Valley West in Georgia vs the state
5.9%Denial rate-13.34 pts vs state
11.1%Decision denial rate-13.96 pts vs state
41.2%Origination rate-12.91 pts vs state
5.63%Median rate-1.00 pts vs state
0.12Rate spread (pts)-0.15 pts vs state
$154kMedian applicant income
7Loans originated
1Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 5 | 5 | 0.0% | 5.25% | #782 |
| 2024 | 32 | 15 | 6.3% | 6.19% | #489 |
| 2025 | 17 | 7 | 5.9% | 5.63% | #590 |
What Valley West lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Valley West applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fulton County | 3 | 1 | 1 | 33.3% |
| Paulding County | 2 | 1 | 0 | 0.0% |
| Muscogee County | 2 | 1 | 0 | 0.0% |
| Cobb County | 2 | 2 | 0 | 0.0% |
| Chatham County | 2 | 0 | 0 | 0.0% |
| Fayette County | 1 | 1 | 0 | 0.0% |
| DeKalb County | 1 | 0 | 0 | 0.0% |
| Clayton County | 1 | 0 | 0 | 0.0% |
| Rockdale County | 1 | 0 | 0 | 0.0% |
| Effingham County | 1 | 0 | 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: 17 applications in 2025, of which 7 were originated and 1 denied.
5.9% of all applications, or 11.1% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Valley West originated in Georgia in 2025 was 5.63%, against a statewide median of 6.63%.
About this data. Figures are Valley West'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