Lenders › Flagstar Bank NA › Georgia
Flagstar Bank 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.
Flagstar Bank NA's 2024 HMDA record for Georgia covers 2,337 applications, 1,430 of them originated, worth $397m.
Its denial rate in the state was 27.9%, close to the Georgia rate of 26.9% across all lenders and compared with the lender's national rate of 29.4%.
The median rate spread on its Georgia originations was 0.4 percentage points (state median 0.4).
Applications in the state were down 13% on 2023.
Compared with the state and the lender's national record
| Measure | In Georgia | Georgia, all lenders | Flagstar Bank NA, all states | United States |
|---|---|---|---|---|
| Denial rate | 27.9% | 26.9% | 29.4% | 24.3% |
| Median rate spread, pp | 0.4 | 0.4 | 0.4 | 0.3 |
| Originations with spread of 1.5 pp or more | 13.4% | 17.5% | 12.8% | 15.6% |
| Average originated loan | $278k | $313k | $303k | $329k |
| Home purchase share | 69.0% | 57.0% | 68.2% | 57.0% |
| FHA-insured share | 36.3% | 18.3% | 22.2% | 13.4% |
| VA-guaranteed share | 9.4% | 11.6% | 7.0% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateGeorgia, all lenders
Loan purpose and loan type in Georgia
By purpose
Home purchase 69% (986)Home improvement 0% (1)Refinancing 6% (87)Cash-out refinancing 23% (331)Other purpose 2% (25)
By type
Conventional 51% (735)FHA 36% (519)VA 9% (134)USDA 3% (42)
Denial reasons as coded
Share of 558 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 | 195 | 101 | $41m | 38.3% |
| Lee County | 101 | 91 | $23m | 7.1% |
| Cobb County | 173 | 90 | $38m | 35.9% |
| Dougherty County | 94 | 75 | $14m | 14.6% |
| DeKalb County | 118 | 67 | $24m | 34.0% |
| Gwinnett County | 146 | 62 | $20m | 42.6% |
| Thomas County | 69 | 58 | $13m | 12.1% |
| Chatham County | 89 | 51 | $15m | 29.7% |
| Cherokee County | 62 | 41 | $11m | 20.8% |
| Effingham County | 61 | 39 | $12m | 27.8% |
| Paulding County | 50 | 33 | $8.6m | 26.7% |
| Colquitt County | 48 | 33 | $6.1m | 29.8% |
| Columbia County | 45 | 33 | $8.9m | 19.5% |
| Henry County | 57 | 30 | $8.4m | 30.2% |
| Troup County | 46 | 27 | $5.7m | 30.8% |
| Bibb County | 38 | 27 | $5.0m | 22.9% |
| Forsyth County | 51 | 23 | $10.0m | 35.1% |
| Bartow County | 34 | 19 | $6.2m | 40.6% |
| Carroll County | 29 | 19 | $4.5m | 29.6% |
| Clayton County | 34 | 18 | $3.5m | 30.8% |
| Richmond County | 28 | 18 | $3.9m | — |
| Fayette County | 27 | 18 | $4.2m | — |
| Hall County | 26 | 16 | $4.4m | — |
| Houston County | 25 | 15 | $2.6m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Flagstar Bank NA originate in Georgia in 2024?
1,430 loans totalling $397m, from 2,337 applications reported for properties in Georgia.
What is Flagstar Bank NA's denial rate in Georgia?
27.9% of decided applications in Georgia were denied, against 26.9% for all lenders in the state and 29.4% 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 Flagstar Bank NA lend in most?
By originations: Fulton County (101), Lee County (91), Cobb County (90), Dougherty County (75), DeKalb County (67).
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.