FirstBank in Georgia vs the state
31.4%Denial rate+12.18 pts vs state
33.2%Decision denial rate+8.11 pts vs state
52.6%Origination rate-1.50 pts vs state
6.99%Median rate+0.37 pts vs state
0.30Rate spread (pts)+0.03 pts vs state
$81kMedian applicant income
598Loans originated
357Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,661 | 555 | 48.3% | 6.88% | #52 |
| 2024 | 1,443 | 465 | 45.5% | 6.88% | #61 |
| 2025 | 1,137 | 598 | 31.4% | 6.99% | #81 |
What FirstBank lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most FirstBank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Whitfield County | 175 | 143 | 21 | 12.0% |
| Catoosa County | 89 | 71 | 6 | 6.7% |
| Muscogee County | 65 | 53 | 6 | 9.2% |
| Bartow County | 48 | 30 | 14 | 29.2% |
| Carroll County | 45 | 34 | 5 | 11.1% |
| Walker County | 41 | 32 | 5 | 12.2% |
| Henry County | 29 | 2 | 24 | 82.8% |
| Harris County | 27 | 16 | 5 | 18.5% |
| Colquitt County | 27 | 2 | 16 | 59.3% |
| Fulton County | 24 | 22 | 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: 1,137 applications in 2025, of which 598 were originated and 357 denied.
31.4% of all applications, or 33.2% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans FirstBank originated in Georgia in 2025 was 6.99%, against a statewide median of 6.63%.
About this data. Figures are FirstBank'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