Georgia Mortgage Lending
1,053 lenders reporting under HMDA
Statewide mortgage activity. Lenders filed 478,124 HMDA-reported mortgage applications in Georgia in 2024, originating 227,610 loans and denying 88,535. That puts the statewide denial rate at 18.5% and the approval (origination) rate at 47.6%. The average loan amount across Georgia was $359,934 at an average note rate of 7.09%. 1,053 distinct institutions, banks, credit unions, and independent mortgage companies, filed HMDA data covering activity in the state. Applications span 159 counties and 17 metropolitan areas.
What drives state-level differences. State mortgage denial rates reflect applicant mix more than lender stance. Credit profiles, loan-to-value ratios, debt-to-income, property type, and rural-versus-urban composition all move the number before any lender policy does. Demographic lending data reported under HMDA shows variation across applicant groups, for example, White applicants had an approval rate of 59.4% and denial rate of 17.3%; while Black or African American applicants had an approval rate of 44.9% and denial rate of 27.3%. These are derived race categories as reported by applicants and do not by themselves prove causation; credit score, income, and loan-to-value are not reported in HMDA and drive much of the underlying variation. Top counties by volume include Fulton County, Gwinnett County, Cobb County.
How to read this page. These are aggregate 2024 HMDA disclosures published by the Consumer Financial Protection Bureau, a federal transparency dataset, not a real-time market feed. A state-level number is useful for context but cannot tell you what rate, fees, or underwriting any individual lender will offer a specific borrower. This page is informational data reporting, not financial, legal, or mortgage advice. Shop at least three lenders, compare Loan Estimates line-by-line, and consult a licensed mortgage professional before applying. Data reflects the CFPB HMDA 2024 Snapshot National Loan-Level Dataset; demographic fields reflect derived categories as reported by applicants.
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 | 4,121 | 1.8% |
Lending by Race in Georgia
Derived race categories as reported under HMDA. Source: CFPB.
| Race | Applications | Approval Rate | Denial Rate |
|---|---|---|---|
| White | 199,168 | 59.4% | 17.3% |
| Black or African American | 101,444 | 44.9% | 27.3% |
| Asian | 27,195 | 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 | 1,444 | 40.6% | 31.5% |
| Native Hawaiian or Other Pacific Islander | 697 | 42.6% | 31.7% |
Counties in Georgia
| 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
Frequently Asked Questions
How many mortgage applications were filed in Georgia?
What is the mortgage denial rate in Georgia?
What is the average mortgage loan amount in Georgia?
How many mortgage lenders operate in Georgia?
How do mortgage denial rates vary by demographics in Georgia?
Which counties in Georgia have the most mortgage activity?
Mortgage Lending Guides
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.