Kind Lending in Georgia vs the state
23.4%Denial rate+4.15 pts vs state
26.2%Decision denial rate+1.12 pts vs state
65.0%Origination rate+10.88 pts vs state
6.63%Median rate0.00 pts vs state
0.27Rate spread (pts)0.00 pts vs state
$117kMedian applicant income
1,421Loans originated
511Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 648 | 397 | 22.8% | 6.75% | #105 |
| 2024 | 1,474 | 963 | 21.4% | 6.63% | #59 |
| 2025 | 2,187 | 1,421 | 23.4% | 6.63% | #50 |
What Kind Lending lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Kind Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cobb County | 234 | 152 | 52 | 22.2% |
| Fulton County | 215 | 125 | 69 | 32.1% |
| Gwinnett County | 167 | 112 | 39 | 23.4% |
| DeKalb County | 118 | 64 | 31 | 26.3% |
| Cherokee County | 117 | 90 | 19 | 16.2% |
| Chatham County | 76 | 50 | 17 | 22.4% |
| Paulding County | 74 | 57 | 11 | 14.9% |
| Henry County | 67 | 41 | 10 | 14.9% |
| Forsyth County | 48 | 29 | 12 | 25.0% |
| Glynn County | 47 | 34 | 11 | 23.4% |
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: 2,187 applications in 2025, of which 1,421 were originated and 511 denied.
23.4% of all applications, or 26.2% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Kind Lending originated in Georgia in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Kind 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