Lenders › Milend, Inc. › Georgia
Milend, Inc. 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, Milend, Inc. reported 1,330 applications and 478 originations for 2024, $151m in all.
Its denial rate in the state was 17.4%, below the Georgia rate of 26.9% across all lenders and compared with the lender's national rate of 23.3%.
The median rate spread on its Georgia originations was 0.4 percentage points (state median 0.4).
Applications in the state were down 8% on 2023.
Compared with the state and the lender's national record
| Measure | In Georgia | Georgia, all lenders | Milend, Inc., all states | United States |
|---|---|---|---|---|
| Denial rate | 17.4% | 26.9% | 23.3% | 24.3% |
| Median rate spread, pp | 0.4 | 0.4 | 0.5 | 0.3 |
| Originations with spread of 1.5 pp or more | 2.1% | 17.5% | 2.8% | 15.6% |
| Average originated loan | $316k | $313k | $273k | $329k |
| Home purchase share | 20.3% | 57.0% | 9.1% | 57.0% |
| FHA-insured share | 53.3% | 18.3% | 63.5% | 13.4% |
| VA-guaranteed share | 11.3% | 11.6% | 12.7% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateGeorgia, all lenders
Loan purpose and loan type in Georgia
By purpose
Home purchase 20% (97)Refinancing 80% (381)
By type
Conventional 35% (169)FHA 53% (255)VA 11% (54)
Denial reasons as coded
Share of 104 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 | 146 | 60 | $20m | 10.3% |
| Fulton County | 105 | 45 | $17m | 18.2% |
| Cobb County | 108 | 39 | $16m | 12.8% |
| Cherokee County | 70 | 26 | $11m | 20.6% |
| DeKalb County | 67 | 25 | $6.6m | 21.9% |
| Forsyth County | 43 | 21 | $7.9m | — |
| Douglas County | 32 | 14 | $3.7m | — |
| Henry County | 47 | 13 | $3.7m | — |
| Bartow County | 27 | 13 | $4.7m | — |
| Paulding County | 41 | 12 | $3.8m | — |
| Clayton County | 41 | 11 | $2.1m | — |
| Chatham County | 29 | 11 | $3.5m | — |
| Newton County | 32 | 8 | $1.6m | — |
| Muscogee County | 26 | 6 | $1.3m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Milend, Inc. originate in Georgia in 2024?
478 loans totalling $151m, from 1,330 applications reported for properties in Georgia.
What is Milend, Inc.'s denial rate in Georgia?
17.4% of decided applications in Georgia were denied, against 26.9% for all lenders in the state and 23.3% 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 Milend, Inc. lend in most?
By originations: Gwinnett County (60), Fulton County (45), Cobb County (39), Cherokee County (26), DeKalb County (25).
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.