Mid-Continent Funding in Georgia vs the state
5.0%Denial rate-14.25 pts vs state
6.9%Decision denial rate-18.20 pts vs state
59.7%Origination rate+5.58 pts vs state
6.50%Median rate-0.13 pts vs state
0.09Rate spread (pts)-0.18 pts vs state
$80kMedian applicant income
108Loans originated
9Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 87 | 53 | 12.6% | 6.25% | #341 |
| 2024 | 85 | 55 | 5.9% | 6.13% | #358 |
| 2025 | 181 | 108 | 5.0% | 6.50% | #257 |
What Mid-Continent Funding lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Mid-Continent Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Gwinnett County | 13 | 8 | 0 | 0.0% |
| DeKalb County | 12 | 8 | 0 | 0.0% |
| Fulton County | 10 | 7 | 0 | 0.0% |
| Henry County | 9 | 7 | 1 | 11.1% |
| Lowndes County | 7 | 3 | 1 | 14.3% |
| Cobb County | 7 | 3 | 0 | 0.0% |
| Newton County | 6 | 2 | 1 | 16.7% |
| Floyd County | 5 | 2 | 0 | 0.0% |
| Clayton County | 5 | 2 | 0 | 0.0% |
| Paulding County | 5 | 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: 181 applications in 2025, of which 108 were originated and 9 denied.
5.0% of all applications, or 6.9% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Mid-Continent Funding originated in Georgia in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Mid-Continent Funding'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