NBKC Bank in Georgia vs the state
12.8%Denial rate-6.40 pts vs state
19.1%Decision denial rate-6.01 pts vs state
54.0%Origination rate-0.10 pts vs state
6.13%Median rate-0.50 pts vs state
-0.21Rate spread (pts)-0.48 pts vs state
$142kMedian applicant income
257Loans originated
61Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 546 | 311 | 10.6% | 6.38% | #117 |
| 2024 | 586 | 345 | 9.4% | 6.13% | #131 |
| 2025 | 476 | 257 | 12.8% | 6.13% | #158 |
What NBKC Bank lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most NBKC Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fulton County | 53 | 25 | 3 | 5.7% |
| Cobb County | 50 | 24 | 7 | 14.0% |
| Gwinnett County | 48 | 22 | 9 | 18.8% |
| DeKalb County | 41 | 24 | 7 | 17.1% |
| Lowndes County | 24 | 18 | 1 | 4.2% |
| Cherokee County | 20 | 13 | 1 | 5.0% |
| Camden County | 20 | 15 | 0 | 0.0% |
| Houston County | 19 | 10 | 2 | 10.5% |
| Forsyth County | 18 | 8 | 3 | 16.7% |
| Coweta County | 12 | 6 | 1 | 8.3% |
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: 476 applications in 2025, of which 257 were originated and 61 denied.
12.8% of all applications, or 19.1% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans NBKC Bank originated in Georgia in 2025 was 6.13%, against a statewide median of 6.63%.
About this data. Figures are NBKC 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