Morris Bank in Georgia vs the state
19.4%Denial rate+0.15 pts vs state
25.8%Decision denial rate+0.72 pts vs state
54.2%Origination rate+0.06 pts vs state
—Median rate
—Rate spread (pts)
$115kMedian applicant income
137Loans originated
49Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 330 | 229 | 16.1% | — | #167 |
| 2024 | 230 | 147 | 17.0% | — | #216 |
| 2025 | 253 | 137 | 19.4% | — | #215 |
What Morris Bank lends in Georgia
By loan purpose
By loan type
Where in Georgia
Counties with the most Morris Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Laurens County | 53 | 26 | 11 | 20.8% |
| Bulloch County | 45 | 26 | 8 | 17.8% |
| Jones County | 33 | 12 | 7 | 21.2% |
| Houston County | 31 | 23 | 3 | 9.7% |
| Bibb County | 21 | 16 | 1 | 4.8% |
| Peach County | 5 | 2 | 1 | 20.0% |
| Baldwin County | 5 | 2 | 2 | 40.0% |
| Greene County | 4 | 3 | 1 | 25.0% |
| Wilkinson County | 4 | 2 | 1 | 25.0% |
| Crawford County | 4 | 1 | 2 | 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: 253 applications in 2025, of which 137 were originated and 49 denied.
19.4% of all applications, or 25.8% 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 Morris 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