NVR Mortgage Finance in Georgia vs the state
34.6%Denial rate+15.38 pts vs state
40.0%Decision denial rate+14.89 pts vs state
52.0%Origination rate-2.10 pts vs state
6.13%Median rate-0.50 pts vs state
-0.09Rate spread (pts)-0.36 pts vs state
$106kMedian applicant income
287Loans originated
191Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 247 | 131 | 39.3% | 5.63% | #197 |
| 2024 | 434 | 213 | 41.5% | 6.13% | #151 |
| 2025 | 552 | 287 | 34.6% | 6.13% | #143 |
What NVR Mortgage Finance lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most NVR Mortgage Finance applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fayette County | 108 | 56 | 37 | 34.3% |
| Henry County | 103 | 44 | 46 | 44.7% |
| Gordon County | 88 | 47 | 29 | 33.0% |
| Gwinnett County | 75 | 33 | 29 | 38.7% |
| DeKalb County | 47 | 19 | 24 | 51.1% |
| Jackson County | 31 | 24 | 5 | 16.1% |
| Dawson County | 28 | 14 | 7 | 25.0% |
| Paulding County | 25 | 16 | 4 | 16.0% |
| Floyd County | 21 | 17 | 4 | 19.0% |
| Bartow County | 15 | 7 | 5 | 33.3% |
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: 552 applications in 2025, of which 287 were originated and 191 denied.
34.6% of all applications, or 40.0% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans NVR Mortgage Finance originated in Georgia in 2025 was 6.13%, against a statewide median of 6.63%.
About this data. Figures are NVR Mortgage Finance'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