Vellum Mortgage in Georgia vs the state
8.3%Denial rate-10.89 pts vs state
12.5%Decision denial rate-12.57 pts vs state
58.3%Origination rate+4.24 pts vs state
7.13%Median rate+0.50 pts vs state
0.75Rate spread (pts)+0.48 pts vs state
$92kMedian applicant income
7Loans originated
1Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 5 | 1 | 20.0% | 6.75% | #764 |
| 2025 | 12 | 7 | 8.3% | 7.13% | #638 |
What Vellum Mortgage lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Vellum Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fulton County | 4 | 2 | 0 | 0.0% |
| Douglas County | 2 | 2 | 0 | 0.0% |
| Habersham County | 1 | 1 | 0 | 0.0% |
| Carroll County | 1 | 0 | 0 | 0.0% |
| Paulding County | 1 | 0 | 1 | 100.0% |
| Wilkes County | 1 | 1 | 0 | 0.0% |
| Oglethorpe County | 1 | 0 | 0 | 0.0% |
| Gwinnett County | 1 | 1 | 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: 12 applications in 2025, of which 7 were originated and 1 denied.
8.3% of all applications, or 12.5% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Vellum Mortgage originated in Georgia in 2025 was 7.13%, against a statewide median of 6.63%.
About this data. Figures are Vellum 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