Heritage Mortgage in Georgia vs the state
1.8%Denial rate-17.42 pts vs state
2.4%Decision denial rate-22.66 pts vs state
73.0%Origination rate+18.88 pts vs state
6.00%Median rate-0.63 pts vs state
-0.29Rate spread (pts)-0.56 pts vs state
$131kMedian applicant income
81Loans originated
2Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 95 | 74 | 0.0% | 6.19% | #325 |
| 2024 | 179 | 132 | 1.1% | 6.50% | #248 |
| 2025 | 111 | 81 | 1.8% | 6.00% | #322 |
What Heritage Mortgage lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Heritage Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bartow County | 26 | 21 | 0 | 0.0% |
| Cobb County | 25 | 18 | 1 | 4.0% |
| Gwinnett County | 20 | 12 | 0 | 0.0% |
| Jackson County | 18 | 15 | 0 | 0.0% |
| Paulding County | 12 | 9 | 1 | 8.3% |
| Cherokee County | 5 | 2 | 0 | 0.0% |
| Houston County | 4 | 3 | 0 | 0.0% |
| Pike County | 1 | 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: 111 applications in 2025, of which 81 were originated and 2 denied.
1.8% of all applications, or 2.4% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Heritage Mortgage originated in Georgia in 2025 was 6.00%, against a statewide median of 6.63%.
About this data. Figures are Heritage 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