Jmac Lending in Georgia vs the state
5.2%Denial rate-14.06 pts vs state
7.9%Decision denial rate-17.21 pts vs state
60.6%Origination rate+6.47 pts vs state
6.63%Median rate0.00 pts vs state
0.53Rate spread (pts)+0.26 pts vs state
$110kMedian applicant income
129Loans originated
11Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 102 | 64 | 8.8% | 6.88% | #311 |
| 2024 | 171 | 101 | 7.6% | 6.75% | #253 |
| 2025 | 213 | 129 | 5.2% | 6.63% | #238 |
What Jmac Lending lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Jmac Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fulton County | 20 | 11 | 1 | 5.0% |
| Gwinnett County | 18 | 8 | 0 | 0.0% |
| DeKalb County | 18 | 12 | 2 | 11.1% |
| Chatham County | 17 | 9 | 1 | 5.9% |
| Cobb County | 17 | 14 | 0 | 0.0% |
| Henry County | 10 | 2 | 2 | 20.0% |
| Clayton County | 10 | 6 | 0 | 0.0% |
| Cherokee County | 8 | 8 | 0 | 0.0% |
| Hall County | 8 | 7 | 0 | 0.0% |
| Forsyth County | 6 | 2 | 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: 213 applications in 2025, of which 129 were originated and 11 denied.
5.2% of all applications, or 7.9% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Jmac Lending originated in Georgia in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Jmac Lending'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