Milend in Georgia vs the state
11.2%Denial rate-8.07 pts vs state
25.1%Decision denial rate+0.04 pts vs state
30.3%Origination rate-23.76 pts vs state
6.25%Median rate-0.38 pts vs state
0.28Rate spread (pts)+0.01 pts vs state
$89kMedian applicant income
457Loans originated
168Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,447 | 488 | 8.9% | 6.63% | #59 |
| 2024 | 1,330 | 478 | 7.8% | 6.50% | #68 |
| 2025 | 1,507 | 457 | 11.2% | 6.25% | #64 |
What Milend lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Milend applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Gwinnett County | 137 | 42 | 15 | 10.9% |
| Cobb County | 110 | 43 | 8 | 7.3% |
| Fulton County | 94 | 31 | 9 | 9.6% |
| DeKalb County | 78 | 20 | 10 | 12.8% |
| Cherokee County | 68 | 32 | 8 | 11.8% |
| Henry County | 62 | 19 | 5 | 8.1% |
| Forsyth County | 52 | 25 | 3 | 5.8% |
| Clayton County | 41 | 10 | 9 | 22.0% |
| Paulding County | 37 | 13 | 6 | 16.2% |
| Barrow County | 35 | 11 | 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: 1,507 applications in 2025, of which 457 were originated and 168 denied.
11.2% of all applications, or 25.1% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Milend originated in Georgia in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are Milend'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