Acopia in Georgia vs the state
4.2%Denial rate-14.99 pts vs state
5.0%Decision denial rate-20.09 pts vs state
68.6%Origination rate+14.53 pts vs state
6.38%Median rate-0.25 pts vs state
0.09Rate spread (pts)-0.18 pts vs state
$85kMedian applicant income
632Loans originated
39Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 973 | 611 | 3.4% | 6.88% | #78 |
| 2024 | 903 | 615 | 3.5% | 6.63% | #91 |
| 2025 | 921 | 632 | 4.2% | 6.38% | #98 |
What Acopia lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Acopia applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Gwinnett County | 90 | 63 | 5 | 5.6% |
| Walton County | 88 | 70 | 0 | 0.0% |
| DeKalb County | 77 | 46 | 6 | 7.8% |
| Fulton County | 76 | 46 | 1 | 1.3% |
| Jackson County | 48 | 34 | 0 | 0.0% |
| Henry County | 46 | 24 | 0 | 0.0% |
| Cobb County | 44 | 29 | 2 | 4.5% |
| Clayton County | 36 | 21 | 3 | 8.3% |
| Barrow County | 24 | 21 | 0 | 0.0% |
| Cherokee County | 22 | 17 | 1 | 4.5% |
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: 921 applications in 2025, of which 632 were originated and 39 denied.
4.2% of all applications, or 5.0% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Acopia originated in Georgia in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are Acopia'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