Freedom Mortgage in Georgia vs the state
9.1%Denial rate-10.12 pts vs state
15.0%Decision denial rate-10.04 pts vs state
42.5%Origination rate-11.63 pts vs state
6.25%Median rate-0.38 pts vs state
0.10Rate spread (pts)-0.17 pts vs state
$93kMedian applicant income
3,946Loans originated
846Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 3,214 | 1,356 | 13.6% | 6.75% | #32 |
| 2024 | 7,171 | 3,379 | 9.6% | 6.25% | #12 |
| 2025 | 9,293 | 3,946 | 9.1% | 6.25% | #8 |
What Freedom Mortgage lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Freedom Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Gwinnett County | 752 | 298 | 66 | 8.8% |
| Fulton County | 632 | 250 | 76 | 12.0% |
| Cobb County | 509 | 206 | 46 | 9.0% |
| Henry County | 451 | 194 | 34 | 7.5% |
| DeKalb County | 427 | 169 | 46 | 10.8% |
| Clayton County | 291 | 107 | 48 | 16.5% |
| Paulding County | 289 | 127 | 28 | 9.7% |
| Cherokee County | 266 | 117 | 17 | 6.4% |
| Columbia County | 262 | 123 | 16 | 6.1% |
| Chatham County | 245 | 108 | 29 | 11.8% |
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% |
| Bank of America | F | 9,168 | 36.5% | 6.24% |
| Ameris Bank | B | 8,065 | 10.1% | 6.50% |
| Newrez | D | 7,880 | 21.5% | 6.63% |
Frequently asked questions
Georgia: 9,293 applications in 2025, of which 3,946 were originated and 846 denied.
9.1% of all applications, or 15.0% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Freedom Mortgage originated in Georgia in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are Freedom 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