Lenders › United Wholesale Mortgage › Georgia
United Wholesale Mortgage 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, United Wholesale Mortgage reported 20,074 applications and 14,486 originations for 2024, $4.9bn in all.
Its denial rate in the state was 14.7%, below the Georgia rate of 26.9% across all lenders and compared with the lender's national rate of 13.4%.
The median rate spread on its Georgia originations was 0.1 percentage points (state median 0.4).
Applications in the state were up 27% on 2023.
Compared with the state and the lender's national record
| Measure | In Georgia | Georgia, all lenders | United Wholesale Mortgage, all states | United States |
|---|---|---|---|---|
| Denial rate | 14.7% | 26.9% | 13.4% | 24.3% |
| Median rate spread, pp | 0.1 | 0.4 | 0.2 | 0.3 |
| Originations with spread of 1.5 pp or more | 5.0% | 17.5% | 5.8% | 15.6% |
| Average originated loan | $340k | $313k | $382k | $329k |
| Home purchase share | 64.1% | 57.0% | 67.0% | 57.0% |
| FHA-insured share | 23.3% | 18.3% | 20.3% | 13.4% |
| VA-guaranteed share | 18.8% | 11.6% | 14.6% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateGeorgia, all lenders
Loan purpose and loan type in Georgia
By purpose
Home purchase 64% (9,283)Refinancing 17% (2,391)Cash-out refinancing 19% (2,812)
By type
Conventional 57% (8,319)FHA 23% (3,378)VA 19% (2,726)USDA 0% (63)
Denial reasons as coded
Share of 2,561 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 | 2,345 | 1,668 | $612m | 16.7% |
| Fulton County | 2,009 | 1,328 | $577m | 20.7% |
| Cobb County | 1,510 | 1,107 | $422m | 15.1% |
| DeKalb County | 1,325 | 913 | $313m | 19.6% |
| Forsyth County | 879 | 670 | $336m | 11.2% |
| Cherokee County | 715 | 546 | $225m | 10.6% |
| Chatham County | 644 | 468 | $148m | 13.2% |
| Henry County | 640 | 438 | $145m | 17.5% |
| Clayton County | 580 | 391 | $90m | 18.7% |
| Paulding County | 494 | 379 | $124m | 10.3% |
| Hall County | 426 | 321 | $112m | 11.6% |
| Houston County | 350 | 259 | $70m | 13.5% |
| Douglas County | 377 | 253 | $80m | 18.0% |
| Coweta County | 294 | 227 | $84m | 10.3% |
| Liberty County | 252 | 196 | $50m | 5.9% |
| Jackson County | 250 | 193 | $66m | 9.8% |
| Newton County | 275 | 191 | $52m | 13.8% |
| Columbia County | 262 | 186 | $60m | 14.6% |
| Fayette County | 267 | 182 | $85m | 14.0% |
| Muscogee County | 251 | 179 | $38m | 13.1% |
| Barrow County | 242 | 178 | $53m | 12.8% |
| Walton County | 218 | 169 | $57m | 12.8% |
| Rockdale County | 246 | 166 | $51m | 16.7% |
| Carroll County | 213 | 166 | $46m | 10.6% |
| Richmond County | 243 | 164 | $35m | 14.4% |
| Bibb County | 221 | 157 | $31m | 15.9% |
| Bartow County | 186 | 136 | $38m | 14.7% |
| Effingham County | 159 | 126 | $39m | 8.4% |
| Lowndes County | 155 | 121 | $30m | 6.7% |
| Clarke County | 149 | 121 | $34m | 6.2% |
| Long County | 144 | 115 | $33m | 8.4% |
| Troup County | 147 | 111 | $28m | 13.1% |
| Bryan County | 133 | 105 | $41m | 8.5% |
| Bulloch County | 116 | 97 | $26m | 4.9% |
| Spalding County | 140 | 89 | $22m | 20.0% |
| Glynn County | 114 | 84 | $35m | 9.5% |
| Dawson County | 108 | 80 | $31m | 7.7% |
| Gordon County | 100 | 80 | $20m | 5.7% |
| Floyd County | 94 | 76 | $20m | 11.5% |
| Wayne County | 83 | 73 | $16m | 5.2% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did United Wholesale Mortgage originate in Georgia in 2024?
14,486 loans totalling $4.9bn, from 20,074 applications reported for properties in Georgia.
What is United Wholesale Mortgage's denial rate in Georgia?
14.7% of decided applications in Georgia were denied, against 26.9% for all lenders in the state and 13.4% 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 United Wholesale Mortgage lend in most?
By originations: Gwinnett County (1,668), Fulton County (1,328), Cobb County (1,107), DeKalb County (913), Forsyth County (670).
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.