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Talbot State Bank

Fayetteville, GA

Talbot State Bank processed 85 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 50 loans with a 7.1% denial rate. Refinancing was the primary loan purpose. Based in Fayetteville, GA. The approval rate of 58.8% 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several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. Talbot State Bank's 58.8% origination rate tells you how often an application turned into funded money; the 7.1% denial rate is a separate read on underwriting strictness. Most activity concentrated in Conventional loans (85 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.

85
Applications
50
Originated
7.1%
Denial Rate
$70,529
Avg Loan Amount

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 85 50 6 $70,529

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2024 LAR, application-level mortgage data for Talbot State Bank (LEI: 549300V2JTNKMMF06966) · 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 Approval rates exclude withdrawn / incomplete applications.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
Refinancing 42 28 $84,286
Home Improvement 18 10 $49,444
Other 13 6 $25,769
Home Purchase 12 6 $102,500

Geographic Coverage — Lending by Race

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

Race Applications Approval Rate Denial Rate
White * 47 59.6% 8.5%
Black or African American * 33 54.5% 6.1%

* 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 77 55.8% 7.8%
Hispanic or Latino * 3 100.0% 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 Talbot State Bank vs Amerisave Mortgage Company →

Mortgage Lending Guides

Frequently Asked Questions

How many mortgage applications did Talbot State Bank process?
Talbot State Bank processed 85 mortgage applications in the 2024 HMDA reporting year. Of these, 50 were originated (approved and funded), 3 were withdrawn by the applicant, and 6 were denied.
What is Talbot State Bank's mortgage approval rate?
Talbot State Bank has an approval (origination) rate of 58.8%, meaning 58.8% of all applications resulted in a funded mortgage. The denial rate is 7.1%.
What is the average loan amount at Talbot State Bank?
The average mortgage loan amount at Talbot State Bank is $70,529.
What types of mortgage loans does Talbot State Bank offer?
Talbot State Bank processes Conventional loans. The most common type is Conventional with 85 applications and an average loan amount of $70,529.
What loan purposes does Talbot State Bank serve?
Talbot State Bank serves the following loan purposes: Refinancing (42 applications), Home Improvement (18 applications), Other (13 applications), Home Purchase (12 applications). Refinancing is the most common purpose.
Where is Talbot State Bank located?
Talbot State Bank is headquartered in Fayetteville, GA. The lender is identified by LEI 549300V2JTNKMMF06966 in HMDA data.
How does Talbot State Bank compare in lending across racial demographics?
Talbot State Bank reports demographic lending data under HMDA requirements. White applicants have an approval rate of 59.6% and denial rate of 8.5%; Black or African American applicants have an approval rate of 54.5% and denial rate of 6.1%. 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.