Lender Register

Lenders › Wells Fargo Bank NA › Georgia

Wells Fargo Bank NA in Georgia

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

LEI KB1H1DSPRFMYMCUFXT09
Reporting agency Consumer Financial Protection Bureau
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.

Wells Fargo Bank NA's 2024 HMDA record for Georgia covers 3,898 applications, 1,612 of them originated, worth $851m.

Its denial rate in the state was 39.3%, above the Georgia rate of 26.9% across all lenders and compared with the lender's national rate of 31.7%.

The median rate spread on its Georgia originations was 0.0 percentage points (state median 0.4).

Applications in the state were down 24% on 2023.

3,898applications in GA, 20244.9% of the lender's total
1,612loans originated$851m
39.3%denial rateGA all lenders 26.9%
0.0 ppmedian rate spreadGA 0.4 pp

Compared with the state and the lender's national record

MeasureIn GeorgiaGeorgia, all lendersWells Fargo Bank NA, all statesUnited States
Denial rate39.3%26.9%31.7%24.3%
Median rate spread, pp0.00.4-0.00.3
Originations with spread of 1.5 pp or more2.9%17.5%2.2%15.6%
Average originated loan$528k$313k$1.0m$329k
Home purchase share52.4%57.0%66.4%57.0%
FHA-insured share4.0%18.3%2.3%13.4%
VA-guaranteed share2.8%11.6%2.1%7.9%

Trend by year

ApplicationsOriginations

05793.511,5872022: 11,587 Applications2023: 5,127 Applications2024: 3,898 Applications2022: 5,072 Originations2023: 2,249 Originations2024: 1,612 Originations202220232024
Wells Fargo Bank NA in Georgia: applications and originations, 2022–2024

This lender in stateGeorgia, all lenders

0%21.1%42.1%2022: 42.1% This lender in state2023: 38.9% This lender in state2024: 39.3% This lender in state202220232024
Denial rate by year, state rate dashed

Loan purpose and loan type in Georgia

By purpose

Home purchase 52% (844)Home improvement 3% (47)Refinancing 12% (200)Cash-out refinancing 27% (434)Other purpose 5% (87)

By type

Conventional 93% (1,502)FHA 4% (65)VA 3% (45)

Denial reasons as coded

Debt-to-income ratio50.1%
Credit history27%
Collateral10.4%
Other6%
Insufficient cash (downpayment, closing costs)3.7%
Unverifiable information1.8%
Credit application incomplete1%
Employment history0.1%
Mortgage insurance denied0%

Share of 1,052 denials in Georgia by first denial reason coded (outlined bar: all lenders in the state).

Counties in Georgia

CountyApplicationsOriginationsAmountDenial rate
Fulton County440168$90m42.9%
DeKalb County401166$55m38.4%
Cobb County375155$164m35.7%
Gwinnett County376144$135m43.2%
Cherokee County16798$45m15.4%
Clayton County15657$10m47.2%
Chatham County11846$27m40.0%
Paulding County9043$29m27.1%
Forsyth County8639$17m22.0%
Douglas County7031$5.9m39.2%
Houston County5730$6.1m29.5%
Henry County9029$6.7m54.7%
Fayette County5429$54m32.6%
Muscogee County6828$4.5m50.0%
Hall County6625$33m34.2%
Coweta County4425$7.7m30.6%
Richmond County6923$3.4m45.2%
Bibb County4722$7.1m40.5%
Whitfield County4421$8.5m40.0%
Rockdale County4519$20m44.1%
Columbia County4318$3.9m33.3%
Newton County4916$3.3m43.3%
Floyd County4416$2.9m50.0%
Carroll County4016$3.4m48.4%
Bartow County4715$4.1m50.0%
Jackson County3515$3.6m—
Spalding County2715$3.2m—
Clarke County2714$3.5m—
Walton County4613$3.0m58.1%
Barrow County2812$2.6m—

Counties with at least 25 applications, by originations.

Questions and answers

How many mortgages did Wells Fargo Bank NA originate in Georgia in 2024?

1,612 loans totalling $851m, from 3,898 applications reported for properties in Georgia.

What is Wells Fargo Bank NA's denial rate in Georgia?

39.3% of decided applications in Georgia were denied, against 26.9% for all lenders in the state and 31.7% 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 Wells Fargo Bank NA lend in most?

By originations: Fulton County (168), DeKalb County (166), Cobb County (155), Gwinnett County (144), Cherokee County (98).

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.