Filo Mortgage in Georgia vs the state
5.2%Denial rate-14.07 pts vs state
9.3%Decision denial rate-15.75 pts vs state
43.6%Origination rate-10.45 pts vs state
6.49%Median rate-0.13 pts vs state
0.14Rate spread (pts)-0.13 pts vs state
$126kMedian applicant income
127Loans originated
15Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 243 | 88 | 5.8% | 6.31% | #200 |
| 2024 | 271 | 131 | 3.0% | 6.25% | #202 |
| 2025 | 291 | 127 | 5.2% | 6.49% | #203 |
What Filo Mortgage lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Filo Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cobb County | 33 | 16 | 1 | 3.0% |
| Fulton County | 31 | 13 | 1 | 3.2% |
| Gwinnett County | 27 | 14 | 3 | 11.1% |
| Forsyth County | 17 | 3 | 0 | 0.0% |
| DeKalb County | 15 | 4 | 2 | 13.3% |
| Columbia County | 10 | 1 | 0 | 0.0% |
| Cherokee County | 8 | 5 | 0 | 0.0% |
| Walton County | 7 | 7 | 0 | 0.0% |
| Coweta County | 7 | 5 | 0 | 0.0% |
| Chatham County | 7 | 4 | 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: 291 applications in 2025, of which 127 were originated and 15 denied.
5.2% of all applications, or 9.3% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Filo Mortgage originated in Georgia in 2025 was 6.49%, against a statewide median of 6.63%.
About this data. Figures are Filo 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