Plains Commerce Bank in Georgia vs the state
4.5%Denial rate-14.77 pts vs state
6.7%Decision denial rate-18.42 pts vs state
62.5%Origination rate+8.43 pts vs state
6.50%Median rate-0.13 pts vs state
0.19Rate spread (pts)-0.08 pts vs state
$124kMedian applicant income
407Loans originated
29Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 700 | 443 | 2.0% | 6.38% | #99 |
| 2024 | 681 | 396 | 1.3% | 6.50% | #117 |
| 2025 | 651 | 407 | 4.5% | 6.50% | #127 |
What Plains Commerce Bank lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Plains Commerce Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Chatham County | 96 | 65 | 6 | 6.3% |
| Fulton County | 53 | 28 | 6 | 11.3% |
| Gwinnett County | 50 | 26 | 2 | 4.0% |
| DeKalb County | 38 | 18 | 3 | 7.9% |
| Cobb County | 32 | 24 | 0 | 0.0% |
| Effingham County | 29 | 18 | 2 | 6.9% |
| Bryan County | 21 | 15 | 0 | 0.0% |
| Forsyth County | 19 | 7 | 0 | 0.0% |
| Hall County | 17 | 10 | 0 | 0.0% |
| Cherokee County | 17 | 11 | 1 | 5.9% |
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: 651 applications in 2025, of which 407 were originated and 29 denied.
4.5% of all applications, or 6.7% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Plains Commerce Bank originated in Georgia in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Plains Commerce 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