Fair Way Lending in Georgia vs the state
2.6%Denial rate-16.59 pts vs state
2.9%Decision denial rate-22.21 pts vs state
89.5%Origination rate+35.38 pts vs state
6.81%Median rate+0.19 pts vs state
0.48Rate spread (pts)+0.21 pts vs state
$77kMedian applicant income
34Loans originated
1Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 58 | 49 | 6.9% | 7.00% | #401 |
| 2024 | 47 | 43 | 0.0% | 6.88% | #437 |
| 2025 | 38 | 34 | 2.6% | 6.81% | #482 |
What Fair Way Lending lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Fair Way Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| DeKalb County | 18 | 17 | 0 | 0.0% |
| Gwinnett County | 16 | 15 | 1 | 6.3% |
| Cobb County | 2 | 1 | 0 | 0.0% |
| Fulton County | 1 | 0 | 0 | 0.0% |
| Walton 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: 38 applications in 2025, of which 34 were originated and 1 denied.
2.6% of all applications, or 2.9% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Fair Way Lending originated in Georgia in 2025 was 6.81%, against a statewide median of 6.63%.
About this data. Figures are Fair Way Lending'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