NexBank in Georgia vs the state
8.5%Denial rate-10.72 pts vs state
9.9%Decision denial rate-15.20 pts vs state
76.9%Origination rate+22.76 pts vs state
6.50%Median rate-0.13 pts vs state
0.13Rate spread (pts)-0.14 pts vs state
$145kMedian applicant income
488Loans originated
54Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 562 | 448 | 4.1% | 6.75% | #114 |
| 2024 | 761 | 585 | 7.0% | 6.63% | #103 |
| 2025 | 635 | 488 | 8.5% | 6.50% | #130 |
What NexBank lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most NexBank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fulton County | 92 | 63 | 13 | 14.1% |
| Chatham County | 76 | 62 | 6 | 7.9% |
| Gwinnett County | 71 | 60 | 6 | 8.5% |
| Cobb County | 66 | 50 | 6 | 9.1% |
| DeKalb County | 53 | 39 | 7 | 13.2% |
| Forsyth County | 38 | 27 | 3 | 7.9% |
| Cherokee County | 34 | 28 | 3 | 8.8% |
| Hall County | 13 | 10 | 1 | 7.7% |
| Glynn County | 12 | 8 | 1 | 8.3% |
| Barrow County | 10 | 9 | 1 | 10.0% |
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: 635 applications in 2025, of which 488 were originated and 54 denied.
8.5% of all applications, or 9.9% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans NexBank originated in Georgia in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are NexBank'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