East Coast Capital in Georgia vs the state
7.6%Denial rate-11.67 pts vs state
14.3%Decision denial rate-10.78 pts vs state
45.3%Origination rate-8.81 pts vs state
7.13%Median rate+0.50 pts vs state
1.08Rate spread (pts)+0.81 pts vs state
$116kMedian applicant income
24Loans originated
4Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 14 | 6 | 7.1% | 8.50% | #611 |
| 2024 | 31 | 14 | 6.5% | 6.81% | #500 |
| 2025 | 53 | 24 | 7.6% | 7.13% | #430 |
What East Coast Capital lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most East Coast Capital applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Chatham County | 7 | 2 | 0 | 0.0% |
| Gwinnett County | 6 | 5 | 0 | 0.0% |
| Fulton County | 6 | 2 | 0 | 0.0% |
| Henry County | 5 | 1 | 0 | 0.0% |
| DeKalb County | 5 | 2 | 2 | 40.0% |
| Paulding County | 4 | 3 | 0 | 0.0% |
| Cherokee County | 4 | 2 | 0 | 0.0% |
| Cobb County | 2 | 2 | 0 | 0.0% |
| Newton County | 2 | 1 | 0 | 0.0% |
| Haralson County | 2 | 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: 53 applications in 2025, of which 24 were originated and 4 denied.
7.6% of all applications, or 14.3% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans East Coast Capital originated in Georgia in 2025 was 7.13%, against a statewide median of 6.63%.
About this data. Figures are East Coast Capital'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