American Pacific Mortgage in Georgia vs the state
8.9%Denial rate-10.35 pts vs state
11.1%Decision denial rate-13.95 pts vs state
70.8%Origination rate+16.73 pts vs state
6.50%Median rate-0.13 pts vs state
0.51Rate spread (pts)+0.24 pts vs state
$87kMedian applicant income
1,405Loans originated
176Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 456 | 274 | 14.0% | 6.75% | #136 |
| 2024 | 1,366 | 945 | 7.5% | 6.63% | #65 |
| 2025 | 1,984 | 1,405 | 8.9% | 6.50% | #51 |
What American Pacific Mortgage lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most American Pacific Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hall County | 157 | 121 | 11 | 7.0% |
| Gwinnett County | 126 | 99 | 10 | 7.9% |
| Fulton County | 106 | 51 | 20 | 18.9% |
| Paulding County | 102 | 75 | 7 | 6.9% |
| Barrow County | 90 | 61 | 8 | 8.9% |
| Cobb County | 85 | 57 | 6 | 7.1% |
| Henry County | 72 | 54 | 5 | 6.9% |
| DeKalb County | 69 | 39 | 16 | 23.2% |
| Floyd County | 68 | 49 | 1 | 1.5% |
| Habersham County | 66 | 54 | 2 | 3.0% |
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: 1,984 applications in 2025, of which 1,405 were originated and 176 denied.
8.9% of all applications, or 11.1% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans American Pacific Mortgage originated in Georgia in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are American Pacific 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