First Option Mortgage in Georgia vs the state
2.7%Denial rate-16.56 pts vs state
3.3%Decision denial rate-21.77 pts vs state
69.6%Origination rate+15.46 pts vs state
7.00%Median rate+0.38 pts vs state
0.77Rate spread (pts)+0.50 pts vs state
$96kMedian applicant income
836Loans originated
32Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,845 | 1,271 | 3.0% | 7.13% | #49 |
| 2024 | 2,038 | 1,404 | 3.2% | 7.13% | #46 |
| 2025 | 1,202 | 836 | 2.7% | 7.00% | #79 |
What First Option Mortgage lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most First Option Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Gwinnett County | 382 | 276 | 10 | 2.6% |
| DeKalb County | 157 | 113 | 4 | 2.5% |
| Cobb County | 138 | 89 | 5 | 3.6% |
| Fulton County | 54 | 36 | 0 | 0.0% |
| Clayton County | 52 | 31 | 2 | 3.8% |
| Hall County | 48 | 38 | 0 | 0.0% |
| Barrow County | 42 | 24 | 1 | 2.4% |
| Douglas County | 35 | 25 | 3 | 8.6% |
| Cherokee County | 32 | 26 | 0 | 0.0% |
| Paulding County | 28 | 16 | 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: 1,202 applications in 2025, of which 836 were originated and 32 denied.
2.7% of all applications, or 3.3% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans First Option Mortgage originated in Georgia in 2025 was 7.00%, against a statewide median of 6.63%.
About this data. Figures are First Option 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