Mortgage Research Center in Georgia vs the state
19.8%Denial rate+0.61 pts vs state
30.8%Decision denial rate+5.77 pts vs state
43.8%Origination rate-10.26 pts vs state
6.25%Median rate-0.38 pts vs state
-0.19Rate spread (pts)-0.46 pts vs state
$94kMedian applicant income
4,139Loans originated
1,873Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 7,589 | 3,730 | 15.0% | 6.75% | #9 |
| 2024 | 8,048 | 3,944 | 16.6% | 6.63% | #9 |
| 2025 | 9,443 | 4,139 | 19.8% | 6.25% | #7 |
What Mortgage Research Center lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Mortgage Research Center applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Liberty County | 444 | 252 | 75 | 16.9% |
| Houston County | 429 | 201 | 73 | 17.0% |
| Chatham County | 422 | 196 | 66 | 15.6% |
| Fulton County | 413 | 156 | 116 | 28.1% |
| Columbia County | 402 | 199 | 64 | 15.9% |
| Henry County | 397 | 135 | 98 | 24.7% |
| Gwinnett County | 349 | 112 | 86 | 24.6% |
| DeKalb County | 333 | 119 | 74 | 22.2% |
| Muscogee County | 319 | 159 | 57 | 17.9% |
| Cobb County | 307 | 113 | 66 | 21.5% |
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% |
| 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% |
| Newrez | D | 7,880 | 21.5% | 6.63% |
Frequently asked questions
Georgia: 9,443 applications in 2025, of which 4,139 were originated and 1,873 denied.
19.8% of all applications, or 30.8% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Mortgage Research Center originated in Georgia in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are Mortgage Research Center'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