Citizens Bank in Georgia vs the state
30.6%Denial rate+11.39 pts vs state
34.7%Decision denial rate+9.59 pts vs state
54.8%Origination rate+0.66 pts vs state
7.90%Median rate+1.28 pts vs state
0.81Rate spread (pts)+0.54 pts vs state
$130kMedian applicant income
669Loans originated
374Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,051 | 967 | 41.0% | 8.90% | #47 |
| 2024 | 1,157 | 640 | 31.6% | 9.40% | #79 |
| 2025 | 1,222 | 669 | 30.6% | 7.90% | #77 |
What Citizens Bank lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Citizens Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fulton County | 183 | 92 | 59 | 32.2% |
| Gwinnett County | 131 | 64 | 47 | 35.9% |
| DeKalb County | 108 | 61 | 29 | 26.9% |
| Cobb County | 95 | 59 | 24 | 25.3% |
| Forsyth County | 76 | 50 | 15 | 19.7% |
| Cherokee County | 61 | 37 | 15 | 24.6% |
| Chatham County | 51 | 30 | 13 | 25.5% |
| Henry County | 31 | 18 | 12 | 38.7% |
| Columbia County | 24 | 14 | 8 | 33.3% |
| Coweta County | 23 | 13 | 5 | 21.7% |
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: 1,222 applications in 2025, of which 669 were originated and 374 denied.
30.6% of all applications, or 34.7% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Citizens Bank originated in Georgia in 2025 was 7.90%, against a statewide median of 6.63%.
About this data. Figures are Citizens 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