South River Mortgage in Georgia vs the state
2.0%Denial rate-17.18 pts vs state
5.1%Decision denial rate-19.97 pts vs state
38.0%Origination rate-16.13 pts vs state
8.99%Median rate+2.37 pts vs state
—Rate spread (pts)
$24kMedian applicant income
93Loans originated
5Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 62 | 62 | 0.0% | 6.65% | #402 |
| 2025 | 245 | 93 | 2.0% | 8.99% | #221 |
What South River Mortgage lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most South River Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| DeKalb County | 36 | 13 | 1 | 2.8% |
| Fulton County | 25 | 8 | 1 | 4.0% |
| Gwinnett County | 11 | 4 | 2 | 18.2% |
| Cobb County | 10 | 5 | 0 | 0.0% |
| Cherokee County | 9 | 4 | 0 | 0.0% |
| Chatham County | 9 | 3 | 0 | 0.0% |
| Richmond County | 8 | 3 | 0 | 0.0% |
| Fayette County | 8 | 2 | 0 | 0.0% |
| Lowndes County | 7 | 2 | 0 | 0.0% |
| Hall County | 7 | 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: 245 applications in 2025, of which 93 were originated and 5 denied.
2.0% of all applications, or 5.1% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans South River Mortgage originated in Georgia in 2025 was 8.99%, against a statewide median of 6.63%.
About this data. Figures are South River 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