First Reliance Bank reported 120 applications for homes in Georgia in the HMDA data of 2025.
It originated 96 loans in the state in 2025, for $27.7 million in total.
The median interest rate of these loans in 2025 was 6.500%, and the median of all lenders in Georgia was 6.375%.
The median total loan costs in 2025 were $6,356, and the state median was $7,626.
It denied 8.6% of the applications that it decided in the state in 2025, and the state denial rate was 25.1%.
Filed figures of First Reliance Bank in Georgia, 2025
Figure
In GA
Lender, all states
GA, all lenders
Applications
120
1,538
449,146
Loans originated
96
1,245
242,931
Median interest rate
6.500%
6.500%
6.375%
Median total loan costs
$6,356
$4,561
$7,626
Denial rate
8.6%
6.2%
25.1%
HMDA data are generally not used alone to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions.
Pricing medians of First Reliance Bank in Georgia, 2025Each value has the median of all lenders in Georgia under it.
Loans
Loans in the medians
Interest rate
Total loan costs
Origination charges
Discount points, of the loans with points
Lender credits, of the loans with credits
Rate spread, points
All loans in GA
84
6.500%GA 6.375%
$6,356GA $7,626
$3,291GA $2,978
n/aGA $2,987
$34GA $541
0.155GA 0.167
Medians are for originated closed-end loans with a first lien. Reverse mortgages, open-end lines of credit and loans for a business purpose are not in the medians. A median needs 20 loans.
The median rate spread was 0.155 percentage points above the average prime offer rate. On a loan of $300,000, that is about $465 more a year, or $39 more a month.
The dollar amount is a simple interest approximation: the rate spread times the full loan amount for one year. The balance of a loan decreases with each payment, and an APR includes some fees, so the amount for a real loan is different.
Federal Financial Institutions Examination Council and Consumer Financial Protection Bureau, Home Mortgage Disclosure Act data, 2025
Data date
HMDA year . Page made .
Provenance
The figures come from the public HMDA loan/application register of 2022 to 2025. They are the records of this LEI for homes in Georgia. This site withholds a figure with fewer than 25 applications. Method of the figures. Terms. Report an error.
Questions
What share of the loans of First Reliance Bank were in Georgia in 2025?
96 of its loans originated, out of 1,245 in all states. That is 7.7%.
In which counties of Georgia did First Reliance Bank originate the most loans in 2025?
Only one county has 50 applications or more of the lender: Thomas County, with 49 loans originated.
Which loan types did First Reliance Bank originate in Georgia in 2025?
85 conventional, 7 FHA and 4 VA.
How did the applications of First Reliance Bank in Georgia change from 2022 to 2025?
It reported 40 applications in 2022 and 120 in 2025.