Kiavi Funding in Georgia vs the state
7.2%Denial rate-12.02 pts vs state
11.4%Decision denial rate-13.63 pts vs state
54.0%Origination rate-0.06 pts vs state
10.24%Median rate+3.62 pts vs state
—Rate spread (pts)
—Median applicant income
1,388Loans originated
185Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,387 | 876 | 13.8% | 10.70% | #63 |
| 2024 | 1,863 | 1,270 | 9.9% | 11.00% | #51 |
| 2025 | 2,569 | 1,388 | 7.2% | 10.24% | #42 |
What Kiavi Funding lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Kiavi Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fulton County | 466 | 259 | 46 | 9.9% |
| DeKalb County | 265 | 159 | 27 | 10.2% |
| Muscogee County | 229 | 107 | 11 | 4.8% |
| Bibb County | 217 | 115 | 7 | 3.2% |
| Cobb County | 154 | 115 | 7 | 4.5% |
| Richmond County | 137 | 45 | 9 | 6.6% |
| Troup County | 119 | 7 | 0 | 0.0% |
| Clayton County | 114 | 77 | 13 | 11.4% |
| Spalding County | 85 | 12 | 0 | 0.0% |
| Gwinnett County | 85 | 52 | 9 | 10.6% |
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: 2,569 applications in 2025, of which 1,388 were originated and 185 denied.
7.2% of all applications, or 11.4% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Kiavi Funding originated in Georgia in 2025 was 10.24%, against a statewide median of 6.63%.
About this data. Figures are Kiavi 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