Guidance Residential in Georgia vs the state
0.8%Denial rate-18.43 pts vs state
1.2%Decision denial rate-23.92 pts vs state
62.2%Origination rate+8.11 pts vs state
6.88%Median rate+0.25 pts vs state
0.31Rate spread (pts)+0.04 pts vs state
$147kMedian applicant income
79Loans originated
1Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 63 | 32 | 4.8% | 7.06% | #389 |
| 2024 | 92 | 49 | 6.5% | 7.13% | #350 |
| 2025 | 127 | 79 | 0.8% | 6.88% | #303 |
What Guidance Residential lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Guidance Residential applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Gwinnett County | 40 | 25 | 1 | 2.5% |
| Fulton County | 24 | 11 | 0 | 0.0% |
| Forsyth County | 13 | 9 | 0 | 0.0% |
| DeKalb County | 11 | 7 | 0 | 0.0% |
| Cobb County | 10 | 9 | 0 | 0.0% |
| Cherokee County | 7 | 4 | 0 | 0.0% |
| Houston County | 4 | 2 | 0 | 0.0% |
| Clayton County | 3 | 2 | 0 | 0.0% |
| Columbia County | 3 | 2 | 0 | 0.0% |
| Fayette County | 2 | 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: 127 applications in 2025, of which 79 were originated and 1 denied.
0.8% of all applications, or 1.2% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Guidance Residential originated in Georgia in 2025 was 6.88%, against a statewide median of 6.63%.
About this data. Figures are Guidance Residential'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