Georgia United mortgage approval rate & lending review
Georgia United decided 3,336 mortgage applications and funded 2,220 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Georgia United reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Georgia United at a glance
Approval is 1.6 points below the 69.4% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 70% | 435 / 617 | 98% | $215K | 427 |
| Home improvement loans | 66% | 1,362 / 2,050 | 98% | $65K | 1,330 |
| Cash-out refinance | 61% | 86 / 140 | 99% | $145K | 85 |
| Refinance | 84% | 305 / 365 | 100% | $115K | 305 |
| Investment property purchase | 60% | 31 / 52 | 100% | $205K | 31 |
| Investment cash-out refinance | 56% | 27 / 48 | 100% | $155K | 27 |
| Investment home improvement | 21% | 12 / 57 | 100% | $55K | 12 |
Georgia United lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Georgia | 68% | $65K | 3,287 | 2,199 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Georgia United lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| DeKalb County, GA | Home improvement loans | 62% | 507 | 306 |
| Gwinnett County, GA | Home improvement loans | 65% | 248 | 158 |
| Fulton County, GA | Home improvement loans | 68% | 220 | 144 |
| Forsyth County, GA | Home improvement loans | 75% | 165 | 121 |
| Whitfield County, GA | Home improvement loans | 71% | 173 | 120 |
| Whitfield County, GA | Mortgage lenders | 75% | 129 | 96 |
| Cobb County, GA | Home improvement loans | 71% | 114 | 80 |
| Henry County, GA | Home improvement loans | 59% | 135 | 78 |
| Clarke County, GA | Home improvement loans | 77% | 83 | 63 |
| Newton County, GA | Home improvement loans | 60% | 84 | 49 |
| DeKalb County, GA | Refinance | 78% | 59 | 46 |
| Forsyth County, GA | Refinance | 88% | 48 | 42 |
The county markets where Georgia United made the most loans. Each link opens that market with every lender ranked.
Questions about Georgia United
What is Georgia United's mortgage approval rate?
Georgia United approved 67.8% of the 3,336 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 1.6 points below the 69.4% national rate for the same mix of loan types.
How often do borrowers take the loan Georgia United offers?
Borrowers accepted 98% of the loans Georgia United approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Georgia United make?
The typical home improvement loan loan Georgia United made was $65K; across all loan types its typical loan ran from $55K to $215K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Georgia United lend?
Georgia United decided applications in 16 of the states Fat Boy Data covers, most of them in Georgia, Florida and Tennessee.
Can I apply to Georgia United directly?
Yes. Georgia United is a bank or credit union with 15 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Georgia United's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Georgia United treats applications, then get a rate quote from the lender.