decision denial rate-25.07 pts vs state
100.0%Origination rate+45.91 pts vs state
—Median rate
—Rate spread (pts)
$127kMedian applicant income
150Loans originated
0Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 143 | 139 | 0.0% | — | #264 |
| 2024 | 162 | 161 | 0.0% | — | #261 |
| 2025 | 150 | 150 | 0.0% | — | #280 |
What First Federal Savings and Loan Association of Valdosta lends in Georgia
By loan purpose
By loan type
Where in Georgia
Counties with the most First Federal Savings and Loan Association of Valdosta applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lowndes County | 127 | 127 | 0 | 0.0% |
| Brooks County | 7 | 7 | 0 | 0.0% |
| Echols County | 6 | 6 | 0 | 0.0% |
| Cook County | 5 | 5 | 0 | 0.0% |
| Berrien County | 3 | 3 | 0 | 0.0% |
| Lanier County | 1 | 1 | 0 | 0.0% |
| Greene 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: 150 applications in 2025, of which 150 were originated and 0 denied.
0.0% of all applications, or 0.0% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are First Federal Savings and Loan Association of Valdosta'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