Affinity in Georgia vs the state
51.9%Denial rate+32.63 pts vs state
60.9%Decision denial rate+35.80 pts vs state
33.3%Origination rate-20.76 pts vs state
4.90%Median rate-1.72 pts vs state
-2.26Rate spread (pts)-2.53 pts vs state
$118kMedian applicant income
9Loans originated
14Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 38 | 10 | 52.6% | 8.13% | #457 |
| 2024 | 25 | 8 | 28.0% | 8.25% | #535 |
| 2025 | 27 | 9 | 51.9% | 4.90% | #536 |
What Affinity lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Affinity applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Gwinnett County | 5 | 1 | 3 | 60.0% |
| Forsyth County | 3 | 1 | 2 | 66.7% |
| Chatham County | 3 | 0 | 1 | 33.3% |
| DeKalb County | 3 | 1 | 1 | 33.3% |
| Walton County | 2 | 1 | 1 | 50.0% |
| Henry County | 2 | 2 | 0 | 0.0% |
| Fulton County | 2 | 2 | 0 | 0.0% |
| Rockdale County | 1 | 0 | 1 | 100.0% |
| Cobb County | 1 | 0 | 1 | 100.0% |
| Muscogee County | 1 | 0 | 1 | 100.0% |
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: 27 applications in 2025, of which 9 were originated and 14 denied.
51.9% of all applications, or 60.9% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Affinity originated in Georgia in 2025 was 4.90%, against a statewide median of 6.63%.
About this data. Figures are Affinity'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