Lenders › Fairway Independent Mort Corp › Georgia
Fairway Independent Mort Corp 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.
Fairway Independent Mort Corp's 2024 HMDA record for Georgia covers 5,201 applications, 3,733 of them originated, worth $1.3bn.
Its denial rate in the state was 4.3%, below the Georgia rate of 26.9% across all lenders and compared with the lender's national rate of 6.0%.
The median rate spread on its Georgia originations was 0.4 percentage points (state median 0.4).
Applications in the state were down 13% on 2023.
Compared with the state and the lender's national record
| Measure | In Georgia | Georgia, all lenders | Fairway Independent Mort Corp, all states | United States |
|---|---|---|---|---|
| Denial rate | 4.3% | 26.9% | 6.0% | 24.3% |
| Median rate spread, pp | 0.4 | 0.4 | 0.4 | 0.3 |
| Originations with spread of 1.5 pp or more | 3.9% | 17.5% | 5.0% | 15.6% |
| Average originated loan | $338k | $313k | $319k | $329k |
| Home purchase share | 90.3% | 57.0% | 91.1% | 57.0% |
| FHA-insured share | 23.3% | 18.3% | 22.0% | 13.4% |
| VA-guaranteed share | 8.6% | 11.6% | 8.3% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateGeorgia, all lenders
Loan purpose and loan type in Georgia
By purpose
Home purchase 90% (3,372)Home improvement 1% (24)Refinancing 3% (104)Cash-out refinancing 5% (180)Other purpose 1% (53)
By type
Conventional 67% (2,502)FHA 23% (870)VA 9% (321)USDA 1% (40)
Denial reasons as coded
Share of 169 denials in Georgia by first denial reason coded (outlined bar: all lenders in the state).
Counties in Georgia
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Fulton County | 494 | 336 | $153m | 4.0% |
| DeKalb County | 411 | 284 | $117m | 4.3% |
| Gwinnett County | 315 | 223 | $82m | 4.3% |
| Cobb County | 321 | 218 | $87m | 1.8% |
| Forsyth County | 222 | 157 | $64m | 1.3% |
| Hall County | 188 | 141 | $51m | 3.4% |
| Coweta County | 162 | 128 | $47m | 3.0% |
| Cherokee County | 168 | 120 | $48m | 3.2% |
| Walton County | 156 | 117 | $40m | 3.3% |
| Lowndes County | 144 | 105 | $26m | 0.0% |
| Jackson County | 122 | 91 | $32m | 4.1% |
| Henry County | 103 | 80 | $21m | 5.9% |
| Barrow County | 92 | 75 | $26m | 0.0% |
| Paulding County | 110 | 72 | $21m | 6.4% |
| Bartow County | 92 | 65 | $19m | 7.0% |
| Houston County | 83 | 60 | $14m | 7.6% |
| Whitfield County | 70 | 57 | $14m | 1.7% |
| Muscogee County | 75 | 54 | $12m | 5.2% |
| Fayette County | 67 | 51 | $26m | 0.0% |
| Floyd County | 71 | 50 | $11m | 10.7% |
| Clayton County | 86 | 48 | $9.9m | 10.9% |
| Newton County | 73 | 46 | $12m | 7.8% |
| Chatham County | 73 | 44 | $14m | 13.7% |
| Bryan County | 56 | 40 | $13m | 14.9% |
| Dawson County | 50 | 40 | $14m | 0.0% |
| Butts County | 54 | 38 | $9.6m | 4.8% |
| Morgan County | 45 | 36 | $15m | 2.7% |
| Polk County | 51 | 35 | $7.2m | 7.9% |
| Gordon County | 50 | 33 | $9.0m | 8.1% |
| Habersham County | 46 | 33 | $8.7m | 5.7% |
| Murray County | 43 | 32 | $6.8m | 8.3% |
| Jasper County | 38 | 31 | $11m | 0.0% |
| Spalding County | 43 | 30 | $7.1m | 3.2% |
| Carroll County | 36 | 29 | $7.0m | 3.3% |
| Camden County | 45 | 27 | $7.7m | 6.9% |
| Clarke County | 34 | 26 | $7.9m | 3.7% |
| Rockdale County | 40 | 25 | $7.8m | 3.7% |
| Putnam County | 30 | 25 | $10m | 0.0% |
| Columbia County | 30 | 24 | $8.6m | 7.7% |
| Lumpkin County | 38 | 23 | $7.1m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Fairway Independent Mort Corp originate in Georgia in 2024?
3,733 loans totalling $1.3bn, from 5,201 applications reported for properties in Georgia.
What is Fairway Independent Mort Corp's denial rate in Georgia?
4.3% of decided applications in Georgia were denied, against 26.9% for all lenders in the state and 6.0% 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 Fairway Independent Mort Corp lend in most?
By originations: Fulton County (336), DeKalb County (284), Gwinnett County (223), Cobb County (218), Forsyth County (157).
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.