Envoy Mortgage in Georgia vs the state
4.5%Denial rate-14.75 pts vs state
6.4%Decision denial rate-18.63 pts vs state
64.6%Origination rate+10.51 pts vs state
6.50%Median rate-0.13 pts vs state
0.32Rate spread (pts)+0.05 pts vs state
$98kMedian applicant income
188Loans originated
13Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 104 | 70 | 1.0% | 6.63% | #308 |
| 2024 | 122 | 71 | 5.7% | 6.63% | #300 |
| 2025 | 291 | 188 | 4.5% | 6.50% | #204 |
What Envoy Mortgage lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Envoy Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fulton County | 42 | 29 | 2 | 4.8% |
| Cobb County | 40 | 27 | 3 | 7.5% |
| Cherokee County | 28 | 16 | 1 | 3.6% |
| Gwinnett County | 20 | 14 | 0 | 0.0% |
| DeKalb County | 17 | 9 | 0 | 0.0% |
| Coweta County | 14 | 11 | 1 | 7.1% |
| Floyd County | 9 | 5 | 0 | 0.0% |
| Forsyth County | 9 | 7 | 0 | 0.0% |
| Douglas County | 8 | 5 | 1 | 12.5% |
| Polk County | 8 | 3 | 1 | 12.5% |
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: 291 applications in 2025, of which 188 were originated and 13 denied.
4.5% of all applications, or 6.4% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Envoy Mortgage originated in Georgia in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Envoy Mortgage'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