Lender in Georgia · HMDA 2025
First Option Mortgage, LLC mortgages in Georgia
First Option Mortgage, LLC's 2025 home-purchase and refinance lending in Georgia, compared with all lenders in the state.
First Option Mortgage, LLC originated 536 owner-occupied single-family loans in Georgia from 606 completed applications.
Its median conventional purchase loan costs were $8,130 versus $6,350 for all Georgia lenders, at a median 30-year fixed rate of 6.875% (Georgia: 6.624%).
Loans in GA
536
of 606 applications
Denial rate
3.6%
Purchase · GA 9.9%
Rate spread
+0.77 pts
Conv. · GA +0.13 pts
Loan amount
$325,000
Purchase · GA $325,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 526 | 463 | 3.6% | 6.875% | +0.77 pts | $8,130 | $325,000 |
| Refinance | 43 | 38 | 2.3% | 7.250% | +0.54 pts | $7,810 | $295,000 |
| Cash-out refinance | 37 | 35 | 0.0% | 7.125% | +0.83 pts | $8,760 | $275,000 |
*Conventional loans only; medians with at least 20 loans.
Georgia counties where First Option Mortgage, LLC ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Glascock County | 7 | 1 | 5.6% |
| Gwinnett County | 10 | 189 | 1.5% |
| Hall County | 21 | 29 | 0.9% |
| Rabun County | 22 | 2 | 1.1% |
| Habersham County | 23 | 6 | 0.9% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology