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Figure Lending LLC in Georgia

HMDA record for properties in Georgia, calendar year 2024. National record · Georgia overview

LEI 254900UL88QFG0E40516
Reporting agency Department of Housing and Urban Development
State Georgia

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.

Figure Lending LLC's 2024 HMDA record for Georgia covers 3,482 applications, 1,693 of them originated, worth $119m.

Its denial rate in the state was 28.7%, close to the Georgia rate of 26.9% across all lenders and compared with the lender's national rate of 29.8%.

The median rate spread on its Georgia originations was 4.0 percentage points (state median 0.4).

Applications in the state were about level with 2023.

3,482applications in GA, 20244.7% of the lender's total
1,693loans originated$119m
28.7%denial rateGA all lenders 26.9%
4.0 ppmedian rate spreadGA 0.4 pp

Compared with the state and the lender's national record

MeasureIn GeorgiaGeorgia, all lendersFigure Lending LLC, all statesUnited States
Denial rate28.7%26.9%29.8%24.3%
Median rate spread, pp4.00.44.20.3
Originations with spread of 1.5 pp or more93.9%17.5%96.3%15.6%
Average originated loan$70k$313k$78k$329k
Home purchase share0.0%57.0%0.0%57.0%
FHA-insured share0.0%18.3%0.0%13.4%
VA-guaranteed share0.0%11.6%0.0%7.9%

Trend by year

ApplicationsOriginations

01925.53,8512022: 3,851 Applications2023: 3,560 Applications2024: 3,482 Applications2022: 1,640 Originations2023: 1,617 Originations2024: 1,693 Originations202220232024
Figure Lending LLC in Georgia: applications and originations, 2022–2024

This lender in stateGeorgia, all lenders

0%18.2%36.4%2022: 36.4% This lender in state2023: 33.8% This lender in state2024: 28.7% This lender in state202220232024
Denial rate by year, state rate dashed

Loan purpose and loan type in Georgia

By purpose

Home improvement 34% (582)Other purpose 66% (1,111)

By type

Conventional 100% (1,693)

Denial reasons as coded

Credit application incomplete48.7%
Debt-to-income ratio41.4%
Other6.3%
Collateral2.4%
Credit history1.2%
Employment history0%
Insufficient cash (downpayment, closing costs)0%
Unverifiable information0%
Mortgage insurance denied0%

Share of 939 denials in Georgia by first denial reason coded (outlined bar: all lenders in the state).

Counties in Georgia

CountyApplicationsOriginationsAmountDenial rate
Cobb County342182$14m25.0%
Fulton County375179$15m28.0%
Gwinnett County371171$12m34.0%
DeKalb County21194$6.7m30.2%
Forsyth County16781$6.4m26.7%
Cherokee County14578$5.8m26.6%
Henry County10151$3.5m33.7%
Paulding County9050$3.3m27.4%
Chatham County10049$3.5m23.4%
Hall County9947$3.3m26.3%
Coweta County7237$2.2m27.7%
Jackson County5630$2.3m18.5%
Columbia County5130$1.8m16.3%
Clayton County5827$1.6m37.5%
Effingham County4225$1.4m20.0%
Carroll County3924$1.5m27.8%
Muscogee County3724$1.3m22.9%
Catoosa County4023$1.2m23.1%
Fayette County5622$1.7m38.0%
Douglas County4021$1.3m25.7%
Newton County4420$1.1m35.9%
Houston County4320$1.1m34.1%
Richmond County4117$1.3m35.0%
Whitfield County3417$805k15.6%
Barrow County5216$1.2m43.5%
Walton County3916$830k43.2%
Bartow County2814$780k28.6%
Rockdale County3012$700k32.0%
Bibb County2911$645k37.0%
Glynn County299$895k—
Clarke County308$590k—

Counties with at least 25 applications, by originations.

Questions and answers

How many mortgages did Figure Lending LLC originate in Georgia in 2024?

1,693 loans totalling $119m, from 3,482 applications reported for properties in Georgia.

What is Figure Lending LLC's denial rate in Georgia?

28.7% of decided applications in Georgia were denied, against 26.9% for all lenders in the state and 29.8% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.

Which Georgia counties does Figure Lending LLC lend in most?

By originations: Cobb County (182), Fulton County (179), Gwinnett County (171), DeKalb County (94), Forsyth County (81).

Where does this data come from?

From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.

Provenance

Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Georgia. Built 1 Oct 2026; data through 1 Aug 2026. See methodology and corrections.