Gershman Investment in Georgia vs the state
15.4%Denial rate-3.84 pts vs state
25.0%Decision denial rate-0.07 pts vs state
46.2%Origination rate-7.94 pts vs state
6.50%Median rate-0.13 pts vs state
-0.05Rate spread (pts)-0.32 pts vs state
$91kMedian applicant income
6Loans originated
2Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 11 | 8 | 18.2% | 6.75% | #640 |
| 2024 | 9 | 6 | 0.0% | 6.38% | #658 |
| 2025 | 13 | 6 | 15.4% | 6.50% | #629 |
What Gershman Investment lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Gershman Investment applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Barrow County | 2 | 1 | 0 | 0.0% |
| Dougherty County | 2 | 0 | 1 | 50.0% |
| Mitchell County | 2 | 0 | 1 | 50.0% |
| Fannin County | 2 | 1 | 0 | 0.0% |
| Walton County | 1 | 1 | 0 | 0.0% |
| Murray County | 1 | 0 | 0 | 0.0% |
| Muscogee County | 1 | 1 | 0 | 0.0% |
| Union County | 1 | 1 | 0 | 0.0% |
| Houston 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: 13 applications in 2025, of which 6 were originated and 2 denied.
15.4% of all applications, or 25.0% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Gershman Investment originated in Georgia in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Gershman Investment'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