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Lumpkin 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.
Lumpkin County, Georgia, saw 1,446 HMDA-reported applications and 780 originations ($206m) in 2024.
That is 66.8 originations per 1,000 households, against 55.9 for Georgia and 48.0 nationally.
The county's denial rate was 28.1%, close to the state rate of 26.9%. The median rate spread on originated loans was 0.4 percentage points and 18.6% of originations were 1.5 points or more above the average prime offer rate.
13 lenders reached 25 applications in the county; the most active by originations were United Community Bank (71), United Wholesale Mortgage (64) and Rocket Mortgage (59).
Originations were up 13% on 2023.
Most active lenders
| # | Lender | Applications | Originations | Amount | Denial rate | Median spread |
|---|---|---|---|---|---|---|
| 1 | United Community Bank | 114 | 71 | $13m | 32.4% | — |
| 2 | United Wholesale Mortgage | 88 | 64 | $22m | 14.1% | — |
| 3 | Rocket Mortgage | 75 | 59 | $14m | 9.0% | — |
| 4 | DHI Mortgage Company, LTD. | 36 | 30 | $8.2m | 9.1% | — |
| 5 | Truist Bank | 69 | 28 | $7.5m | 53.2% | — |
| 6 | Ameris Bank | 37 | 25 | $11m | 10.3% | — |
| 7 | Fairway Independent Mort Corp | 38 | 23 | $7.1m | — | — |
| 8 | Pennymac Loan Services LLC | 29 | 16 | $4.6m | — | — |
| 9 | Regions Bank | 44 | 15 | $1.8m | 59.0% | — |
| 10 | Discover Bank | 34 | 11 | $1.0m | — | — |
| 11 | Navy Federal Credit Union | 30 | 11 | $2.2m | — | — |
| 12 | Bank Ozk | 26 | 11 | $2.2m | — | — |
| 13 | 21st Mortgage | 62 | 4 | $650k | 83.3% | — |
Lenders with at least 25 applications in the county, by originations; up to 40 shown of 13. Denial rate is denials over decided applications in this county.
Compared with Georgia and the nation
| Measure | This county | Georgia | United States |
|---|---|---|---|
| Denial rate | 28.1% | 26.9% | 24.3% |
| Median rate spread, pp | 0.4 | 0.4 | 0.3 |
| Originations with spread of 1.5 pp or more | 18.6% | 17.5% | 15.6% |
| Average originated loan | $265k | $313k | $329k |
| Originations per 1,000 households | 66.8 | 55.9 | 48.0 |
| Home purchase share of originations | 51.9% | 57.0% | 57.0% |
| FHA-insured share | 14.5% | 18.3% | 13.4% |
| VA-guaranteed share | 8.6% | 11.6% | 7.9% |
Rate spread distribution
Share of 692 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 52% (405)Home improvement 13% (99)Refinancing 12% (93)Cash-out refinancing 14% (111)Other purpose 9% (72)
By type
Conventional 76% (596)FHA 14% (113)VA 9% (67)USDA 1% (4)
Trend by year
ApplicationsOriginations
This countyGeorgia
Questions and answers
Which lenders are most active in Lumpkin County, GA?
By 2024 originations: United Community Bank (71), United Wholesale Mortgage (64), Rocket Mortgage (59), DHI Mortgage Company, LTD. (30), Truist Bank (28). 13 lenders had at least 25 applications in the county.
What is the mortgage denial rate in Lumpkin County?
28.1% of decided applications were denied in 2024, against 26.9% across Georgia and 24.3% nationally.
How many mortgages were originated in Lumpkin County in 2024?
780 loans totalling $206m, from 1,446 applications; 66.8 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 13187; 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.