Pennymac Loan Services in Georgia vs the state
11.6%Denial rate-7.60 pts vs state
17.8%Decision denial rate-7.23 pts vs state
51.3%Origination rate-2.77 pts vs state
6.49%Median rate-0.13 pts vs state
0.30Rate spread (pts)+0.03 pts vs state
$110kMedian applicant income
5,272Loans originated
1,194Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 6,796 | 3,264 | 14.2% | 6.62% | #13 |
| 2024 | 7,859 | 3,890 | 12.6% | 6.50% | #10 |
| 2025 | 10,273 | 5,272 | 11.6% | 6.49% | #5 |
What Pennymac Loan Services lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Pennymac Loan Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Gwinnett County | 853 | 430 | 111 | 13.0% |
| Fulton County | 853 | 444 | 115 | 13.5% |
| Cobb County | 719 | 362 | 76 | 10.6% |
| DeKalb County | 535 | 247 | 94 | 17.6% |
| Chatham County | 410 | 240 | 43 | 10.5% |
| Forsyth County | 380 | 241 | 31 | 8.2% |
| Henry County | 351 | 148 | 54 | 15.4% |
| Cherokee County | 344 | 191 | 45 | 13.1% |
| Paulding County | 262 | 129 | 37 | 14.1% |
| Clayton County | 250 | 100 | 44 | 17.6% |
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% |
| 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% |
| Newrez | D | 7,880 | 21.5% | 6.63% |
Frequently asked questions
Georgia: 10,273 applications in 2025, of which 5,272 were originated and 1,194 denied.
11.6% of all applications, or 17.8% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Pennymac Loan Services originated in Georgia in 2025 was 6.49%, against a statewide median of 6.63%.
About this data. Figures are Pennymac Loan Services'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