Direct Lenders in Georgia vs the state
2.8%Denial rate-16.40 pts vs state
3.9%Decision denial rate-21.21 pts vs state
70.2%Origination rate+16.13 pts vs state
6.50%Median rate-0.13 pts vs state
0.20Rate spread (pts)-0.07 pts vs state
$120kMedian applicant income
224Loans originated
9Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 279 | 174 | 5.0% | 6.75% | #185 |
| 2024 | 265 | 199 | 2.3% | 6.50% | #204 |
| 2025 | 319 | 224 | 2.8% | 6.50% | #195 |
What Direct Lenders lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Direct Lenders applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cobb County | 78 | 52 | 2 | 2.6% |
| Paulding County | 47 | 33 | 1 | 2.1% |
| Carroll County | 43 | 33 | 2 | 4.7% |
| Floyd County | 26 | 21 | 0 | 0.0% |
| Fulton County | 19 | 13 | 2 | 10.5% |
| Bartow County | 17 | 12 | 0 | 0.0% |
| Haralson County | 15 | 13 | 0 | 0.0% |
| Cherokee County | 12 | 9 | 1 | 8.3% |
| Douglas County | 9 | 8 | 0 | 0.0% |
| Coweta County | 6 | 5 | 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: 319 applications in 2025, of which 224 were originated and 9 denied.
2.8% of all applications, or 3.9% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Direct Lenders originated in Georgia in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Direct Lenders'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