Luxury Mortgage in Georgia vs the state
18.2%Denial rate-1.04 pts vs state
37.5%Decision denial rate+12.43 pts vs state
30.3%Origination rate-23.79 pts vs state
7.25%Median rate+0.63 pts vs state
1.09Rate spread (pts)+0.83 pts vs state
$230kMedian applicant income
10Loans originated
6Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 8 | 6 | 12.5% | 8.00% | #702 |
| 2024 | 17 | 5 | 29.4% | 7.63% | #575 |
| 2025 | 33 | 10 | 18.2% | 7.25% | #511 |
What Luxury Mortgage lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Luxury Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fulton County | 7 | 2 | 0 | 0.0% |
| Gwinnett County | 3 | 2 | 0 | 0.0% |
| Hall County | 2 | 2 | 0 | 0.0% |
| Cherokee County | 2 | 0 | 0 | 0.0% |
| Forsyth County | 2 | 0 | 0 | 0.0% |
| Peach County | 2 | 0 | 0 | 0.0% |
| Bibb County | 1 | 0 | 1 | 100.0% |
| Ben Hill County | 1 | 0 | 0 | 0.0% |
| Upson County | 1 | 0 | 1 | 100.0% |
| Walton County | 1 | 1 | 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: 33 applications in 2025, of which 10 were originated and 6 denied.
18.2% of all applications, or 37.5% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Luxury Mortgage originated in Georgia in 2025 was 7.25%, against a statewide median of 6.63%.
About this data. Figures are Luxury Mortgage'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