Reliance First Capital in Georgia vs the state
3.9%Denial rate-15.34 pts vs state
4.6%Decision denial rate-20.50 pts vs state
77.6%Origination rate+23.50 pts vs state
6.63%Median rate0.00 pts vs state
0.66Rate spread (pts)+0.39 pts vs state
$72kMedian applicant income
180Loans originated
9Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 375 | 288 | 6.7% | 6.75% | #158 |
| 2024 | 331 | 255 | 7.0% | 6.88% | #180 |
| 2025 | 232 | 180 | 3.9% | 6.63% | #229 |
What Reliance First Capital lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Reliance First Capital applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cobb County | 20 | 13 | 2 | 10.0% |
| Gwinnett County | 19 | 16 | 3 | 15.8% |
| Fulton County | 15 | 7 | 1 | 6.7% |
| DeKalb County | 12 | 10 | 0 | 0.0% |
| Clayton County | 11 | 6 | 1 | 9.1% |
| Houston County | 7 | 5 | 0 | 0.0% |
| Chatham County | 7 | 6 | 0 | 0.0% |
| Paulding County | 6 | 4 | 0 | 0.0% |
| Cherokee County | 6 | 5 | 0 | 0.0% |
| Rockdale County | 6 | 3 | 1 | 16.7% |
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: 232 applications in 2025, of which 180 were originated and 9 denied.
3.9% of all applications, or 4.6% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Reliance First Capital originated in Georgia in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Reliance First Capital'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