Digital in Georgia vs the state
16.5%Denial rate-2.74 pts vs state
23.7%Decision denial rate-1.38 pts vs state
51.4%Origination rate-2.69 pts vs state
7.75%Median rate+1.12 pts vs state
0.58Rate spread (pts)+0.31 pts vs state
$175kMedian applicant income
184Loans originated
59Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 755 | 255 | 13.9% | 6.99% | #97 |
| 2024 | 552 | 212 | 18.8% | 7.99% | #133 |
| 2025 | 358 | 184 | 16.5% | 7.75% | #187 |
What Digital lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Digital applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Forsyth County | 191 | 101 | 28 | 14.7% |
| Fulton County | 48 | 28 | 8 | 16.7% |
| Gwinnett County | 39 | 21 | 6 | 15.4% |
| Cobb County | 22 | 7 | 4 | 18.2% |
| Cherokee County | 11 | 7 | 0 | 0.0% |
| Hall County | 9 | 3 | 4 | 44.4% |
| DeKalb County | 8 | 4 | 2 | 25.0% |
| Clayton County | 3 | 0 | 2 | 66.7% |
| Jackson County | 3 | 2 | 0 | 0.0% |
| Douglas County | 3 | 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: 358 applications in 2025, of which 184 were originated and 59 denied.
16.5% of all applications, or 23.7% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Digital originated in Georgia in 2025 was 7.75%, against a statewide median of 6.63%.
About this data. Figures are Digital'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