First Technology Federal Credit Union in Georgia vs the state
11.7%Denial rate-7.57 pts vs state
13.6%Decision denial rate-11.43 pts vs state
61.2%Origination rate+7.08 pts vs state
7.50%Median rate+0.88 pts vs state
0.72Rate spread (pts)+0.45 pts vs state
$168kMedian applicant income
63Loans originated
12Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 90 | 49 | 15.6% | 8.63% | #334 |
| 2024 | 84 | 48 | 17.9% | 8.31% | #360 |
| 2025 | 103 | 63 | 11.7% | 7.50% | #332 |
What First Technology Federal Credit Union lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most First Technology Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fulton County | 24 | 12 | 4 | 16.7% |
| Forsyth County | 10 | 7 | 0 | 0.0% |
| Coweta County | 9 | 8 | 0 | 0.0% |
| Gwinnett County | 8 | 5 | 1 | 12.5% |
| DeKalb County | 7 | 5 | 1 | 14.3% |
| Cobb County | 6 | 4 | 0 | 0.0% |
| Cherokee County | 6 | 2 | 1 | 16.7% |
| Paulding County | 3 | 1 | 1 | 33.3% |
| Clayton County | 3 | 3 | 0 | 0.0% |
| Henry County | 3 | 2 | 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: 103 applications in 2025, of which 63 were originated and 12 denied.
11.7% of all applications, or 13.6% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans First Technology Federal Credit Union originated in Georgia in 2025 was 7.50%, against a statewide median of 6.63%.
About this data. Figures are First Technology Federal Credit Union'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