Lendingone in Georgia vs the state
16.9%Denial rate-2.36 pts vs state
46.0%Decision denial rate+20.94 pts vs state
19.8%Origination rate-34.30 pts vs state
7.45%Median rate+0.83 pts vs state
—Rate spread (pts)
—Median applicant income
284Loans originated
242Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 651 | 220 | 53.2% | 7.87% | #103 |
| 2024 | 603 | 286 | 40.0% | 8.97% | #127 |
| 2025 | 1,435 | 284 | 16.9% | 7.45% | #70 |
What Lendingone lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Lendingone applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fulton County | 312 | 31 | 40 | 12.8% |
| Cobb County | 186 | 75 | 24 | 12.9% |
| DeKalb County | 168 | 16 | 29 | 17.3% |
| Chatham County | 101 | 30 | 24 | 23.8% |
| Clayton County | 56 | 15 | 14 | 25.0% |
| Gwinnett County | 55 | 8 | 5 | 9.1% |
| Richmond County | 47 | 15 | 12 | 25.5% |
| Muscogee County | 35 | 3 | 7 | 20.0% |
| Bibb County | 35 | 8 | 8 | 22.9% |
| Henry County | 27 | 0 | 3 | 11.1% |
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: 1,435 applications in 2025, of which 284 were originated and 242 denied.
16.9% of all applications, or 46.0% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Lendingone originated in Georgia in 2025 was 7.45%, against a statewide median of 6.63%.
About this data. Figures are Lendingone'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