First Port City Bank in Georgia vs the state
4.0%Denial rate-15.22 pts vs state
4.1%Decision denial rate-20.94 pts vs state
90.4%Origination rate+36.31 pts vs state
—Median rate
—Rate spread (pts)
$83kMedian applicant income
113Loans originated
5Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 104 | 86 | 8.7% | — | #307 |
| 2024 | 91 | 76 | 9.9% | — | #351 |
| 2025 | 125 | 113 | 4.0% | — | #306 |
What First Port City Bank lends in Georgia
By loan purpose
By loan type
Where in Georgia
Counties with the most First Port City Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Decatur County | 62 | 54 | 4 | 6.5% |
| Seminole County | 26 | 26 | 0 | 0.0% |
| Miller County | 7 | 7 | 0 | 0.0% |
| Grady County | 5 | 5 | 0 | 0.0% |
| Thomas County | 5 | 5 | 0 | 0.0% |
| Lowndes County | 4 | 3 | 0 | 0.0% |
| Dougherty County | 3 | 3 | 0 | 0.0% |
| Early County | 2 | 2 | 0 | 0.0% |
| Paulding County | 2 | 2 | 0 | 0.0% |
| Lee 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: 125 applications in 2025, of which 113 were originated and 5 denied.
4.0% of all applications, or 4.1% 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 Port City 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