U.S. Bank in Georgia vs the state
38.4%Denial rate+19.17 pts vs state
47.1%Decision denial rate+22.02 pts vs state
41.2%Origination rate-12.88 pts vs state
7.00%Median rate+0.38 pts vs state
0.54Rate spread (pts)+0.27 pts vs state
$137kMedian applicant income
687Loans originated
640Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,148 | 918 | 41.6% | 7.38% | #46 |
| 2024 | 2,015 | 912 | 39.8% | 7.13% | #48 |
| 2025 | 1,667 | 687 | 38.4% | 7.00% | #57 |
What U.S. Bank lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most U.S. Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fulton County | 245 | 112 | 88 | 35.9% |
| Gwinnett County | 178 | 56 | 72 | 40.4% |
| Cobb County | 155 | 70 | 53 | 34.2% |
| DeKalb County | 143 | 55 | 50 | 35.0% |
| Forsyth County | 76 | 38 | 20 | 26.3% |
| Chatham County | 68 | 34 | 17 | 25.0% |
| Cherokee County | 57 | 25 | 24 | 42.1% |
| Henry County | 45 | 13 | 21 | 46.7% |
| Columbia County | 38 | 16 | 14 | 36.8% |
| Paulding County | 36 | 12 | 20 | 55.6% |
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: 1,667 applications in 2025, of which 687 were originated and 640 denied.
38.4% of all applications, or 47.1% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans U.S. Bank originated in Georgia in 2025 was 7.00%, against a statewide median of 6.63%.
About this data. Figures are U.S. 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