Alcova Mortgage in Georgia vs the state
3.9%Denial rate-15.29 pts vs state
4.5%Decision denial rate-20.61 pts vs state
71.8%Origination rate+17.71 pts vs state
6.63%Median rate0.00 pts vs state
0.32Rate spread (pts)+0.05 pts vs state
$93kMedian applicant income
219Loans originated
12Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 197 | 130 | 7.1% | 6.75% | #227 |
| 2024 | 309 | 225 | 6.5% | 6.63% | #193 |
| 2025 | 305 | 219 | 3.9% | 6.63% | #199 |
What Alcova Mortgage lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Alcova Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Houston County | 72 | 55 | 2 | 2.8% |
| Cobb County | 32 | 29 | 0 | 0.0% |
| Bibb County | 23 | 14 | 1 | 4.3% |
| Laurens County | 20 | 11 | 0 | 0.0% |
| Fulton County | 15 | 8 | 1 | 6.7% |
| Paulding County | 13 | 13 | 0 | 0.0% |
| Peach County | 11 | 7 | 0 | 0.0% |
| Dodge County | 11 | 9 | 0 | 0.0% |
| Carroll County | 8 | 4 | 0 | 0.0% |
| DeKalb County | 6 | 4 | 1 | 16.7% |
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: 305 applications in 2025, of which 219 were originated and 12 denied.
3.9% of all applications, or 4.5% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Alcova Mortgage originated in Georgia in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Alcova 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