Lenders › American Financing Corporation › Georgia
American Financing Corporation 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.
In Georgia, American Financing Corporation reported 3,589 applications and 639 originations for 2024, $138m in all.
Its denial rate in the state was 73.8%, above the Georgia rate of 26.9% across all lenders and compared with the lender's national rate of 67.6%.
The median rate spread on its Georgia originations was -0.0 percentage points (state median 0.4).
Applications in the state were down 20% on 2023.
Compared with the state and the lender's national record
| Measure | In Georgia | Georgia, all lenders | American Financing Corporation, all states | United States |
|---|---|---|---|---|
| Denial rate | 73.8% | 26.9% | 67.6% | 24.3% |
| Median rate spread, pp | -0.0 | 0.4 | 0.1 | 0.3 |
| Originations with spread of 1.5 pp or more | 6.3% | 17.5% | 10.0% | 15.6% |
| Average originated loan | $216k | $313k | $250k | $329k |
| Home purchase share | 10.0% | 57.0% | 16.1% | 57.0% |
| FHA-insured share | 65.4% | 18.3% | 47.9% | 13.4% |
| VA-guaranteed share | 6.6% | 11.6% | 6.9% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateGeorgia, all lenders
Loan purpose and loan type in Georgia
By purpose
Home purchase 10% (64)Refinancing 4% (24)Cash-out refinancing 84% (539)Other purpose 2% (12)
By type
Conventional 28% (179)FHA 65% (418)VA 7% (42)
Denial reasons as coded
Share of 2,219 denials in Georgia by first denial reason coded (outlined bar: all lenders in the state).
Counties in Georgia
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| DeKalb County | 548 | 108 | $20m | 74.0% |
| Clayton County | 404 | 77 | $14m | 74.6% |
| Fulton County | 523 | 71 | $15m | 77.6% |
| Gwinnett County | 379 | 59 | $15m | 75.4% |
| Henry County | 268 | 54 | $13m | 72.2% |
| Cobb County | 193 | 42 | $9.4m | 67.1% |
| Newton County | 120 | 28 | $6.2m | 67.7% |
| Paulding County | 102 | 28 | $7.2m | 63.6% |
| Rockdale County | 139 | 24 | $6.1m | 77.8% |
| Douglas County | 130 | 17 | $3.7m | 77.7% |
| Fayette County | 50 | 8 | $2.6m | 69.6% |
| Carroll County | 39 | 7 | $1.2m | 65.7% |
| Spalding County | 45 | 6 | $1.0m | 70.3% |
| Cherokee County | 37 | 6 | $2.4m | 74.1% |
| Barrow County | 33 | 5 | $1.2m | 76.7% |
| Coweta County | 36 | 4 | $820k | 84.8% |
| Walton County | 40 | 2 | $530k | 87.9% |
| Hall County | 30 | 2 | $560k | 80.0% |
| Forsyth County | 27 | 2 | $960k | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did American Financing Corporation originate in Georgia in 2024?
639 loans totalling $138m, from 3,589 applications reported for properties in Georgia.
What is American Financing Corporation's denial rate in Georgia?
73.8% of decided applications in Georgia were denied, against 26.9% for all lenders in the state and 67.6% 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 American Financing Corporation lend in most?
By originations: DeKalb County (108), Clayton County (77), Fulton County (71), Gwinnett County (59), Henry County (54).
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.