Bell Bank in Georgia vs the state
10.5%Denial rate-8.69 pts vs state
12.5%Decision denial rate-12.57 pts vs state
73.7%Origination rate+19.59 pts vs state
6.88%Median rate+0.25 pts vs state
0.16Rate spread (pts)-0.11 pts vs state
$172kMedian applicant income
14Loans originated
2Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 32 | 23 | 9.4% | 6.38% | #475 |
| 2024 | 21 | 12 | 14.3% | 6.81% | #553 |
| 2025 | 19 | 14 | 10.5% | 6.88% | #578 |
What Bell Bank lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Bell Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Chatham County | 2 | 1 | 0 | 0.0% |
| Hall County | 2 | 2 | 0 | 0.0% |
| Walker County | 1 | 0 | 1 | 100.0% |
| Union County | 1 | 1 | 0 | 0.0% |
| Effingham County | 1 | 1 | 0 | 0.0% |
| Fulton County | 1 | 0 | 0 | 0.0% |
| Cobb County | 1 | 1 | 0 | 0.0% |
| Muscogee County | 1 | 1 | 0 | 0.0% |
| Bryan County | 1 | 1 | 0 | 0.0% |
| Fayette 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: 19 applications in 2025, of which 14 were originated and 2 denied.
10.5% of all applications, or 12.5% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Bell Bank originated in Georgia in 2025 was 6.88%, against a statewide median of 6.63%.
About this data. Figures are Bell Bank'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