First National Bank of Pennsylvania in Georgia vs the state
15.8%Denial rate-3.43 pts vs state
16.7%Decision denial rate-8.40 pts vs state
79.0%Origination rate+24.86 pts vs state
6.38%Median rate-0.25 pts vs state
-0.06Rate spread (pts)-0.33 pts vs state
$275kMedian applicant income
15Loans originated
3Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 96 | 65 | 15.6% | 6.13% | #323 |
| 2024 | 107 | 75 | 15.9% | 6.75% | #318 |
| 2025 | 19 | 15 | 15.8% | 6.38% | #576 |
What First National Bank of Pennsylvania 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 Pennsylvania applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fulton County | 6 | 6 | 0 | 0.0% |
| Glynn County | 2 | 1 | 1 | 50.0% |
| Cherokee County | 2 | 2 | 0 | 0.0% |
| Lowndes County | 2 | 1 | 1 | 50.0% |
| DeKalb County | 2 | 2 | 0 | 0.0% |
| Camden County | 1 | 1 | 0 | 0.0% |
| Fayette County | 1 | 0 | 1 | 100.0% |
| Columbia County | 1 | 1 | 0 | 0.0% |
| Gwinnett County | 1 | 1 | 0 | 0.0% |
| Douglas County | 1 | 0 | 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: 19 applications in 2025, of which 15 were originated and 3 denied.
15.8% of all applications, or 16.7% 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 Pennsylvania originated in Georgia in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are First National Bank of Pennsylvania'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