The Central Trust Bank in Georgia vs the state
4.7%Denial rate-14.57 pts vs state
8.0%Decision denial rate-17.07 pts vs state
53.5%Origination rate-0.60 pts vs state
6.13%Median rate-0.50 pts vs state
0.06Rate spread (pts)-0.21 pts vs state
$166kMedian applicant income
23Loans originated
2Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 110 | 57 | 1.8% | 6.25% | #298 |
| 2024 | 66 | 36 | 4.6% | 6.50% | #396 |
| 2025 | 43 | 23 | 4.7% | 6.13% | #460 |
What The Central Trust Bank lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most The Central Trust Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fulton County | 6 | 3 | 0 | 0.0% |
| Union County | 6 | 5 | 0 | 0.0% |
| Cherokee County | 5 | 3 | 0 | 0.0% |
| Cobb County | 4 | 2 | 0 | 0.0% |
| Gwinnett County | 3 | 1 | 0 | 0.0% |
| DeKalb County | 3 | 1 | 1 | 33.3% |
| Fannin County | 2 | 1 | 0 | 0.0% |
| Fayette County | 2 | 1 | 0 | 0.0% |
| Bryan County | 1 | 0 | 0 | 0.0% |
| Coweta County | 1 | 0 | 1 | 100.0% |
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: 43 applications in 2025, of which 23 were originated and 2 denied.
4.7% of all applications, or 8.0% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans The Central Trust Bank originated in Georgia in 2025 was 6.13%, against a statewide median of 6.63%.
About this data. Figures are The Central Trust 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