South Georgia Banking in Georgia vs the state
6.2%Denial rate-13.05 pts vs state
6.7%Decision denial rate-18.40 pts vs state
86.4%Origination rate+32.33 pts vs state
—Median rate
—Rate spread (pts)
$77kMedian applicant income
140Loans originated
10Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 176 | 140 | 17.1% | — | #244 |
| 2024 | 163 | 139 | 6.8% | — | #258 |
| 2025 | 162 | 140 | 6.2% | — | #271 |
What South Georgia Banking lends in Georgia
By loan purpose
By loan type
Where in Georgia
Counties with the most South Georgia Banking applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Tift County | 57 | 53 | 2 | 3.5% |
| Colquitt County | 23 | 18 | 2 | 8.7% |
| Crisp County | 18 | 17 | 0 | 0.0% |
| Worth County | 18 | 16 | 1 | 5.6% |
| Turner County | 15 | 11 | 1 | 6.7% |
| Dooly County | 8 | 7 | 1 | 12.5% |
| Cook County | 3 | 2 | 1 | 33.3% |
| Brooks County | 2 | 1 | 0 | 0.0% |
| Irwin County | 2 | 2 | 0 | 0.0% |
| Thomas County | 2 | 2 | 0 | 0.0% |
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: 162 applications in 2025, of which 140 were originated and 10 denied.
6.2% of all applications, or 6.7% 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 Banking'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