First Horizon Bank in Georgia vs the state
13.8%Denial rate-5.47 pts vs state
16.1%Decision denial rate-8.94 pts vs state
68.9%Origination rate+14.84 pts vs state
6.63%Median rate0.00 pts vs state
0.14Rate spread (pts)-0.13 pts vs state
$208kMedian applicant income
426Loans originated
85Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 800 | 538 | 17.6% | 5.81% | #94 |
| 2024 | 657 | 442 | 12.9% | 6.88% | #121 |
| 2025 | 618 | 426 | 13.8% | 6.63% | #135 |
What First Horizon Bank lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most First Horizon Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fulton County | 180 | 129 | 24 | 13.3% |
| DeKalb County | 99 | 67 | 5 | 5.1% |
| Cobb County | 93 | 66 | 8 | 8.6% |
| Gwinnett County | 50 | 34 | 9 | 18.0% |
| Forsyth County | 26 | 20 | 3 | 11.5% |
| Catoosa County | 25 | 12 | 9 | 36.0% |
| Cherokee County | 20 | 14 | 3 | 15.0% |
| Lumpkin County | 12 | 6 | 4 | 33.3% |
| Hall County | 10 | 9 | 1 | 10.0% |
| Walker County | 9 | 6 | 3 | 33.3% |
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: 618 applications in 2025, of which 426 were originated and 85 denied.
13.8% of all applications, or 16.1% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans First Horizon Bank originated in Georgia in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are First Horizon 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