First National Bank of Decatur County in Georgia vs the state
3.0%Denial rate-16.23 pts vs state
3.0%Decision denial rate-22.08 pts vs state
97.0%Origination rate+42.92 pts vs state
—Median rate
—Rate spread (pts)
$106kMedian applicant income
65Loans originated
2Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 162 | 140 | 6.8% | — | #260 |
| 2025 | 67 | 65 | 3.0% | — | #400 |
What First National Bank of Decatur County 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 Decatur County applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Decatur County | 24 | 23 | 1 | 4.2% |
| Colquitt County | 22 | 22 | 0 | 0.0% |
| Grady County | 7 | 6 | 1 | 14.3% |
| Thomas County | 3 | 3 | 0 | 0.0% |
| Mitchell County | 2 | 2 | 0 | 0.0% |
| Bibb County | 1 | 1 | 0 | 0.0% |
| Early County | 1 | 1 | 0 | 0.0% |
| Seminole County | 1 | 1 | 0 | 0.0% |
| Randolph County | 1 | 1 | 0 | 0.0% |
| Miller 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: 67 applications in 2025, of which 65 were originated and 2 denied.
3.0% of all applications, or 3.0% 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 National Bank of Decatur County'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