Manufacturers and Traders Trust in Georgia vs the state
24.9%Denial rate+5.68 pts vs state
37.7%Decision denial rate+12.65 pts vs state
39.5%Origination rate-14.56 pts vs state
6.13%Median rate-0.50 pts vs state
0.26Rate spread (pts)-0.01 pts vs state
$86kMedian applicant income
100Loans originated
63Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 193 | 80 | 26.4% | 6.38% | #231 |
| 2024 | 173 | 95 | 19.1% | 6.25% | #252 |
| 2025 | 253 | 100 | 24.9% | 6.13% | #216 |
What Manufacturers and Traders Trust lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Manufacturers and Traders Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Gwinnett County | 20 | 6 | 2 | 10.0% |
| DeKalb County | 15 | 4 | 6 | 40.0% |
| Fulton County | 14 | 4 | 3 | 21.4% |
| Henry County | 12 | 4 | 4 | 33.3% |
| Cobb County | 11 | 4 | 1 | 9.1% |
| Clayton County | 10 | 2 | 3 | 30.0% |
| Paulding County | 9 | 4 | 2 | 22.2% |
| Richmond County | 8 | 1 | 2 | 25.0% |
| Bryan County | 8 | 5 | 1 | 12.5% |
| Columbia County | 7 | 2 | 2 | 28.6% |
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: 253 applications in 2025, of which 100 were originated and 63 denied.
24.9% of all applications, or 37.7% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Manufacturers and Traders Trust originated in Georgia in 2025 was 6.13%, against a statewide median of 6.63%.
About this data. Figures are Manufacturers and Traders Trust'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