Zippy Loans in Georgia vs the state
46.4%Denial rate+27.13 pts vs state
80.2%Decision denial rate+55.11 pts vs state
11.5%Origination rate-42.63 pts vs state
9.87%Median rate+3.24 pts vs state
0.04Rate spread (pts)-0.23 pts vs state
$54kMedian applicant income
22Loans originated
89Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 133 | 34 | 43.6% | 11.19% | #284 |
| 2025 | 192 | 22 | 46.4% | 9.87% | #254 |
What Zippy Loans lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Zippy Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cherokee County | 29 | 2 | 16 | 55.2% |
| Douglas County | 28 | 6 | 9 | 32.1% |
| Gwinnett County | 25 | 2 | 16 | 64.0% |
| Fayette County | 16 | 2 | 10 | 62.5% |
| Cobb County | 13 | 2 | 6 | 46.2% |
| Grady County | 6 | 0 | 1 | 16.7% |
| Muscogee County | 6 | 0 | 3 | 50.0% |
| Henry County | 6 | 1 | 2 | 33.3% |
| Clayton County | 4 | 2 | 2 | 50.0% |
| Walker County | 2 | 2 | 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: 192 applications in 2025, of which 22 were originated and 89 denied.
46.4% of all applications, or 80.2% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Zippy Loans originated in Georgia in 2025 was 9.87%, against a statewide median of 6.63%.
About this data. Figures are Zippy 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