Homexpress Mortgage in Georgia vs the state
47.9%Denial rate+28.66 pts vs state
48.0%Decision denial rate+22.91 pts vs state
51.3%Origination rate-2.78 pts vs state
7.50%Median rate+0.88 pts vs state
1.36Rate spread (pts)+1.09 pts vs state
$196kMedian applicant income
254Loans originated
237Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 302 | 165 | 43.7% | 8.50% | #174 |
| 2024 | 414 | 213 | 46.9% | 8.00% | #155 |
| 2025 | 495 | 254 | 47.9% | 7.50% | #153 |
What Homexpress Mortgage lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Homexpress Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fulton County | 145 | 60 | 84 | 57.9% |
| Gwinnett County | 43 | 27 | 16 | 37.2% |
| DeKalb County | 39 | 17 | 21 | 53.8% |
| Cobb County | 33 | 15 | 17 | 51.5% |
| Clayton County | 24 | 10 | 14 | 58.3% |
| Rockdale County | 14 | 9 | 5 | 35.7% |
| Chatham County | 13 | 9 | 4 | 30.8% |
| Henry County | 11 | 5 | 6 | 54.5% |
| Forsyth County | 10 | 8 | 2 | 20.0% |
| Muscogee County | 9 | 4 | 5 | 55.6% |
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: 495 applications in 2025, of which 254 were originated and 237 denied.
47.9% of all applications, or 48.0% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Homexpress Mortgage originated in Georgia in 2025 was 7.50%, against a statewide median of 6.63%.
About this data. Figures are Homexpress 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