Lenders › Regions Bank › Georgia
Regions Bank 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.
Regions Bank's 2024 HMDA record for Georgia covers 6,626 applications, 2,696 of them originated, worth $828m.
Its denial rate in the state was 46.0%, above the Georgia rate of 26.9% across all lenders and compared with the lender's national rate of 45.8%.
The median rate spread on its Georgia originations was 0.4 percentage points (state median 0.4).
Applications in the state were down 8% on 2023.
Compared with the state and the lender's national record
| Measure | In Georgia | Georgia, all lenders | Regions Bank, all states | United States |
|---|---|---|---|---|
| Denial rate | 46.0% | 26.9% | 45.8% | 24.3% |
| Median rate spread, pp | 0.4 | 0.4 | 0.4 | 0.3 |
| Originations with spread of 1.5 pp or more | 24.5% | 17.5% | 22.5% | 15.6% |
| Average originated loan | $307k | $313k | $300k | $329k |
| Home purchase share | 33.3% | 57.0% | 29.2% | 57.0% |
| FHA-insured share | 5.4% | 18.3% | 4.9% | 13.4% |
| VA-guaranteed share | 1.3% | 11.6% | 1.3% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateGeorgia, all lenders
Loan purpose and loan type in Georgia
By purpose
Home purchase 33% (899)Home improvement 29% (771)Refinancing 14% (375)Cash-out refinancing 5% (143)Other purpose 19% (508)
By type
Conventional 93% (2,512)FHA 5% (146)VA 1% (35)USDA 0% (3)
Denial reasons as coded
Share of 2,643 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 | 556 | 240 | $128m | 41.6% |
| Hall County | 352 | 154 | $25m | 42.7% |
| Cobb County | 428 | 145 | $58m | 50.1% |
| Forsyth County | 274 | 137 | $96m | 34.6% |
| Gwinnett County | 373 | 124 | $31m | 55.2% |
| Cherokee County | 301 | 124 | $22m | 45.3% |
| DeKalb County | 272 | 107 | $43m | 44.9% |
| Paulding County | 188 | 86 | $11m | 44.4% |
| Jackson County | 152 | 81 | $19m | 36.8% |
| Clarke County | 155 | 78 | $23m | 17.9% |
| Whitfield County | 205 | 77 | $6.9m | 50.3% |
| Columbia County | 150 | 74 | $26m | 39.1% |
| Clayton County | 182 | 66 | $17m | 44.6% |
| Floyd County | 154 | 60 | $5.6m | 52.1% |
| Catoosa County | 133 | 55 | $5.2m | 49.2% |
| Walker County | 111 | 55 | $5.5m | 41.2% |
| Barrow County | 104 | 49 | $27m | 31.3% |
| Gordon County | 80 | 49 | $5.2m | 35.5% |
| Douglas County | 133 | 44 | $24m | 58.7% |
| Oconee County | 74 | 42 | $18m | 13.6% |
| Richmond County | 107 | 41 | $5.4m | 55.6% |
| Bartow County | 75 | 40 | $11m | 32.9% |
| Carroll County | 110 | 39 | $7.8m | 56.7% |
| Henry County | 103 | 35 | $7.3m | 51.2% |
| Coweta County | 85 | 33 | $4.4m | 50.0% |
| Walton County | 72 | 32 | $8.1m | 32.1% |
| Dawson County | 49 | 26 | $6.9m | 34.8% |
| White County | 66 | 24 | $4.1m | 48.1% |
| Habersham County | 70 | 23 | $4.1m | 50.0% |
| Murray County | 67 | 23 | $2.0m | 54.8% |
| Madison County | 44 | 23 | $7.5m | 25.7% |
| Fayette County | 60 | 22 | $4.9m | 51.9% |
| Polk County | 59 | 21 | $2.1m | 54.5% |
| Pickens County | 60 | 19 | $3.9m | 50.0% |
| McDuffie County | 50 | 19 | $1.9m | 55.1% |
| Gilmer County | 42 | 18 | $4.6m | 38.2% |
| Banks County | 30 | 18 | $1.6m | 21.4% |
| Newton County | 51 | 16 | $3.5m | 60.9% |
| Rabun County | 33 | 16 | $5.1m | 41.4% |
| Rockdale County | 44 | 15 | $2.4m | 56.8% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Regions Bank originate in Georgia in 2024?
2,696 loans totalling $828m, from 6,626 applications reported for properties in Georgia.
What is Regions Bank's denial rate in Georgia?
46.0% of decided applications in Georgia were denied, against 26.9% for all lenders in the state and 45.8% 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 Regions Bank lend in most?
By originations: Fulton County (240), Hall County (154), Cobb County (145), Forsyth County (137), Gwinnett County (124).
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.