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Rocket Mortgage in Georgia

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

LEI 549300FGXN1K3HLB1R50
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.

Rocket Mortgage's 2024 HMDA record for Georgia covers 25,763 applications, 19,055 of them originated, worth $4.7bn.

Its denial rate in the state was 17.6%, below the Georgia rate of 26.9% across all lenders and compared with the lender's national rate of 18.2%.

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

Applications in the state were up 17% on 2023.

25,763applications in GA, 20245.3% of the lender's total
19,055loans originated$4.7bn
17.6%denial rateGA all lenders 26.9%
0.4 ppmedian rate spreadGA 0.4 pp

Compared with the state and the lender's national record

MeasureIn GeorgiaGeorgia, all lendersRocket Mortgage, all statesUnited States
Denial rate17.6%26.9%18.2%24.3%
Median rate spread, pp0.40.40.50.3
Originations with spread of 1.5 pp or more18.3%17.5%17.8%15.6%
Average originated loan$248k$313k$270k$329k
Home purchase share35.5%57.0%38.0%57.0%
FHA-insured share21.3%18.3%18.5%13.4%
VA-guaranteed share10.5%11.6%7.8%7.9%

Trend by year

ApplicationsOriginations

016439.532,8792022: 32,879 Applications2023: 22,070 Applications2024: 25,763 Applications2022: 23,886 Originations2023: 16,062 Originations2024: 19,055 Originations202220232024
Rocket Mortgage in Georgia: applications and originations, 2022–2024

This lender in stateGeorgia, all lenders

0%14.2%28.4%2022: 17.9% This lender in state2023: 18.5% This lender in state2024: 17.6% This lender in state202220232024
Denial rate by year, state rate dashed

Loan purpose and loan type in Georgia

By purpose

Home purchase 35% (6,764)Home improvement 1% (170)Refinancing 9% (1,790)Cash-out refinancing 50% (9,570)Other purpose 4% (761)

By type

Conventional 68% (12,998)FHA 21% (4,055)VA 11% (2,002)

Denial reasons as coded

Collateral39.7%
Debt-to-income ratio23%
Credit application incomplete15.3%
Credit history6.2%
Other5.8%
Insufficient cash (downpayment, closing costs)4.9%
Unverifiable information3.4%
Employment history1.7%
Mortgage insurance denied0%

Share of 4,177 denials in Georgia by first denial reason coded (outlined bar: all lenders in the state).

Counties in Georgia

CountyApplicationsOriginationsAmountDenial rate
Gwinnett County2,3461,723$486m17.5%
Fulton County2,1131,489$441m20.9%
Cobb County1,6601,221$339m17.4%
DeKalb County1,5631,073$265m23.0%
Forsyth County931723$279m13.3%
Henry County878641$165m18.3%
Cherokee County791635$171m11.3%
Paulding County625490$117m13.1%
Clayton County724476$95m26.1%
Chatham County634465$121m19.0%
Houston County498382$86m16.4%
Douglas County496361$90m18.6%
Hall County444360$88m13.8%
Camden County422357$100m7.9%
Glynn County414339$98m11.8%
Coweta County434317$76m16.2%
Newton County428295$62m21.9%
Columbia County398295$72m15.8%
Fayette County334263$74m13.2%
Barrow County328258$56m14.4%
Carroll County339253$54m16.9%
Richmond County351250$43m22.7%
Walton County329249$58m16.9%
Rockdale County334230$56m21.1%
Bibb County316230$40m19.2%
Muscogee County320219$39m21.3%
Jackson County280215$52m15.6%
Effingham County269201$51m16.0%
Floyd County255198$39m15.7%
Bartow County255196$43m14.6%
Bulloch County202154$34m13.7%
Liberty County182143$28m12.5%
Lowndes County192141$26m17.5%
Catoosa County166133$27m12.7%
Spalding County179130$25m17.3%
Bryan County164129$39m9.6%
Whitfield County166126$25m17.0%
Walker County166121$24m15.5%
Dawson County136115$35m11.5%
Clarke County131104$23m16.8%

Counties with at least 25 applications, by originations.

Questions and answers

How many mortgages did Rocket Mortgage originate in Georgia in 2024?

19,055 loans totalling $4.7bn, from 25,763 applications reported for properties in Georgia.

What is Rocket Mortgage's denial rate in Georgia?

17.6% of decided applications in Georgia were denied, against 26.9% for all lenders in the state and 18.2% 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 Rocket Mortgage lend in most?

By originations: Gwinnett County (1,723), Fulton County (1,489), Cobb County (1,221), DeKalb County (1,073), Forsyth County (723).

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.