CSL Financial in Georgia vs the state
57.7%Denial rate+38.51 pts vs state
80.3%Decision denial rate+55.22 pts vs state
14.2%Origination rate-39.91 pts vs state
7.99%Median rate+1.37 pts vs state
1.99Rate spread (pts)+1.72 pts vs state
$67kMedian applicant income
55Loans originated
224Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 220 | 19 | 61.4% | 8.99% | #212 |
| 2024 | 544 | 39 | 69.5% | 8.59% | #135 |
| 2025 | 388 | 55 | 57.7% | 7.99% | #173 |
What CSL Financial lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most CSL Financial applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bulloch County | 5 | 5 | 0 | 0.0% |
| Effingham County | 4 | 4 | 0 | 0.0% |
| Toombs County | 3 | 3 | 0 | 0.0% |
| Dade County | 3 | 3 | 0 | 0.0% |
| Appling County | 3 | 3 | 0 | 0.0% |
| Haralson County | 2 | 2 | 0 | 0.0% |
| Polk County | 2 | 2 | 0 | 0.0% |
| Tattnall County | 2 | 2 | 0 | 0.0% |
| Emanuel County | 2 | 2 | 0 | 0.0% |
| Charlton 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: 388 applications in 2025, of which 55 were originated and 224 denied.
57.7% of all applications, or 80.3% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans CSL Financial originated in Georgia in 2025 was 7.99%, against a statewide median of 6.63%.
About this data. Figures are CSL Financial'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