Presidential Bank in Georgia vs the state
9.3%Denial rate-9.95 pts vs state
11.0%Decision denial rate-14.10 pts vs state
73.9%Origination rate+19.85 pts vs state
6.49%Median rate-0.13 pts vs state
0.19Rate spread (pts)-0.08 pts vs state
$104kMedian applicant income
678Loans originated
85Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 104 | 77 | 5.8% | 7.13% | #305 |
| 2024 | 815 | 615 | 4.5% | 6.63% | #97 |
| 2025 | 917 | 678 | 9.3% | 6.49% | #100 |
What Presidential Bank lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Presidential Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Glynn County | 70 | 48 | 5 | 7.1% |
| Camden County | 63 | 48 | 2 | 3.2% |
| Gwinnett County | 52 | 42 | 4 | 7.7% |
| Fulton County | 49 | 28 | 10 | 20.4% |
| Cherokee County | 45 | 39 | 2 | 4.4% |
| Henry County | 41 | 29 | 6 | 14.6% |
| Coweta County | 40 | 32 | 4 | 10.0% |
| Cobb County | 37 | 28 | 4 | 10.8% |
| DeKalb County | 33 | 22 | 2 | 6.1% |
| Richmond County | 31 | 16 | 6 | 19.4% |
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: 917 applications in 2025, of which 678 were originated and 85 denied.
9.3% of all applications, or 11.0% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Presidential Bank originated in Georgia in 2025 was 6.49%, against a statewide median of 6.63%.
About this data. Figures are Presidential 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