PlainLender

BankSouth

Greensboro, GA

BankSouth processed 257 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 201 loans with a 4.7% denial rate. Home Purchase was the primary loan purpose. Based in Greensboro, GA. The approval rate of 78.2% reflects originated loans as a share of all applications.

Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% - HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. BankSouth's 78.2% origination rate tells you how often an application turned into funded money; the 4.7% denial rate is a separate read on underwriting strictness. Most activity concentrated in Conventional loans (257 applications).

How to read this page. These figures are aggregate HMDA disclosures, they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting, it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.

257
Applications
201
Originated
4.7%
Denial Rate
$563,054
Avg Loan Amount

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 257 201 12 $563,054

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2024 LAR, application-level mortgage data for BankSouth (LEI: 549300EA0U825E61X330) · 2024 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Home Purchase 186 144 $647,097
Refinancing 30 25 $344,000
Other 15 14 $346,333
Home Improvement 13 11 $215,769
Cash-out Refinancing 13 7 $463,462

Geographic Coverage — Lending by Race

Derived race categories as reported under HMDA. Source: CFPB.

Race Applications Approval Rate Denial Rate
White 140 85.0% 2.9%
Black or African American * 9 66.7% 11.1%
Joint * 3 66.7% 0.0%

* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.

Lending by Ethnicity

Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.

Ethnicity Applications Approval Rate Denial Rate
Not Hispanic or Latino 132 81.8% 3.0%
Hispanic or Latino * 5 100.0% 0.0%
Joint * 2 100.0% 0.0%

* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.

Nearby Lenders in GA

Other HMDA-reporting lenders in GA with similar activity. Compare any two side-by-side.

Amerisave Mortgage Company

SANDY SPRINGS, GA

107,775 apps 16,102 originated 69.0% denied

Ameris Bank

Atlanta, GA

20,452 apps 14,604 originated 7.8% denied

Equity Prime Mortgage LLC

Atlanta, GA

18,565 apps 10,954 originated 3.6% denied

Renasant Bank

JOHNS CREEK, GA

10,267 apps 7,420 originated 9.3% denied

Synovus Bank

COLUMBUS, GA

8,388 apps 5,114 originated 21.6% denied
Compare BankSouth vs Amerisave Mortgage Company →

Mortgage Lending Guides

Frequently Asked Questions

How many mortgage applications did BankSouth process?
BankSouth processed 257 mortgage applications in the 2024 HMDA reporting year. Of these, 201 were originated (approved and funded), 31 were withdrawn by the applicant, and 12 were denied.
What is BankSouth's mortgage approval rate?
BankSouth has an approval (origination) rate of 78.2%, meaning 78.2% of all applications resulted in a funded mortgage. The denial rate is 4.7%.
What is the average loan amount at BankSouth?
The average mortgage loan amount at BankSouth is $563,054.
What types of mortgage loans does BankSouth offer?
BankSouth processes Conventional loans. The most common type is Conventional with 257 applications and an average loan amount of $563,054.
What loan purposes does BankSouth serve?
BankSouth serves the following loan purposes: Home Purchase (186 applications), Refinancing (30 applications), Other (15 applications), Home Improvement (13 applications), Cash-out Refinancing (13 applications). Home Purchase is the most common purpose.
Where is BankSouth located?
BankSouth is headquartered in Greensboro, GA. The lender is identified by LEI 549300EA0U825E61X330 in HMDA data.
How does BankSouth compare in lending across racial demographics?
BankSouth reports demographic lending data under HMDA requirements. White applicants have an approval rate of 85.0% and denial rate of 2.9%; Black or African American applicants have an approval rate of 66.7% and denial rate of 11.1%; Joint applicants have an approval rate of 66.7% and denial rate of 0.0%. This data reflects derived race categories as reported by applicants.

Data Sources

Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.

Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.

Read our methodology - how this data is sourced, computed, and verified.

Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.