American Heritage Lending in Georgia vs the state
14.5%Denial rate-4.75 pts vs state
20.5%Decision denial rate-4.56 pts vs state
45.0%Origination rate-9.13 pts vs state
7.38%Median rate+0.75 pts vs state
1.62Rate spread (pts)+1.35 pts vs state
$131kMedian applicant income
174Loans originated
56Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 266 | 119 | 7.9% | 8.88% | #188 |
| 2024 | 355 | 157 | 8.7% | 7.88% | #170 |
| 2025 | 387 | 174 | 14.5% | 7.38% | #174 |
What American Heritage Lending lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most American Heritage Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fulton County | 98 | 27 | 31 | 31.6% |
| DeKalb County | 45 | 18 | 7 | 15.6% |
| Bibb County | 27 | 21 | 1 | 3.7% |
| Gwinnett County | 25 | 16 | 1 | 4.0% |
| Muscogee County | 25 | 11 | 1 | 4.0% |
| Cobb County | 20 | 8 | 1 | 5.0% |
| Hall County | 17 | 14 | 0 | 0.0% |
| Forsyth County | 13 | 3 | 0 | 0.0% |
| Clayton County | 11 | 4 | 2 | 18.2% |
| Richmond County | 11 | 2 | 4 | 36.4% |
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: 387 applications in 2025, of which 174 were originated and 56 denied.
14.5% of all applications, or 20.5% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans American Heritage Lending originated in Georgia in 2025 was 7.38%, against a statewide median of 6.63%.
About this data. Figures are American Heritage Lending'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