Homeowners Financial Group USA in Georgia vs the state
4.0%Denial rate-15.21 pts vs state
5.7%Decision denial rate-19.40 pts vs state
66.8%Origination rate+12.71 pts vs state
6.50%Median rate-0.13 pts vs state
0.24Rate spread (pts)-0.03 pts vs state
$110kMedian applicant income
982Loans originated
59Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,584 | 1,040 | 4.7% | 6.75% | #55 |
| 2024 | 1,356 | 934 | 4.5% | 6.63% | #66 |
| 2025 | 1,470 | 982 | 4.0% | 6.50% | #66 |
What Homeowners Financial Group USA lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Homeowners Financial Group USA applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cobb County | 173 | 110 | 6 | 3.5% |
| Cherokee County | 126 | 93 | 5 | 4.0% |
| Gwinnett County | 105 | 64 | 8 | 7.6% |
| Fulton County | 93 | 55 | 6 | 6.5% |
| Hall County | 82 | 57 | 0 | 0.0% |
| Paulding County | 71 | 53 | 2 | 2.8% |
| DeKalb County | 69 | 42 | 5 | 7.2% |
| Habersham County | 60 | 43 | 2 | 3.3% |
| Forsyth County | 55 | 40 | 3 | 5.5% |
| Jackson County | 48 | 34 | 1 | 2.1% |
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: 1,470 applications in 2025, of which 982 were originated and 59 denied.
4.0% of all applications, or 5.7% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Homeowners Financial Group USA originated in Georgia in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Homeowners Financial Group USA'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