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DHI Mortgage Company, LTD. in Georgia

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

LEI 5493001SXWZ4OFP8Z903
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.

DHI Mortgage Company, LTD.'s 2024 HMDA record for Georgia covers 4,086 applications, 3,048 of them originated, worth $1.1bn.

Its denial rate in the state was 11.8%, below the Georgia rate of 26.9% across all lenders and compared with the lender's national rate of 12.2%.

The median rate spread on its Georgia originations was -0.9 percentage points (state median 0.4).

Applications in the state were up 28% on 2023.

4,086applications in GA, 20244.3% of the lender's total
3,048loans originated$1.1bn
11.8%denial rateGA all lenders 26.9%
-0.9 ppmedian rate spreadGA 0.4 pp

Compared with the state and the lender's national record

MeasureIn GeorgiaGeorgia, all lendersDHI Mortgage Company, LTD., all statesUnited States
Denial rate11.8%26.9%12.2%24.3%
Median rate spread, pp-0.90.4-1.00.3
Originations with spread of 1.5 pp or more0.2%17.5%0.2%15.6%
Average originated loan$356k$313k$340k$329k
Home purchase share100.0%57.0%100.0%57.0%
FHA-insured share42.3%18.3%42.6%13.4%
VA-guaranteed share19.1%11.6%16.5%7.9%

Trend by year

ApplicationsOriginations

02,0434,0862022: 3,588 Applications2023: 3,187 Applications2024: 4,086 Applications2022: 2,752 Originations2023: 2,456 Originations2024: 3,048 Originations202220232024
DHI Mortgage Company, LTD. in Georgia: applications and originations, 2022–2024

This lender in stateGeorgia, all lenders

0%14.2%28.4%2022: 9.1% This lender in state2023: 10.3% This lender in state2024: 11.8% This lender in state202220232024
Denial rate by year, state rate dashed

Loan purpose and loan type in Georgia

By purpose

Home purchase 100% (3,048)

By type

Conventional 38% (1,162)FHA 42% (1,290)VA 19% (582)USDA 0% (14)

Denial reasons as coded

Debt-to-income ratio55%
Credit history24.2%
Unverifiable information9%
Insufficient cash (downpayment, closing costs)5.8%
Other2.9%
Employment history2.4%
Collateral0.5%
Credit application incomplete0.2%
Mortgage insurance denied0%

Share of 413 denials in Georgia by first denial reason coded (outlined bar: all lenders in the state).

Counties in Georgia

CountyApplicationsOriginationsAmountDenial rate
Gwinnett County371277$108m9.1%
Chatham County417267$79m22.7%
Fulton County316240$89m11.4%
Paulding County278239$86m5.9%
Henry County317205$74m19.8%
Lowndes County214146$41m13.7%
Forsyth County165142$78m4.0%
DeKalb County191132$44m15.2%
Jackson County145118$45m11.3%
Barrow County125110$40m4.3%
Dawson County130107$40m5.2%
Cobb County144106$40m9.4%
Douglas County11796$42m8.6%
Columbia County12189$29m10.9%
Walker County12183$22m10.8%
Camden County8773$18m9.9%
Bryan County8662$23m15.1%
Houston County7460$16m6.3%
Bartow County6858$21m6.5%
Newton County8557$22m8.1%
Richmond County5647$13m7.7%
Clayton County5945$15m13.5%
Oconee County4943$19m0.0%
Glynn County6042$11m8.3%
Coweta County5639$19m9.3%
Liberty County5533$8.6m32.0%
Effingham County5132$9.8m22.0%
Lumpkin County3630$8.2m9.1%
Walton County3126$11m3.7%

Counties with at least 25 applications, by originations.

Questions and answers

How many mortgages did DHI Mortgage Company, LTD. originate in Georgia in 2024?

3,048 loans totalling $1.1bn, from 4,086 applications reported for properties in Georgia.

What is DHI Mortgage Company, LTD.'s denial rate in Georgia?

11.8% of decided applications in Georgia were denied, against 26.9% for all lenders in the state and 12.2% 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 DHI Mortgage Company, LTD. lend in most?

By originations: Gwinnett County (277), Chatham County (267), Fulton County (240), Paulding County (239), Henry County (205).

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 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.