Guaranteed Rate Affinity in Georgia vs the state
7.6%Denial rate-11.60 pts vs state
11.5%Decision denial rate-13.59 pts vs state
56.6%Origination rate+2.53 pts vs state
6.63%Median rate0.00 pts vs state
0.42Rate spread (pts)+0.15 pts vs state
$109kMedian applicant income
624Loans originated
84Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 876 | 463 | 6.7% | 6.63% | #89 |
| 2024 | 846 | 474 | 9.5% | 6.88% | #92 |
| 2025 | 1,102 | 624 | 7.6% | 6.63% | #87 |
What Guaranteed Rate Affinity lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Guaranteed Rate Affinity applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| DeKalb County | 163 | 85 | 15 | 9.2% |
| Fulton County | 161 | 78 | 15 | 9.3% |
| Cobb County | 145 | 86 | 4 | 2.8% |
| Gwinnett County | 103 | 56 | 15 | 14.6% |
| Cherokee County | 54 | 28 | 10 | 18.5% |
| Clayton County | 52 | 20 | 4 | 7.7% |
| Henry County | 49 | 23 | 2 | 4.1% |
| Paulding County | 38 | 21 | 3 | 7.9% |
| Forsyth County | 32 | 23 | 3 | 9.4% |
| Hall County | 30 | 20 | 1 | 3.3% |
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: 1,102 applications in 2025, of which 624 were originated and 84 denied.
7.6% of all applications, or 11.5% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Guaranteed Rate Affinity originated in Georgia in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Guaranteed Rate Affinity'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