Figure Lending in Georgia vs the state
27.5%Denial rate+8.27 pts vs state
29.2%Decision denial rate+4.09 pts vs state
47.8%Origination rate-6.32 pts vs state
8.85%Median rate+2.22 pts vs state
2.52Rate spread (pts)+2.25 pts vs state
$109kMedian applicant income
1,717Loans originated
988Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 3,560 | 1,617 | 30.2% | 10.91% | #29 |
| 2024 | 3,482 | 1,693 | 27.0% | 10.45% | #30 |
| 2025 | 3,594 | 1,717 | 27.5% | 8.85% | #29 |
What Figure Lending lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Figure Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Gwinnett County | 413 | 191 | 120 | 29.1% |
| Fulton County | 397 | 193 | 105 | 26.4% |
| Cobb County | 291 | 152 | 86 | 29.6% |
| DeKalb County | 229 | 90 | 67 | 29.3% |
| Cherokee County | 152 | 76 | 40 | 26.3% |
| Forsyth County | 142 | 77 | 29 | 20.4% |
| Chatham County | 95 | 38 | 32 | 33.7% |
| Henry County | 93 | 34 | 28 | 30.1% |
| Hall County | 91 | 49 | 18 | 19.8% |
| Paulding County | 86 | 42 | 19 | 22.1% |
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: 3,594 applications in 2025, of which 1,717 were originated and 988 denied.
27.5% of all applications, or 29.2% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Figure Lending originated in Georgia in 2025 was 8.85%, against a statewide median of 6.63%.
About this data. Figures are Figure 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