Shelter Home Mortgage in Georgia vs the state
4.9%Denial rate-14.37 pts vs state
7.2%Decision denial rate-17.91 pts vs state
62.4%Origination rate+8.33 pts vs state
6.63%Median rate0.00 pts vs state
0.34Rate spread (pts)+0.07 pts vs state
$138kMedian applicant income
309Loans originated
24Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 755 | 506 | 2.1% | 6.63% | #98 |
| 2024 | 335 | 221 | 5.4% | 6.99% | #176 |
| 2025 | 495 | 309 | 4.9% | 6.63% | #154 |
What Shelter Home Mortgage lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Shelter Home Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| DeKalb County | 194 | 122 | 10 | 5.2% |
| Fulton County | 110 | 66 | 5 | 4.5% |
| Cobb County | 48 | 31 | 2 | 4.2% |
| Gwinnett County | 44 | 23 | 3 | 6.8% |
| Paulding County | 8 | 3 | 0 | 0.0% |
| Douglas County | 8 | 7 | 0 | 0.0% |
| Cherokee County | 8 | 7 | 0 | 0.0% |
| Forsyth County | 6 | 4 | 0 | 0.0% |
| Barrow County | 6 | 4 | 1 | 16.7% |
| Bibb County | 5 | 2 | 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: 495 applications in 2025, of which 309 were originated and 24 denied.
4.9% of all applications, or 7.2% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Shelter Home Mortgage originated in Georgia in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Shelter Home 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