PNC Bank in Georgia vs the state
35.8%Denial rate+16.58 pts vs state
44.6%Decision denial rate+19.52 pts vs state
42.9%Origination rate-11.16 pts vs state
7.74%Median rate+1.12 pts vs state
0.55Rate spread (pts)+0.28 pts vs state
$120kMedian applicant income
1,096Loans originated
914Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 3,500 | 1,711 | 29.1% | 8.73% | #30 |
| 2024 | 2,682 | 1,221 | 33.2% | 8.94% | #40 |
| 2025 | 2,553 | 1,096 | 35.8% | 7.74% | #43 |
What PNC Bank lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most PNC Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fulton County | 403 | 179 | 132 | 32.8% |
| Gwinnett County | 400 | 169 | 141 | 35.3% |
| Cobb County | 302 | 139 | 98 | 32.5% |
| DeKalb County | 222 | 96 | 71 | 32.0% |
| Forsyth County | 123 | 56 | 38 | 30.9% |
| Cherokee County | 88 | 48 | 27 | 30.7% |
| Clayton County | 87 | 25 | 44 | 50.6% |
| Henry County | 74 | 36 | 29 | 39.2% |
| Coweta County | 69 | 33 | 25 | 36.2% |
| Paulding County | 66 | 29 | 26 | 39.4% |
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: 2,553 applications in 2025, of which 1,096 were originated and 914 denied.
35.8% of all applications, or 44.6% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans PNC Bank originated in Georgia in 2025 was 7.74%, against a statewide median of 6.63%.
About this data. Figures are PNC 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