Addition Financial in Georgia vs the state
40.0%Denial rate+20.78 pts vs state
52.2%Decision denial rate+27.10 pts vs state
36.7%Origination rate-17.42 pts vs state
6.99%Median rate+0.37 pts vs state
0.44Rate spread (pts)+0.18 pts vs state
$73kMedian applicant income
11Loans originated
12Denied
What Addition Financial lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Addition Financial applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Thomas County | 11 | 1 | 6 | 54.5% |
| Decatur County | 8 | 6 | 2 | 25.0% |
| Grady County | 1 | 0 | 1 | 100.0% |
| Lowndes County | 1 | 1 | 0 | 0.0% |
| Bulloch County | 1 | 1 | 0 | 0.0% |
| Cobb County | 1 | 1 | 0 | 0.0% |
| Columbia County | 1 | 1 | 0 | 0.0% |
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: 30 applications in 2025, of which 11 were originated and 12 denied.
40.0% of all applications, or 52.2% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Addition Financial originated in Georgia in 2025 was 6.99%, against a statewide median of 6.63%.
About this data. Figures are Addition Financial'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