Loan Simple in Georgia vs the state
8.9%Denial rate-10.32 pts vs state
14.4%Decision denial rate-10.63 pts vs state
52.7%Origination rate-1.35 pts vs state
6.99%Median rate+0.37 pts vs state
1.15Rate spread (pts)+0.88 pts vs state
$88kMedian applicant income
77Loans originated
13Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 194 | 101 | 10.3% | 6.88% | #229 |
| 2024 | 158 | 82 | 5.1% | 7.13% | #262 |
| 2025 | 146 | 77 | 8.9% | 6.99% | #289 |
What Loan Simple lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Loan Simple applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| DeKalb County | 17 | 8 | 2 | 11.8% |
| Clayton County | 13 | 3 | 2 | 15.4% |
| Fulton County | 7 | 5 | 1 | 14.3% |
| Henry County | 5 | 3 | 1 | 20.0% |
| Cobb County | 5 | 3 | 0 | 0.0% |
| Polk County | 5 | 2 | 0 | 0.0% |
| Walton County | 4 | 1 | 1 | 25.0% |
| Catoosa County | 4 | 0 | 0 | 0.0% |
| Douglas County | 4 | 2 | 1 | 25.0% |
| Gwinnett County | 4 | 2 | 1 | 25.0% |
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: 146 applications in 2025, of which 77 were originated and 13 denied.
8.9% of all applications, or 14.4% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Loan Simple originated in Georgia in 2025 was 6.99%, against a statewide median of 6.63%.
About this data. Figures are Loan Simple'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