Lender in Georgia · HMDA 2025
Rate mortgages in Georgia
Rate's 2025 home-purchase and refinance lending in Georgia, compared with all lenders in the state.
Rate originated 1,108 owner-occupied single-family loans in Georgia from 1,260 completed applications.
Its median conventional purchase loan costs were $6,600 versus $6,350 for all Georgia lenders, at a median 30-year fixed rate of 6.60% (Georgia: 6.624%).
Loans in GA
1,108
of 1,260 applications
Denial rate
8.2%
Purchase · GA 9.9%
Rate spread
+0.22 pts
Conv. · GA +0.13 pts
Loan amount
$335,000
Purchase · GA $325,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 972 | 886 | 8.2% | 6.600% | +0.22 pts | $6,600 | $335,000 |
| Refinance | 149 | 133 | 8.7% | 6.375% | +0.01 pts | $4,950 | $395,000 |
| Cash-out refinance | 139 | 89 | 36.0% | 6.800% | +0.28 pts | $6,980 | $285,000 |
*Conventional loans only; medians with at least 20 loans.
Georgia counties where Rate ranks in the top 25
Showing the 30 counties where it ranks highest, of 33.
| County | Rank | Loans | Market share |
|---|---|---|---|
| Charlton County | 3 | 5 | 7.1% |
| Dooly County | 3 | 5 | 9.4% |
| Gordon County | 7 | 29 | 3.3% |
| Ware County | 14 | 5 | 1.7% |
| Coweta County | 16 | 47 | 1.7% |
| Monroe County | 16 | 8 | 1.7% |
| Hancock County | 16 | 1 | 3.9% |
| Macon County | 17 | 1 | 2.8% |
| Houston County | 18 | 41 | 1.3% |
| Hart County | 18 | 4 | 1.3% |
| Gwinnett County | 20 | 113 | 0.9% |
| Toombs County | 20 | 2 | 1.5% |
| Worth County | 20 | 2 | 1.7% |
| Bartow County | 21 | 23 | 1.1% |
| Camden County | 21 | 13 | 0.9% |
| Long County | 21 | 5 | 0.7% |
| Turner County | 21 | 1 | 2.1% |
| Paulding County | 23 | 42 | 1.1% |
| Muscogee County | 23 | 18 | 0.8% |
| Upson County | 23 | 3 | 1.0% |
| Wayne County | 23 | 3 | 0.9% |
| Liberty County | 24 | 11 | 0.7% |
| Troup County | 24 | 9 | 0.9% |
| Bryan County | 24 | 8 | 0.6% |
| Lumpkin County | 24 | 5 | 1.0% |
| Morgan County | 24 | 3 | 0.9% |
| Tift County | 24 | 3 | 0.8% |
| Cobb County | 25 | 104 | 1.0% |
| Harris County | 25 | 6 | 0.9% |
| Pike County | 25 | 3 | 0.9% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology