Georgia’s FHA denial rate in 2025 was 24.6% across 63,095 decisioned applications — ranking #13 of 52 states. Among high-volume lenders, the lowest observed denial rate was Guild Mortgage Company at 7.4%; the highest was Amerisave Mortgage Company at 80.2%. The institutional spread inside Georgia is 10.8×: the same FHA application faces a 7.4% observed denial rate at one high-volume door and 80.2% at another — two real endpoints of the federal record, same state, same program. Source: complete CFPB HMDA 2025 federal record.
Cells require 100+ decisioned applications. Sorted softest first. Observed rates — not endorsements.
| Lender | Georgia FHA apps | Denial rate |
|---|---|---|
| Guild Mortgage Company | 1,853 | 7.4% |
| Crosscountry Mortgage, LLC | 1,287 | 7.4% |
| Fairway Independent Mort Corp | 1,029 | 8.2% |
| Freedom Mortgage Corporation | 2,485 | 20.9% |
| Pennymac Loan Services LLC | 1,809 | 22.4% |
| United Wholesale Mortgage | 5,352 | 22.5% |
| New American Funding, LLC. | 2,116 | 23.5% |
| Dhi Mortgage Company, Ltd. | 1,835 | 25.1% |
| Rocket Mortgage | 5,484 | 30.3% |
| Loandepot.Com LLC | 2,135 | 36.0% |
| Newrez LLC | 1,102 | 58.4% |
| Carrington Mortgage Services LLC | 1,034 | 60.1% |
| Lakeview Loan Servicing, LLC | 1,251 | 61.9% |
| American Financing Corporation | 1,495 | 75.3% |
| Amerisave Mortgage Company | 1,477 | 80.2% |
Applications under $150K were denied 42.8% of the time versus 20.8% for loans of $250K+ — a 2.1× penalty on the smallest loans. National context: the small-loan penalty.
The Home Mortgage Disclosure Act requires every U.S. mortgage lender to report every application — outcome, amount, and denial reason — to federal regulators annually. It is government-verified, covers all lenders equally, and cannot be gamed. These tables are processed directly from that record.
Nobody. No lender pays to appear or improve its position; no ads, no referral fees, no lead sales. FinanceRateCalc is not a lender and does not compete with the institutions it measures. Rates reflect applicant mix and channel as well as underwriting appetite — a high rate is not an accusation, and a low one is not advice. Compare nationally: the top-100 table · the 15-market door map · all 52 states ranked · why each lender says no.