Lenders › New Day Financial, LLC. › Georgia
New Day Financial, 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, New Day Financial, LLC. reported 2,887 applications and 478 originations for 2024, $128m in all.
Its denial rate in the state was 58.2%, above the Georgia rate of 26.9% across all lenders and compared with the lender's national rate of 58.5%.
The median rate spread on its Georgia originations was 1.5 percentage points (state median 0.4).
Applications in the state were up 29% on 2023.
Compared with the state and the lender's national record
| Measure | In Georgia | Georgia, all lenders | New Day Financial, LLC., all states | United States |
|---|---|---|---|---|
| Denial rate | 58.2% | 26.9% | 58.5% | 24.3% |
| Median rate spread, pp | 1.5 | 0.4 | 1.4 | 0.3 |
| Originations with spread of 1.5 pp or more | 44.1% | 17.5% | 44.5% | 15.6% |
| Average originated loan | $267k | $313k | $267k | $329k |
| Home purchase share | 4.0% | 57.0% | 6.2% | 57.0% |
| FHA-insured share | 2.1% | 18.3% | 2.4% | 13.4% |
| VA-guaranteed share | 97.9% | 11.6% | 97.4% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateGeorgia, all lenders
Loan purpose and loan type in Georgia
By purpose
Home purchase 4% (19)Refinancing 13% (62)Cash-out refinancing 82% (390)Other purpose 1% (7)
By type
Denial reasons as coded
Share of 731 denials in Georgia by first denial reason coded (outlined bar: all lenders in the state).
Counties in Georgia
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Richmond County | 130 | 26 | $5.2m | 45.6% |
| Muscogee County | 111 | 26 | $5.8m | 41.7% |
| Houston County | 99 | 24 | $6.3m | 51.0% |
| Liberty County | 73 | 21 | $5.2m | 36.4% |
| DeKalb County | 129 | 20 | $4.7m | 63.8% |
| Cobb County | 97 | 19 | $7.3m | 44.1% |
| Columbia County | 88 | 18 | $5.9m | 41.2% |
| Gwinnett County | 133 | 15 | $6.3m | 64.7% |
| Fulton County | 122 | 13 | $3.5m | 75.4% |
| Chatham County | 83 | 12 | $3.5m | 64.1% |
| Dougherty County | 44 | 11 | $2.0m | 55.6% |
| Henry County | 133 | 10 | $3.8m | 73.9% |
| Clayton County | 92 | 9 | $2.0m | 65.1% |
| Newton County | 56 | 8 | $2.1m | — |
| Lowndes County | 51 | 8 | $1.7m | 59.3% |
| Bibb County | 42 | 8 | $1.4m | — |
| Effingham County | 35 | 8 | $2.3m | — |
| Douglas County | 74 | 7 | $2.1m | 76.7% |
| Coweta County | 53 | 7 | $2.2m | — |
| Bartow County | 36 | 6 | $1.5m | — |
| Glynn County | 25 | 6 | $1.2m | — |
| Paulding County | 55 | 5 | $1.3m | — |
| Cherokee County | 51 | 5 | $2.4m | — |
| Clarke County | 26 | 5 | $1.6m | — |
| Carroll County | 30 | 4 | $910k | — |
| Troup County | 30 | 4 | $860k | — |
| Rockdale County | 55 | 3 | $885k | — |
| Camden County | 38 | 3 | $945k | — |
| Fayette County | 35 | 3 | $1.4m | — |
| Hall County | 35 | 3 | $1.2m | — |
| Bulloch County | 29 | 2 | $640k | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did New Day Financial, LLC. originate in Georgia in 2024?
478 loans totalling $128m, from 2,887 applications reported for properties in Georgia.
What is New Day Financial, LLC.'s denial rate in Georgia?
58.2% of decided applications in Georgia were denied, against 26.9% for all lenders in the state and 58.5% 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 New Day Financial, LLC. lend in most?
By originations: Richmond County (26), Muscogee County (26), Houston County (24), Liberty County (21), DeKalb County (20).
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.