Banksouth Mortgage Company in Georgia vs the state
3.9%Denial rate-15.28 pts vs state
4.6%Decision denial rate-20.44 pts vs state
80.9%Origination rate+26.85 pts vs state
6.25%Median rate-0.38 pts vs state
0.13Rate spread (pts)-0.14 pts vs state
$119kMedian applicant income
1,932Loans originated
94Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,967 | 2,356 | 4.1% | 6.50% | #35 |
| 2024 | 2,740 | 2,182 | 3.5% | 6.63% | #38 |
| 2025 | 2,387 | 1,932 | 3.9% | 6.25% | #46 |
What Banksouth Mortgage Company lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Banksouth Mortgage Company applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fulton County | 313 | 245 | 10 | 3.2% |
| Cobb County | 237 | 194 | 7 | 3.0% |
| DeKalb County | 155 | 122 | 5 | 3.2% |
| Bartow County | 117 | 104 | 1 | 0.9% |
| Gwinnett County | 114 | 90 | 3 | 2.6% |
| Chatham County | 113 | 82 | 9 | 8.0% |
| Cherokee County | 100 | 80 | 6 | 6.0% |
| Rockdale County | 96 | 83 | 5 | 5.2% |
| Lowndes County | 92 | 82 | 0 | 0.0% |
| Forsyth County | 80 | 68 | 1 | 1.3% |
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: 2,387 applications in 2025, of which 1,932 were originated and 94 denied.
3.9% of all applications, or 4.6% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Banksouth Mortgage Company originated in Georgia in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are Banksouth Mortgage Company'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