Guaranteed Rate in Georgia vs the state
8.2%Denial rate-11.00 pts vs state
15.0%Decision denial rate-10.03 pts vs state
44.7%Origination rate-9.37 pts vs state
6.50%Median rate-0.13 pts vs state
0.23Rate spread (pts)-0.04 pts vs state
$104kMedian applicant income
1,447Loans originated
266Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 4,449 | 2,313 | 5.2% | 6.58% | #23 |
| 2024 | 3,236 | 1,917 | 7.2% | 6.63% | #34 |
| 2025 | 3,236 | 1,447 | 8.2% | 6.50% | #32 |
What Guaranteed Rate lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Guaranteed Rate applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fulton County | 344 | 125 | 28 | 8.1% |
| Gwinnett County | 305 | 141 | 26 | 8.5% |
| Cobb County | 287 | 124 | 30 | 10.5% |
| DeKalb County | 225 | 99 | 10 | 4.4% |
| Cherokee County | 101 | 49 | 6 | 5.9% |
| Paulding County | 94 | 50 | 8 | 8.5% |
| Coweta County | 85 | 52 | 5 | 5.9% |
| Forsyth County | 83 | 32 | 5 | 6.0% |
| Henry County | 79 | 43 | 5 | 6.3% |
| Clayton County | 78 | 33 | 11 | 14.1% |
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: 3,236 applications in 2025, of which 1,447 were originated and 266 denied.
8.2% of all applications, or 15.0% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Guaranteed Rate originated in Georgia in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Guaranteed Rate'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