First Savings Bank in Georgia vs the state
34.5%Denial rate+15.26 pts vs state
40.0%Decision denial rate+14.93 pts vs state
41.4%Origination rate-12.71 pts vs state
7.63%Median rate+1.00 pts vs state
0.35Rate spread (pts)+0.08 pts vs state
$124kMedian applicant income
24Loans originated
20Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 116 | 70 | 9.5% | 7.00% | #285 |
| 2024 | 74 | 26 | 47.3% | 7.38% | #379 |
| 2025 | 58 | 24 | 34.5% | 7.63% | #422 |
What First Savings Bank lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most First Savings Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cobb County | 6 | 2 | 2 | 33.3% |
| Gwinnett County | 6 | 3 | 1 | 16.7% |
| Walton County | 5 | 2 | 3 | 60.0% |
| Fulton County | 5 | 3 | 1 | 20.0% |
| Henry County | 5 | 3 | 1 | 20.0% |
| Cherokee County | 4 | 0 | 2 | 50.0% |
| Whitfield County | 2 | 1 | 0 | 0.0% |
| Newton County | 2 | 0 | 2 | 100.0% |
| Coweta County | 2 | 0 | 1 | 50.0% |
| Barrow 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: 58 applications in 2025, of which 24 were originated and 20 denied.
34.5% of all applications, or 40.0% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans First Savings Bank originated in Georgia in 2025 was 7.63%, against a statewide median of 6.63%.
About this data. Figures are First Savings 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