SmartBank in Georgia vs the state
11.8%Denial rate-7.46 pts vs state
11.8%Decision denial rate-13.31 pts vs state
60.8%Origination rate+6.69 pts vs state
6.38%Median rate-0.25 pts vs state
0.13Rate spread (pts)-0.14 pts vs state
$112kMedian applicant income
31Loans originated
6Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 17 | 11 | 23.5% | 7.85% | #574 |
| 2024 | 35 | 19 | 20.0% | 7.50% | #473 |
| 2025 | 51 | 31 | 11.8% | 6.38% | #435 |
What SmartBank lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most SmartBank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Catoosa County | 19 | 9 | 1 | 5.3% |
| Walker County | 17 | 10 | 4 | 23.5% |
| Whitfield County | 6 | 6 | 0 | 0.0% |
| Fulton County | 2 | 1 | 0 | 0.0% |
| Muscogee County | 1 | 1 | 0 | 0.0% |
| Newton County | 1 | 1 | 0 | 0.0% |
| Lowndes County | 1 | 1 | 0 | 0.0% |
| Murray County | 1 | 1 | 0 | 0.0% |
| Pickens County | 1 | 0 | 0 | 0.0% |
| DeKalb County | 1 | 0 | 1 | 100.0% |
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: 51 applications in 2025, of which 31 were originated and 6 denied.
11.8% of all applications, or 11.8% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans SmartBank originated in Georgia in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are SmartBank'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