Georgia'S Own in Georgia vs the state
28.5%Denial rate+9.28 pts vs state
42.8%Decision denial rate+17.68 pts vs state
35.3%Origination rate-18.78 pts vs state
7.25%Median rate+0.63 pts vs state
0.04Rate spread (pts)-0.23 pts vs state
$120kMedian applicant income
1,374Loans originated
1,109Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 3,227 | 1,054 | 36.0% | 8.80% | #31 |
| 2024 | 3,414 | 1,150 | 36.4% | 8.75% | #32 |
| 2025 | 3,891 | 1,374 | 28.5% | 7.25% | #25 |
What Georgia'S Own lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Georgia'S Own applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fulton County | 572 | 200 | 151 | 26.4% |
| Gwinnett County | 525 | 169 | 164 | 31.2% |
| Cobb County | 389 | 168 | 83 | 21.3% |
| DeKalb County | 338 | 119 | 107 | 31.7% |
| Forsyth County | 278 | 127 | 45 | 16.2% |
| Cherokee County | 144 | 52 | 30 | 20.8% |
| Clayton County | 94 | 25 | 44 | 46.8% |
| Douglas County | 85 | 25 | 26 | 30.6% |
| Chatham County | 81 | 24 | 25 | 30.9% |
| Hall County | 79 | 37 | 17 | 21.5% |
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: 3,891 applications in 2025, of which 1,374 were originated and 1,109 denied.
28.5% of all applications, or 42.8% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Georgia'S Own originated in Georgia in 2025 was 7.25%, against a statewide median of 6.63%.
About this data. Figures are Georgia'S Own'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