PlainLender

GA · Statewide HMDA 2024

Georgia mortgage lending

According to the CFPB HMDA 2024 Snapshot, 1,053 reporting lenders · 159 counties · 16 metros.

Top lenders ↓ All states

Volume rank is not origination-share rank

According to the CFPB HMDA 2024 Snapshot, Georgia ranks #5 of 54 by application volume but #48 of 52 states with 10,000+ applications on origination share (47.6%). Wisconsin leads that origination-share board at 64.0% on 214,597 applications. Volume rank is not origination-share rank.

#48
Origination-share rank of 52
47.6%
Origination share
227,651
Originated
18.5%
Denial rate

According to the CFPB HMDA 2024 Snapshot. Origination share is originated divided by applications among states and territories with 10,000+ applications (the same floor as the national denial board). See /methodology#corpus-placement. Informational reporting, not mortgage advice.

CFPB HMDA state filing plate

State GA · Georgia 18.5% denial

VOL-HEAVY · DEN-MID · PHOTO-FINISH · ORIG-FLOOR · BOOK-FULL · LEAD-MIX

  • VOL-HEAVY #5/54
  • DEN-MID 18.5%
  • PHOTO-FINISH Kentucky
  • ORIG-FLOOR 47.6%
  • BOOK-FULL 1053 lenders
  • LEAD-MIX 8% top

Photo-finish peer: Kentucky · 18.6% denial (+0.0pp vs Georgia)

2024 HMDA Snapshot state sheet, volume rank, denial band, origination share, and reporter book. Informational reporting only.

Denial-rate neighbourhood · Georgia

Poles and nearest peers by statewide HMDA denial rate, not a full state roster.

Denial band
Hawaii · highest22.4%Kentucky · near18.6%Georgia · this state18.5%Michigan · near18.4%Pennsylvania · near18.4%New Mexico · near18.2%Guam · lowest7.6%

Nationwide states with similar HMDA denial rate or application volume

Two statewide peer sets for Georgia: nearest jurisdictions by denial rate and by mortgage applications filed. These are cross-state neighborhoods, distinct from the denial-band chart above.

Similar denial rate

Nearest states by statewide denial rate (18.5% here).

Kentucky 18.6% · KY Michigan 18.4% · MI Pennsylvania 18.4% · PA New Mexico 18.2% · NM

Similar application volume

Nearest states by HMDA applications filed (478,245 here).

North Carolina 494,037 apps · NC Ohio 461,038 apps · OH Illinois 394,313 apps · IL New York 383,754 apps · NY Virginia 351,125 apps · VA Arizona 324,331 apps · AZ

Top lenders by originations · Georgia

Funded loans among HMDA-reporting institutions active in this state.

State market
1. Rocket Mortgage19K2. United Wholesale Mortgage14K3. Ameris Bank6K4. Navy Federal Credit Union6K5. Truist Bank4K6. New American Funding, LLC.4K7. Mortgage Research Center4K8. Pennymac Loan Services LLC4K

Where Georgia sits by application volume

2024 CFPB HMDA states and territories, bucketed by mortgage applications filed

478,245 Top 9% higher than 91% of 54 states and territories

This state 0 1,200,000 states and territories, grouped by applications

Each bar is a 150,000-applications band. The dashed line and filled bar mark this state. Hover, tap, or focus a bar for its count and population share.

Source CFPB Home Mortgage Disclosure Act Snapshot National Loan-Level Dataset · 2024 reporting year

Top counties by originations · Georgia

In-state county volume from the same HMDA county board linked below.

County mix
1. Fulton County21K2. Gwinnett County19K3. Cobb County16K4. DeKalb County14K5. Cherokee County8K6. Forsyth County7K7. Henry County7K8. Chatham County7K

How to read this state sheet. Georgia filed 478,245 HMDA-reported applications in 2024 (#5 of 54 by volume) with a 18.5% denial rate - near the national 17.2% baseline. White applicants (199,246 apps) show 17.3% denial; Black or African American applicants (101,464 apps) show 27.3% denial - rates on groups below 100 applications are marked too small to read. This page is informational data reporting, not financial, legal, or mortgage advice.

Nearby Lenders in Georgia

Top HMDA-reporting lenders active in Georgia. Compare any two side-by-side for rates, denial rates, and loan mix.

# Lender Originated Market Share
1 Rocket Mortgage 19,055 8.4%
2 United Wholesale Mortgage 14,486 6.4%
3 Ameris Bank 6,115 2.7%
4 Navy Federal Credit Union 5,575 2.4%
5 Truist Bank 4,129 1.8%
Compare Rocket Mortgage vs United Wholesale Mortgage →

Reported outcomes by applicant race in Georgia

CFPB derived race categories. HMDA carries no credit score, debt-to-income ratio or down payment, so a gap between these rows is an outcome difference and never, on its own, evidence of discrimination.

Race Applications Approval Rate Denial Rate
White 199,246 59.4% 17.3%
Black or African American 101,464 44.9% 27.3%
Asian 27,204 59.4% 14.8%
Joint 6,158 58.3% 16.5%
American Indian or Alaska Native 1,671 41.8% 27.6%
2 or more minority races 1,445 40.6% 31.5%
Native Hawaiian or Other Pacific Islander 697 42.6% 31.7%

Every county in Georgia, by lending volume

County totals sum the filings geocoded to that county, so they reconcile to the state row above rather than to any single lender's book.

County Applications Originated Denial Rate Avg Loan
Fulton County 46,804 21,488 19.0% $553,673
Gwinnett County 41,208 19,033 19.5% $488,328
Cobb County 32,979 16,358 17.3% $394,554
DeKalb County 30,074 13,656 19.7% $367,798
Cherokee County 16,021 8,342 14.0% $550,804
Henry County 15,726 6,659 22.3% $304,029
Forsyth County 14,732 7,339 15.9% $530,536
Chatham County 13,260 6,625 17.1% $434,409
Clayton County 11,901 4,689 23.7% $252,622
Paulding County 10,850 5,439 15.8% $336,858
Hall County 8,701 4,338 18.3% $361,805
Houston County 8,657 4,508 14.2% $268,039
Columbia County 8,275 4,232 13.7% $314,940
Douglas County 7,848 3,430 21.2% $317,574
Coweta County 7,756 4,027 16.1% $298,823
Richmond County 6,937 3,149 19.5% $200,530
Muscogee County 6,671 3,196 15.9% $201,260
Newton County 6,453 2,764 21.3% $269,554
Jackson County 6,182 3,145 14.1% $368,004
Fayette County 6,095 2,872 20.4% $396,019
Bartow County 5,896 3,154 14.3% $267,105
Barrow County 5,768 2,770 16.4% $260,784
Carroll County 5,652 2,702 17.4% $263,461
Walton County 5,651 2,772 16.7% $318,323
Rockdale County 5,491 2,245 23.3% $268,808
Bibb County 5,396 2,608 19.1% $213,821
Lowndes County 4,766 2,511 17.0% $212,675
Liberty County 4,343 2,054 14.3% $222,762
Effingham County 3,986 1,992 16.1% $274,210
Floyd County 3,780 1,847 18.7% $237,130
Spalding County 3,593 1,669 15.9% $239,584
Camden County 3,528 1,825 13.6% $263,438
Glynn County 3,402 1,848 16.4% $367,369
Whitfield County 3,397 1,653 21.1% $224,084
Walker County 3,339 1,614 18.4% $200,843
Catoosa County 3,316 1,648 17.9% $199,569
Clarke County 3,300 1,756 13.8% $290,497
Bryan County 2,969 1,582 13.6% $928,897
Troup County 2,872 1,305 19.4% $212,692
Dawson County 2,676 1,370 11.9% $357,373
Bulloch County 2,585 1,319 16.9% $254,149
Gordon County 2,435 1,227 17.7% $210,454
Pickens County 2,122 1,043 16.3% $576,489
Dougherty County 2,110 1,034 22.0% $173,853
Gilmer County 1,999 1,043 17.2% $289,592
Habersham County 1,997 1,018 16.0% $225,105
Oconee County 1,808 1,031 13.2% $365,420
Long County 1,770 953 13.4% $245,034
Harris County 1,770 888 14.7% $384,475
Polk County 1,717 790 18.5% $193,096
Lumpkin County 1,618 780 19.8% $251,867
Fannin County 1,577 876 15.5% $366,725
Thomas County 1,492 736 23.9% $211,776
White County 1,443 736 18.1% $236,635
Haralson County 1,442 676 19.1% $216,872
Lee County 1,429 773 17.2% $205,357
Union County 1,398 759 16.2% $254,485
Laurens County 1,374 599 24.9% $170,175
Peach County 1,353 599 19.3% $191,135
Monroe County 1,350 720 16.3% $274,593
Murray County 1,312 599 21.6% $176,784
Wayne County 1,285 623 21.5% $177,584
Madison County 1,248 620 19.5% $300,729
Butts County 1,240 597 17.9% $254,766
Stephens County 1,161 551 19.3% $201,322
Baldwin County 1,109 504 18.8% $225,225
Hart County 1,107 596 14.7% $233,130
Colquitt County 1,074 444 33.0% $162,272
Putnam County 1,073 547 15.7% $334,609
Jones County 1,072 478 23.1% $190,821
Greene County 1,038 574 13.9% $1,174,692
Tift County 1,036 475 23.0% $194,392
Ware County 1,034 466 26.0% $184,188
Lamar County 942 490 17.9% $449,597
Meriwether County 942 413 20.0% $205,839
Franklin County 940 456 17.9% $201,415
Upson County 933 490 17.5% $933,832
Jasper County 925 463 14.9% $247,292
Chattooga County 881 425 21.6% $157,304
Morgan County 849 426 19.6% $308,710
Pike County 835 458 15.8% $254,916
Banks County 813 418 17.2% $655,049
Coffee County 780 367 22.8% $167,154
Rabun County 777 414 16.5% $361,293
Decatur County 756 359 25.9% $186,878
McIntosh County 722 366 18.1% $213,518
Grady County 715 292 31.6% $170,091
Brantley County 702 305 22.5% $153,120
Berrien County 698 279 26.8% $159,613
Burke County 693 321 22.8% $183,918
McDuffie County 690 334 18.0% $196,304
Elbert County 681 276 24.1% $159,053
Pierce County 677 362 17.7% $161,248
Dade County 676 358 17.9% $195,754
Oglethorpe County 654 325 17.3% $217,737
Towns County 646 330 16.9% $264,954
Tattnall County 624 332 20.4% $147,452
Worth County 615 220 30.6% $154,642
Sumter County 614 283 25.1% $170,879
Mitchell County 583 186 37.6% $140,866
Cook County 573 218 28.4% $183,185
Toombs County 565 224 24.4% $165,920
Lanier County 518 284 20.1% $185,232
Brooks County 494 214 27.3% $144,393
Dodge County 491 192 29.7% $151,415
Appling County 465 190 28.0% $155,151
Heard County 449 205 20.7% $205,735
Emanuel County 429 155 32.4% $159,662
Crisp County 421 196 24.5% $166,829
Washington County 419 143 34.1% $164,928
Bleckley County 386 177 18.9% $157,409
Jefferson County 385 172 24.9% $159,052
Charlton County 350 139 27.1% $161,686
Screven County 345 143 27.0% $154,942
Pulaski County 336 163 22.6% $172,470
Crawford County 331 143 23.6% $147,085
Ben Hill County 327 130 25.1% $132,339
Evans County 315 161 22.2% $172,143
Seminole County 312 162 23.7% $133,878
Early County 302 151 28.5% $138,278
Jeff Davis County 299 111 33.8% $149,047
Lincoln County 297 172 15.8% $220,859
Wilkes County 288 127 22.6% $159,722
Terrell County 277 131 24.2% $135,036
Marion County 257 98 27.6% $147,451
Candler County 250 116 26.0% $182,800
Turner County 238 97 32.4% $129,328
Telfair County 226 72 35.8% $159,602
Talbot County 224 77 21.9% $176,473
Miller County 217 103 23.0% $134,493
Dooly County 215 90 25.1% $140,302
Bacon County 211 102 23.2% $136,706
Twiggs County 211 81 31.8% $150,687
Irwin County 208 86 27.4% $134,375
Hancock County 205 93 25.4% $229,780
Taylor County 204 86 34.8% $134,559
Macon County 204 76 33.8% $137,157
Wilkinson County 202 81 29.7% $145,990
Johnson County 176 66 29.6% $145,170
Jenkins County 175 70 29.1% $183,400
Schley County 167 69 28.1% $162,725
Montgomery County 152 58 32.9% $183,947
Clinch County 144 69 29.2% $124,931
Wilcox County 138 43 37.0% $140,290
Warren County 133 45 39.1% $164,023
Atkinson County 126 44 38.9% $131,349
Randolph County 120 43 40.8% $109,417
Treutlen County 110 33 36.4% $152,909
Stewart County 109 27 50.5% $141,514
Clay County 102 42 29.4% $160,098
Calhoun County 101 33 36.6% $107,178
Quitman County 91 28 33.0% $114,341
Wheeler County 90 36 37.8% $126,444
Glascock County 85 41 17.6% $194,059
Chattahoochee County 76 27 34.2% $167,763
Echols County 55 25 34.5% $115,909
Webster County 53 12 43.4% $201,226
Baker County 50 15 28.0% $134,600
Taliaferro County 44 15 27.3% $143,864

Metro Areas in Georgia

Atlanta-Sandy Springs-Roswell
103,886 loans originated
19.3%
denial rate
Marietta
33,973 loans originated
16.0%
denial rate
Chattanooga
13,488 loans originated
16.6%
denial rate
Augusta-Richmond County
12,727 loans originated
16.8%
denial rate
Savannah
10,205 loans originated
16.4%
denial rate
Columbus
5,534 loans originated
17.1%
denial rate
Warner Robins
5,108 loans originated
14.9%
denial rate
Gainesville
4,342 loans originated
18.3%
denial rate
Macon-Bibb County
4,030 loans originated
19.6%
denial rate
Athens-Clarke County
3,733 loans originated
14.9%
denial rate
Hinesville
3,007 loans originated
14.0%
denial rate
Valdosta
3,034 loans originated
18.3%
denial rate
Brunswick-St. Simons
2,519 loans originated
17.6%
denial rate
Dalton
2,252 loans originated
21.2%
denial rate
Albany
2,158 loans originated
21.8%
denial rate
Rome
1,847 loans originated
18.7%
denial rate

Frequently Asked Questions

How many mortgage applications were filed in Georgia?
In the 2024 HMDA reporting year, 478,245 mortgage applications were filed in Georgia. Of these, 227,651 were originated (approved and funded), while 88,540 were denied, resulting in a denial rate of 18.5%.
Where does Georgia sit among U.S. states for mortgage volume?
According to CFPB HMDA 2024 application volume across U.S. states and territories, Georgia ranks #5 of 54. On origination share (originated divided by applications, 10,000-application floor) it ranks #48 of 52 at 47.6%. The /states hub sorts by application volume for this ranking basis. See /methodology#corpus-placement.
What is the mortgage denial rate in Georgia?
The mortgage denial rate in Georgia is 18.5%, meaning 18.5% of all applications were denied by lenders. The approval (origination) rate is 47.6%.
What is the average mortgage loan amount in Georgia?
The average mortgage loan amount in Georgia is $359,941. The average interest rate across all loan types is 7.089%.
How many mortgage lenders operate in Georgia?
1,053 mortgage lenders reported HMDA data for Georgia. These include banks, credit unions, and independent mortgage companies that filed lending activity for this state.
How do mortgage denial rates vary by demographics in Georgia?
Georgia reports demographic lending data under HMDA. White applicants (199,246 applications) have an approval rate of 59.4% and denial rate of 17.3%; Black or African American applicants (101,464 applications) have an approval rate of 44.9% and denial rate of 27.3%; Asian applicants (27,204 applications) have an approval rate of 59.4% and denial rate of 14.8%. These figures reflect derived race categories as reported by applicants, and cover only groups with at least 100 applications, since a rate computed on a handful of applications is not readable.
Which counties in Georgia have the most mortgage activity?
The top counties by mortgage volume in Georgia are Fulton County (21,488 originations), Gwinnett County (19,033 originations), Cobb County (16,358 originations). There are 159 counties with HMDA mortgage data in the state.

Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. State geography per U.S. Census Bureau standards.

Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Demographic data reflects derived categories as reported by applicants. Provided for informational purposes only.

Read our methodology - how this data is sourced, computed, and verified.

Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.