HomePromise in Georgia vs the state
43.5%Denial rate+24.23 pts vs state
88.7%Decision denial rate+63.66 pts vs state
5.5%Origination rate-48.57 pts vs state
7.38%Median rate+0.75 pts vs state
0.53Rate spread (pts)+0.26 pts vs state
$91kMedian applicant income
8Loans originated
63Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 175 | 13 | 54.9% | 7.50% | #245 |
| 2024 | 126 | 4 | 51.6% | 7.50% | #296 |
| 2025 | 145 | 8 | 43.5% | 7.38% | #290 |
What HomePromise lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most HomePromise applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fulton County | 11 | 0 | 6 | 54.5% |
| DeKalb County | 11 | 0 | 5 | 45.5% |
| Richmond County | 9 | 2 | 4 | 44.4% |
| Liberty County | 9 | 0 | 5 | 55.6% |
| Clayton County | 7 | 1 | 2 | 28.6% |
| Chatham County | 5 | 0 | 3 | 60.0% |
| Henry County | 5 | 0 | 3 | 60.0% |
| Gwinnett County | 5 | 1 | 3 | 60.0% |
| Fayette County | 5 | 0 | 1 | 20.0% |
| Camden County | 5 | 1 | 1 | 20.0% |
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: 145 applications in 2025, of which 8 were originated and 63 denied.
43.5% of all applications, or 88.7% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans HomePromise originated in Georgia in 2025 was 7.38%, against a statewide median of 6.63%.
About this data. Figures are HomePromise'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