Hometown Equity Mortgage in Georgia vs the state
48.6%Denial rate+29.35 pts vs state
50.1%Decision denial rate+25.02 pts vs state
46.4%Origination rate-7.67 pts vs state
7.13%Median rate+0.50 pts vs state
0.79Rate spread (pts)+0.52 pts vs state
$136kMedian applicant income
259Loans originated
271Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 390 | 140 | 47.2% | 8.75% | #152 |
| 2024 | 391 | 191 | 49.4% | 7.75% | #161 |
| 2025 | 558 | 259 | 48.6% | 7.13% | #140 |
What Hometown Equity Mortgage lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Hometown Equity Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fulton County | 109 | 45 | 61 | 56.0% |
| Gwinnett County | 78 | 33 | 41 | 52.6% |
| DeKalb County | 57 | 23 | 28 | 49.1% |
| Cobb County | 45 | 23 | 18 | 40.0% |
| Chatham County | 28 | 23 | 5 | 17.9% |
| Clayton County | 27 | 10 | 16 | 59.3% |
| Fayette County | 14 | 4 | 10 | 71.4% |
| Bibb County | 14 | 4 | 8 | 57.1% |
| Henry County | 14 | 8 | 6 | 42.9% |
| Muscogee County | 14 | 9 | 4 | 28.6% |
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: 558 applications in 2025, of which 259 were originated and 271 denied.
48.6% of all applications, or 50.1% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Hometown Equity Mortgage originated in Georgia in 2025 was 7.13%, against a statewide median of 6.63%.
About this data. Figures are Hometown Equity Mortgage'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