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Washington 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.
Washington County, Georgia, saw 388 HMDA-reported applications and 143 originations ($26m) in 2024.
That is 19.5 originations per 1,000 households, against 55.9 for Georgia and 48.0 nationally.
The county's denial rate was 48.3%, above the state rate of 26.9%. The median rate spread on originated loans was 0.5 percentage points and 20.0% of originations were 1.5 points or more above the average prime offer rate.
3 lenders reached 25 applications in the county; the most active by originations were Rocket Mortgage (29), 21st Mortgage (6) and Vanderbilt Mortgage and Finance, Inc (2).
Originations were up 18% on 2023.
Most active lenders
| # | Lender | Applications | Originations | Amount | Denial rate | Median spread |
|---|---|---|---|---|---|---|
| 1 | Rocket Mortgage | 44 | 29 | $5.5m | 23.7% | — |
| 2 | 21st Mortgage | 44 | 6 | $590k | 79.3% | — |
| 3 | Vanderbilt Mortgage and Finance, Inc | 51 | 2 | $280k | 93.3% | — |
Lenders with at least 25 applications in the county, by originations; up to 40 shown of 3. Denial rate is denials over decided applications in this county.
Compared with Georgia and the nation
| Measure | This county | Georgia | United States |
|---|---|---|---|
| Denial rate | 48.3% | 26.9% | 24.3% |
| Median rate spread, pp | 0.5 | 0.4 | 0.3 |
| Originations with spread of 1.5 pp or more | 20.0% | 17.5% | 15.6% |
| Average originated loan | $178k | $313k | $329k |
| Originations per 1,000 households | 19.5 | 55.9 | 48.0 |
| Home purchase share of originations | 60.8% | 57.0% | 57.0% |
| FHA-insured share | 30.1% | 18.3% | 13.4% |
| VA-guaranteed share | 20.3% | 11.6% | 7.9% |
Rate spread distribution
Share of 135 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 61% (87)Home improvement 5% (7)Refinancing 12% (17)Cash-out refinancing 18% (26)Other purpose 4% (6)
By type
Conventional 48% (68)FHA 30% (43)VA 20% (29)USDA 2% (3)
Trend by year
ApplicationsOriginations
This countyGeorgia
Questions and answers
Which lenders are most active in Washington County, GA?
By 2024 originations: Rocket Mortgage (29), 21st Mortgage (6), Vanderbilt Mortgage and Finance, Inc (2). 3 lenders had at least 25 applications in the county.
What is the mortgage denial rate in Washington County?
48.3% of decided applications were denied in 2024, against 26.9% across Georgia and 24.3% nationally.
How many mortgages were originated in Washington County in 2024?
143 loans totalling $26m, from 388 applications; 19.5 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 13303; households and population from the U.S. Census Bureau (ACS 2024 five-year estimates; Vintage 2024 population estimates). Built 1 Oct 2026; data through 1 Aug 2026. See methodology and corrections.