Royal United Mortgage in Georgia vs the state
18.9%Denial rate-0.34 pts vs state
22.2%Decision denial rate-2.85 pts vs state
62.5%Origination rate+8.41 pts vs state
6.88%Median rate+0.25 pts vs state
1.06Rate spread (pts)+0.79 pts vs state
$44kMedian applicant income
245Loans originated
74Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 422 | 226 | 29.6% | 7.13% | #142 |
| 2024 | 407 | 242 | 26.3% | 7.00% | #158 |
| 2025 | 392 | 245 | 18.9% | 6.88% | #170 |
What Royal United Mortgage lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Royal United Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| DeKalb County | 23 | 12 | 7 | 30.4% |
| Gwinnett County | 22 | 14 | 3 | 13.6% |
| Richmond County | 16 | 11 | 4 | 25.0% |
| Clayton County | 15 | 11 | 3 | 20.0% |
| Muscogee County | 15 | 10 | 2 | 13.3% |
| Bibb County | 13 | 7 | 2 | 15.4% |
| Cobb County | 13 | 7 | 4 | 30.8% |
| Columbia County | 10 | 8 | 1 | 10.0% |
| Fulton County | 9 | 5 | 2 | 22.2% |
| Jackson County | 8 | 7 | 1 | 12.5% |
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: 392 applications in 2025, of which 245 were originated and 74 denied.
18.9% of all applications, or 22.2% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Royal United Mortgage originated in Georgia in 2025 was 6.88%, against a statewide median of 6.63%.
About this data. Figures are Royal United 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