Home Mortgage Alliance Corporation (HMAC) in Georgia vs the state
11.0%Denial rate-8.20 pts vs state
16.5%Decision denial rate-8.60 pts vs state
50.4%Origination rate-3.70 pts vs state
6.88%Median rate+0.25 pts vs state
0.68Rate spread (pts)+0.41 pts vs state
$106kMedian applicant income
64Loans originated
14Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 79 | 28 | 12.7% | 7.56% | #360 |
| 2024 | 184 | 106 | 3.3% | 7.75% | #244 |
| 2025 | 127 | 64 | 11.0% | 6.88% | #304 |
What Home Mortgage Alliance Corporation (HMAC) lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Home Mortgage Alliance Corporation (HMAC) applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Gwinnett County | 29 | 20 | 0 | 0.0% |
| DeKalb County | 24 | 7 | 4 | 16.7% |
| Fulton County | 13 | 9 | 0 | 0.0% |
| Cobb County | 11 | 7 | 2 | 18.2% |
| Clayton County | 6 | 3 | 1 | 16.7% |
| Henry County | 6 | 4 | 0 | 0.0% |
| Rockdale County | 4 | 3 | 0 | 0.0% |
| Fayette County | 4 | 2 | 1 | 25.0% |
| Paulding County | 4 | 1 | 0 | 0.0% |
| Cherokee County | 3 | 1 | 1 | 33.3% |
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 64 were originated and 14 denied.
11.0% of all applications, or 16.5% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Home Mortgage Alliance Corporation (HMAC) originated in Georgia in 2025 was 6.88%, against a statewide median of 6.63%.
About this data. Figures are Home Mortgage Alliance Corporation (HMAC)'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