United Mortgage in Georgia vs the state
4.3%Denial rate-14.93 pts vs state
5.5%Decision denial rate-19.62 pts vs state
60.0%Origination rate+5.91 pts vs state
6.56%Median rate-0.06 pts vs state
0.42Rate spread (pts)+0.15 pts vs state
$99kMedian applicant income
42Loans originated
3Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 15 | 7 | 6.7% | 7.38% | #595 |
| 2024 | 69 | 43 | 2.9% | 6.99% | #389 |
| 2025 | 70 | 42 | 4.3% | 6.56% | #392 |
What United Mortgage lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most United Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fulton County | 9 | 2 | 1 | 11.1% |
| DeKalb County | 7 | 2 | 1 | 14.3% |
| Gwinnett County | 6 | 2 | 0 | 0.0% |
| Paulding County | 4 | 3 | 0 | 0.0% |
| Cobb County | 3 | 3 | 0 | 0.0% |
| Coweta County | 3 | 2 | 0 | 0.0% |
| Douglas County | 3 | 1 | 1 | 33.3% |
| Hall County | 3 | 3 | 0 | 0.0% |
| Carroll County | 3 | 2 | 0 | 0.0% |
| Chatham County | 3 | 2 | 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: 70 applications in 2025, of which 42 were originated and 3 denied.
4.3% of all applications, or 5.5% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans United Mortgage originated in Georgia in 2025 was 6.56%, against a statewide median of 6.63%.
About this data. Figures are United 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