Liberty Home Mortgage in Georgia vs the state
15.2%Denial rate-4.07 pts vs state
23.1%Decision denial rate-1.99 pts vs state
50.5%Origination rate-3.58 pts vs state
7.06%Median rate+0.44 pts vs state
1.15Rate spread (pts)+0.88 pts vs state
$71kMedian applicant income
50Loans originated
15Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 196 | 84 | 16.8% | 7.13% | #228 |
| 2024 | 138 | 75 | 11.6% | 7.13% | #277 |
| 2025 | 99 | 50 | 15.2% | 7.06% | #338 |
What Liberty Home Mortgage lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Liberty Home Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bibb County | 9 | 5 | 2 | 22.2% |
| Fulton County | 7 | 3 | 1 | 14.3% |
| Muscogee County | 5 | 2 | 0 | 0.0% |
| Peach County | 5 | 2 | 0 | 0.0% |
| Cobb County | 4 | 2 | 1 | 25.0% |
| Houston County | 4 | 1 | 2 | 50.0% |
| Chattooga County | 4 | 1 | 1 | 25.0% |
| Effingham County | 3 | 3 | 0 | 0.0% |
| Chatham County | 3 | 2 | 1 | 33.3% |
| Crawford County | 3 | 1 | 1 | 33.3% |
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: 99 applications in 2025, of which 50 were originated and 15 denied.
15.2% 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 Liberty Home Mortgage originated in Georgia in 2025 was 7.06%, against a statewide median of 6.63%.
About this data. Figures are Liberty Home Mortgage'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