Lenders › Synovus Bank › Georgia
Synovus Bank 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, Synovus Bank reported 4,208 applications and 2,641 originations for 2024, $708m in all.
Its denial rate in the state was 23.5%, below the Georgia rate of 26.9% across all lenders and compared with the lender's national rate of 24.8%.
The median rate spread on its Georgia originations was 0.7 percentage points (state median 0.4).
Applications in the state were down 22% on 2023.
Compared with the state and the lender's national record
| Measure | In Georgia | Georgia, all lenders | Synovus Bank, all states | United States |
|---|---|---|---|---|
| Denial rate | 23.5% | 26.9% | 24.8% | 24.3% |
| Median rate spread, pp | 0.7 | 0.4 | 0.6 | 0.3 |
| Originations with spread of 1.5 pp or more | 20.1% | 17.5% | 16.8% | 15.6% |
| Average originated loan | $268k | $313k | $303k | $329k |
| Home purchase share | 37.1% | 57.0% | 44.2% | 57.0% |
| FHA-insured share | 8.0% | 18.3% | 9.5% | 13.4% |
| VA-guaranteed share | 4.2% | 11.6% | 3.7% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateGeorgia, all lenders
Loan purpose and loan type in Georgia
By purpose
Home purchase 37% (979)Home improvement 15% (398)Refinancing 23% (605)Cash-out refinancing 1% (38)Other purpose 24% (621)
By type
Conventional 87% (2,299)FHA 8% (212)VA 4% (112)USDA 1% (18)
Denial reasons as coded
Share of 866 denials in Georgia by first denial reason coded (outlined bar: all lenders in the state).
Counties in Georgia
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Muscogee County | 448 | 310 | $58m | 16.2% |
| Fulton County | 409 | 243 | $115m | 25.1% |
| Cobb County | 209 | 117 | $35m | 28.8% |
| Houston County | 135 | 103 | $28m | 10.6% |
| Clarke County | 157 | 95 | $25m | 18.5% |
| DeKalb County | 145 | 90 | $28m | 23.8% |
| Gwinnett County | 150 | 89 | $21m | 28.4% |
| Oconee County | 121 | 86 | $32m | 17.0% |
| Harris County | 116 | 85 | $18m | 12.5% |
| Chatham County | 126 | 80 | $31m | 25.0% |
| Forsyth County | 121 | 79 | $19m | 25.6% |
| Cherokee County | 121 | 76 | $17m | 29.8% |
| Walton County | 106 | 74 | $12m | 24.0% |
| Bulloch County | 104 | 70 | $14m | 24.2% |
| Troup County | 98 | 60 | $13m | 33.3% |
| Carroll County | 82 | 47 | $6.4m | 31.0% |
| Lee County | 64 | 45 | $9.0m | 7.7% |
| Bartow County | 79 | 43 | $11m | 15.4% |
| Gordon County | 66 | 43 | $7.0m | 27.1% |
| Columbia County | 59 | 43 | $11m | 13.7% |
| Lowndes County | 72 | 42 | $5.5m | 26.2% |
| Coweta County | 86 | 40 | $6.1m | 41.5% |
| Dougherty County | 62 | 39 | $7.6m | 23.5% |
| Paulding County | 60 | 34 | $8.0m | 15.9% |
| Glynn County | 57 | 31 | $11m | 17.9% |
| Bibb County | 47 | 31 | $13m | 20.5% |
| Fayette County | 55 | 29 | $9.8m | 33.3% |
| Thomas County | 37 | 28 | $2.7m | 21.6% |
| Tift County | 41 | 25 | $3.2m | 29.7% |
| Floyd County | 44 | 24 | $6.2m | 26.5% |
| Hall County | 41 | 21 | $6.1m | 36.8% |
| Richmond County | 30 | 20 | $5.2m | 15.4% |
| Jackson County | 29 | 20 | $4.9m | — |
| Pickens County | 26 | 19 | $6.0m | 19.2% |
| Newton County | 34 | 18 | $3.5m | 36.7% |
| Whitfield County | 25 | 18 | $3.0m | — |
| Peach County | 26 | 16 | $2.5m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Synovus Bank originate in Georgia in 2024?
2,641 loans totalling $708m, from 4,208 applications reported for properties in Georgia.
What is Synovus Bank's denial rate in Georgia?
23.5% of decided applications in Georgia were denied, against 26.9% for all lenders in the state and 24.8% 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 Synovus Bank lend in most?
By originations: Muscogee County (310), Fulton County (243), Cobb County (117), Houston County (103), Clarke County (95).
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.