Emm Loans in Georgia vs the state
3.5%Denial rate-15.70 pts vs state
4.0%Decision denial rate-21.09 pts vs state
82.6%Origination rate+28.51 pts vs state
6.63%Median rate0.00 pts vs state
0.33Rate spread (pts)+0.06 pts vs state
$110kMedian applicant income
375Loans originated
16Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 214 | 132 | 4.2% | 6.88% | #216 |
| 2024 | 453 | 341 | 4.4% | 6.63% | #149 |
| 2025 | 454 | 375 | 3.5% | 6.63% | #161 |
What Emm Loans lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Emm Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bibb County | 91 | 86 | 1 | 1.1% |
| Coweta County | 49 | 45 | 0 | 0.0% |
| Houston County | 32 | 28 | 0 | 0.0% |
| Effingham County | 31 | 25 | 0 | 0.0% |
| Monroe County | 27 | 27 | 0 | 0.0% |
| Camden County | 22 | 18 | 1 | 4.5% |
| Cobb County | 16 | 10 | 2 | 12.5% |
| Fulton County | 14 | 11 | 2 | 14.3% |
| Chatham County | 12 | 9 | 0 | 0.0% |
| Bulloch County | 9 | 7 | 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: 454 applications in 2025, of which 375 were originated and 16 denied.
3.5% of all applications, or 4.0% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Emm Loans originated in Georgia in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Emm 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