Nations Direct Mortgage in Georgia vs the state
11.4%Denial rate-7.87 pts vs state
14.9%Decision denial rate-10.21 pts vs state
65.1%Origination rate+10.98 pts vs state
6.88%Median rate+0.25 pts vs state
0.62Rate spread (pts)+0.36 pts vs state
$107kMedian applicant income
149Loans originated
26Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 276 | 122 | 13.8% | 7.06% | #186 |
| 2024 | 243 | 136 | 11.9% | 6.99% | #213 |
| 2025 | 229 | 149 | 11.4% | 6.88% | #231 |
What Nations Direct Mortgage lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Nations Direct Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Gwinnett County | 34 | 21 | 7 | 20.6% |
| Fulton County | 29 | 21 | 4 | 13.8% |
| Cobb County | 28 | 20 | 3 | 10.7% |
| Clayton County | 18 | 14 | 0 | 0.0% |
| DeKalb County | 14 | 5 | 2 | 14.3% |
| Fayette County | 8 | 6 | 1 | 12.5% |
| Henry County | 8 | 5 | 1 | 12.5% |
| Douglas County | 7 | 4 | 1 | 14.3% |
| Barrow County | 6 | 3 | 0 | 0.0% |
| Bartow 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: 229 applications in 2025, of which 149 were originated and 26 denied.
11.4% of all applications, or 14.9% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Nations Direct Mortgage originated in Georgia in 2025 was 6.88%, against a statewide median of 6.63%.
About this data. Figures are Nations Direct Mortgage'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