Commercial Lender in Georgia vs the state
75.9%Denial rate+56.66 pts vs state
80.1%Decision denial rate+55.05 pts vs state
18.8%Origination rate-35.27 pts vs state
10.82%Median rate+4.19 pts vs state
—Rate spread (pts)
—Median applicant income
32Loans originated
129Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 211 | 37 | 26.1% | 11.49% | #218 |
| 2024 | 245 | 67 | 31.0% | 10.99% | #211 |
| 2025 | 170 | 32 | 75.9% | 10.82% | #262 |
What Commercial Lender lends in Georgia
By loan purpose
By loan type
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: 170 applications in 2025, of which 32 were originated and 129 denied.
75.9% of all applications, or 80.1% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Commercial Lender originated in Georgia in 2025 was 10.82%, against a statewide median of 6.63%.
About this data. Figures are Commercial Lender'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