Member First Mortgage in Georgia vs the state
18.8%Denial rate-0.39 pts vs state
35.4%Decision denial rate+10.30 pts vs state
31.6%Origination rate-22.49 pts vs state
6.38%Median rate-0.25 pts vs state
0.21Rate spread (pts)-0.06 pts vs state
$86kMedian applicant income
146Loans originated
87Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 400 | 143 | 20.0% | 6.63% | #147 |
| 2024 | 387 | 132 | 18.6% | 6.50% | #162 |
| 2025 | 462 | 146 | 18.8% | 6.38% | #160 |
What Member First Mortgage lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Member First Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Floyd County | 48 | 16 | 14 | 29.2% |
| Polk County | 40 | 23 | 5 | 12.5% |
| Bartow County | 37 | 25 | 4 | 10.8% |
| Fulton County | 28 | 6 | 10 | 35.7% |
| Gwinnett County | 24 | 4 | 4 | 16.7% |
| Cobb County | 23 | 5 | 3 | 13.0% |
| DeKalb County | 21 | 1 | 3 | 14.3% |
| Chatham County | 18 | 4 | 2 | 11.1% |
| Walton County | 13 | 2 | 1 | 7.7% |
| Forsyth County | 9 | 3 | 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: 462 applications in 2025, of which 146 were originated and 87 denied.
18.8% of all applications, or 35.4% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Member First Mortgage originated in Georgia in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are Member First 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