Clearedge Lending in Georgia vs the state
22.6%Denial rate+3.36 pts vs state
26.1%Decision denial rate+0.98 pts vs state
63.3%Origination rate+9.22 pts vs state
7.38%Median rate+0.75 pts vs state
1.05Rate spread (pts)+0.78 pts vs state
$214kMedian applicant income
157Loans originated
56Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 189 | 105 | 28.0% | 8.38% | #235 |
| 2024 | 254 | 140 | 27.2% | 7.75% | #207 |
| 2025 | 248 | 157 | 22.6% | 7.38% | #219 |
What Clearedge Lending lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Clearedge Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fulton County | 35 | 21 | 10 | 28.6% |
| Gwinnett County | 33 | 21 | 7 | 21.2% |
| Cobb County | 27 | 18 | 5 | 18.5% |
| DeKalb County | 26 | 16 | 9 | 34.6% |
| Chatham County | 16 | 11 | 1 | 6.3% |
| Cherokee County | 11 | 8 | 2 | 18.2% |
| Forsyth County | 8 | 5 | 1 | 12.5% |
| Clayton County | 8 | 4 | 4 | 50.0% |
| Glynn County | 7 | 4 | 0 | 0.0% |
| Paulding County | 5 | 4 | 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: 248 applications in 2025, of which 157 were originated and 56 denied.
22.6% of all applications, or 26.1% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Clearedge Lending originated in Georgia in 2025 was 7.38%, against a statewide median of 6.63%.
About this data. Figures are Clearedge Lending'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