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Loandepot.com, LLC in Georgia
HMDA record for properties in Georgia, calendar year 2024. National record · Georgia overview
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.
Loandepot.com, LLC's 2024 HMDA record for Georgia covers 6,307 applications, 3,262 of them originated, worth $858m.
Its denial rate in the state was 34.6%, above the Georgia rate of 26.9% across all lenders and compared with the lender's national rate of 29.1%.
The median rate spread on its Georgia originations was 0.4 percentage points (state median 0.4).
Applications in the state were up 38% on 2023.
Compared with the state and the lender's national record
| Measure | In Georgia | Georgia, all lenders | Loandepot.com, LLC, all states | United States |
|---|---|---|---|---|
| Denial rate | 34.6% | 26.9% | 29.1% | 24.3% |
| Median rate spread, pp | 0.4 | 0.4 | 0.3 | 0.3 |
| Originations with spread of 1.5 pp or more | 21.7% | 17.5% | 16.9% | 15.6% |
| Average originated loan | $263k | $313k | $300k | $329k |
| Home purchase share | 36.7% | 57.0% | 51.5% | 57.0% |
| FHA-insured share | 30.2% | 18.3% | 26.4% | 13.4% |
| VA-guaranteed share | 13.0% | 11.6% | 10.4% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateGeorgia, all lenders
Loan purpose and loan type in Georgia
By purpose
Home purchase 37% (1,197)Home improvement 3% (107)Refinancing 5% (169)Cash-out refinancing 34% (1,093)Other purpose 21% (696)
By type
Conventional 57% (1,853)FHA 30% (984)VA 13% (424)USDA 0% (1)
Denial reasons as coded
Share of 1,765 denials in Georgia by first denial reason coded (outlined bar: all lenders in the state).
Counties in Georgia
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Gwinnett County | 929 | 542 | $176m | 29.2% |
| Cobb County | 476 | 292 | $82m | 24.7% |
| Fulton County | 483 | 239 | $67m | 36.8% |
| Cherokee County | 289 | 187 | $67m | 19.6% |
| Henry County | 315 | 153 | $43m | 42.7% |
| DeKalb County | 308 | 133 | $31m | 41.6% |
| Forsyth County | 166 | 81 | $23m | 25.7% |
| Clayton County | 181 | 79 | $13m | 43.7% |
| Jackson County | 114 | 75 | $22m | 22.4% |
| Chatham County | 147 | 74 | $15m | 32.7% |
| Dawson County | 92 | 74 | $32m | 6.3% |
| Paulding County | 133 | 71 | $16m | 29.5% |
| Coweta County | 124 | 66 | $20m | 31.0% |
| Hall County | 139 | 65 | $18m | 45.8% |
| Douglas County | 138 | 62 | $15m | 41.3% |
| Rockdale County | 159 | 58 | $15m | 50.4% |
| Fayette County | 84 | 51 | $16m | 16.4% |
| Houston County | 79 | 47 | $9.3m | 29.9% |
| Walton County | 75 | 44 | $12m | 35.3% |
| Newton County | 98 | 40 | $8.9m | 40.0% |
| Richmond County | 86 | 39 | $6.3m | 37.5% |
| Carroll County | 71 | 31 | $6.2m | 38.5% |
| Barrow County | 56 | 30 | $5.8m | 31.9% |
| Troup County | 68 | 29 | $5.5m | 42.6% |
| Columbia County | 63 | 28 | $5.3m | 48.1% |
| Bibb County | 57 | 27 | $4.6m | 45.3% |
| Effingham County | 54 | 27 | $6.0m | 30.0% |
| Bartow County | 53 | 24 | $4.6m | 35.9% |
| Muscogee County | 57 | 22 | $2.5m | 51.1% |
| Camden County | 29 | 22 | $4.7m | 15.4% |
| Bryan County | 34 | 21 | $5.6m | 24.1% |
| Pickens County | 35 | 20 | $7.5m | 30.0% |
| Whitfield County | 27 | 20 | $3.5m | — |
| Catoosa County | 39 | 19 | $3.4m | 38.7% |
| Floyd County | 30 | 17 | $3.2m | 34.6% |
| Lowndes County | 25 | 17 | $2.6m | — |
| Glynn County | 35 | 16 | $2.1m | 46.7% |
| Liberty County | 34 | 15 | $3.8m | — |
| Walker County | 25 | 15 | $2.8m | — |
| Dougherty County | 26 | 13 | $1.8m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Loandepot.com, LLC originate in Georgia in 2024?
3,262 loans totalling $858m, from 6,307 applications reported for properties in Georgia.
What is Loandepot.com, LLC's denial rate in Georgia?
34.6% of decided applications in Georgia were denied, against 26.9% for all lenders in the state and 29.1% 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 Loandepot.com, LLC lend in most?
By originations: Gwinnett County (542), Cobb County (292), Fulton County (239), Cherokee County (187), Henry County (153).
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.