Lenders › Us Bank, N.A. › Georgia
Us Bank, N.A. 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.
Us Bank, N.A.'s 2024 HMDA record for Georgia covers 2,015 applications, 912 of them originated, worth $331m.
Its denial rate in the state was 46.3%, above the Georgia rate of 26.9% across all lenders and compared with the lender's national rate of 41.5%.
The median rate spread on its Georgia originations was 0.5 percentage points (state median 0.4).
Applications in the state were down 6% on 2023.
Compared with the state and the lender's national record
| Measure | In Georgia | Georgia, all lenders | Us Bank, N.A., all states | United States |
|---|---|---|---|---|
| Denial rate | 46.3% | 26.9% | 41.5% | 24.3% |
| Median rate spread, pp | 0.5 | 0.4 | 0.6 | 0.3 |
| Originations with spread of 1.5 pp or more | 20.3% | 17.5% | 24.2% | 15.6% |
| Average originated loan | $363k | $313k | $403k | $329k |
| Home purchase share | 47.0% | 57.0% | 46.8% | 57.0% |
| FHA-insured share | 2.3% | 18.3% | 2.4% | 13.4% |
| VA-guaranteed share | 2.1% | 11.6% | 1.6% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateGeorgia, all lenders
Loan purpose and loan type in Georgia
By purpose
Home purchase 47% (429)Home improvement 19% (175)Refinancing 9% (84)Cash-out refinancing 6% (52)Other purpose 19% (172)
By type
Conventional 96% (872)FHA 2% (21)VA 2% (19)
Denial reasons as coded
Share of 802 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 | 315 | 158 | $87m | 37.1% |
| DeKalb County | 170 | 97 | $50m | 33.3% |
| Gwinnett County | 195 | 79 | $17m | 51.2% |
| Cobb County | 147 | 71 | $25m | 42.5% |
| Forsyth County | 117 | 51 | $18m | 46.9% |
| Cherokee County | 74 | 45 | $19m | 31.3% |
| Chatham County | 73 | 28 | $17m | 51.7% |
| Coweta County | 36 | 20 | $3.9m | 35.5% |
| Paulding County | 40 | 15 | $3.3m | 59.5% |
| Fayette County | 27 | 15 | $3.8m | — |
| Henry County | 52 | 14 | $2.6m | 70.2% |
| Columbia County | 41 | 14 | $3.7m | 61.5% |
| Effingham County | 27 | 14 | $2.5m | — |
| Hall County | 38 | 13 | $3.3m | 54.8% |
| Carroll County | 26 | 11 | $2.7m | — |
| Clayton County | 29 | 9 | $1.0m | — |
| Richmond County | 25 | 8 | $730k | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Us Bank, N.A. originate in Georgia in 2024?
912 loans totalling $331m, from 2,015 applications reported for properties in Georgia.
What is Us Bank, N.A.'s denial rate in Georgia?
46.3% of decided applications in Georgia were denied, against 26.9% for all lenders in the state and 41.5% 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 Us Bank, N.A. lend in most?
By originations: Fulton County (158), DeKalb County (97), Gwinnett County (79), Cobb County (71), Forsyth County (51).
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.