Constructive Loans in Georgia vs the state
4.1%Denial rate-15.14 pts vs state
4.1%Decision denial rate-20.99 pts vs state
91.8%Origination rate+37.75 pts vs state
8.13%Median rate+1.50 pts vs state
—Rate spread (pts)
—Median applicant income
45Loans originated
2Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 29 | 29 | 0.0% | 7.50% | #514 |
| 2025 | 49 | 45 | 4.1% | 8.13% | #440 |
What Constructive Loans lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Constructive Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lowndes County | 31 | 31 | 0 | 0.0% |
| Bibb County | 6 | 6 | 0 | 0.0% |
| DeKalb County | 3 | 1 | 1 | 33.3% |
| Fulton County | 2 | 2 | 0 | 0.0% |
| Gwinnett County | 2 | 2 | 0 | 0.0% |
| Henry County | 1 | 0 | 0 | 0.0% |
| Muscogee County | 1 | 1 | 0 | 0.0% |
| Douglas County | 1 | 1 | 0 | 0.0% |
| Spalding County | 1 | 0 | 1 | 100.0% |
| Ware County | 1 | 1 | 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: 49 applications in 2025, of which 45 were originated and 2 denied.
4.1% of all applications, or 4.1% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Constructive Loans originated in Georgia in 2025 was 8.13%, against a statewide median of 6.63%.
About this data. Figures are Constructive 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