US Mortgage in Georgia vs the state
7.1%Denial rate-12.17 pts vs state
8.4%Decision denial rate-16.69 pts vs state
75.9%Origination rate+21.83 pts vs state
6.75%Median rate+0.13 pts vs state
0.76Rate spread (pts)+0.49 pts vs state
$89kMedian applicant income
517Loans originated
48Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 648 | 453 | 10.2% | 6.99% | #104 |
| 2024 | 697 | 511 | 5.3% | 6.99% | #113 |
| 2025 | 681 | 517 | 7.1% | 6.75% | #123 |
What US Mortgage lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most US Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Gwinnett County | 120 | 85 | 14 | 11.7% |
| Cobb County | 80 | 63 | 2 | 2.5% |
| DeKalb County | 67 | 47 | 6 | 9.0% |
| Fulton County | 43 | 31 | 2 | 4.7% |
| Clayton County | 40 | 31 | 4 | 10.0% |
| Barrow County | 36 | 26 | 1 | 2.8% |
| Hall County | 32 | 26 | 2 | 6.3% |
| Douglas County | 30 | 24 | 1 | 3.3% |
| Paulding County | 27 | 22 | 1 | 3.7% |
| Cherokee County | 24 | 18 | 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: 681 applications in 2025, of which 517 were originated and 48 denied.
7.1% of all applications, or 8.4% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans US Mortgage originated in Georgia in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are US 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