South Georgia Bank in Georgia vs the state
2.3%Denial rate-16.96 pts vs state
2.4%Decision denial rate-22.69 pts vs state
91.7%Origination rate+37.64 pts vs state
—Median rate
—Rate spread (pts)
$93kMedian applicant income
122Loans originated
3Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 78 | 66 | 6.4% | — | #361 |
| 2024 | 115 | 101 | 9.6% | — | #310 |
| 2025 | 133 | 122 | 2.3% | — | #296 |
What South Georgia Bank lends in Georgia
By loan purpose
By loan type
Where in Georgia
Counties with the most South Georgia Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Tattnall County | 47 | 39 | 2 | 4.3% |
| Liberty County | 21 | 21 | 0 | 0.0% |
| Evans County | 15 | 15 | 0 | 0.0% |
| Richmond County | 11 | 11 | 0 | 0.0% |
| Long County | 10 | 10 | 0 | 0.0% |
| Wayne County | 5 | 4 | 0 | 0.0% |
| Effingham County | 5 | 5 | 0 | 0.0% |
| McIntosh County | 4 | 3 | 0 | 0.0% |
| Brantley County | 4 | 4 | 0 | 0.0% |
| Chatham County | 3 | 2 | 1 | 33.3% |
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: 133 applications in 2025, of which 122 were originated and 3 denied.
2.3% of all applications, or 2.4% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are South Georgia 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