Pacific Equity and Loan in Georgia vs the state
14.0%Denial rate-5.27 pts vs state
14.0%Decision denial rate-11.12 pts vs state
58.1%Origination rate+4.05 pts vs state
12.00%Median rate+5.38 pts vs state
—Rate spread (pts)
—Median applicant income
25Loans originated
6Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 23 | 8 | 0.0% | 12.00% | #534 |
| 2024 | 117 | 55 | 6.0% | 12.00% | #307 |
| 2025 | 43 | 25 | 14.0% | 12.00% | #456 |
What Pacific Equity and Loan lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
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: 43 applications in 2025, of which 25 were originated and 6 denied.
14.0% of all applications, or 14.0% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Pacific Equity and Loan originated in Georgia in 2025 was 12.00%, against a statewide median of 6.63%.
About this data. Figures are Pacific Equity and Loan'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