Name of the lender

AdvantageFirst Lending Inc in GeorgiaMortgage rates, total loan costs and denial rate for homes in Georgia, 2025

HMDA year2025

StateGeorgia

Head office: Lake Forest, CA
Reporting agency: Department of Housing and Urban Development (HUD)
Legal Entity Identifier (LEI)

All states of this lender

AdvantageFirst Lending Inc reported 902 applications for homes in Georgia in the HMDA data of 2025.

It originated 286 loans in the state in 2025, for $90.2 million in total.

The median interest rate of these loans in 2025 was 6.125%, and the median of all lenders in Georgia was 6.375%.

The median total loan costs in 2025 were $18,572, and the state median was $7,626.

It denied 36.3% of the applications that it decided in the state in 2025, and the state denial rate was 25.1%.

Filed figures of AdvantageFirst Lending Inc in Georgia, 2025
Figure	In GA	Lender, all states	GA, all lenders
Applications	902	12,186	449,146
Loans originated	286	4,137	242,931
Median interest rate	6.125%	6.125%	6.375%
Median total loan costs	$18,572	$18,448	$7,626
Denial rate	36.3%	34.9%	25.1%

HMDA data are generally not used alone to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions.
The words of the Consumer Financial Protection Bureau (CFPB). Source: Consumer Financial Protection Bureau, Summary of 2023 Data on Mortgage Lending (11 July 2024), copied on 2 Oct 2026. The figures on this page are from the HMDA data of 2025, the snapshot dataset.

PricingMedians of 2025 loans in GA

Pricing medians of AdvantageFirst Lending Inc in Georgia, 2025Each value has the median of all lenders in Georgia under it.
Loans	Loans in the medians	Interest rate	Total loan costs	Origination charges	Discount points, of the loans with points	Lender credits, of the loans with credits	Rate spread, points
All loans in GA	284	6.125%GA 6.375%	$18,572GA $7,626	$12,189GA $2,978	$9,821GA $2,987	$75GA $541	0.476GA 0.167

Medians are for originated closed-end loans with a first lien. Reverse mortgages, open-end lines of credit and loans for a business purpose are not in the medians. A median needs 20 loans.

The median rate spread was 0.476 percentage points above the average prime offer rate. On a loan of $300,000, that is about $1,428 more a year, or $119 more a month.

The dollar amount is a simple interest approximation: the rate spread times the full loan amount for one year. The balance of a loan decreases with each payment, and an APR includes some fees, so the amount for a real loan is different.

Action taken and loan types

Records in Georgia by the action taken
Action taken	Records	Share
1Loan originated	286	31.7%
2Application approved but not accepted	0	0.0%
3Application denied	163	18.1%
4Application withdrawn by applicant	412	45.7%
5File closed for incompleteness	41	4.5%
6Purchased loan	0	0.0%
7Preapproval request denied	0	0.0%
8Preapproval request approved but not accepted	0	0.0%

Applications in Georgia by loan type
Loan type	Applications	Loans originated	Denial rate
Conventional	105	35	31.4%
FHA-insured	531	164	39.5%
VA-guaranteed	266	87	31.5%

Counties in Georgia

Counties of AdvantageFirst Lending Inc in Georgia with 25 applications or more, 2025In order of the names.
County	Applications	Loans originated	Amount	Denial rate
Cherokee County	25	11	$4.4 million	n/a
Clayton County	27	8	$1.9 million	n/a
Cobb County	58	20	$6.2 million	39.4%
DeKalb County	71	24	$7.3 million	33.3%
Fulton County	70	14	$5.2 million	51.7%
Gwinnett County	74	24	$8.2 million	25.0%
Henry County	32	6	$1.6 million	n/a
Paulding County	28	8	$2.9 million	n/a

Figures by year

AdvantageFirst Lending Inc in Georgia by HMDA year"n/a" shows a year with fewer than 25 applications in the state.
Year	Applications	Loans originated	Amount	Median interest rate	Median total loan costs	Denial rate
2025	902	286	$90.2 million	6.125%	$18,572	36.3%
2024	n/a	n/a	n/a	n/a	n/a	n/a
2023	n/a	n/a	n/a	n/a	n/a	n/a
2022	n/a	n/a	n/a	n/a	n/a	n/a

Official channelsLinks checked 2 Oct 2026

HMDA Data Browser (FFIEC and CFPB)The HMDA records of this lender in this state, with a CSV download.
Submit a complaint (Consumer Financial Protection Bureau)The CFPB form for a complaint about a mortgage or a lender.

Cite this page

Page: Lender Register, "AdvantageFirst Lending Inc in Georgia: mortgage rates, 2025", https://lenderregister.com/lender/254900m2c4q6datp2889-advantagefirst-lending-inc/ga/
Source: Federal Financial Institutions Examination Council and Consumer Financial Protection Bureau, Home Mortgage Disclosure Act data, 2025
Data date: HMDA year 2025. Page made 2 Oct 2026.

Provenance

The figures come from the public HMDA loan/application register of 2022 to 2025. They are the records of this LEI for homes in Georgia. This site withholds a figure with fewer than 25 applications. Method of the figures. Terms. Report an error.

Questions

What share of the loans of AdvantageFirst Lending Inc were in Georgia in 2025?: 286 of its loans originated, out of 4,137 in all states. That is 6.9%.
In which counties of Georgia did AdvantageFirst Lending Inc originate the most loans in 2025?: The three with the most loans were DeKalb County (24), Gwinnett County (24) and Cobb County (20).
Which loan types did AdvantageFirst Lending Inc originate in Georgia in 2025?: 35 conventional, 164 FHA and 87 VA.
What share of the applications in Georgia did AdvantageFirst Lending Inc report in 2025?: 0.2%: 902 out of 449,146 applications of all lenders in the state.