PeoplesSouth Bank in Georgia vs the state
10.8%Denial rate-8.41 pts vs state
11.6%Decision denial rate-13.48 pts vs state
82.4%Origination rate+28.34 pts vs state
7.25%Median rate+0.63 pts vs state
—Rate spread (pts)
$90kMedian applicant income
61Loans originated
8Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 92 | 86 | 4.4% | 8.25% | #332 |
| 2024 | 95 | 91 | 4.2% | 8.50% | #340 |
| 2025 | 74 | 61 | 10.8% | 7.25% | #385 |
What PeoplesSouth Bank lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most PeoplesSouth Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Dougherty County | 13 | 13 | 0 | 0.0% |
| Sumter County | 9 | 9 | 0 | 0.0% |
| Decatur County | 9 | 8 | 1 | 11.1% |
| Lee County | 7 | 7 | 0 | 0.0% |
| Early County | 6 | 5 | 1 | 16.7% |
| Miller County | 6 | 4 | 0 | 0.0% |
| Seminole County | 5 | 2 | 3 | 60.0% |
| Mitchell County | 3 | 2 | 0 | 0.0% |
| Clay County | 2 | 1 | 0 | 0.0% |
| Terrell County | 2 | 1 | 1 | 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: 74 applications in 2025, of which 61 were originated and 8 denied.
10.8% of all applications, or 11.6% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans PeoplesSouth Bank originated in Georgia in 2025 was 7.25%, against a statewide median of 6.63%.
About this data. Figures are PeoplesSouth 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