Home Loan Investment Bank in Georgia vs the state
50.0%Denial rate+30.78 pts vs state
87.5%Decision denial rate+62.43 pts vs state
7.1%Origination rate-46.95 pts vs state
7.50%Median rate+0.88 pts vs state
3.68Rate spread (pts)+3.41 pts vs state
$96kMedian applicant income
1Loans originated
7Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 49 | 15 | 34.7% | 9.72% | #427 |
| 2024 | 40 | 11 | 35.0% | 7.95% | #457 |
| 2025 | 14 | 1 | 50.0% | 7.50% | #622 |
What Home Loan Investment Bank lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Home Loan Investment Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fulton County | 2 | 0 | 2 | 100.0% |
| Gwinnett County | 2 | 0 | 2 | 100.0% |
| Bibb County | 1 | 0 | 1 | 100.0% |
| Early County | 1 | 0 | 0 | 0.0% |
| Richmond County | 1 | 0 | 1 | 100.0% |
| Brantley County | 1 | 0 | 0 | 0.0% |
| Laurens County | 1 | 0 | 0 | 0.0% |
| Fayette County | 1 | 1 | 0 | 0.0% |
| Clayton County | 1 | 0 | 0 | 0.0% |
| Colquitt County | 1 | 0 | 1 | 100.0% |
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: 14 applications in 2025, of which 1 were originated and 7 denied.
50.0% of all applications, or 87.5% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Home Loan Investment Bank originated in Georgia in 2025 was 7.50%, against a statewide median of 6.63%.
About this data. Figures are Home Loan Investment Bank'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