Exchange Bank in Georgia vs the state
10.9%Denial rate-8.28 pts vs state
12.7%Decision denial rate-12.34 pts vs state
73.4%Origination rate+19.35 pts vs state
—Median rate
—Rate spread (pts)
$106kMedian applicant income
94Loans originated
14Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 143 | 110 | 11.9% | — | #266 |
| 2024 | 126 | 79 | 16.7% | — | #295 |
| 2025 | 128 | 94 | 10.9% | — | #302 |
What Exchange Bank lends in Georgia
By loan purpose
By loan type
Where in Georgia
Counties with the most Exchange Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Baldwin County | 61 | 43 | 7 | 11.5% |
| Jones County | 12 | 11 | 1 | 8.3% |
| Putnam County | 10 | 8 | 2 | 20.0% |
| Greene County | 6 | 5 | 0 | 0.0% |
| Hancock County | 6 | 4 | 1 | 16.7% |
| Washington County | 5 | 4 | 0 | 0.0% |
| Houston County | 4 | 4 | 0 | 0.0% |
| Wilkinson County | 3 | 3 | 0 | 0.0% |
| Bibb County | 3 | 2 | 0 | 0.0% |
| Toombs County | 2 | 0 | 1 | 50.0% |
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: 128 applications in 2025, of which 94 were originated and 14 denied.
10.9% of all applications, or 12.7% 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 Exchange 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