Mortgage Assurance in Georgia vs the state
0.6%Denial rate-18.65 pts vs state
0.7%Decision denial rate-24.34 pts vs state
77.5%Origination rate+23.39 pts vs state
6.25%Median rate-0.38 pts vs state
0.08Rate spread (pts)-0.19 pts vs state
$129kMedian applicant income
406Loans originated
3Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 413 | 286 | 2.2% | 6.63% | #145 |
| 2024 | 749 | 566 | 0.9% | 6.50% | #105 |
| 2025 | 524 | 406 | 0.6% | 6.25% | #146 |
What Mortgage Assurance lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Mortgage Assurance applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Gwinnett County | 78 | 52 | 2 | 2.6% |
| Cobb County | 66 | 48 | 0 | 0.0% |
| Fulton County | 64 | 53 | 0 | 0.0% |
| Cherokee County | 62 | 55 | 0 | 0.0% |
| DeKalb County | 53 | 44 | 0 | 0.0% |
| Forsyth County | 29 | 24 | 0 | 0.0% |
| Paulding County | 25 | 19 | 0 | 0.0% |
| Bartow County | 18 | 14 | 0 | 0.0% |
| Floyd County | 17 | 13 | 0 | 0.0% |
| Fayette County | 10 | 7 | 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: 524 applications in 2025, of which 406 were originated and 3 denied.
0.6% of all applications, or 0.7% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Mortgage Assurance originated in Georgia in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are Mortgage Assurance'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