Commerce Home Mortgage in Georgia vs the state
15.7%Denial rate-3.50 pts vs state
22.8%Decision denial rate-2.25 pts vs state
52.5%Origination rate-1.58 pts vs state
7.50%Median rate+0.88 pts vs state
1.22Rate spread (pts)+0.96 pts vs state
$190kMedian applicant income
157Loans originated
47Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 297 | 152 | 12.5% | 8.88% | #177 |
| 2024 | 129 | 59 | 11.6% | 8.38% | #290 |
| 2025 | 299 | 157 | 15.7% | 7.50% | #202 |
What Commerce Home Mortgage lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Commerce Home Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fulton County | 48 | 24 | 12 | 25.0% |
| Gwinnett County | 41 | 25 | 4 | 9.8% |
| DeKalb County | 28 | 10 | 6 | 21.4% |
| Cobb County | 22 | 9 | 3 | 13.6% |
| Henry County | 13 | 4 | 1 | 7.7% |
| Forsyth County | 9 | 6 | 1 | 11.1% |
| Hall County | 9 | 5 | 2 | 22.2% |
| Rockdale County | 8 | 3 | 2 | 25.0% |
| Cherokee County | 8 | 6 | 2 | 25.0% |
| Walton County | 7 | 3 | 2 | 28.6% |
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: 299 applications in 2025, of which 157 were originated and 47 denied.
15.7% of all applications, or 22.8% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Commerce Home Mortgage originated in Georgia in 2025 was 7.50%, against a statewide median of 6.63%.
About this data. Figures are Commerce Home 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