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Gordon County, Georgia
Mortgage lending record for properties in the county, calendar year 2024.
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Lenders reported 2,141 mortgage applications in Gordon County, Georgia, for 2024, and originated 1,227 loans worth $265m.
That is 57.5 originations per 1,000 households, against 55.9 for Georgia and 48.0 nationally.
The county's denial rate was 25.1%, close to the state rate of 26.9%. The median rate spread on originated loans was 0.5 percentage points and 17.1% of originations were 1.5 points or more above the average prime offer rate.
24 lenders reached 25 applications in the county; the most active by originations were Rocket Mortgage (94), United Wholesale Mortgage (80) and Family Savings Credit Union (59).
Originations were about level with 2023.
Most active lenders
| # | Lender | Applications | Originations | Amount | Denial rate | Median spread |
|---|---|---|---|---|---|---|
| 1 | Rocket Mortgage | 127 | 94 | $19m | 18.6% | — |
| 2 | United Wholesale Mortgage | 100 | 80 | $20m | 5.7% | — |
| 3 | Family Savings Credit Union | 76 | 59 | $4.9m | 21.3% | — |
| 4 | Regions Bank | 80 | 49 | $5.2m | 35.5% | — |
| 5 | Synovus Bank | 66 | 43 | $7.0m | 27.1% | — |
| 6 | Movement Mortgage, LLC | 54 | 41 | $8.6m | 0.0% | — |
| 7 | Nvr Mortgage Finance, Inc. | 55 | 39 | $11m | 27.8% | — |
| 8 | Guaranteed Rate, Inc. | 52 | 37 | $8.6m | 5.1% | — |
| 9 | SWBC Mortgage Corporation | 55 | 35 | $7.8m | 7.7% | — |
| 10 | Fairway Independent Mort Corp | 50 | 33 | $9.0m | 8.1% | — |
| 11 | North Georgia National Bank | 29 | 25 | $3.4m | 7.4% | — |
| 12 | Truist Bank | 51 | 24 | $4.9m | 48.9% | — |
| 13 | Ameris Bank | 33 | 21 | $6.1m | 24.1% | — |
| 14 | Pennymac Loan Services LLC | 43 | 20 | $5.0m | 20.0% | — |
| 15 | Crosscountry Mortgage, LLC | 31 | 20 | $4.6m | — | — |
| 16 | Nj Lenders Corp | 28 | 20 | $4.7m | — | — |
| 17 | Vanderbilt Mortgage and Finance, Inc | 99 | 17 | $3.5m | 62.5% | — |
| 18 | Mortgage Research Center | 32 | 14 | $4.2m | — | — |
| 19 | Freedom Mortgage Corporation | 33 | 13 | $2.8m | — | — |
| 20 | Amerisave Mortgage Company | 34 | 12 | $1.2m | 48.0% | — |
| 21 | Bank Ozk | 35 | 8 | $770k | — | — |
| 22 | Discover Bank | 39 | 7 | $555k | 73.1% | — |
| 23 | 21st Mortgage | 36 | 7 | $735k | — | — |
| 24 | Triad Financial Services, Inc. | 28 | 4 | $360k | 64.3% | — |
Lenders with at least 25 applications in the county, by originations; up to 40 shown of 24. Denial rate is denials over decided applications in this county.
Compared with Georgia and the nation
| Measure | This county | Georgia | United States |
|---|---|---|---|
| Denial rate | 25.1% | 26.9% | 24.3% |
| Median rate spread, pp | 0.5 | 0.4 | 0.3 |
| Originations with spread of 1.5 pp or more | 17.1% | 17.5% | 15.6% |
| Average originated loan | $216k | $313k | $329k |
| Originations per 1,000 households | 57.5 | 55.9 | 48.0 |
| Home purchase share of originations | 52.7% | 57.0% | 57.0% |
| FHA-insured share | 24.0% | 18.3% | 13.4% |
| VA-guaranteed share | 8.7% | 11.6% | 7.9% |
Rate spread distribution
Share of 1,111 originated loans with a reported rate spread, by spread over the average prime offer rate (outlined bar: Georgia). Loans at 1.5 points or more on a first lien are what Regulation C calls higher-priced.
Loan purpose and loan type
By purpose
Home purchase 53% (647)Home improvement 5% (60)Refinancing 13% (160)Cash-out refinancing 16% (196)Other purpose 13% (164)
By type
Conventional 65% (793)FHA 24% (294)VA 9% (107)USDA 3% (33)
Trend by year
ApplicationsOriginations
This countyGeorgia
Questions and answers
Which lenders are most active in Gordon County, GA?
By 2024 originations: Rocket Mortgage (94), United Wholesale Mortgage (80), Family Savings Credit Union (59), Regions Bank (49), Synovus Bank (43). 24 lenders had at least 25 applications in the county.
What is the mortgage denial rate in Gordon County?
25.1% of decided applications were denied in 2024, against 26.9% across Georgia and 24.3% nationally.
How many mortgages were originated in Gordon County in 2024?
1,227 loans totalling $265m, from 2,141 applications; 57.5 originations per 1,000 households.
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), by property county; households from the Census Bureau American Community Survey 2024 five-year estimates.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records with a property in county FIPS 13129; households and population from the U.S. Census Bureau (ACS 2024 five-year estimates; Vintage 2024 population estimates). Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.