Foundation Mortgage in Georgia vs the state
30.0%Denial rate+10.78 pts vs state
30.0%Decision denial rate+4.93 pts vs state
30.0%Origination rate-24.09 pts vs state
7.19%Median rate+0.56 pts vs state
—Rate spread (pts)
$106kMedian applicant income
6Loans originated
6Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 8 | 4 | 0.0% | 8.44% | #703 |
| 2024 | 15 | 8 | 13.3% | 7.81% | #601 |
| 2025 | 20 | 6 | 30.0% | 7.19% | #572 |
What Foundation Mortgage lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Foundation Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Gwinnett County | 4 | 2 | 0 | 0.0% |
| Fulton County | 3 | 0 | 0 | 0.0% |
| Cobb County | 2 | 1 | 1 | 50.0% |
| Fannin County | 1 | 1 | 0 | 0.0% |
| Clayton County | 1 | 0 | 1 | 100.0% |
| Irwin County | 1 | 0 | 1 | 100.0% |
| Dawson County | 1 | 0 | 1 | 100.0% |
| Butts County | 1 | 1 | 0 | 0.0% |
| Newton County | 1 | 0 | 0 | 0.0% |
| Gilmer 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: 20 applications in 2025, of which 6 were originated and 6 denied.
30.0% of all applications, or 30.0% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Foundation Mortgage originated in Georgia in 2025 was 7.19%, against a statewide median of 6.63%.
About this data. Figures are Foundation 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