Arc Home in Georgia vs the state
13.8%Denial rate-5.47 pts vs state
25.6%Decision denial rate+0.51 pts vs state
38.8%Origination rate-15.34 pts vs state
7.25%Median rate+0.63 pts vs state
0.96Rate spread (pts)+0.69 pts vs state
$231kMedian applicant income
31Loans originated
11Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 35 | 20 | 14.3% | 7.81% | #468 |
| 2024 | 118 | 55 | 10.2% | 7.63% | #304 |
| 2025 | 80 | 31 | 13.8% | 7.25% | #369 |
What Arc Home lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Arc Home applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fulton County | 18 | 7 | 3 | 16.7% |
| Gwinnett County | 10 | 3 | 1 | 10.0% |
| Chatham County | 7 | 6 | 0 | 0.0% |
| Cherokee County | 5 | 1 | 1 | 20.0% |
| Cobb County | 4 | 1 | 0 | 0.0% |
| White County | 3 | 0 | 0 | 0.0% |
| Fannin County | 3 | 2 | 0 | 0.0% |
| Forsyth County | 3 | 1 | 2 | 66.7% |
| Clarke County | 2 | 0 | 1 | 50.0% |
| Jackson County | 2 | 1 | 1 | 50.0% |
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: 80 applications in 2025, of which 31 were originated and 11 denied.
13.8% of all applications, or 25.6% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Arc Home originated in Georgia in 2025 was 7.25%, against a statewide median of 6.63%.
About this data. Figures are Arc Home'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