United Shore Financial Services in Georgia vs the state
12.6%Denial rate-6.58 pts vs state
14.7%Decision denial rate-10.40 pts vs state
71.7%Origination rate+17.58 pts vs state
6.25%Median rate-0.38 pts vs state
0.11Rate spread (pts)-0.16 pts vs state
$103kMedian applicant income
17,047Loans originated
3,006Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 15,853 | 11,599 | 12.2% | 6.50% | #2 |
| 2024 | 20,074 | 14,486 | 12.8% | 6.39% | #2 |
| 2025 | 23,784 | 17,047 | 12.6% | 6.25% | #2 |
What United Shore Financial Services lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most United Shore Financial Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Gwinnett County | 2,535 | 1,852 | 338 | 13.3% |
| Fulton County | 2,248 | 1,521 | 360 | 16.0% |
| Cobb County | 1,760 | 1,304 | 187 | 10.6% |
| DeKalb County | 1,442 | 958 | 272 | 18.9% |
| Forsyth County | 1,329 | 1,011 | 114 | 8.6% |
| Cherokee County | 887 | 694 | 79 | 8.9% |
| Henry County | 709 | 462 | 132 | 18.6% |
| Chatham County | 652 | 487 | 54 | 8.3% |
| Clayton County | 611 | 367 | 126 | 20.6% |
| Hall County | 528 | 386 | 64 | 12.1% |
Other large lenders in Georgia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 29,845 | 18.2% | 6.63% |
| 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% |
| Newrez | D | 7,880 | 21.5% | 6.63% |
Frequently asked questions
Georgia: 23,784 applications in 2025, of which 17,047 were originated and 3,006 denied.
12.6% of all applications, or 14.7% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans United Shore Financial Services originated in Georgia in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are United Shore Financial Services'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