Union Home Mortgage in Georgia vs the state
7.4%Denial rate-11.80 pts vs state
9.4%Decision denial rate-15.72 pts vs state
69.7%Origination rate+15.63 pts vs state
6.50%Median rate-0.13 pts vs state
0.35Rate spread (pts)+0.08 pts vs state
$97kMedian applicant income
921Loans originated
98Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 598 | 431 | 5.4% | 6.88% | #112 |
| 2024 | 1,058 | 739 | 7.8% | 6.63% | #84 |
| 2025 | 1,321 | 921 | 7.4% | 6.50% | #73 |
What Union Home Mortgage lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Union Home Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Walker County | 107 | 86 | 1 | 0.9% |
| Catoosa County | 94 | 69 | 5 | 5.3% |
| Floyd County | 74 | 59 | 2 | 2.7% |
| Gwinnett County | 68 | 51 | 5 | 7.4% |
| Fulton County | 67 | 35 | 8 | 11.9% |
| Chatham County | 54 | 25 | 10 | 18.5% |
| Barrow County | 44 | 33 | 0 | 0.0% |
| DeKalb County | 42 | 28 | 7 | 16.7% |
| Cobb County | 39 | 26 | 2 | 5.1% |
| Henry County | 35 | 25 | 2 | 5.7% |
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: 1,321 applications in 2025, of which 921 were originated and 98 denied.
7.4% of all applications, or 9.4% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Union Home Mortgage originated in Georgia in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Union Home 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