NJ Lenders in Georgia vs the state
7.9%Denial rate-11.33 pts vs state
9.4%Decision denial rate-15.69 pts vs state
73.7%Origination rate+19.59 pts vs state
6.38%Median rate-0.25 pts vs state
0.01Rate spread (pts)-0.26 pts vs state
$113kMedian applicant income
28Loans originated
3Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 43 | 26 | 4.7% | 6.44% | #437 |
| 2024 | 98 | 72 | 4.1% | 6.13% | #334 |
| 2025 | 38 | 28 | 7.9% | 6.38% | #480 |
What NJ Lenders lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most NJ Lenders applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Gordon County | 11 | 8 | 1 | 9.1% |
| Floyd County | 7 | 6 | 1 | 14.3% |
| Fulton County | 3 | 0 | 1 | 33.3% |
| Paulding County | 3 | 3 | 0 | 0.0% |
| Polk County | 2 | 1 | 0 | 0.0% |
| Bartow County | 2 | 2 | 0 | 0.0% |
| Haralson County | 2 | 2 | 0 | 0.0% |
| Gwinnett County | 2 | 2 | 0 | 0.0% |
| Coweta County | 2 | 2 | 0 | 0.0% |
| Ware County | 1 | 0 | 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: 38 applications in 2025, of which 28 were originated and 3 denied.
7.9% of all applications, or 9.4% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans NJ Lenders originated in Georgia in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are NJ Lenders'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