Highlands Residential Mortgage in Georgia vs the state
3.3%Denial rate-15.91 pts vs state
4.1%Decision denial rate-20.95 pts vs state
68.6%Origination rate+14.51 pts vs state
6.63%Median rate0.00 pts vs state
0.45Rate spread (pts)+0.18 pts vs state
$97kMedian applicant income
83Loans originated
4Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 101 | 63 | 5.9% | 6.75% | #314 |
| 2024 | 114 | 73 | 3.5% | 6.75% | #311 |
| 2025 | 121 | 83 | 3.3% | 6.63% | #310 |
What Highlands Residential Mortgage lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Highlands Residential Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Catoosa County | 31 | 19 | 1 | 3.2% |
| Walker County | 27 | 15 | 1 | 3.7% |
| Dade County | 10 | 7 | 1 | 10.0% |
| Whitfield County | 7 | 5 | 0 | 0.0% |
| Carroll County | 7 | 7 | 0 | 0.0% |
| Paulding County | 7 | 6 | 0 | 0.0% |
| Haralson County | 4 | 4 | 0 | 0.0% |
| Bartow County | 4 | 3 | 0 | 0.0% |
| Cobb County | 3 | 2 | 0 | 0.0% |
| DeKalb County | 3 | 3 | 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: 121 applications in 2025, of which 83 were originated and 4 denied.
3.3% of all applications, or 4.1% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Highlands Residential Mortgage originated in Georgia in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Highlands Residential 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