Lenders › Hometown Equity Mortgage, LLC › Georgia
Hometown Equity Mortgage, LLC 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, Hometown Equity Mortgage, LLC reported 391 applications and 191 originations for 2024, $59m in all.
Its denial rate in the state was 50.1%, above the Georgia rate of 26.9% across all lenders and compared with the lender's national rate of 49.4%.
The median rate spread on its Georgia originations was 1.5 percentage points (state median 0.4).
Applications in the state were about level with 2023.
Compared with the state and the lender's national record
| Measure | In Georgia | Georgia, all lenders | Hometown Equity Mortgage, LLC, all states | United States |
|---|---|---|---|---|
| Denial rate | 50.1% | 26.9% | 49.4% | 24.3% |
| Median rate spread, pp | 1.5 | 0.4 | 1.3 | 0.3 |
| Originations with spread of 1.5 pp or more | 50.6% | 17.5% | 43.9% | 15.6% |
| Average originated loan | $307k | $313k | $438k | $329k |
| Home purchase share | 67.5% | 57.0% | 55.6% | 57.0% |
| FHA-insured share | 14.7% | 18.3% | 11.2% | 13.4% |
| VA-guaranteed share | 2.1% | 11.6% | 1.4% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateGeorgia, all lenders
Loan purpose and loan type in Georgia
By purpose
Home purchase 68% (129)Refinancing 4% (7)Cash-out refinancing 29% (55)
By type
Conventional 83% (159)FHA 15% (28)VA 2% (4)
Denial reasons as coded
Share of 193 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 | 80 | 33 | $11m | 58.8% |
| Gwinnett County | 59 | 31 | $10m | 47.5% |
| DeKalb County | 52 | 21 | $5.7m | 59.6% |
| Cobb County | 30 | 12 | $4.2m | 58.6% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Hometown Equity Mortgage, LLC originate in Georgia in 2024?
191 loans totalling $59m, from 391 applications reported for properties in Georgia.
What is Hometown Equity Mortgage, LLC's denial rate in Georgia?
50.1% of decided applications in Georgia were denied, against 26.9% for all lenders in the state and 49.4% 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 Hometown Equity Mortgage, LLC lend in most?
By originations: Fulton County (33), Gwinnett County (31), DeKalb County (21), Cobb County (12).
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 1 Oct 2026; data through 1 Aug 2026. See methodology and corrections.