BMO Bank in Georgia vs the state
70.8%Denial rate+51.55 pts vs state
75.4%Decision denial rate+50.34 pts vs state
23.1%Origination rate-31.01 pts vs state
8.08%Median rate+1.46 pts vs state
1.02Rate spread (pts)+0.75 pts vs state
$156kMedian applicant income
15Loans originated
46Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 199 | 65 | 34.2% | 7.88% | #226 |
| 2024 | 147 | 50 | 38.1% | 7.38% | #271 |
| 2025 | 65 | 15 | 70.8% | 8.08% | #409 |
What BMO Bank lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most BMO Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fulton County | 10 | 5 | 4 | 40.0% |
| Gwinnett County | 7 | 0 | 7 | 100.0% |
| Cherokee County | 4 | 0 | 4 | 100.0% |
| DeKalb County | 4 | 1 | 3 | 75.0% |
| Cobb County | 3 | 0 | 2 | 66.7% |
| Chatham County | 2 | 0 | 2 | 100.0% |
| Columbia County | 2 | 1 | 1 | 50.0% |
| Henry County | 2 | 0 | 2 | 100.0% |
| Bryan County | 2 | 1 | 1 | 50.0% |
| Paulding County | 2 | 0 | 2 | 100.0% |
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 15 were originated and 46 denied.
70.8% of all applications, or 75.4% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans BMO Bank originated in Georgia in 2025 was 8.08%, against a statewide median of 6.63%.
About this data. Figures are BMO 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