The Federal Savings Bank in Georgia vs the state
11.3%Denial rate-7.94 pts vs state
25.6%Decision denial rate+0.48 pts vs state
31.6%Origination rate-22.47 pts vs state
6.50%Median rate-0.13 pts vs state
0.26Rate spread (pts)-0.01 pts vs state
$88kMedian applicant income
356Loans originated
127Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,428 | 472 | 9.5% | 6.25% | #61 |
| 2024 | 1,195 | 350 | 10.5% | 6.25% | #76 |
| 2025 | 1,126 | 356 | 11.3% | 6.50% | #82 |
What The Federal Savings Bank lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most The Federal Savings Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fulton County | 74 | 19 | 11 | 14.9% |
| Gwinnett County | 71 | 18 | 9 | 12.7% |
| DeKalb County | 66 | 18 | 10 | 15.2% |
| Henry County | 60 | 20 | 11 | 18.3% |
| Cobb County | 54 | 19 | 3 | 5.6% |
| Chatham County | 48 | 11 | 5 | 10.4% |
| Clayton County | 38 | 10 | 2 | 5.3% |
| Coweta County | 35 | 11 | 8 | 22.9% |
| Paulding County | 34 | 12 | 1 | 2.9% |
| Houston County | 32 | 8 | 4 | 12.5% |
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: 1,126 applications in 2025, of which 356 were originated and 127 denied.
11.3% of all applications, or 25.6% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans The Federal Savings Bank originated in Georgia in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are The Federal Savings 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