Bank of America in Georgia vs the state
36.5%Denial rate+17.30 pts vs state
48.8%Decision denial rate+23.73 pts vs state
37.5%Origination rate-16.57 pts vs state
6.24%Median rate-0.38 pts vs state
1.46Rate spread (pts)+1.19 pts vs state
$108kMedian applicant income
3,440Loans originated
3,348Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 12,086 | 3,926 | 52.8% | 7.25% | #4 |
| 2024 | 10,008 | 3,397 | 43.0% | 6.99% | #5 |
| 2025 | 9,168 | 3,440 | 36.5% | 6.24% | #9 |
What Bank of America lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Bank of America applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fulton County | 1,439 | 621 | 443 | 30.8% |
| Gwinnett County | 1,101 | 340 | 461 | 41.9% |
| Cobb County | 974 | 413 | 297 | 30.5% |
| DeKalb County | 839 | 325 | 314 | 37.4% |
| Forsyth County | 444 | 213 | 135 | 30.4% |
| Chatham County | 367 | 147 | 116 | 31.6% |
| Cherokee County | 344 | 155 | 94 | 27.3% |
| Clayton County | 241 | 71 | 120 | 49.8% |
| Henry County | 234 | 71 | 116 | 49.6% |
| Paulding County | 182 | 65 | 72 | 39.6% |
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% |
| Ameris Bank | B | 8,065 | 10.1% | 6.50% |
| Newrez | D | 7,880 | 21.5% | 6.63% |
Frequently asked questions
Georgia: 9,168 applications in 2025, of which 3,440 were originated and 3,348 denied.
36.5% of all applications, or 48.8% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Bank of America originated in Georgia in 2025 was 6.24%, against a statewide median of 6.63%.
About this data. Figures are Bank of America'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