21st Mortgage in Georgia vs the state
51.0%Denial rate+31.79 pts vs state
73.8%Decision denial rate+48.73 pts vs state
17.0%Origination rate-37.06 pts vs state
9.73%Median rate+3.11 pts vs state
3.99Rate spread (pts)+3.72 pts vs state
$65kMedian applicant income
1,218Loans originated
3,648Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 7,409 | 1,140 | 52.6% | 9.20% | #10 |
| 2024 | 7,553 | 1,315 | 48.7% | 9.61% | #11 |
| 2025 | 7,152 | 1,218 | 51.0% | 9.73% | #13 |
What 21st Mortgage lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most 21st Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Gwinnett County | 227 | 23 | 153 | 67.4% |
| Fayette County | 213 | 34 | 136 | 63.8% |
| Cobb County | 159 | 23 | 104 | 65.4% |
| Colquitt County | 157 | 21 | 80 | 51.0% |
| Coffee County | 155 | 32 | 84 | 54.2% |
| Lowndes County | 149 | 13 | 86 | 57.7% |
| Appling County | 141 | 31 | 64 | 45.4% |
| Thomas County | 138 | 10 | 87 | 63.0% |
| Wayne County | 126 | 27 | 66 | 52.4% |
| Henry County | 122 | 16 | 65 | 53.3% |
Other large lenders in Georgia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 29,845 | 18.2% | 6.63% |
| United Shore Financial Services | B | 23,784 | 12.6% | 6.25% |
| Navy Federal Credit Union | D | 12,388 | 26.4% | 7.95% |
| Truist Bank | C | 10,563 | 38.7% | 6.49% |
| Pennymac Loan Services | C | 10,273 | 11.6% | 6.49% |
| Broker Solutions | D | 9,709 | 8.6% | 6.63% |
| Mortgage Research Center | C | 9,443 | 19.8% | 6.25% |
| Freedom Mortgage | B | 9,293 | 9.1% | 6.25% |
| Bank of America | F | 9,168 | 36.5% | 6.24% |
| Ameris Bank | B | 8,065 | 10.1% | 6.50% |
Frequently asked questions
Georgia: 7,152 applications in 2025, of which 1,218 were originated and 3,648 denied.
51.0% of all applications, or 73.8% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans 21st Mortgage originated in Georgia in 2025 was 9.73%, against a statewide median of 6.63%.
About this data. Figures are 21st Mortgage's own HMDA filing for properties located in Georgia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology