Merchants Mortgage & Trust Corporation in Georgia vs the state
0.0%Denial rate-19.22 pts vs state
0.0%Decision denial rate-25.07 pts vs state
83.3%Origination rate+29.24 pts vs state
10.50%Median rate+3.88 pts vs state
—Rate spread (pts)
—Median applicant income
15Loans originated
0Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 10 | 8 | 0.0% | 10.50% | #667 |
| 2024 | 11 | 9 | 0.0% | 10.75% | #640 |
| 2025 | 18 | 15 | 0.0% | 10.50% | #582 |
What Merchants Mortgage & Trust Corporation lends in Georgia
By loan purpose
By loan type
Where in Georgia
Counties with the most Merchants Mortgage & Trust Corporation applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fulton County | 5 | 5 | 0 | 0.0% |
| DeKalb County | 4 | 2 | 0 | 0.0% |
| Cobb County | 3 | 3 | 0 | 0.0% |
| Douglas County | 2 | 2 | 0 | 0.0% |
| Gwinnett County | 1 | 1 | 0 | 0.0% |
| Clarke County | 1 | 1 | 0 | 0.0% |
| Troup County | 1 | 1 | 0 | 0.0% |
| Glynn 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: 18 applications in 2025, of which 15 were originated and 0 denied.
0.0% of all applications, or 0.0% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Merchants Mortgage & Trust Corporation originated in Georgia in 2025 was 10.50%, against a statewide median of 6.63%.
About this data. Figures are Merchants Mortgage & Trust Corporation'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