NFM in Georgia vs the state
3.5%Denial rate-15.75 pts vs state
4.7%Decision denial rate-20.42 pts vs state
71.0%Origination rate+16.88 pts vs state
6.75%Median rate+0.13 pts vs state
0.47Rate spread (pts)+0.20 pts vs state
$104kMedian applicant income
511Loans originated
25Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 881 | 577 | 4.2% | 6.99% | #87 |
| 2024 | 789 | 546 | 2.9% | 6.99% | #101 |
| 2025 | 720 | 511 | 3.5% | 6.75% | #118 |
What NFM lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most NFM applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Walton County | 89 | 72 | 2 | 2.2% |
| Newton County | 57 | 34 | 1 | 1.8% |
| Coweta County | 38 | 29 | 1 | 2.6% |
| Chatham County | 35 | 22 | 2 | 5.7% |
| Fulton County | 30 | 21 | 1 | 3.3% |
| Gwinnett County | 30 | 19 | 2 | 6.7% |
| Henry County | 29 | 20 | 3 | 10.3% |
| DeKalb County | 28 | 21 | 1 | 3.6% |
| Cobb County | 26 | 19 | 0 | 0.0% |
| Clayton County | 25 | 17 | 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: 720 applications in 2025, of which 511 were originated and 25 denied.
3.5% of all applications, or 4.7% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans NFM originated in Georgia in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are NFM'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