Bank of England in Georgia vs the state
5.4%Denial rate-13.81 pts vs state
8.5%Decision denial rate-16.56 pts vs state
55.4%Origination rate+1.32 pts vs state
6.75%Median rate+0.13 pts vs state
0.43Rate spread (pts)+0.16 pts vs state
$120kMedian applicant income
41Loans originated
4Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 442 | 283 | 10.9% | 6.63% | #138 |
| 2024 | 173 | 91 | 8.7% | 6.75% | #251 |
| 2025 | 74 | 41 | 5.4% | 6.75% | #379 |
What Bank of England lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Bank of England applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Gwinnett County | 14 | 10 | 1 | 7.1% |
| Cobb County | 13 | 6 | 1 | 7.7% |
| DeKalb County | 7 | 3 | 0 | 0.0% |
| Fulton County | 7 | 4 | 1 | 14.3% |
| Forsyth County | 6 | 2 | 0 | 0.0% |
| Cherokee County | 4 | 3 | 0 | 0.0% |
| Newton County | 3 | 1 | 0 | 0.0% |
| Carroll County | 2 | 1 | 0 | 0.0% |
| Walton County | 2 | 2 | 0 | 0.0% |
| Polk County | 2 | 1 | 0 | 0.0% |
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: 74 applications in 2025, of which 41 were originated and 4 denied.
5.4% of all applications, or 8.5% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Bank of England originated in Georgia in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are Bank of England'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