Georgia Banking at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
73rd4.9% deniedProcesswithdrawn + incomplete share, weight 15%
41st13.6%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 116 | 83 | 14.7% | 16.8% | — | $63M |
| 2024 | 181 | 160 | 4.4% | 4.8% | — | $50M |
| 2025 | 308 | 250 | 4.2% | 4.9% | — | $109M |
What Georgia Banking lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 3 manufactured homes, 31 investment properties.
Who gets approved at Georgia Banking
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 31 | 25 | 10.7% |
| $50k – $100k | 79 | 59 | 9.2% |
| $100k – $150k | 44 | 33 | 2.9% |
| $150k – $250k | 48 | 37 | 5.0% |
| Over $250k | 76 | 67 | 1.5% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 66 | 48 | 7.6% |
| 35–44 | 63 | 46 | 9.8% |
| 45–54 | 65 | 51 | 7.1% |
| 55–64 | 47 | 42 | 0.0% |
| 65–74 | 25 | 21 | 0.0% |
Frequently asked questions
Georgia Banking denied 4.9% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 73rd percentile of small mortgage lenders.
In 2025, 61% of its applications were for home purchases, 20% for refinancing (including cash-out), and 19% for home improvement or other purposes. By loan type: 85% conventional, 11% FHA, 3% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.