PHH Mortgage in Georgia vs the state
7.4%Denial rate-11.81 pts vs state
16.8%Decision denial rate-8.27 pts vs state
35.8%Origination rate-18.33 pts vs state
6.38%Median rate-0.25 pts vs state
0.25Rate spread (pts)-0.02 pts vs state
$84kMedian applicant income
309Loans originated
64Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 414 | 135 | 27.8% | 6.88% | #144 |
| 2024 | 693 | 224 | 14.7% | 6.63% | #114 |
| 2025 | 864 | 309 | 7.4% | 6.38% | #107 |
What PHH Mortgage lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most PHH Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fulton County | 100 | 35 | 8 | 8.0% |
| Gwinnett County | 76 | 26 | 6 | 7.9% |
| DeKalb County | 60 | 23 | 6 | 10.0% |
| Cobb County | 47 | 16 | 4 | 8.5% |
| Clayton County | 32 | 10 | 2 | 6.3% |
| Chatham County | 31 | 8 | 6 | 19.4% |
| Henry County | 30 | 11 | 3 | 10.0% |
| Cherokee County | 27 | 9 | 0 | 0.0% |
| Columbia County | 26 | 18 | 0 | 0.0% |
| Houston County | 22 | 9 | 1 | 4.5% |
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: 864 applications in 2025, of which 309 were originated and 64 denied.
7.4% of all applications, or 16.8% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans PHH Mortgage originated in Georgia in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are PHH Mortgage'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