New Day Financial in Georgia vs the state
23.1%Denial rate+3.87 pts vs state
54.1%Decision denial rate+29.01 pts vs state
17.8%Origination rate-36.26 pts vs state
6.99%Median rate+0.37 pts vs state
0.78Rate spread (pts)+0.51 pts vs state
$78kMedian applicant income
542Loans originated
702Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,239 | 440 | 23.5% | 7.50% | #43 |
| 2024 | 2,887 | 478 | 25.3% | 7.75% | #35 |
| 2025 | 3,040 | 542 | 23.1% | 6.99% | #37 |
What New Day Financial lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most New Day Financial applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| DeKalb County | 147 | 18 | 42 | 28.6% |
| Muscogee County | 147 | 33 | 31 | 21.1% |
| Henry County | 130 | 20 | 41 | 31.5% |
| Gwinnett County | 120 | 20 | 35 | 29.2% |
| Cobb County | 114 | 23 | 27 | 23.7% |
| Houston County | 112 | 23 | 30 | 26.8% |
| Fulton County | 111 | 18 | 31 | 27.9% |
| Richmond County | 105 | 26 | 22 | 21.0% |
| Clayton County | 96 | 20 | 32 | 33.3% |
| Chatham County | 86 | 16 | 17 | 19.8% |
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: 3,040 applications in 2025, of which 542 were originated and 702 denied.
23.1% of all applications, or 54.1% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans New Day Financial originated in Georgia in 2025 was 6.99%, against a statewide median of 6.63%.
About this data. Figures are New Day Financial'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