Charles Schwab Bank in Georgia vs the state
2.6%Denial rate-16.59 pts vs state
2.6%Decision denial rate-22.44 pts vs state
96.1%Origination rate+41.96 pts vs state
5.75%Median rate-0.88 pts vs state
-0.16Rate spread (pts)-0.42 pts vs state
$296kMedian applicant income
146Loans originated
4Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 77 | 70 | 5.2% | 6.13% | #362 |
| 2024 | 117 | 102 | 8.6% | 6.25% | #306 |
| 2025 | 152 | 146 | 2.6% | 5.75% | #277 |
What Charles Schwab Bank lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Charles Schwab Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fulton County | 55 | 53 | 2 | 3.6% |
| DeKalb County | 15 | 15 | 0 | 0.0% |
| Cobb County | 14 | 14 | 0 | 0.0% |
| Gwinnett County | 8 | 7 | 1 | 12.5% |
| Cherokee County | 6 | 6 | 0 | 0.0% |
| Chatham County | 6 | 6 | 0 | 0.0% |
| Greene County | 6 | 6 | 0 | 0.0% |
| Hall County | 5 | 5 | 0 | 0.0% |
| Forsyth County | 5 | 5 | 0 | 0.0% |
| Fannin County | 4 | 4 | 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: 152 applications in 2025, of which 146 were originated and 4 denied.
2.6% of all applications, or 2.6% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Charles Schwab Bank originated in Georgia in 2025 was 5.75%, against a statewide median of 6.63%.
About this data. Figures are Charles Schwab 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