Discover Bank in Georgia vs the state
55.6%Denial rate+36.37 pts vs state
78.0%Decision denial rate+52.97 pts vs state
15.1%Origination rate-38.99 pts vs state
8.75%Median rate+2.13 pts vs state
2.12Rate spread (pts)+1.85 pts vs state
$105kMedian applicant income
466Loans originated
1,716Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 10,440 | 1,758 | 46.0% | 9.24% | #6 |
| 2024 | 9,702 | 1,779 | 50.7% | 8.86% | #6 |
| 2025 | 3,087 | 466 | 55.6% | 8.75% | #35 |
What Discover Bank lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Discover Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Gwinnett County | 414 | 60 | 233 | 56.3% |
| Fulton County | 297 | 46 | 172 | 57.9% |
| Cobb County | 265 | 39 | 141 | 53.2% |
| DeKalb County | 211 | 27 | 134 | 63.5% |
| Forsyth County | 163 | 29 | 74 | 45.4% |
| Cherokee County | 130 | 22 | 63 | 48.5% |
| Chatham County | 87 | 9 | 51 | 58.6% |
| Henry County | 74 | 9 | 52 | 70.3% |
| Clayton County | 72 | 5 | 46 | 63.9% |
| Coweta County | 56 | 10 | 30 | 53.6% |
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: 3,087 applications in 2025, of which 466 were originated and 1,716 denied.
55.6% of all applications, or 78.0% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Discover Bank originated in Georgia in 2025 was 8.75%, against a statewide median of 6.63%.
About this data. Figures are Discover 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