Kinecta in Georgia vs the state
15.8%Denial rate-3.43 pts vs state
23.1%Decision denial rate-1.99 pts vs state
52.6%Origination rate-1.46 pts vs state
6.99%Median rate+0.37 pts vs state
0.84Rate spread (pts)+0.57 pts vs state
$132kMedian applicant income
10Loans originated
3Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 15 | 10 | 20.0% | 8.25% | #596 |
| 2024 | 13 | 6 | 23.1% | 6.99% | #610 |
| 2025 | 19 | 10 | 15.8% | 6.99% | #575 |
What Kinecta lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Kinecta applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cobb County | 5 | 3 | 0 | 0.0% |
| Gwinnett County | 4 | 3 | 1 | 25.0% |
| Henry County | 2 | 0 | 1 | 50.0% |
| Clayton County | 1 | 1 | 0 | 0.0% |
| Hancock County | 1 | 1 | 0 | 0.0% |
| Walker County | 1 | 0 | 0 | 0.0% |
| Liberty County | 1 | 1 | 0 | 0.0% |
| DeKalb County | 1 | 0 | 1 | 100.0% |
| Catoosa County | 1 | 0 | 0 | 0.0% |
| Columbia County | 1 | 1 | 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: 19 applications in 2025, of which 10 were originated and 3 denied.
15.8% of all applications, or 23.1% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Kinecta originated in Georgia in 2025 was 6.99%, against a statewide median of 6.63%.
About this data. Figures are Kinecta'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