OCMBC in Georgia vs the state
10.1%Denial rate-9.11 pts vs state
13.1%Decision denial rate-11.98 pts vs state
48.4%Origination rate-5.68 pts vs state
7.13%Median rate+0.50 pts vs state
0.99Rate spread (pts)+0.72 pts vs state
$128kMedian applicant income
412Loans originated
86Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 691 | 360 | 17.8% | 7.88% | #100 |
| 2024 | 834 | 417 | 14.5% | 7.63% | #95 |
| 2025 | 851 | 412 | 10.1% | 7.13% | #109 |
What OCMBC lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most OCMBC applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fulton County | 162 | 74 | 21 | 13.0% |
| DeKalb County | 80 | 33 | 10 | 12.5% |
| Gwinnett County | 73 | 41 | 7 | 9.6% |
| Cobb County | 56 | 30 | 1 | 1.8% |
| Chatham County | 47 | 22 | 5 | 10.6% |
| Henry County | 43 | 20 | 4 | 9.3% |
| Clayton County | 33 | 10 | 3 | 9.1% |
| Rockdale County | 32 | 20 | 1 | 3.1% |
| Muscogee County | 29 | 19 | 1 | 3.4% |
| Newton County | 26 | 10 | 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: 851 applications in 2025, of which 412 were originated and 86 denied.
10.1% of all applications, or 13.1% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans OCMBC originated in Georgia in 2025 was 7.13%, against a statewide median of 6.63%.
About this data. Figures are OCMBC'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