BankSouth in Georgia vs the state
3.0%Denial rate-16.18 pts vs state
3.4%Decision denial rate-21.64 pts vs state
84.8%Origination rate+30.69 pts vs state
—Median rate
—Rate spread (pts)
$153kMedian applicant income
195Loans originated
7Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 232 | 194 | 3.5% | — | #205 |
| 2024 | 243 | 189 | 4.9% | — | #212 |
| 2025 | 230 | 195 | 3.0% | — | #230 |
What BankSouth lends in Georgia
By loan purpose
By loan type
Where in Georgia
Counties with the most BankSouth applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Greene County | 53 | 47 | 2 | 3.8% |
| Putnam County | 26 | 21 | 0 | 0.0% |
| Chatham County | 17 | 12 | 3 | 17.6% |
| Laurens County | 17 | 17 | 0 | 0.0% |
| Oconee County | 13 | 11 | 0 | 0.0% |
| Bleckley County | 12 | 12 | 0 | 0.0% |
| Clarke County | 11 | 10 | 0 | 0.0% |
| Madison County | 8 | 8 | 0 | 0.0% |
| Gwinnett County | 6 | 5 | 0 | 0.0% |
| Fulton County | 6 | 4 | 1 | 16.7% |
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: 230 applications in 2025, of which 195 were originated and 7 denied.
3.0% of all applications, or 3.4% 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 BankSouth'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