Lenders › BankSouth Mortgage Company LLC › Georgia
BankSouth Mortgage Company LLC in Georgia
HMDA record for properties in Georgia, calendar year 2024. National record · Georgia overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
In Georgia, BankSouth Mortgage Company LLC reported 2,740 applications and 2,182 originations for 2024, $826m in all.
Its denial rate in the state was 4.2%, below the Georgia rate of 26.9% across all lenders and compared with the lender's national rate of 4.3%.
The median rate spread on its Georgia originations was 0.3 percentage points (state median 0.4).
Applications in the state were down 8% on 2023.
Compared with the state and the lender's national record
| Measure | In Georgia | Georgia, all lenders | BankSouth Mortgage Company LLC, all states | United States |
|---|---|---|---|---|
| Denial rate | 4.2% | 26.9% | 4.3% | 24.3% |
| Median rate spread, pp | 0.3 | 0.4 | 0.3 | 0.3 |
| Originations with spread of 1.5 pp or more | 3.1% | 17.5% | 3.0% | 15.6% |
| Average originated loan | $378k | $313k | $381k | $329k |
| Home purchase share | 95.3% | 57.0% | 95.1% | 57.0% |
| FHA-insured share | 28.7% | 18.3% | 27.7% | 13.4% |
| VA-guaranteed share | 8.8% | 11.6% | 9.0% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateGeorgia, all lenders
Loan purpose and loan type in Georgia
By purpose
Home purchase 95% (2,080)Home improvement 0% (2)Refinancing 3% (56)Cash-out refinancing 2% (39)Other purpose 0% (5)
By type
Conventional 61% (1,336)FHA 29% (626)VA 9% (191)USDA 1% (29)
Denial reasons as coded
Share of 96 denials in Georgia by first denial reason coded (outlined bar: all lenders in the state).
Counties in Georgia
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Fulton County | 360 | 281 | $137m | 3.1% |
| Cobb County | 236 | 192 | $82m | 3.5% |
| Bartow County | 155 | 144 | $41m | 0.7% |
| DeKalb County | 170 | 131 | $59m | 5.0% |
| Gwinnett County | 136 | 105 | $38m | 7.1% |
| Chatham County | 109 | 84 | $28m | 6.7% |
| Cherokee County | 98 | 83 | $37m | 1.2% |
| Lowndes County | 94 | 82 | $20m | 3.5% |
| Forsyth County | 105 | 72 | $37m | 1.4% |
| Rockdale County | 72 | 63 | $20m | 7.4% |
| Columbia County | 75 | 62 | $21m | 0.0% |
| Clarke County | 73 | 59 | $20m | 4.8% |
| Paulding County | 73 | 57 | $18m | 3.3% |
| Putnam County | 60 | 50 | $19m | 2.0% |
| Hall County | 52 | 43 | $16m | 0.0% |
| Coweta County | 54 | 40 | $16m | 4.8% |
| Greene County | 56 | 38 | $25m | 7.0% |
| Floyd County | 44 | 38 | $9.3m | 2.6% |
| Whitfield County | 41 | 35 | $9.9m | 7.9% |
| Fayette County | 41 | 34 | $18m | 5.6% |
| Jackson County | 38 | 32 | $12m | 5.9% |
| Effingham County | 54 | 31 | $9.9m | 13.9% |
| Oconee County | 43 | 29 | $13m | 0.0% |
| Carroll County | 33 | 28 | $8.7m | 0.0% |
| Barrow County | 33 | 26 | $8.8m | 7.1% |
| Douglas County | 25 | 24 | $7.6m | — |
| Henry County | 25 | 16 | $5.4m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did BankSouth Mortgage Company LLC originate in Georgia in 2024?
2,182 loans totalling $826m, from 2,740 applications reported for properties in Georgia.
What is BankSouth Mortgage Company LLC's denial rate in Georgia?
4.2% of decided applications in Georgia were denied, against 26.9% for all lenders in the state and 4.3% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Georgia counties does BankSouth Mortgage Company LLC lend in most?
By originations: Fulton County (281), Cobb County (192), Bartow County (144), DeKalb County (131), Gwinnett County (105).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Georgia. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.