Georgia Community Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the A 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%
92nd1.3% deniedProcesswithdrawn + incomplete share, weight 15%
95th0.0%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 334 | 317 | 2.1% | 2.1% | — | $35M |
| 2024 | 359 | 345 | 1.4% | 1.4% | — | $42M |
| 2025 | 372 | 361 | 1.3% | 1.3% | — | $36M |
What Georgia Community Bank 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, 69 manufactured homes, 173 investment properties.
Who gets approved at Georgia Community Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 60 | 53 | 8.3% |
| $50k – $100k | 114 | 113 | 0.0% |
| $100k – $150k | 64 | 63 | 0.0% |
| $150k – $250k | 41 | 40 | 0.0% |
| Over $250k | 31 | 30 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 23 | 20 | 4.4% |
| 35–44 | 51 | 51 | 0.0% |
| 45–54 | 77 | 76 | 0.0% |
| 55–64 | 80 | 76 | 2.5% |
| 65–74 | 56 | 53 | 3.6% |
| Over 74 | 21 | 21 | 0.0% |
Where Georgia Community Bank lends
2 states and 40 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Georgia Community Bank denied 1.3% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 92nd percentile of small mortgage lenders.
In 2025, 22% of its applications were for home purchases, 66% for refinancing (including cash-out), and 12% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% 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.