Zillow Home Loans in Georgia vs the state
5.8%Denial rate-13.42 pts vs state
7.6%Decision denial rate-17.52 pts vs state
70.1%Origination rate+15.98 pts vs state
6.50%Median rate-0.13 pts vs state
0.28Rate spread (pts)+0.01 pts vs state
$102kMedian applicant income
1,124Loans originated
93Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 950 | 678 | 4.0% | 6.63% | #80 |
| 2024 | 1,394 | 949 | 7.1% | 6.63% | #64 |
| 2025 | 1,604 | 1,124 | 5.8% | 6.50% | #61 |
What Zillow Home Loans lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Zillow Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fulton County | 189 | 122 | 18 | 9.5% |
| Gwinnett County | 178 | 131 | 6 | 3.4% |
| DeKalb County | 175 | 112 | 16 | 9.1% |
| Cobb County | 150 | 110 | 6 | 4.0% |
| Henry County | 82 | 56 | 5 | 6.1% |
| Cherokee County | 72 | 53 | 1 | 1.4% |
| Paulding County | 53 | 39 | 3 | 5.7% |
| Clayton County | 49 | 32 | 2 | 4.1% |
| Douglas County | 46 | 30 | 1 | 2.2% |
| Forsyth County | 46 | 39 | 1 | 2.2% |
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: 1,604 applications in 2025, of which 1,124 were originated and 93 denied.
5.8% of all applications, or 7.6% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Zillow Home Loans originated in Georgia in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Zillow Home Loans'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