American Financial Resources in Georgia vs the state
7.0%Denial rate-12.20 pts vs state
9.6%Decision denial rate-15.51 pts vs state
66.1%Origination rate+12.02 pts vs state
6.50%Median rate-0.13 pts vs state
0.41Rate spread (pts)+0.14 pts vs state
$91kMedian applicant income
433Loans originated
46Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 201 | 104 | 18.9% | 6.75% | #225 |
| 2024 | 328 | 216 | 11.9% | 6.63% | #181 |
| 2025 | 655 | 433 | 7.0% | 6.50% | #126 |
What American Financial Resources lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most American Financial Resources applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fulton County | 39 | 27 | 4 | 10.3% |
| Gwinnett County | 38 | 26 | 2 | 5.3% |
| Cobb County | 35 | 25 | 1 | 2.9% |
| DeKalb County | 28 | 10 | 3 | 10.7% |
| Chatham County | 20 | 15 | 1 | 5.0% |
| Clayton County | 20 | 11 | 4 | 20.0% |
| Richmond County | 16 | 6 | 4 | 25.0% |
| Henry County | 16 | 13 | 0 | 0.0% |
| Carroll County | 16 | 12 | 0 | 0.0% |
| Lowndes County | 14 | 10 | 1 | 7.1% |
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: 655 applications in 2025, of which 433 were originated and 46 denied.
7.0% of all applications, or 9.6% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans American Financial Resources originated in Georgia in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are American Financial Resources'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