Lima One Capital in Georgia vs the state
20.2%Denial rate+0.96 pts vs state
25.1%Decision denial rate+0.07 pts vs state
60.1%Origination rate+6.00 pts vs state
9.50%Median rate+2.88 pts vs state
—Rate spread (pts)
—Median applicant income
131Loans originated
44Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 248 | 248 | 0.0% | 10.00% | #195 |
| 2024 | 499 | 326 | 18.2% | 9.60% | #143 |
| 2025 | 218 | 131 | 20.2% | 9.50% | #235 |
What Lima One Capital lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Lima One Capital applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fulton County | 51 | 23 | 16 | 31.4% |
| DeKalb County | 36 | 23 | 6 | 16.7% |
| Richmond County | 18 | 15 | 0 | 0.0% |
| Bibb County | 14 | 8 | 3 | 21.4% |
| Chatham County | 12 | 4 | 4 | 33.3% |
| Muscogee County | 10 | 6 | 0 | 0.0% |
| Cobb County | 10 | 6 | 3 | 30.0% |
| Gwinnett County | 8 | 4 | 0 | 0.0% |
| Camden County | 7 | 6 | 1 | 14.3% |
| Banks County | 7 | 7 | 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: 218 applications in 2025, of which 131 were originated and 44 denied.
20.2% of all applications, or 25.1% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Lima One Capital originated in Georgia in 2025 was 9.50%, against a statewide median of 6.63%.
About this data. Figures are Lima One Capital'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