AgGeorgia Farm Credit, ACA in Georgia vs the state
35.4%Denial rate+16.19 pts vs state
60.7%Decision denial rate+35.59 pts vs state
23.0%Origination rate-31.12 pts vs state
8.03%Median rate+1.40 pts vs state
1.87Rate spread (pts)+1.60 pts vs state
$130kMedian applicant income
48Loans originated
74Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 121 | 58 | 18.2% | 8.50% | #283 |
| 2024 | 194 | 64 | 26.8% | 8.48% | #236 |
| 2025 | 209 | 48 | 35.4% | 8.03% | #240 |
What AgGeorgia Farm Credit, ACA lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most AgGeorgia Farm Credit, ACA applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Burke County | 12 | 4 | 3 | 25.0% |
| Tift County | 11 | 3 | 2 | 18.2% |
| Madison County | 9 | 3 | 3 | 33.3% |
| Houston County | 8 | 2 | 1 | 12.5% |
| Franklin County | 7 | 4 | 2 | 28.6% |
| Jefferson County | 6 | 1 | 2 | 33.3% |
| Pickens County | 6 | 1 | 3 | 50.0% |
| Jones County | 6 | 0 | 2 | 33.3% |
| Lumpkin County | 5 | 0 | 4 | 80.0% |
| Gordon County | 5 | 0 | 1 | 20.0% |
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: 209 applications in 2025, of which 48 were originated and 74 denied.
35.4% of all applications, or 60.7% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans AgGeorgia Farm Credit, ACA originated in Georgia in 2025 was 8.03%, against a statewide median of 6.63%.
About this data. Figures are AgGeorgia Farm Credit, ACA'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