Sierra Pacific Mortgage Company in Georgia vs the state
9.7%Denial rate-9.52 pts vs state
11.4%Decision denial rate-13.72 pts vs state
72.7%Origination rate+18.64 pts vs state
6.63%Median rate0.00 pts vs state
0.30Rate spread (pts)+0.03 pts vs state
$111kMedian applicant income
120Loans originated
16Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 26 | 14 | 30.8% | 6.99% | #515 |
| 2024 | 98 | 66 | 9.2% | 6.50% | #335 |
| 2025 | 165 | 120 | 9.7% | 6.63% | #267 |
What Sierra Pacific Mortgage Company lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Sierra Pacific Mortgage Company applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Chatham County | 35 | 26 | 3 | 8.6% |
| Cobb County | 11 | 9 | 0 | 0.0% |
| Fulton County | 11 | 9 | 0 | 0.0% |
| Forsyth County | 8 | 6 | 0 | 0.0% |
| Gwinnett County | 7 | 5 | 0 | 0.0% |
| Effingham County | 6 | 5 | 0 | 0.0% |
| Bulloch County | 6 | 5 | 1 | 16.7% |
| Tattnall County | 5 | 4 | 1 | 20.0% |
| Cherokee County | 5 | 2 | 2 | 40.0% |
| Towns County | 5 | 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: 165 applications in 2025, of which 120 were originated and 16 denied.
9.7% of all applications, or 11.4% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Sierra Pacific Mortgage Company originated in Georgia in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Sierra Pacific Mortgage Company'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