Lower in Georgia vs the state
13.0%Denial rate-6.18 pts vs state
19.5%Decision denial rate-5.54 pts vs state
52.6%Origination rate-1.54 pts vs state
6.50%Median rate-0.13 pts vs state
0.31Rate spread (pts)+0.04 pts vs state
$95kMedian applicant income
846Loans originated
210Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 538 | 300 | 17.1% | 6.75% | #122 |
| 2024 | 1,493 | 853 | 13.1% | 6.63% | #57 |
| 2025 | 1,610 | 846 | 13.0% | 6.50% | #60 |
What Lower lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Lower applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fulton County | 139 | 67 | 27 | 19.4% |
| Gwinnett County | 128 | 62 | 18 | 14.1% |
| DeKalb County | 116 | 55 | 17 | 14.7% |
| Henry County | 91 | 56 | 9 | 9.9% |
| Cobb County | 80 | 40 | 9 | 11.3% |
| Clayton County | 67 | 31 | 17 | 25.4% |
| Cherokee County | 56 | 31 | 7 | 12.5% |
| Newton County | 41 | 17 | 8 | 19.5% |
| Hall County | 37 | 23 | 3 | 8.1% |
| Chatham County | 34 | 15 | 3 | 8.8% |
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: 1,610 applications in 2025, of which 846 were originated and 210 denied.
13.0% of all applications, or 19.5% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Lower originated in Georgia in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Lower'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