Mortgage Access in Georgia vs the state
2.9%Denial rate-16.36 pts vs state
4.8%Decision denial rate-20.31 pts vs state
57.1%Origination rate+3.05 pts vs state
6.31%Median rate-0.31 pts vs state
0.05Rate spread (pts)-0.22 pts vs state
$180kMedian applicant income
20Loans originated
1Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 38 | 22 | 7.9% | 6.99% | #454 |
| 2024 | 35 | 18 | 5.7% | 6.63% | #476 |
| 2025 | 35 | 20 | 2.9% | 6.31% | #498 |
What Mortgage Access lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Mortgage Access applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fulton County | 6 | 3 | 0 | 0.0% |
| Cherokee County | 4 | 2 | 0 | 0.0% |
| Cobb County | 4 | 2 | 0 | 0.0% |
| Haralson County | 3 | 2 | 0 | 0.0% |
| Douglas County | 2 | 2 | 0 | 0.0% |
| DeKalb County | 2 | 0 | 0 | 0.0% |
| Coweta County | 2 | 2 | 0 | 0.0% |
| Henry County | 2 | 2 | 0 | 0.0% |
| Camden County | 1 | 1 | 0 | 0.0% |
| Paulding County | 1 | 0 | 1 | 100.0% |
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: 35 applications in 2025, of which 20 were originated and 1 denied.
2.9% of all applications, or 4.8% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Mortgage Access originated in Georgia in 2025 was 6.31%, against a statewide median of 6.63%.
About this data. Figures are Mortgage Access'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