Tomo Mortgage in Georgia vs the state
4.8%Denial rate-14.43 pts vs state
10.5%Decision denial rate-14.57 pts vs state
40.4%Origination rate-13.67 pts vs state
6.38%Median rate-0.25 pts vs state
-0.16Rate spread (pts)-0.43 pts vs state
$166kMedian applicant income
211Loans originated
25Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 15 | 10 | 0.0% | 6.50% | #600 |
| 2024 | 128 | 56 | 6.3% | 6.63% | #294 |
| 2025 | 522 | 211 | 4.8% | 6.38% | #147 |
What Tomo Mortgage lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Tomo Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fulton County | 92 | 29 | 8 | 8.7% |
| Cobb County | 67 | 24 | 3 | 4.5% |
| Gwinnett County | 57 | 22 | 2 | 3.5% |
| DeKalb County | 50 | 17 | 1 | 2.0% |
| Forsyth County | 49 | 19 | 3 | 6.1% |
| Cherokee County | 16 | 9 | 0 | 0.0% |
| Chatham County | 13 | 6 | 1 | 7.7% |
| Columbia County | 10 | 7 | 0 | 0.0% |
| Hall County | 10 | 3 | 0 | 0.0% |
| Paulding County | 8 | 0 | 1 | 12.5% |
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: 522 applications in 2025, of which 211 were originated and 25 denied.
4.8% of all applications, or 10.5% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Tomo Mortgage originated in Georgia in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are Tomo 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