BNY Mellon in Georgia vs the state
8.8%Denial rate-10.40 pts vs state
9.4%Decision denial rate-15.69 pts vs state
79.4%Origination rate+25.32 pts vs state
5.75%Median rate-0.88 pts vs state
-0.31Rate spread (pts)-0.58 pts vs state
$638kMedian applicant income
27Loans originated
3Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 42 | 32 | 7.1% | 5.38% | #442 |
| 2024 | 38 | 26 | 15.8% | 6.25% | #464 |
| 2025 | 34 | 27 | 8.8% | 5.75% | #504 |
What BNY Mellon lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most BNY Mellon applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fulton County | 15 | 11 | 2 | 13.3% |
| Chatham County | 4 | 4 | 0 | 0.0% |
| Coweta County | 2 | 2 | 0 | 0.0% |
| Glynn County | 2 | 2 | 0 | 0.0% |
| DeKalb County | 2 | 2 | 0 | 0.0% |
| Greene County | 2 | 2 | 0 | 0.0% |
| Gwinnett County | 1 | 1 | 0 | 0.0% |
| Lanier County | 1 | 0 | 0 | 0.0% |
| Fannin County | 1 | 1 | 0 | 0.0% |
| Cobb 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: 34 applications in 2025, of which 27 were originated and 3 denied.
8.8% of all applications, or 9.4% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans BNY Mellon originated in Georgia in 2025 was 5.75%, against a statewide median of 6.63%.
About this data. Figures are BNY Mellon'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