Oaktree Funding in Georgia vs the state
1.2%Denial rate-18.02 pts vs state
1.3%Decision denial rate-23.77 pts vs state
39.8%Origination rate-14.33 pts vs state
8.25%Median rate+1.63 pts vs state
2.07Rate spread (pts)+1.80 pts vs state
$265kMedian applicant income
33Loans originated
1Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 85 | 20 | 11.8% | 9.25% | #347 |
| 2024 | 125 | 49 | 4.0% | 8.25% | #297 |
| 2025 | 83 | 33 | 1.2% | 8.25% | #364 |
What Oaktree Funding lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Oaktree Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fulton County | 14 | 4 | 0 | 0.0% |
| Gwinnett County | 8 | 2 | 0 | 0.0% |
| Cobb County | 6 | 4 | 0 | 0.0% |
| Forsyth County | 5 | 2 | 0 | 0.0% |
| Whitfield County | 5 | 0 | 0 | 0.0% |
| Hall County | 5 | 3 | 0 | 0.0% |
| DeKalb County | 5 | 2 | 0 | 0.0% |
| Henry County | 5 | 1 | 0 | 0.0% |
| Chatham County | 4 | 2 | 0 | 0.0% |
| Glynn County | 4 | 1 | 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: 83 applications in 2025, of which 33 were originated and 1 denied.
1.2% of all applications, or 1.3% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Oaktree Funding originated in Georgia in 2025 was 8.25%, against a statewide median of 6.63%.
About this data. Figures are Oaktree Funding'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