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Habersham 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 1,773 mortgage applications in Habersham County, Georgia, for 2024, and originated 1,019 loans worth $234m.
That is 60.8 originations per 1,000 households, against 55.9 for Georgia and 48.0 nationally.
The county's denial rate was 23.1%, below the state rate of 26.9%. The median rate spread on originated loans was 0.6 percentage points and 15.9% of originations were 1.5 points or more above the average prime offer rate.
19 lenders reached 25 applications in the county; the most active by originations were United Community Bank (81), Rocket Mortgage (80) and Homeowners Financial Group, LLC (67).
Originations were up 15% on 2023.
Most active lenders
| # | Lender | Applications | Originations | Amount | Denial rate | Median spread |
|---|---|---|---|---|---|---|
| 1 | United Community Bank | 119 | 81 | $13m | 25.7% | — |
| 2 | Rocket Mortgage | 108 | 80 | $17m | 13.5% | — |
| 3 | Homeowners Financial Group, LLC | 85 | 67 | $20m | 1.5% | — |
| 4 | United Wholesale Mortgage | 86 | 65 | $19m | 10.7% | — |
| 5 | SouthState Bank, N.A. | 81 | 55 | $8.3m | 26.3% | — |
| 6 | Pinnacle Bank | 61 | 39 | $7.8m | 12.8% | — |
| 7 | Fairway Independent Mort Corp | 46 | 33 | $8.7m | 5.7% | — |
| 8 | American Pacific Mortgage Corporation | 39 | 30 | $6.8m | 6.3% | — |
| 9 | Renasant Bank | 29 | 25 | $7.6m | 7.1% | — |
| 10 | Regions Bank | 70 | 23 | $4.1m | 50.0% | — |
| 11 | Stockton Mortgage Corporation | 34 | 23 | $6.7m | 11.1% | — |
| 12 | Union Home Mortgage Corp. | 26 | 19 | $4.9m | — | — |
| 13 | Sente Mortgage, Inc. | 25 | 16 | $4.7m | — | — |
| 14 | 21st Mortgage | 77 | 15 | $2.6m | 64.0% | — |
| 15 | Pennymac Loan Services LLC | 32 | 15 | $2.4m | — | — |
| 16 | Mortgage Research Center | 32 | 13 | $3.8m | — | — |
| 17 | New American Funding, LLC. | 32 | 10 | $2.3m | — | — |
| 18 | Discover Bank | 38 | 8 | $540k | — | — |
| 19 | Amerisave Mortgage Company | 27 | 8 | $1.0m | — | — |
Lenders with at least 25 applications in the county, by originations; up to 40 shown of 19. Denial rate is denials over decided applications in this county.
Compared with Georgia and the nation
| Measure | This county | Georgia | United States |
|---|---|---|---|
| Denial rate | 23.1% | 26.9% | 24.3% |
| Median rate spread, pp | 0.6 | 0.4 | 0.3 |
| Originations with spread of 1.5 pp or more | 15.9% | 17.5% | 15.6% |
| Average originated loan | $230k | $313k | $329k |
| Originations per 1,000 households | 60.8 | 55.9 | 48.0 |
| Home purchase share of originations | 55.3% | 57.0% | 57.0% |
| FHA-insured share | 26.3% | 18.3% | 13.4% |
| VA-guaranteed share | 6.3% | 11.6% | 7.9% |
Rate spread distribution
Share of 928 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 55% (563)Home improvement 11% (110)Refinancing 10% (106)Cash-out refinancing 15% (154)Other purpose 8% (86)
By type
Conventional 66% (674)FHA 26% (268)VA 6% (64)USDA 1% (13)
Trend by year
ApplicationsOriginations
This countyGeorgia
Questions and answers
Which lenders are most active in Habersham County, GA?
By 2024 originations: United Community Bank (81), Rocket Mortgage (80), Homeowners Financial Group, LLC (67), United Wholesale Mortgage (65), SouthState Bank, N.A. (55). 19 lenders had at least 25 applications in the county.
What is the mortgage denial rate in Habersham County?
23.1% of decided applications were denied in 2024, against 26.9% across Georgia and 24.3% nationally.
How many mortgages were originated in Habersham County in 2024?
1,019 loans totalling $234m, from 1,773 applications; 60.8 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 13137; 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.