First Reliance Bank in Georgia vs the state
7.5%Denial rate-11.72 pts vs state
8.6%Decision denial rate-16.50 pts vs state
80.0%Origination rate+25.91 pts vs state
6.50%Median rate-0.13 pts vs state
0.16Rate spread (pts)-0.11 pts vs state
$116kMedian applicant income
96Loans originated
9Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 71 | 66 | 2.8% | 6.38% | #369 |
| 2024 | 109 | 90 | 10.1% | 6.38% | #317 |
| 2025 | 120 | 96 | 7.5% | 6.50% | #312 |
What First Reliance Bank lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most First Reliance Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Thomas County | 59 | 49 | 2 | 3.4% |
| Fulton County | 11 | 9 | 0 | 0.0% |
| Grady County | 6 | 5 | 0 | 0.0% |
| Chatham County | 4 | 4 | 0 | 0.0% |
| Gilmer County | 4 | 4 | 0 | 0.0% |
| Gwinnett County | 4 | 3 | 0 | 0.0% |
| Towns County | 3 | 1 | 2 | 66.7% |
| Cherokee County | 2 | 1 | 0 | 0.0% |
| Burke County | 2 | 2 | 0 | 0.0% |
| Brooks County | 2 | 1 | 1 | 50.0% |
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: 120 applications in 2025, of which 96 were originated and 9 denied.
7.5% of all applications, or 8.6% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans First Reliance Bank originated in Georgia in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are First Reliance 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