Southern First Bank in Georgia vs the state
4.6%Denial rate-14.58 pts vs state
5.8%Decision denial rate-19.30 pts vs state
71.1%Origination rate+17.04 pts vs state
6.88%Median rate+0.25 pts vs state
0.22Rate spread (pts)-0.05 pts vs state
$213kMedian applicant income
138Loans originated
9Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 180 | 122 | 6.7% | 6.99% | #241 |
| 2024 | 227 | 152 | 7.1% | 7.13% | #218 |
| 2025 | 194 | 138 | 4.6% | 6.88% | #252 |
What Southern First Bank lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Southern First Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fulton County | 76 | 48 | 5 | 6.6% |
| Cobb County | 32 | 26 | 0 | 0.0% |
| DeKalb County | 30 | 24 | 2 | 6.7% |
| Gwinnett County | 10 | 6 | 1 | 10.0% |
| Forsyth County | 4 | 1 | 1 | 25.0% |
| Greene County | 3 | 3 | 0 | 0.0% |
| Cherokee County | 3 | 2 | 0 | 0.0% |
| Rabun County | 3 | 3 | 0 | 0.0% |
| Henry County | 3 | 1 | 0 | 0.0% |
| Carroll County | 2 | 1 | 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: 194 applications in 2025, of which 138 were originated and 9 denied.
4.6% of all applications, or 5.8% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Southern First Bank originated in Georgia in 2025 was 6.88%, against a statewide median of 6.63%.
About this data. Figures are Southern First 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