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Amerisave Mortgage Company in Georgia

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

LEI 549300YIQ7S7Z8PIHE53
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.

In Georgia, Amerisave Mortgage Company reported 6,457 applications and 956 originations for 2024, $132m in all.

Its denial rate in the state was 82.5%, above the Georgia rate of 26.9% across all lenders and compared with the lender's national rate of 81.9%.

The median rate spread on its Georgia originations was 3.3 percentage points (state median 0.4).

Applications in the state were up 13% on 2023.

6,457applications in GA, 20246.1% of the lender's total
956loans originated$132m
82.5%denial rateGA all lenders 26.9%
3.3 ppmedian rate spreadGA 0.4 pp

Compared with the state and the lender's national record

MeasureIn GeorgiaGeorgia, all lendersAmerisave Mortgage Company, all statesUnited States
Denial rate82.5%26.9%81.9%24.3%
Median rate spread, pp3.30.43.10.3
Originations with spread of 1.5 pp or more57.8%17.5%54.7%15.6%
Average originated loan$139k$313k$145k$329k
Home purchase share5.6%57.0%6.6%57.0%
FHA-insured share20.5%18.3%20.9%13.4%
VA-guaranteed share6.5%11.6%5.2%7.9%

Trend by year

ApplicationsOriginations

04,9609,9202022: 9,920 Applications2023: 5,739 Applications2024: 6,457 Applications2022: 2,392 Originations2023: 939 Originations2024: 956 Originations202220232024
Amerisave Mortgage Company in Georgia: applications and originations, 2022–2024

This lender in stateGeorgia, all lenders

0%41.3%82.5%2022: 54.8% This lender in state2023: 59.7% This lender in state2024: 82.5% This lender in state202220232024
Denial rate by year, state rate dashed

Loan purpose and loan type in Georgia

By purpose

Home purchase 6% (54)Refinancing 2% (15)Cash-out refinancing 93% (887)

By type

Conventional 73% (698)FHA 21% (196)VA 6% (62)

Denial reasons as coded

Credit application incomplete71.7%
Credit history9.7%
Debt-to-income ratio7.8%
Unverifiable information4.6%
Collateral3.7%
Insufficient cash (downpayment, closing costs)1.5%
Other1%
Employment history0.1%
Mortgage insurance denied0%

Share of 4,566 denials in Georgia by first denial reason coded (outlined bar: all lenders in the state).

Counties in Georgia

CountyApplicationsOriginationsAmountDenial rate
Gwinnett County60894$14m81.9%
Fulton County55266$12m86.3%
Cobb County44163$7.9m83.3%
DeKalb County44354$7.1m85.7%
Chatham County21136$5.1m79.5%
Paulding County17136$5.2m75.7%
Cherokee County18635$5.0m78.3%
Henry County25027$3.1m86.7%
Forsyth County17726$3.6m81.7%
Clayton County22422$2.5m87.8%
Douglas County12520$3.8m81.7%
Hall County10219$2.9m78.7%
Fayette County9618$3.1m77.2%
Houston County9518$2.7m79.3%
Coweta County13317$2.5m84.3%
Muscogee County11517$1.5m81.4%
Newton County11517$1.6m83.0%
Barrow County8616$2.1m78.4%
Bartow County7716$1.8m76.1%
Columbia County7212$2.2m80.3%
Gordon County3412$1.2m48.0%
Jackson County7111$1.1m83.3%
Walton County5111$1.4m77.1%
Richmond County10010$1.2m87.2%
Carroll County5810$1.2m80.4%
Lowndes County5310$610k77.3%
Rockdale County799$1.2m84.1%
Effingham County459$1.0m72.2%
Bibb County698$510k86.7%
Floyd County548$1.3m83.0%
Glynn County388$1.4m76.5%
Oconee County278$1.1m—
Habersham County278$1.0m—
Spalding County457$955k82.9%
Catoosa County367$795k75.9%
Camden County346$990k78.6%
Liberty County316$1.3m76.0%
Troup County615$675k90.6%
Harris County375$1.0m83.3%
Lee County265$855k—

Counties with at least 25 applications, by originations.

Questions and answers

How many mortgages did Amerisave Mortgage Company originate in Georgia in 2024?

956 loans totalling $132m, from 6,457 applications reported for properties in Georgia.

What is Amerisave Mortgage Company's denial rate in Georgia?

82.5% of decided applications in Georgia were denied, against 26.9% for all lenders in the state and 81.9% 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 Amerisave Mortgage Company lend in most?

By originations: Gwinnett County (94), Fulton County (66), Cobb County (63), DeKalb County (54), Chatham County (36).

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.