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Mortgage Research Center 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.
Mortgage Research Center's 2024 HMDA record for Georgia covers 8,048 applications, 3,944 of them originated, worth $1.2bn.
Its denial rate in the state was 25.1%, close to the Georgia rate of 26.9% across all lenders and compared with the lender's national rate of 24.0%.
The median rate spread on its Georgia originations was -0.1 percentage points (state median 0.4).
Applications in the state were up 6% on 2023.
Compared with the state and the lender's national record
| Measure | In Georgia | Georgia, all lenders | Mortgage Research Center, all states | United States |
|---|---|---|---|---|
| Denial rate | 25.1% | 26.9% | 24.0% | 24.3% |
| Median rate spread, pp | -0.1 | 0.4 | -0.1 | 0.3 |
| Originations with spread of 1.5 pp or more | 0.5% | 17.5% | 0.8% | 15.6% |
| Average originated loan | $307k | $313k | $315k | $329k |
| Home purchase share | 84.3% | 57.0% | 81.8% | 57.0% |
| FHA-insured share | 2.8% | 18.3% | 2.9% | 13.4% |
| VA-guaranteed share | 93.7% | 11.6% | 92.4% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateGeorgia, all lenders
Loan purpose and loan type in Georgia
By purpose
Home purchase 84% (3,326)Refinancing 12% (483)Cash-out refinancing 3% (135)
By type
Conventional 3% (132)FHA 3% (111)VA 94% (3,697)USDA 0% (4)
Denial reasons as coded
Share of 1,339 denials in Georgia by first denial reason coded (outlined bar: all lenders in the state).
Counties in Georgia
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Liberty County | 452 | 279 | $72m | 14.3% |
| Houston County | 398 | 220 | $64m | 20.1% |
| Columbia County | 376 | 208 | $67m | 19.5% |
| Muscogee County | 310 | 166 | $40m | 21.0% |
| Chatham County | 313 | 158 | $50m | 24.2% |
| Henry County | 329 | 151 | $55m | 28.7% |
| Long County | 211 | 127 | $36m | 19.0% |
| Lowndes County | 236 | 126 | $33m | 18.1% |
| Fulton County | 342 | 125 | $42m | 37.9% |
| Richmond County | 265 | 124 | $28m | 30.2% |
| Gwinnett County | 302 | 118 | $51m | 33.5% |
| Cobb County | 238 | 113 | $47m | 26.3% |
| Camden County | 168 | 100 | $30m | 12.3% |
| DeKalb County | 274 | 94 | $30m | 42.4% |
| Effingham County | 133 | 87 | $29m | 13.7% |
| Clayton County | 195 | 85 | $22m | 31.3% |
| Bryan County | 146 | 81 | $31m | 18.0% |
| Bibb County | 160 | 67 | $15m | 29.9% |
| Paulding County | 144 | 57 | $20m | 32.2% |
| Coweta County | 100 | 51 | $21m | 21.5% |
| Douglas County | 110 | 46 | $17m | 30.9% |
| Bulloch County | 88 | 45 | $13m | 25.0% |
| Newton County | 105 | 44 | $15m | 39.2% |
| Rockdale County | 93 | 43 | $16m | 31.3% |
| Lee County | 65 | 43 | $12m | 14.0% |
| Carroll County | 85 | 38 | $11m | 36.7% |
| Walton County | 76 | 37 | $16m | 28.8% |
| Hall County | 69 | 35 | $13m | 18.6% |
| Fayette County | 72 | 33 | $15m | 27.1% |
| Wayne County | 61 | 33 | $8.2m | 19.5% |
| Dougherty County | 65 | 31 | $6.9m | 29.2% |
| Walker County | 64 | 31 | $8.2m | 27.9% |
| Whitfield County | 54 | 30 | $8.7m | 21.1% |
| Harris County | 51 | 30 | $9.3m | 16.7% |
| Jackson County | 55 | 29 | $11m | 27.5% |
| Glynn County | 55 | 28 | $8.7m | 26.3% |
| Cherokee County | 79 | 27 | $12m | 35.7% |
| Bartow County | 52 | 27 | $9.3m | 25.0% |
| Barrow County | 62 | 26 | $8.9m | 20.6% |
| Floyd County | 60 | 26 | $6.7m | 27.8% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Mortgage Research Center originate in Georgia in 2024?
3,944 loans totalling $1.2bn, from 8,048 applications reported for properties in Georgia.
What is Mortgage Research Center's denial rate in Georgia?
25.1% of decided applications in Georgia were denied, against 26.9% for all lenders in the state and 24.0% 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 Mortgage Research Center lend in most?
By originations: Liberty County (279), Houston County (220), Columbia County (208), Muscogee County (166), Chatham County (158).
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.