Apco Employees in Georgia vs the state
24.8%Denial rate+5.55 pts vs state
25.2%Decision denial rate+0.16 pts vs state
73.4%Origination rate+19.30 pts vs state
6.00%Median rate-0.63 pts vs state
6.00Rate spread (pts)+5.73 pts vs state
$141kMedian applicant income
80Loans originated
27Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 5 | 5 | 0.0% | 4.75% | #783 |
| 2024 | 76 | 56 | 21.1% | 6.25% | #373 |
| 2025 | 109 | 80 | 24.8% | 6.00% | #325 |
What Apco Employees lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Apco Employees applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Henry County | 13 | 10 | 3 | 23.1% |
| DeKalb County | 11 | 9 | 2 | 18.2% |
| Forsyth County | 9 | 6 | 2 | 22.2% |
| Cobb County | 8 | 6 | 2 | 25.0% |
| Fulton County | 8 | 6 | 2 | 25.0% |
| Gwinnett County | 5 | 4 | 1 | 20.0% |
| Cherokee County | 4 | 2 | 2 | 50.0% |
| Fayette County | 4 | 4 | 0 | 0.0% |
| Chatham County | 4 | 3 | 1 | 25.0% |
| Coweta County | 3 | 2 | 1 | 33.3% |
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: 109 applications in 2025, of which 80 were originated and 27 denied.
24.8% of all applications, or 25.2% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Apco Employees originated in Georgia in 2025 was 6.00%, against a statewide median of 6.63%.
About this data. Figures are Apco Employees'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