Citibank in Georgia vs the state
15.0%Denial rate-4.26 pts vs state
27.3%Decision denial rate+2.20 pts vs state
39.3%Origination rate-14.75 pts vs state
6.13%Median rate-0.50 pts vs state
-0.22Rate spread (pts)-0.49 pts vs state
$151kMedian applicant income
142Loans originated
54Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 312 | 159 | 3.9% | 5.88% | #172 |
| 2024 | 353 | 139 | 17.3% | 6.38% | #172 |
| 2025 | 361 | 142 | 15.0% | 6.13% | #183 |
What Citibank lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Citibank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fulton County | 89 | 50 | 8 | 9.0% |
| Cobb County | 37 | 17 | 1 | 2.7% |
| Gwinnett County | 30 | 7 | 7 | 23.3% |
| DeKalb County | 30 | 16 | 4 | 13.3% |
| Forsyth County | 20 | 6 | 2 | 10.0% |
| Cherokee County | 15 | 7 | 2 | 13.3% |
| Henry County | 12 | 2 | 2 | 16.7% |
| Chatham County | 11 | 5 | 0 | 0.0% |
| Clayton County | 7 | 3 | 2 | 28.6% |
| Columbia County | 6 | 2 | 1 | 16.7% |
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: 361 applications in 2025, of which 142 were originated and 54 denied.
15.0% of all applications, or 27.3% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Citibank originated in Georgia in 2025 was 6.13%, against a statewide median of 6.63%.
About this data. Figures are Citibank'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