South Georgia Banking at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C 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%
40th6.6% deniedProcesswithdrawn + incomplete share, weight 15%
37th7.9%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 177 | 141 | 17.0% | 17.4% | — | $13M |
| 2024 | 166 | 142 | 6.6% | 7.2% | — | $16M |
| 2025 | 164 | 141 | 6.1% | 6.6% | — | $17M |
What South Georgia Banking 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, 38 manufactured homes, 92 investment properties.
Who gets approved at South Georgia Banking
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 20 | 16 | 11.1% |
| $50k – $100k | 42 | 36 | 7.7% |
| $100k – $150k | 24 | 20 | 9.1% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 45–54 | 27 | 25 | 3.9% |
| 55–64 | 24 | 20 | 0.0% |
Where South Georgia Banking lends
2 states and 22 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Georgia | 162 | 140 | 6.2% | — | #271 |
Frequently asked questions
South Georgia Banking denied 6.6% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 40th percentile of investment-property lenders.
In 2025, 35% of its applications were for home purchases, 56% for refinancing (including cash-out), and 9% 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.