Lument Real Estate Capital in Georgia vs the state
14.3%Denial rate-4.93 pts vs state
18.2%Decision denial rate-6.89 pts vs state
64.3%Origination rate+10.20 pts vs state
5.90%Median rate-0.72 pts vs state
—Rate spread (pts)
—Median applicant income
9Loans originated
2Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 17 | 14 | 0.0% | 0.06% | #578 |
| 2024 | 22 | 14 | 13.6% | 6.01% | #549 |
| 2025 | 14 | 9 | 14.3% | 5.90% | #623 |
What Lument Real Estate Capital lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Lument Real Estate Capital applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fulton County | 2 | 2 | 0 | 0.0% |
| Camden County | 2 | 1 | 0 | 0.0% |
| Bibb County | 1 | 1 | 0 | 0.0% |
| Richmond County | 1 | 1 | 0 | 0.0% |
| Glynn County | 1 | 0 | 1 | 100.0% |
| Clarke County | 1 | 0 | 0 | 0.0% |
| Troup County | 1 | 1 | 0 | 0.0% |
| Lowndes County | 1 | 1 | 0 | 0.0% |
| Henry County | 1 | 1 | 0 | 0.0% |
| Cobb County | 1 | 0 | 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: 14 applications in 2025, of which 9 were originated and 2 denied.
14.3% of all applications, or 18.2% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Lument Real Estate Capital originated in Georgia in 2025 was 5.90%, against a statewide median of 6.63%.
About this data. Figures are Lument Real Estate 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