Flagstar Bank in Georgia vs the state
30.0%Denial rate+10.80 pts vs state
35.0%Decision denial rate+9.89 pts vs state
54.6%Origination rate+0.50 pts vs state
6.38%Median rate-0.25 pts vs state
0.13Rate spread (pts)-0.14 pts vs state
$108kMedian applicant income
351Loans originated
193Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,680 | 1,618 | 21.5% | 6.97% | #39 |
| 2024 | 2,337 | 1,430 | 23.9% | 6.63% | #44 |
| 2025 | 643 | 351 | 30.0% | 6.38% | #129 |
What Flagstar Bank lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Flagstar Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fulton County | 77 | 37 | 24 | 31.2% |
| Cobb County | 69 | 41 | 15 | 21.7% |
| DeKalb County | 40 | 23 | 13 | 32.5% |
| Gwinnett County | 34 | 12 | 13 | 38.2% |
| Cherokee County | 27 | 14 | 9 | 33.3% |
| Chatham County | 21 | 13 | 6 | 28.6% |
| Bartow County | 21 | 7 | 10 | 47.6% |
| Lee County | 19 | 16 | 3 | 15.8% |
| Forsyth County | 19 | 9 | 5 | 26.3% |
| Richmond County | 14 | 10 | 3 | 21.4% |
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: 643 applications in 2025, of which 351 were originated and 193 denied.
30.0% of all applications, or 35.0% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Flagstar Bank originated in Georgia in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are Flagstar Bank'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