Bank of Monticello in Georgia vs the state
4.6%Denial rate-14.60 pts vs state
4.6%Decision denial rate-20.45 pts vs state
93.9%Origination rate+39.76 pts vs state
—Median rate
—Rate spread (pts)
$84kMedian applicant income
61Loans originated
3Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 83 | 83 | 0.0% | — | #351 |
| 2024 | 66 | 61 | 7.6% | — | #397 |
| 2025 | 65 | 61 | 4.6% | — | #404 |
What Bank of Monticello lends in Georgia
By loan purpose
By loan type
Where in Georgia
Counties with the most Bank of Monticello applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jasper County | 36 | 33 | 2 | 5.6% |
| Newton County | 9 | 9 | 0 | 0.0% |
| Butts County | 6 | 6 | 0 | 0.0% |
| Walton County | 2 | 1 | 1 | 50.0% |
| Monroe County | 2 | 2 | 0 | 0.0% |
| Spalding County | 2 | 2 | 0 | 0.0% |
| Putnam County | 2 | 2 | 0 | 0.0% |
| Morgan County | 2 | 2 | 0 | 0.0% |
| Henry County | 2 | 2 | 0 | 0.0% |
| Bibb County | 1 | 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: 65 applications in 2025, of which 61 were originated and 3 denied.
4.6% of all applications, or 4.6% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Bank of Monticello'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