Victory Mortgage in Georgia vs the state
7.1%Denial rate-12.16 pts vs state
8.0%Decision denial rate-17.11 pts vs state
81.6%Origination rate+27.48 pts vs state
5.88%Median rate-0.75 pts vs state
-0.41Rate spread (pts)-0.67 pts vs state
$128kMedian applicant income
208Loans originated
18Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 280 | 202 | 6.4% | 6.63% | #184 |
| 2024 | 309 | 236 | 9.4% | 6.13% | #191 |
| 2025 | 255 | 208 | 7.1% | 5.88% | #213 |
What Victory Mortgage lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Victory Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jackson County | 128 | 104 | 10 | 7.8% |
| Paulding County | 78 | 66 | 6 | 7.7% |
| Bartow County | 23 | 21 | 0 | 0.0% |
| Dawson County | 11 | 9 | 1 | 9.1% |
| Cherokee County | 4 | 1 | 1 | 25.0% |
| Forsyth County | 4 | 0 | 0 | 0.0% |
| Clarke County | 2 | 2 | 0 | 0.0% |
| Gwinnett County | 2 | 2 | 0 | 0.0% |
| Pickens County | 1 | 1 | 0 | 0.0% |
| Glynn 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: 255 applications in 2025, of which 208 were originated and 18 denied.
7.1% of all applications, or 8.0% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Victory Mortgage originated in Georgia in 2025 was 5.88%, against a statewide median of 6.63%.
About this data. Figures are Victory 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