First National Bank of America in Georgia vs the state
8.5%Denial rate-10.73 pts vs state
11.4%Decision denial rate-13.67 pts vs state
65.3%Origination rate+11.16 pts vs state
8.88%Median rate+2.25 pts vs state
2.64Rate spread (pts)+2.37 pts vs state
$113kMedian applicant income
169Loans originated
22Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 422 | 297 | 9.5% | 9.88% | #143 |
| 2024 | 461 | 330 | 11.5% | 9.50% | #148 |
| 2025 | 259 | 169 | 8.5% | 8.88% | #210 |
What First National Bank of America lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most First National Bank of America applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Gwinnett County | 64 | 42 | 5 | 7.8% |
| Cobb County | 38 | 22 | 1 | 2.6% |
| DeKalb County | 22 | 15 | 4 | 18.2% |
| Henry County | 14 | 7 | 1 | 7.1% |
| Hall County | 10 | 7 | 0 | 0.0% |
| Fulton County | 9 | 6 | 0 | 0.0% |
| Chatham County | 8 | 7 | 1 | 12.5% |
| Forsyth County | 6 | 4 | 0 | 0.0% |
| Douglas County | 6 | 6 | 0 | 0.0% |
| Cherokee County | 6 | 5 | 1 | 16.7% |
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: 259 applications in 2025, of which 169 were originated and 22 denied.
8.5% of all applications, or 11.4% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans First National Bank of America originated in Georgia in 2025 was 8.88%, against a statewide median of 6.63%.
About this data. Figures are First National Bank of America'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