South Georgia Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B grade breaks down
Each component is a percentile rank among 220 investment-property lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
65th2.4% deniedProcesswithdrawn + incomplete share, weight 15%
52nd5.2%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 78 | 66 | 6.4% | 6.9% | — | $5.9M |
| 2024 | 115 | 101 | 9.6% | 9.7% | — | $12M |
| 2025 | 134 | 123 | 2.2% | 2.4% | — | $23M |
What South Georgia Bank lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 59 manufactured homes, 77 investment properties.
Who gets approved at South Georgia Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 33 | 30 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 35–44 | 26 | 23 | 8.0% |
Where South Georgia Bank lends
2 states and 16 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Georgia | 133 | 122 | 2.3% | — | #296 |
Frequently asked questions
South Georgia Bank denied 2.4% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 65th percentile of investment-property lenders.
In 2025, 42% of its applications were for home purchases, 48% for refinancing (including cash-out), and 10% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.