Consumer Real Estate Finance in Georgia vs the state
28.9%Denial rate+9.63 pts vs state
36.6%Decision denial rate+11.52 pts vs state
50.0%Origination rate-4.09 pts vs state
6.75%Median rate+0.13 pts vs state
0.82Rate spread (pts)+0.55 pts vs state
$60kMedian applicant income
26Loans originated
15Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 168 | 71 | 17.9% | 6.75% | #249 |
| 2024 | 89 | 33 | 22.5% | 7.25% | #353 |
| 2025 | 52 | 26 | 28.9% | 6.75% | #431 |
What Consumer Real Estate Finance lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Consumer Real Estate Finance applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fulton County | 4 | 2 | 2 | 50.0% |
| Houston County | 3 | 1 | 0 | 0.0% |
| Wilkes County | 3 | 1 | 1 | 33.3% |
| Richmond County | 2 | 2 | 0 | 0.0% |
| Coffee County | 2 | 0 | 0 | 0.0% |
| Ben Hill County | 2 | 0 | 1 | 50.0% |
| Cobb County | 2 | 0 | 1 | 50.0% |
| Polk County | 2 | 1 | 0 | 0.0% |
| Spalding County | 2 | 1 | 1 | 50.0% |
| DeKalb 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 15 denied.
28.9% of all applications, or 36.6% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Consumer Real Estate Finance originated in Georgia in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are Consumer Real Estate Finance'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