FlexPoint in Georgia vs the state
2.0%Denial rate-17.21 pts vs state
2.7%Decision denial rate-22.39 pts vs state
53.7%Origination rate-0.40 pts vs state
7.38%Median rate+0.75 pts vs state
1.22Rate spread (pts)+0.95 pts vs state
$173kMedian applicant income
80Loans originated
3Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 9 | 2 | 0.0% | 8.69% | #690 |
| 2024 | 93 | 59 | 2.2% | 7.25% | #348 |
| 2025 | 149 | 80 | 2.0% | 7.38% | #283 |
What FlexPoint lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most FlexPoint applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Gwinnett County | 27 | 15 | 1 | 3.7% |
| Fulton County | 20 | 7 | 0 | 0.0% |
| Chatham County | 14 | 6 | 0 | 0.0% |
| Hall County | 9 | 5 | 0 | 0.0% |
| Cobb County | 9 | 6 | 0 | 0.0% |
| Clayton County | 8 | 5 | 0 | 0.0% |
| DeKalb County | 7 | 5 | 0 | 0.0% |
| Douglas County | 6 | 2 | 0 | 0.0% |
| Cherokee County | 6 | 3 | 0 | 0.0% |
| Barrow County | 4 | 0 | 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: 149 applications in 2025, of which 80 were originated and 3 denied.
2.0% of all applications, or 2.7% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans FlexPoint originated in Georgia in 2025 was 7.38%, against a statewide median of 6.63%.
About this data. Figures are FlexPoint'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