T2 Financial in Georgia vs the state
10.8%Denial rate-8.38 pts vs state
12.4%Decision denial rate-12.67 pts vs state
65.4%Origination rate+11.29 pts vs state
6.63%Median rate0.00 pts vs state
0.37Rate spread (pts)+0.10 pts vs state
$120kMedian applicant income
187Loans originated
31Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 76 | 37 | 21.1% | 6.88% | #364 |
| 2024 | 120 | 69 | 12.5% | 6.63% | #303 |
| 2025 | 286 | 187 | 10.8% | 6.63% | #206 |
What T2 Financial lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most T2 Financial applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Gwinnett County | 50 | 31 | 8 | 16.0% |
| Fulton County | 26 | 16 | 3 | 11.5% |
| Cobb County | 23 | 13 | 2 | 8.7% |
| DeKalb County | 18 | 13 | 0 | 0.0% |
| Hall County | 17 | 10 | 1 | 5.9% |
| Forsyth County | 12 | 8 | 1 | 8.3% |
| Douglas County | 11 | 9 | 1 | 9.1% |
| Cherokee County | 10 | 7 | 0 | 0.0% |
| Henry County | 8 | 6 | 1 | 12.5% |
| Coweta County | 8 | 6 | 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: 286 applications in 2025, of which 187 were originated and 31 denied.
10.8% of all applications, or 12.4% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans T2 Financial originated in Georgia in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are T2 Financial'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