Guild Mortgage in Georgia vs the state
5.2%Denial rate-13.99 pts vs state
6.4%Decision denial rate-18.70 pts vs state
70.5%Origination rate+16.36 pts vs state
6.25%Median rate-0.38 pts vs state
0.19Rate spread (pts)-0.08 pts vs state
$89kMedian applicant income
3,788Loans originated
281Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,862 | 1,211 | 6.1% | 6.63% | #48 |
| 2024 | 4,265 | 2,974 | 4.9% | 6.50% | #23 |
| 2025 | 5,377 | 3,788 | 5.2% | 6.25% | #18 |
What Guild Mortgage lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Guild Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Houston County | 396 | 293 | 11 | 2.8% |
| Henry County | 390 | 259 | 23 | 5.9% |
| Fulton County | 383 | 245 | 32 | 8.4% |
| Richmond County | 298 | 191 | 29 | 9.7% |
| Clayton County | 277 | 188 | 18 | 6.5% |
| Columbia County | 275 | 204 | 8 | 2.9% |
| Chatham County | 239 | 161 | 17 | 7.1% |
| Gwinnett County | 225 | 166 | 11 | 4.9% |
| DeKalb County | 192 | 119 | 11 | 5.7% |
| Coweta County | 161 | 126 | 3 | 1.9% |
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: 5,377 applications in 2025, of which 3,788 were originated and 281 denied.
5.2% of all applications, or 6.4% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Guild Mortgage originated in Georgia in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are Guild Mortgage'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