Swbc Mortgage in Georgia vs the state
5.3%Denial rate-13.89 pts vs state
6.7%Decision denial rate-18.42 pts vs state
70.9%Origination rate+16.80 pts vs state
6.50%Median rate-0.13 pts vs state
0.08Rate spread (pts)-0.19 pts vs state
$97kMedian applicant income
638Loans originated
48Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 938 | 657 | 4.4% | 6.75% | #82 |
| 2024 | 842 | 596 | 3.6% | 6.63% | #94 |
| 2025 | 900 | 638 | 5.3% | 6.50% | #103 |
What Swbc Mortgage lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Swbc Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bartow County | 214 | 166 | 7 | 3.3% |
| Cobb County | 73 | 53 | 1 | 1.4% |
| Chatham County | 68 | 54 | 3 | 4.4% |
| Gordon County | 67 | 44 | 5 | 7.5% |
| Paulding County | 59 | 41 | 6 | 10.2% |
| Floyd County | 41 | 21 | 2 | 4.9% |
| Fulton County | 36 | 27 | 2 | 5.6% |
| Union County | 33 | 22 | 4 | 12.1% |
| Carroll County | 30 | 21 | 0 | 0.0% |
| Cherokee County | 29 | 17 | 2 | 6.9% |
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: 900 applications in 2025, of which 638 were originated and 48 denied.
5.3% of all applications, or 6.7% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Swbc Mortgage originated in Georgia in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Swbc Mortgage'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