AgSouth Farm Credit, ACA in Georgia vs the state
38.9%Denial rate+19.67 pts vs state
71.4%Decision denial rate+46.36 pts vs state
15.6%Origination rate-38.53 pts vs state
7.85%Median rate+1.22 pts vs state
1.68Rate spread (pts)+1.41 pts vs state
$135kMedian applicant income
14Loans originated
35Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 105 | 6 | 56.2% | 8.65% | #303 |
| 2024 | 78 | 6 | 57.7% | 8.16% | #368 |
| 2025 | 90 | 14 | 38.9% | 7.85% | #354 |
What AgSouth Farm Credit, ACA lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most AgSouth Farm Credit, ACA applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Carroll County | 12 | 0 | 9 | 75.0% |
| Montgomery County | 6 | 3 | 0 | 0.0% |
| Meriwether County | 5 | 0 | 3 | 60.0% |
| Coweta County | 5 | 0 | 4 | 80.0% |
| Wayne County | 4 | 4 | 0 | 0.0% |
| Haralson County | 3 | 0 | 2 | 66.7% |
| Toombs County | 3 | 0 | 0 | 0.0% |
| Pierce County | 3 | 1 | 0 | 0.0% |
| Morgan County | 3 | 0 | 1 | 33.3% |
| Walton County | 3 | 0 | 1 | 33.3% |
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: 90 applications in 2025, of which 14 were originated and 35 denied.
38.9% of all applications, or 71.4% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans AgSouth Farm Credit, ACA originated in Georgia in 2025 was 7.85%, against a statewide median of 6.63%.
About this data. Figures are AgSouth 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