Southern Bancorp Bank in Georgia vs the state
9.1%Denial rate-10.13 pts vs state
11.1%Decision denial rate-13.96 pts vs state
54.6%Origination rate+0.46 pts vs state
6.31%Median rate-0.31 pts vs state
0.26Rate spread (pts)-0.01 pts vs state
$152kMedian applicant income
12Loans originated
2Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 8 | 1 | 12.5% | 9.50% | #679 |
| 2025 | 22 | 12 | 9.1% | 6.31% | #559 |
What Southern Bancorp Bank lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Southern Bancorp Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fulton County | 7 | 4 | 0 | 0.0% |
| Catoosa County | 6 | 5 | 0 | 0.0% |
| DeKalb County | 4 | 2 | 1 | 25.0% |
| Columbia County | 2 | 1 | 0 | 0.0% |
| Spalding County | 1 | 0 | 1 | 100.0% |
| Clayton County | 1 | 0 | 0 | 0.0% |
| Rockdale County | 1 | 0 | 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: 22 applications in 2025, of which 12 were originated and 2 denied.
9.1% of all applications, or 11.1% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Southern Bancorp Bank originated in Georgia in 2025 was 6.31%, against a statewide median of 6.63%.
About this data. Figures are Southern Bancorp 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