Primary Residential Mortgage in Georgia vs the state
9.9%Denial rate-9.37 pts vs state
13.3%Decision denial rate-11.82 pts vs state
64.5%Origination rate+10.44 pts vs state
6.63%Median rate0.00 pts vs state
0.65Rate spread (pts)+0.38 pts vs state
$87kMedian applicant income
131Loans originated
20Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 139 | 85 | 9.4% | 6.75% | #267 |
| 2024 | 190 | 108 | 12.1% | 6.75% | #239 |
| 2025 | 203 | 131 | 9.9% | 6.63% | #247 |
What Primary Residential Mortgage lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Primary Residential Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Coweta County | 28 | 19 | 4 | 14.3% |
| Cobb County | 25 | 18 | 5 | 20.0% |
| Gwinnett County | 14 | 9 | 1 | 7.1% |
| Paulding County | 9 | 8 | 1 | 11.1% |
| Clayton County | 9 | 6 | 0 | 0.0% |
| Fayette County | 9 | 6 | 0 | 0.0% |
| Fulton County | 7 | 7 | 0 | 0.0% |
| Heard County | 7 | 5 | 0 | 0.0% |
| Henry County | 7 | 4 | 0 | 0.0% |
| Muscogee County | 7 | 3 | 1 | 14.3% |
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: 203 applications in 2025, of which 131 were originated and 20 denied.
9.9% of all applications, or 13.3% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Primary Residential Mortgage originated in Georgia in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Primary Residential 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