Lenders › Bank of America NA › Georgia
Bank of America NA 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, Bank of America NA reported 10,008 applications and 3,397 originations for 2024, $791m in all.
Its denial rate in the state was 54.8%, above the Georgia rate of 26.9% across all lenders and compared with the lender's national rate of 48.1%.
The median rate spread on its Georgia originations was 1.7 percentage points (state median 0.4).
Applications in the state were down 17% on 2023.
Compared with the state and the lender's national record
| Measure | In Georgia | Georgia, all lenders | Bank of America NA, all states | United States |
|---|---|---|---|---|
| Denial rate | 54.8% | 26.9% | 48.1% | 24.3% |
| Median rate spread, pp | 1.7 | 0.4 | 1.1 | 0.3 |
| Originations with spread of 1.5 pp or more | 55.0% | 17.5% | 41.1% | 15.6% |
| Average originated loan | $233k | $313k | $360k | $329k |
| Home purchase share | 29.7% | 57.0% | 31.8% | 57.0% |
| FHA-insured share | 0.8% | 18.3% | 0.5% | 13.4% |
| VA-guaranteed share | 0.1% | 11.6% | 0.1% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateGeorgia, all lenders
Loan purpose and loan type in Georgia
By purpose
Home purchase 30% (1,008)Home improvement 37% (1,273)Refinancing 15% (499)Cash-out refinancing 1% (48)Other purpose 17% (569)
By type
Conventional 99% (3,367)FHA 1% (26)VA 0% (4)
Denial reasons as coded
Share of 4,298 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 | 1,512 | 586 | $216m | 48.4% |
| Gwinnett County | 1,326 | 407 | $73m | 59.3% |
| Cobb County | 1,019 | 407 | $84m | 46.6% |
| DeKalb County | 938 | 319 | $85m | 55.5% |
| Forsyth County | 442 | 164 | $38m | 46.3% |
| Chatham County | 370 | 150 | $32m | 44.6% |
| Cherokee County | 345 | 148 | $35m | 42.4% |
| Clayton County | 310 | 88 | $14m | 64.3% |
| Hall County | 223 | 79 | $15m | 50.0% |
| Henry County | 298 | 73 | $10m | 69.0% |
| Paulding County | 200 | 62 | $10m | 58.6% |
| Douglas County | 165 | 58 | $11m | 57.7% |
| Fayette County | 166 | 57 | $10m | 51.6% |
| Coweta County | 154 | 50 | $7.6m | 58.0% |
| Columbia County | 126 | 42 | $8.0m | 56.0% |
| Bartow County | 106 | 38 | $5.4m | 54.7% |
| Barrow County | 122 | 37 | $6.3m | 63.0% |
| Richmond County | 129 | 34 | $5.4m | 64.4% |
| Bibb County | 114 | 34 | $3.9m | 61.5% |
| Walton County | 109 | 33 | $5.4m | 64.6% |
| Effingham County | 93 | 33 | $2.8m | 50.7% |
| Glynn County | 86 | 29 | $9.2m | 45.8% |
| Carroll County | 86 | 28 | $4.8m | 59.4% |
| Jackson County | 69 | 26 | $11m | 47.1% |
| Houston County | 89 | 25 | $3.7m | 56.5% |
| Rockdale County | 97 | 24 | $5.3m | 69.9% |
| Lowndes County | 84 | 23 | $2.9m | 64.2% |
| Spalding County | 48 | 20 | $2.8m | 46.3% |
| Clarke County | 58 | 19 | $3.4m | 54.8% |
| Oconee County | 42 | 17 | $2.7m | 46.9% |
| Muscogee County | 73 | 16 | $2.8m | 70.4% |
| Bryan County | 49 | 16 | $3.2m | 60.0% |
| Newton County | 89 | 12 | $2.3m | 82.1% |
| Whitfield County | 53 | 12 | $1.9m | 72.1% |
| Troup County | 49 | 11 | $1.1m | 68.6% |
| Bulloch County | 28 | 8 | $850k | — |
| Dawson County | 25 | 6 | $1.3m | — |
| Liberty County | 29 | 2 | $240k | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Bank of America NA originate in Georgia in 2024?
3,397 loans totalling $791m, from 10,008 applications reported for properties in Georgia.
What is Bank of America NA's denial rate in Georgia?
54.8% of decided applications in Georgia were denied, against 26.9% for all lenders in the state and 48.1% 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 Bank of America NA lend in most?
By originations: Fulton County (586), Gwinnett County (407), Cobb County (407), DeKalb County (319), Forsyth County (164).
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.