Guaranty Mortgage Services in Georgia vs the state
0.7%Denial rate-18.55 pts vs state
0.9%Decision denial rate-24.21 pts vs state
77.2%Origination rate+23.09 pts vs state
6.75%Median rate+0.13 pts vs state
0.38Rate spread (pts)+0.11 pts vs state
$136kMedian applicant income
115Loans originated
1Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 160 | 105 | 1.3% | 6.88% | #253 |
| 2024 | 175 | 120 | 2.3% | 6.88% | #249 |
| 2025 | 149 | 115 | 0.7% | 6.75% | #282 |
What Guaranty Mortgage Services lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Guaranty Mortgage Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Gwinnett County | 39 | 31 | 1 | 2.6% |
| Hall County | 26 | 21 | 0 | 0.0% |
| Jackson County | 15 | 10 | 0 | 0.0% |
| Walton County | 10 | 8 | 0 | 0.0% |
| Walker County | 7 | 4 | 0 | 0.0% |
| Fulton County | 6 | 3 | 0 | 0.0% |
| Newton County | 6 | 6 | 0 | 0.0% |
| Forsyth County | 6 | 4 | 0 | 0.0% |
| DeKalb County | 5 | 5 | 0 | 0.0% |
| Catoosa County | 5 | 2 | 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: 149 applications in 2025, of which 115 were originated and 1 denied.
0.7% of all applications, or 0.9% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Guaranty Mortgage Services originated in Georgia in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are Guaranty Mortgage Services'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