Millennium Bank in Georgia vs the state
16.2%Denial rate-3.00 pts vs state
17.4%Decision denial rate-7.68 pts vs state
73.0%Origination rate+18.88 pts vs state
—Median rate
—Rate spread (pts)
$96kMedian applicant income
54Loans originated
12Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 10 | 8 | 0.0% | — | #659 |
| 2024 | 7 | 3 | 28.6% | — | #711 |
| 2025 | 74 | 54 | 16.2% | — | #381 |
What Millennium Bank lends in Georgia
By loan purpose
By loan type
Where in Georgia
Counties with the most Millennium Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Gordon County | 36 | 29 | 4 | 11.1% |
| Whitfield County | 15 | 9 | 4 | 26.7% |
| Walker County | 5 | 4 | 0 | 0.0% |
| Catoosa County | 4 | 3 | 1 | 25.0% |
| Bartow County | 4 | 1 | 2 | 50.0% |
| Floyd County | 3 | 2 | 1 | 33.3% |
| Murray County | 3 | 3 | 0 | 0.0% |
| Dawson County | 2 | 2 | 0 | 0.0% |
| Muscogee County | 1 | 1 | 0 | 0.0% |
| Chattooga County | 1 | 0 | 0 | 0.0% |
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: 74 applications in 2025, of which 54 were originated and 12 denied.
16.2% of all applications, or 17.4% 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 Millennium 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