Homestead Funding in Georgia vs the state
2.6%Denial rate-16.66 pts vs state
4.4%Decision denial rate-20.72 pts vs state
56.4%Origination rate+2.32 pts vs state
5.93%Median rate-0.69 pts vs state
-0.37Rate spread (pts)-0.64 pts vs state
$150kMedian applicant income
22Loans originated
1Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 36 | 17 | 8.3% | 6.50% | #463 |
| 2024 | 32 | 18 | 6.3% | 6.50% | #496 |
| 2025 | 39 | 22 | 2.6% | 5.93% | #473 |
What Homestead Funding lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Homestead Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cobb County | 8 | 5 | 0 | 0.0% |
| Gwinnett County | 5 | 3 | 1 | 20.0% |
| Fulton County | 4 | 2 | 0 | 0.0% |
| Cherokee County | 3 | 2 | 0 | 0.0% |
| Forsyth County | 3 | 1 | 0 | 0.0% |
| Douglas County | 2 | 0 | 0 | 0.0% |
| Paulding County | 2 | 1 | 0 | 0.0% |
| Bibb County | 1 | 1 | 0 | 0.0% |
| Irwin County | 1 | 1 | 0 | 0.0% |
| Chatham County | 1 | 0 | 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: 39 applications in 2025, of which 22 were originated and 1 denied.
2.6% of all applications, or 4.4% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Homestead Funding originated in Georgia in 2025 was 5.93%, against a statewide median of 6.63%.
About this data. Figures are Homestead Funding'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