Capital City Home Loans in Georgia vs the state
3.7%Denial rate-15.57 pts vs state
4.6%Decision denial rate-20.44 pts vs state
74.9%Origination rate+20.80 pts vs state
6.63%Median rate0.00 pts vs state
0.30Rate spread (pts)+0.03 pts vs state
$133kMedian applicant income
820Loans originated
40Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,300 | 968 | 5.3% | 6.63% | #66 |
| 2024 | 1,230 | 893 | 4.7% | 6.88% | #74 |
| 2025 | 1,095 | 820 | 3.7% | 6.63% | #88 |
What Capital City Home Loans lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Capital City Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Gwinnett County | 101 | 68 | 4 | 4.0% |
| Cobb County | 97 | 73 | 2 | 2.1% |
| Fulton County | 95 | 70 | 2 | 2.1% |
| Glynn County | 60 | 51 | 2 | 3.3% |
| Forsyth County | 59 | 43 | 2 | 3.4% |
| DeKalb County | 43 | 30 | 2 | 4.7% |
| Cherokee County | 41 | 33 | 1 | 2.4% |
| Jackson County | 39 | 32 | 1 | 2.6% |
| Sumter County | 38 | 30 | 1 | 2.6% |
| Walton County | 34 | 27 | 2 | 5.9% |
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: 1,095 applications in 2025, of which 820 were originated and 40 denied.
3.7% of all applications, or 4.6% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Capital City Home Loans originated in Georgia in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Capital City Home Loans'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