First Financial Bank in Georgia vs the state
35.3%Denial rate+16.07 pts vs state
37.5%Decision denial rate+12.43 pts vs state
55.9%Origination rate+1.79 pts vs state
7.00%Median rate+0.38 pts vs state
0.30Rate spread (pts)+0.03 pts vs state
$72kMedian applicant income
19Loans originated
12Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 15 | 7 | 40.0% | 8.00% | #597 |
| 2025 | 34 | 19 | 35.3% | 7.00% | #507 |
What First Financial Bank lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most First Financial Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Walker County | 23 | 13 | 8 | 34.8% |
| Catoosa County | 9 | 4 | 4 | 44.4% |
| Coweta County | 1 | 1 | 0 | 0.0% |
| Whitfield 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: 34 applications in 2025, of which 19 were originated and 12 denied.
35.3% of all applications, or 37.5% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans First Financial Bank originated in Georgia in 2025 was 7.00%, against a statewide median of 6.63%.
About this data. Figures are First Financial 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