Sente Mortgage in Georgia vs the state
1.6%Denial rate-17.59 pts vs state
2.9%Decision denial rate-22.19 pts vs state
54.9%Origination rate+0.80 pts vs state
6.63%Median rate0.00 pts vs state
0.62Rate spread (pts)+0.35 pts vs state
$87kMedian applicant income
101Loans originated
3Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 106 | 75 | 1.9% | 6.75% | #320 |
| 2025 | 184 | 101 | 1.6% | 6.63% | #256 |
What Sente Mortgage lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Sente Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Habersham County | 30 | 16 | 0 | 0.0% |
| White County | 28 | 15 | 0 | 0.0% |
| Lumpkin County | 11 | 9 | 0 | 0.0% |
| Stephens County | 10 | 5 | 0 | 0.0% |
| Banks County | 9 | 5 | 0 | 0.0% |
| Hall County | 9 | 6 | 0 | 0.0% |
| Rabun County | 8 | 7 | 0 | 0.0% |
| Franklin County | 8 | 6 | 0 | 0.0% |
| Jackson County | 6 | 3 | 0 | 0.0% |
| Chatham County | 6 | 4 | 0 | 0.0% |
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: 184 applications in 2025, of which 101 were originated and 3 denied.
1.6% of all applications, or 2.9% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Sente Mortgage originated in Georgia in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Sente 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