Georgia Banking Company mortgage approval rate & lending review
Georgia Banking Company decided 280 mortgage applications and funded 265 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Georgia Banking Company reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Georgia Banking Company at a glance
Approval is 11.7 points above the 83.7% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 98% | 197 / 202 | 99% | $15K | 196 |
| Cash-out refinance | 86% | 25 / 29 | 96% | $305K | 24 |
Georgia Banking Company lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Georgia | 96% | $245K | 191 | 181 |
| South Carolina | 85% | $345K | 26 | 22 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Questions about Georgia Banking Company
What is Georgia Banking Company's mortgage approval rate?
Georgia Banking Company approved 95.4% of the 280 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 11.7 points above the 83.7% national rate for the same mix of loan types.
How often do borrowers take the loan Georgia Banking Company offers?
Borrowers accepted 99% of the loans Georgia Banking Company approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Georgia Banking Company make?
The typical home purchase mortgage loan Georgia Banking Company made was $15K; across all loan types its typical loan ran from $15K to $305K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Georgia Banking Company lend?
Georgia Banking Company decided applications in 12 of the states Fat Boy Data covers, most of them in Georgia, South Carolina and Maryland.
Can I apply to Georgia Banking Company directly?
Yes. Georgia Banking Company is a bank or credit union with 10 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Georgia Banking Company's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Georgia Banking Company treats applications, then get a rate quote from the lender.