GEORGIA UNITED
GEORGIA UNITED received 3,222 applications in 2025 and made 1,646 mortgages, in 137 counties across 11 states. The median rate its borrowers got was 7.375% on a median loan of $95,000. Of 2,820 decisions, 1,147 were denials — 40.7%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300TE5E6DWAI74K71 |
|---|---|
| Applications received | 3,222 |
| Mortgages made | 1,646 |
| Denied | 1,147 |
| Approved, not taken up | 27 |
| Withdrawn or incomplete | 402 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.198 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 237 | 7.000% | $205,000 | 34.9% |
| Refinancing | 352 | 7.500% | $115,000 | 13.7% |
| Cash-out refinancing | 47 | 6.625% | $155,000 | 32.9% |
| Other purposes | 1,010 | 7.500% | $75,000 | 47.7% |
Where GEORGIA UNITED lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| DeKalb County, GA | 258 | 7.500% | 43.1% |
| Gwinnett County, GA | 166 | 7.375% | 43.8% |
| Fulton County, GA | 154 | 7.438% | 35.4% |
| Forsyth County, GA | 135 | 7.250% | 29.7% |
| Whitfield County, GA | 130 | 7.375% | 37.4% |
| Cobb County, GA | 83 | 7.375% | 31.2% |
| Henry County, GA | 64 | 7.375% | 50.0% |
| Clarke County, GA | 59 | 7.250% | 25.9% |
| Cherokee County, GA | 58 | 7.375% | 24.7% |
| Newton County, GA | 54 | 7.188% | 44.0% |
| Rockdale County, GA | 35 | 7.625% | 54.4% |
| Walton County, GA | 35 | 7.375% | 25.5% |
| Hall County, GA | 34 | 7.313% | 33.3% |
| Murray County, GA | 24 | 7.500% | 47.8% |
| Clayton County, GA | 23 | 7.500% | 42.9% |
| Bartow County, GA | 22 | 7.500% | 41.0% |
| Barrow County, GA | 21 | 7.500% | 40.0% |
| Laurens County, GA | 19 | 7.500% | 47.2% |
| Oconee County, GA | 19 | 7.250% | 32.1% |
| Fayette County, GA | 15 | 7.250% | 31.8% |
| Jackson County, GA | 15 | 7.375% | 44.4% |
| Madison County, GA | 15 | 7.500% | 28.6% |
| Habersham County, GA | 12 | 7.750% | 57.1% |
| Douglas County, GA | 11 | 8.000% | 50.0% |
| Coweta County, GA | 10 | 7.438% | 28.6% |
| Dawson County, GA | 9 | Under 10 loans | 25.0% |
| Butts County, GA | 8 | Under 10 loans | 35.7% |
| Paulding County, GA | 8 | Under 10 loans | 47.1% |
| Floyd County, GA | 7 | Under 10 loans | 41.7% |
| Morgan County, GA | 6 | Under 10 loans | 25.0% |
| Spalding County, GA | 6 | Under 10 loans | 25.0% |
| Walker County, GA | 6 | Under 10 loans | 14.3% |
| Carroll County, GA | 5 | Under 10 loans | 68.8% |
| Catoosa County, GA | 5 | Under 10 loans | 54.6% |
| Chatham County, GA | 5 | Under 10 loans | 54.6% |
| Elbert County, GA | 5 | Under 10 loans | 28.6% |
| Gilmer County, GA | 5 | Under 10 loans | 16.7% |
| Gordon County, GA | 5 | Under 10 loans | 46.2% |
| Jasper County, GA | 5 | Under 10 loans | 44.4% |
| Lumpkin County, GA | 5 | Under 10 loans | 44.4% |
| Oglethorpe County, GA | 5 | Under 10 loans | 58.3% |
| White County, GA | 4 | Under 10 loans | 20.0% |
| Baldwin County, GA | 3 | Under 10 loans | 25.0% |
| Banks County, GA | 3 | Under 10 loans | 25.0% |
| Bulloch County, GA | 3 | Under 10 loans | 25.0% |
| Lamar County, GA | 3 | Under 10 loans | 62.5% |
| Monroe County, GA | 3 | Under 10 loans | 50.0% |
| Pickens County, GA | 3 | Under 10 loans | 25.0% |
| Stephens County, GA | 3 | Under 10 loans | 25.0% |
| Columbia County, GA | 2 | Under 10 loans | 66.7% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.