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Guaranteed Rate, Inc. in Georgia

HMDA record for properties in Georgia, calendar year 2024. National record · Georgia overview

LEI 549300U3721PJGQZYY68
Reporting agency Department of Housing and Urban Development
State Georgia

HMDA data alone cannot be used 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. Cells under 25 applications are withheld.

In Georgia, Guaranteed Rate, Inc. reported 3,236 applications and 1,917 originations for 2024, $647m in all.

Its denial rate in the state was 10.5%, below the Georgia rate of 26.9% across all lenders and compared with the lender's national rate of 9.0%.

The median rate spread on its Georgia originations was 0.3 percentage points (state median 0.4).

Applications in the state were down 27% on 2023.

3,236applications in GA, 20243.2% of the lender's total
1,917loans originated$647m
10.5%denial rateGA all lenders 26.9%
0.3 ppmedian rate spreadGA 0.4 pp

Compared with the state and the lender's national record

MeasureIn GeorgiaGeorgia, all lendersGuaranteed Rate, Inc., all statesUnited States
Denial rate10.5%26.9%9.0%24.3%
Median rate spread, pp0.30.40.20.3
Originations with spread of 1.5 pp or more9.2%17.5%6.7%15.6%
Average originated loan$337k$313k$392k$329k
Home purchase share82.5%57.0%83.4%57.0%
FHA-insured share20.7%18.3%14.3%13.4%
VA-guaranteed share14.6%11.6%9.9%7.9%

Trend by year

ApplicationsOriginations

02224.54,4492022: 3,640 Applications2023: 4,449 Applications2024: 3,236 Applications2022: 2,106 Originations2023: 2,313 Originations2024: 1,917 Originations202220232024
Guaranteed Rate, Inc. in Georgia: applications and originations, 2022–2024

This lender in stateGeorgia, all lenders

0%14.2%28.4%2022: 11.1% This lender in state2023: 9.1% This lender in state2024: 10.5% This lender in state202220232024
Denial rate by year, state rate dashed

Loan purpose and loan type in Georgia

By purpose

Home purchase 83% (1,582)Home improvement 2% (41)Refinancing 5% (90)Cash-out refinancing 6% (118)Other purpose 4% (86)

By type

Conventional 63% (1,210)FHA 21% (397)VA 15% (280)USDA 2% (30)

Denial reasons as coded

Debt-to-income ratio34.8%
Credit application incomplete23.6%
Credit history18.9%
Collateral9.4%
Unverifiable information4.7%
Other3.9%
Insufficient cash (downpayment, closing costs)2.6%
Employment history2.1%
Mortgage insurance denied0%

Share of 233 denials in Georgia by first denial reason coded (outlined bar: all lenders in the state).

Counties in Georgia

CountyApplicationsOriginationsAmountDenial rate
Cobb County371214$86m10.9%
Gwinnett County229154$53m10.9%
Fulton County306152$76m11.1%
DeKalb County16388$31m14.2%
Paulding County12283$25m6.3%
Cherokee County10863$27m7.2%
Coweta County8958$23m6.3%
Chatham County11854$20m24.0%
Clarke County8551$13m8.8%
Houston County5647$14m2.0%
Camden County6844$11m4.3%
Barrow County5841$10m6.8%
Clayton County6238$8.5m7.0%
Hall County6637$15m15.6%
Gordon County5237$8.6m5.1%
Oconee County5631$11m5.7%
Forsyth County5830$15m22.0%
Douglas County4830$8.4m8.8%
Muscogee County4029$6.9m0.0%
Fayette County5328$12m13.9%
Jackson County4228$8.6m6.5%
Walton County4627$8.2m9.7%
Bartow County3726$7.2m7.1%
Henry County5122$8.2m20.7%
Hart County3722$5.6m—
Long County2818$5.3m—
Carroll County3017$4.8m—
Newton County3014$4.0m—
Charlton County2514$3.2m—
Madison County2514$4.1m—
Liberty County289$2.3m—

Counties with at least 25 applications, by originations.

Questions and answers

How many mortgages did Guaranteed Rate, Inc. originate in Georgia in 2024?

1,917 loans totalling $647m, from 3,236 applications reported for properties in Georgia.

What is Guaranteed Rate, Inc.'s denial rate in Georgia?

10.5% of decided applications in Georgia were denied, against 26.9% for all lenders in the state and 9.0% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.

Which Georgia counties does Guaranteed Rate, Inc. lend in most?

By originations: Cobb County (214), Gwinnett County (154), Fulton County (152), DeKalb County (88), Paulding County (83).

Where does this data come from?

From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.

Provenance

Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Georgia. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.