Encompass Lending Group in Georgia vs the state
7.7%Denial rate-11.53 pts vs state
9.1%Decision denial rate-15.98 pts vs state
76.9%Origination rate+22.83 pts vs state
6.94%Median rate+0.31 pts vs state
0.68Rate spread (pts)+0.41 pts vs state
$91kMedian applicant income
10Loans originated
1Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 11 | 5 | 0.0% | 6.88% | #647 |
| 2024 | 35 | 17 | 2.9% | 6.99% | #474 |
| 2025 | 13 | 10 | 7.7% | 6.94% | #632 |
What Encompass Lending Group lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Encompass Lending Group applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cobb County | 4 | 3 | 1 | 25.0% |
| Fulton County | 3 | 2 | 0 | 0.0% |
| Liberty County | 1 | 1 | 0 | 0.0% |
| Richmond County | 1 | 1 | 0 | 0.0% |
| Paulding County | 1 | 1 | 0 | 0.0% |
| Glynn County | 1 | 1 | 0 | 0.0% |
| DeKalb County | 1 | 0 | 0 | 0.0% |
| Colquitt County | 1 | 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: 13 applications in 2025, of which 10 were originated and 1 denied.
7.7% of all applications, or 9.1% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Encompass Lending Group originated in Georgia in 2025 was 6.94%, against a statewide median of 6.63%.
About this data. Figures are Encompass Lending Group'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