First Heritage Mortgage in Georgia vs the state
4.1%Denial rate-15.08 pts vs state
4.8%Decision denial rate-20.24 pts vs state
81.4%Origination rate+27.35 pts vs state
6.25%Median rate-0.38 pts vs state
0.05Rate spread (pts)-0.22 pts vs state
$129kMedian applicant income
452Loans originated
23Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 285 | 222 | 0.4% | 6.91% | #183 |
| 2024 | 679 | 527 | 2.4% | 6.50% | #118 |
| 2025 | 555 | 452 | 4.1% | 6.25% | #141 |
What First Heritage Mortgage lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most First Heritage Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Columbia County | 119 | 104 | 5 | 4.2% |
| Gwinnett County | 108 | 79 | 8 | 7.4% |
| Fulton County | 98 | 82 | 3 | 3.1% |
| Bartow County | 74 | 65 | 1 | 1.4% |
| Cherokee County | 59 | 55 | 1 | 1.7% |
| Henry County | 28 | 19 | 2 | 7.1% |
| Hall County | 12 | 6 | 1 | 8.3% |
| Cobb County | 11 | 8 | 0 | 0.0% |
| Carroll County | 5 | 2 | 1 | 20.0% |
| Forsyth County | 4 | 4 | 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: 555 applications in 2025, of which 452 were originated and 23 denied.
4.1% of all applications, or 4.8% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans First Heritage Mortgage originated in Georgia in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are First Heritage 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