State Employees' in Georgia vs the state
26.3%Denial rate+7.03 pts vs state
31.8%Decision denial rate+6.75 pts vs state
54.4%Origination rate+0.29 pts vs state
6.15%Median rate-0.47 pts vs state
-0.70Rate spread (pts)-0.97 pts vs state
$130kMedian applicant income
87Loans originated
42Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 205 | 116 | 24.9% | 5.76% | #222 |
| 2024 | 185 | 102 | 25.4% | 6.76% | #242 |
| 2025 | 160 | 87 | 26.3% | 6.15% | #273 |
What State Employees' lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most State Employees' applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fulton County | 20 | 11 | 5 | 25.0% |
| Gwinnett County | 15 | 5 | 5 | 33.3% |
| Chatham County | 13 | 10 | 1 | 7.7% |
| Cobb County | 12 | 9 | 2 | 16.7% |
| DeKalb County | 8 | 4 | 2 | 25.0% |
| Richmond County | 7 | 5 | 0 | 0.0% |
| Cherokee County | 7 | 5 | 1 | 14.3% |
| Union County | 5 | 4 | 1 | 20.0% |
| Towns County | 5 | 2 | 1 | 20.0% |
| Henry County | 4 | 0 | 4 | 100.0% |
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: 160 applications in 2025, of which 87 were originated and 42 denied.
26.3% of all applications, or 31.8% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans State Employees' originated in Georgia in 2025 was 6.15%, against a statewide median of 6.63%.
About this data. Figures are State Employees''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