American Financing in Georgia vs the state
54.5%Denial rate+35.29 pts vs state
69.7%Decision denial rate+44.61 pts vs state
18.4%Origination rate-35.72 pts vs state
6.13%Median rate-0.50 pts vs state
0.22Rate spread (pts)-0.05 pts vs state
$74kMedian applicant income
491Loans originated
1,457Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 4,482 | 630 | 52.3% | 6.25% | #22 |
| 2024 | 3,589 | 639 | 61.8% | 5.88% | #28 |
| 2025 | 2,673 | 491 | 54.5% | 6.13% | #41 |
What American Financing lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most American Financing applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fulton County | 345 | 55 | 196 | 56.8% |
| DeKalb County | 341 | 61 | 197 | 57.8% |
| Gwinnett County | 279 | 49 | 148 | 53.0% |
| Clayton County | 258 | 54 | 148 | 57.4% |
| Henry County | 160 | 25 | 94 | 58.8% |
| Cobb County | 159 | 28 | 86 | 54.1% |
| Rockdale County | 111 | 17 | 65 | 58.6% |
| Douglas County | 92 | 18 | 54 | 58.7% |
| Newton County | 88 | 9 | 54 | 61.4% |
| Paulding County | 69 | 15 | 28 | 40.6% |
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: 2,673 applications in 2025, of which 491 were originated and 1,457 denied.
54.5% of all applications, or 69.7% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans American Financing originated in Georgia in 2025 was 6.13%, against a statewide median of 6.63%.
About this data. Figures are American Financing'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