Valon Mortgage in Georgia vs the state
11.9%Denial rate-7.36 pts vs state
13.6%Decision denial rate-11.50 pts vs state
61.7%Origination rate+7.57 pts vs state
8.35%Median rate+1.72 pts vs state
2.12Rate spread (pts)+1.85 pts vs state
$110kMedian applicant income
156Loans originated
30Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 25 | 10 | 40.0% | 6.63% | #536 |
| 2025 | 253 | 156 | 11.9% | 8.35% | #214 |
What Valon Mortgage lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Valon Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| DeKalb County | 21 | 14 | 4 | 19.0% |
| Cobb County | 20 | 13 | 4 | 20.0% |
| Gwinnett County | 20 | 11 | 3 | 15.0% |
| Fulton County | 19 | 12 | 2 | 10.5% |
| Forsyth County | 11 | 6 | 0 | 0.0% |
| Paulding County | 10 | 6 | 2 | 20.0% |
| Bibb County | 9 | 5 | 2 | 22.2% |
| Hall County | 8 | 7 | 0 | 0.0% |
| Cherokee County | 8 | 5 | 1 | 12.5% |
| Walton County | 8 | 2 | 1 | 12.5% |
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: 253 applications in 2025, of which 156 were originated and 30 denied.
11.9% of all applications, or 13.6% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Valon Mortgage originated in Georgia in 2025 was 8.35%, against a statewide median of 6.63%.
About this data. Figures are Valon 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