Better Mortgage in Georgia vs the state
28.8%Denial rate+9.58 pts vs state
47.6%Decision denial rate+22.53 pts vs state
30.6%Origination rate-23.45 pts vs state
8.13%Median rate+1.50 pts vs state
1.01Rate spread (pts)+0.74 pts vs state
$149kMedian applicant income
685Loans originated
644Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 689 | 274 | 9.0% | 6.25% | #101 |
| 2024 | 807 | 280 | 15.5% | 6.50% | #98 |
| 2025 | 2,236 | 685 | 28.8% | 8.13% | #49 |
What Better Mortgage lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Better Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fulton County | 345 | 111 | 106 | 30.7% |
| Gwinnett County | 250 | 73 | 67 | 26.8% |
| Cobb County | 241 | 72 | 55 | 22.8% |
| DeKalb County | 175 | 54 | 52 | 29.7% |
| Forsyth County | 145 | 51 | 27 | 18.6% |
| Cherokee County | 96 | 37 | 26 | 27.1% |
| Chatham County | 89 | 21 | 32 | 36.0% |
| Henry County | 42 | 10 | 13 | 31.0% |
| Paulding County | 42 | 18 | 9 | 21.4% |
| Coweta County | 39 | 15 | 10 | 25.6% |
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: 2,236 applications in 2025, of which 685 were originated and 644 denied.
28.8% of all applications, or 47.6% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Better Mortgage originated in Georgia in 2025 was 8.13%, against a statewide median of 6.63%.
About this data. Figures are Better 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