Liberty in Georgia vs the state
4.7%Denial rate-14.55 pts vs state
5.8%Decision denial rate-19.32 pts vs state
76.3%Origination rate+22.23 pts vs state
6.75%Median rate+0.13 pts vs state
0.25Rate spread (pts)-0.02 pts vs state
$144kMedian applicant income
245Loans originated
15Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 26 | 17 | 15.4% | 6.75% | #519 |
| 2024 | 206 | 150 | 7.8% | 7.13% | #230 |
| 2025 | 321 | 245 | 4.7% | 6.75% | #194 |
What Liberty lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Liberty applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fulton County | 36 | 20 | 2 | 5.6% |
| Cobb County | 26 | 19 | 3 | 11.5% |
| Carroll County | 23 | 20 | 2 | 8.7% |
| DeKalb County | 20 | 15 | 0 | 0.0% |
| Cherokee County | 16 | 12 | 0 | 0.0% |
| Douglas County | 12 | 9 | 0 | 0.0% |
| Forsyth County | 11 | 8 | 1 | 9.1% |
| Bartow County | 10 | 7 | 0 | 0.0% |
| Gwinnett County | 9 | 5 | 0 | 0.0% |
| Haralson County | 8 | 7 | 1 | 12.5% |
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: 321 applications in 2025, of which 245 were originated and 15 denied.
4.7% of all applications, or 5.8% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Liberty originated in Georgia in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are Liberty'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