General Mortgage Capital in Georgia vs the state
0.6%Denial rate-18.66 pts vs state
0.6%Decision denial rate-24.43 pts vs state
85.3%Origination rate+31.19 pts vs state
6.50%Median rate-0.13 pts vs state
0.06Rate spread (pts)-0.21 pts vs state
$142kMedian applicant income
307Loans originated
2Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 68 | 57 | 1.5% | 6.99% | #377 |
| 2024 | 335 | 286 | 0.3% | 6.88% | #175 |
| 2025 | 360 | 307 | 0.6% | 6.50% | #184 |
What General Mortgage Capital lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most General Mortgage Capital applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Gwinnett County | 114 | 95 | 1 | 0.9% |
| Fulton County | 45 | 39 | 0 | 0.0% |
| Chatham County | 27 | 23 | 1 | 3.7% |
| DeKalb County | 21 | 19 | 0 | 0.0% |
| Cobb County | 19 | 17 | 0 | 0.0% |
| Forsyth County | 18 | 17 | 0 | 0.0% |
| Cherokee County | 18 | 17 | 0 | 0.0% |
| Whitfield County | 18 | 15 | 0 | 0.0% |
| Liberty County | 12 | 11 | 0 | 0.0% |
| Columbia County | 11 | 11 | 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: 360 applications in 2025, of which 307 were originated and 2 denied.
0.6% of all applications, or 0.6% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans General Mortgage Capital originated in Georgia in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are General Mortgage Capital'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