Capital Center in Georgia vs the state
15.4%Denial rate-3.84 pts vs state
23.5%Decision denial rate-1.54 pts vs state
50.0%Origination rate-4.09 pts vs state
6.38%Median rate-0.25 pts vs state
-0.13Rate spread (pts)-0.40 pts vs state
$135kMedian applicant income
26Loans originated
8Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 8 | 5 | 0.0% | 7.25% | #694 |
| 2024 | 28 | 14 | 10.7% | 6.75% | #519 |
| 2025 | 52 | 26 | 15.4% | 6.38% | #434 |
What Capital Center lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Capital Center applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Gwinnett County | 9 | 3 | 2 | 22.2% |
| Chatham County | 5 | 3 | 1 | 20.0% |
| Forsyth County | 4 | 2 | 0 | 0.0% |
| Barrow County | 3 | 2 | 1 | 33.3% |
| Fulton County | 2 | 1 | 1 | 50.0% |
| Cobb County | 2 | 1 | 0 | 0.0% |
| Newton County | 2 | 1 | 0 | 0.0% |
| Henry County | 2 | 0 | 0 | 0.0% |
| Houston County | 2 | 1 | 1 | 50.0% |
| Cherokee County | 2 | 2 | 0 | 0.0% |
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: 52 applications in 2025, of which 26 were originated and 8 denied.
15.4% of all applications, or 23.5% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Capital Center originated in Georgia in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are Capital Center'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