Atlanta Postal in Georgia vs the state
37.6%Denial rate+18.41 pts vs state
53.9%Decision denial rate+28.78 pts vs state
30.0%Origination rate-24.06 pts vs state
8.50%Median rate+1.88 pts vs state
1.21Rate spread (pts)+0.94 pts vs state
$94kMedian applicant income
324Loans originated
406Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 388 | 130 | 45.6% | 8.50% | #153 |
| 2024 | 743 | 282 | 30.8% | 8.75% | #107 |
| 2025 | 1,079 | 324 | 37.6% | 8.50% | #89 |
What Atlanta Postal lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Atlanta Postal applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fulton County | 135 | 46 | 39 | 28.9% |
| Gwinnett County | 83 | 29 | 24 | 28.9% |
| DeKalb County | 81 | 28 | 26 | 32.1% |
| Henry County | 65 | 22 | 19 | 29.2% |
| Clayton County | 51 | 17 | 17 | 33.3% |
| Newton County | 49 | 16 | 23 | 46.9% |
| Chatham County | 43 | 3 | 23 | 53.5% |
| Cobb County | 36 | 11 | 10 | 27.8% |
| Muscogee County | 27 | 9 | 9 | 33.3% |
| Douglas County | 22 | 5 | 11 | 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: 1,079 applications in 2025, of which 324 were originated and 406 denied.
37.6% of all applications, or 53.9% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Atlanta Postal originated in Georgia in 2025 was 8.50%, against a statewide median of 6.63%.
About this data. Figures are Atlanta Postal'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