Commercial Banking in Georgia vs the state
6.5%Denial rate-12.71 pts vs state
6.9%Decision denial rate-18.19 pts vs state
87.0%Origination rate+32.89 pts vs state
—Median rate
—Rate spread (pts)
$96kMedian applicant income
147Loans originated
11Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 193 | 146 | 9.8% | — | #232 |
| 2024 | 153 | 135 | 5.9% | — | #265 |
| 2025 | 169 | 147 | 6.5% | — | #264 |
What Commercial Banking lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Commercial Banking applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lowndes County | 75 | 69 | 2 | 2.7% |
| Colquitt County | 34 | 27 | 4 | 11.8% |
| Tift County | 29 | 27 | 1 | 3.4% |
| Brooks County | 7 | 4 | 2 | 28.6% |
| Worth County | 5 | 5 | 0 | 0.0% |
| Cook County | 4 | 3 | 1 | 25.0% |
| Lanier County | 3 | 3 | 0 | 0.0% |
| Thomas County | 2 | 1 | 1 | 50.0% |
| Mitchell County | 2 | 2 | 0 | 0.0% |
| Crisp County | 2 | 2 | 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: 169 applications in 2025, of which 147 were originated and 11 denied.
6.5% of all applications, or 6.9% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Commercial Banking'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