Georgia United in Georgia vs the state
35.5%Denial rate+16.30 pts vs state
40.5%Decision denial rate+15.47 pts vs state
51.3%Origination rate-2.80 pts vs state
7.38%Median rate+0.75 pts vs state
0.20Rate spread (pts)-0.07 pts vs state
$97kMedian applicant income
1,636Loans originated
1,133Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,713 | 1,538 | 25.8% | 8.25% | #38 |
| 2024 | 2,846 | 1,621 | 30.7% | 8.38% | #36 |
| 2025 | 3,190 | 1,636 | 35.5% | 7.38% | #33 |
What Georgia United lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Georgia United applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| DeKalb County | 521 | 258 | 199 | 38.2% |
| Gwinnett County | 344 | 166 | 131 | 38.1% |
| Fulton County | 285 | 154 | 85 | 29.8% |
| Whitfield County | 229 | 130 | 79 | 34.5% |
| Forsyth County | 212 | 135 | 57 | 26.9% |
| Henry County | 156 | 64 | 66 | 42.3% |
| Cobb County | 139 | 83 | 38 | 27.3% |
| Newton County | 112 | 54 | 44 | 39.3% |
| Clarke County | 94 | 59 | 21 | 22.3% |
| Rockdale County | 90 | 35 | 43 | 47.8% |
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% |
| 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: 3,190 applications in 2025, of which 1,636 were originated and 1,133 denied.
35.5% of all applications, or 40.5% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Georgia United originated in Georgia in 2025 was 7.38%, against a statewide median of 6.63%.
About this data. Figures are Georgia United'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