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21st Mortgage in Georgia

HMDA record for properties in Georgia, calendar year 2024. National record · Georgia overview

LEI 549300XQVJ1XBNFA5536
Reporting agency Department of Housing and Urban Development
State Georgia

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.

21st Mortgage's 2024 HMDA record for Georgia covers 7,553 applications, 1,315 of them originated, worth $171m.

Its denial rate in the state was 72.3%, above the Georgia rate of 26.9% across all lenders and compared with the lender's national rate of 70.3%.

The median rate spread on its Georgia originations was 3.7 percentage points (state median 0.4).

Applications in the state were about level with 2023.

7,553applications in GA, 20244.6% of the lender's total
1,315loans originated$171m
72.3%denial rateGA all lenders 26.9%
3.7 ppmedian rate spreadGA 0.4 pp

Compared with the state and the lender's national record

MeasureIn GeorgiaGeorgia, all lenders21st Mortgage, all statesUnited States
Denial rate72.3%26.9%70.3%24.3%
Median rate spread, pp3.70.44.20.3
Originations with spread of 1.5 pp or more98.3%17.5%99.0%15.6%
Average originated loan$130k$313k$114k$329k
Home purchase share99.4%57.0%98.4%57.0%
FHA-insured share0.0%18.3%0.0%13.4%
VA-guaranteed share0.0%11.6%0.0%7.9%

Trend by year

ApplicationsOriginations

03776.57,5532022: 7,509 Applications2023: 7,409 Applications2024: 7,553 Applications2022: 1,012 Originations2023: 1,140 Originations2024: 1,315 Originations202220232024
21st Mortgage in Georgia: applications and originations, 2022–2024

This lender in stateGeorgia, all lenders

0%39.4%78.7%2022: 78.7% This lender in state2023: 76.3% This lender in state2024: 72.3% This lender in state202220232024
Denial rate by year, state rate dashed

Loan purpose and loan type in Georgia

By purpose

Home purchase 99% (1,307)Home improvement 0% (1)Refinancing 0% (6)Cash-out refinancing 0% (1)

By type

Conventional 100% (1,315)

Denial reasons as coded

Credit history51.2%
Debt-to-income ratio30.7%
Insufficient cash (downpayment, closing costs)9%
Credit application incomplete4.3%
Collateral2.1%
Unverifiable information1.3%
Other1%
Employment history0.3%
Mortgage insurance denied0%

Share of 3,678 denials in Georgia by first denial reason coded (outlined bar: all lenders in the state).

Counties in Georgia

CountyApplicationsOriginationsAmountDenial rate
Fayette County22247$5.5m72.4%
Gwinnett County21338$2.3m77.2%
Effingham County11438$5.1m45.5%
Henry County16732$2.8m74.0%
Coffee County14932$3.8m66.3%
Douglas County16630$2.8m73.9%
Cobb County19828$4.5m77.5%
Bulloch County12528$3.7m65.9%
Colquitt County17427$3.0m76.2%
Appling County12226$3.2m63.9%
Wayne County12725$2.9m70.5%
Brantley County11823$2.8m56.7%
Cherokee County9722$1.6m58.5%
Grady County10319$2.4m74.0%
Coweta County6019$1.8m56.5%
Charlton County6918$2.4m63.3%
Stephens County8717$2.7m69.7%
Bryan County5617$2.6m50.0%
Worth County12916$1.9m76.7%
Tift County10316$1.9m76.1%
Berrien County9016$2.1m70.2%
Franklin County5416$3.6m55.6%
Lowndes County14315$2.0m86.3%
Thomas County13215$1.9m81.4%
Habersham County7715$2.6m64.0%
White County6115$2.3m55.6%
Bacon County4715$2.2m47.1%
Cook County8714$1.7m75.8%
Murray County7314$1.7m68.8%
Toombs County6514$1.9m61.5%
Camden County5414$1.8m56.3%
Madison County6813$2.3m67.5%
Catoosa County4413$795k57.6%
Putnam County4013$2.2m55.2%
Mitchell County11512$1.7m81.6%
Tattnall County5712$1.4m53.3%
Banks County5212$1.2m58.8%
Brooks County4512$1.2m61.3%
Dodge County7811$1.6m78.6%
Ware County7211$1.1m75.6%

Counties with at least 25 applications, by originations.

Questions and answers

How many mortgages did 21st Mortgage originate in Georgia in 2024?

1,315 loans totalling $171m, from 7,553 applications reported for properties in Georgia.

What is 21st Mortgage's denial rate in Georgia?

72.3% of decided applications in Georgia were denied, against 26.9% for all lenders in the state and 70.3% 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 21st Mortgage lend in most?

By originations: Fayette County (47), Gwinnett County (38), Effingham County (38), Henry County (32), Coffee County (32).

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.