States › Georgia
Georgia mortgage lending
Every HMDA reporter's applications, originations and denial rate for properties in Georgia, with all 159 counties.
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. Record year 2024.
Georgia had 422,002 HMDA-reported mortgage applications and 227,742 originations ($71bn) in 2024, from 539 lenders with at least 25 applications in the state.
The statewide denial rate was 26.9% (national 24.3%) and the median rate spread 0.4 percentage points (national 0.3). Originations ran at 55.9 per 1,000 households, against 48.0 nationally.
Originations in the state went from 255,176 in 2018 to 227,742 in 2024; the denial rate moved from 26.6% to 26.9%.
The most active lenders by originations were Rocket Mortgage (19,055), United Wholesale Mortgage (14,486) and Ameris Bank (6,115).
Most active lenders in Georgia
| # | Lender | Applications | Originations | Amount | Denial rate | Median spread |
|---|---|---|---|---|---|---|
| 1 | Rocket Mortgage | 25,763 | 19,055 | $4.7bn | 17.6% | 0.4 |
| 2 | United Wholesale Mortgage | 20,074 | 14,486 | $4.9bn | 14.7% | 0.1 |
| 3 | Ameris Bank | 8,836 | 6,115 | $2.1bn | 11.7% | 0.2 |
| 4 | Navy Federal Credit Union | 13,303 | 5,575 | $973m | 39.1% | 1.4 |
| 5 | Truist Bank | 10,059 | 4,121 | $1.3bn | 51.3% | 0.2 |
| 6 | New American Funding, LLC. | 8,731 | 3,972 | $1.1bn | 17.5% | 0.6 |
| 7 | Mortgage Research Center | 8,048 | 3,944 | $1.2bn | 25.1% | -0.1 |
| 8 | Pennymac Loan Services LLC | 7,859 | 3,890 | $1.1bn | 19.6% | 0.3 |
| 9 | Fairway Independent Mort Corp | 5,201 | 3,733 | $1.3bn | 4.3% | 0.4 |
| 10 | Bank of America NA | 10,008 | 3,397 | $791m | 54.8% | 1.7 |
| 11 | Freedom Mortgage Corporation | 7,171 | 3,379 | $1.1bn | 15.3% | 0.2 |
| 12 | Delta Community Credit Union | 5,944 | 3,269 | $643m | 32.5% | 0.1 |
| 13 | Loandepot.com, LLC | 6,307 | 3,262 | $858m | 34.6% | 0.4 |
| 14 | DHI Mortgage Company, LTD. | 4,086 | 3,048 | $1.1bn | 11.8% | -0.9 |
| 15 | Movement Mortgage, LLC | 4,231 | 3,023 | $937m | 5.6% | 0.4 |
| 16 | Guild Mortgage Company | 4,265 | 2,974 | $823m | 5.9% | 0.2 |
| 17 | United Community Bank | 4,529 | 2,923 | $641m | 27.0% | -0.1 |
| 18 | Regions Bank | 6,626 | 2,696 | $828m | 46.0% | 0.4 |
| 19 | Synovus Bank | 4,208 | 2,641 | $708m | 23.5% | 0.7 |
| 20 | Crosscountry Mortgage, LLC | 4,448 | 2,425 | $834m | 5.5% | 0.5 |
| 21 | Everett Financial, Inc. | 3,255 | 2,330 | $725m | 11.8% | 0.6 |
| 22 | Nationstar Mortgage | 3,475 | 2,305 | $407m | 17.7% | 1.3 |
| 23 | Vanderbilt Mortgage and Finance, Inc | 7,104 | 2,274 | $728m | 47.1% | 0.3 |
| 24 | BankSouth Mortgage Company LLC | 2,740 | 2,182 | $826m | 4.2% | 0.3 |
| 25 | JPMorgan Chase Bank, NA | 3,525 | 2,174 | $1.0bn | 12.9% | 0.0 |
| 26 | Guaranteed Rate, Inc. | 3,236 | 1,917 | $647m | 10.5% | 0.3 |
| 27 | SouthState Bank, N.A. | 2,735 | 1,827 | $612m | 21.5% | 0.2 |
| 28 | Discover Bank | 9,702 | 1,779 | $161m | 72.8% | 2.2 |
| 29 | Newrez LLC | 5,790 | 1,714 | $420m | 43.1% | 0.6 |
| 30 | Figure Lending LLC | 3,482 | 1,693 | $119m | 28.7% | 4.0 |
| 31 | Renasant Bank | 2,280 | 1,639 | $464m | 10.6% | 0.2 |
| 32 | Georgia United Credit Union | 2,846 | 1,621 | $200m | 34.6% | 0.3 |
| 33 | Wells Fargo Bank NA | 3,898 | 1,612 | $851m | 39.3% | 0.0 |
| 34 | Robins Financial Credit Union | 2,373 | 1,455 | $173m | 30.3% | -0.2 |
| 35 | Flagstar Bank NA | 2,337 | 1,430 | $397m | 27.9% | 0.4 |
| 36 | First Option Mortgage, LLC | 2,038 | 1,404 | $416m | 3.9% | 1.0 |
| 37 | Canopy Mortgage, LLC | 1,952 | 1,365 | $436m | 2.5% | 0.3 |
| 38 | Spring Eq, LLC | 4,578 | 1,350 | $123m | 63.4% | 3.7 |
| 39 | 21st Mortgage | 7,553 | 1,315 | $171m | 72.3% | 3.7 |
| 40 | Kiavi Funding, Inc. | 1,863 | 1,270 | $303m | 12.3% | — |
| 41 | Southeast Mortgage of Georgia, Inc. | 1,882 | 1,233 | $397m | 3.7% | 0.4 |
| 42 | PNC Bank N.A. | 2,682 | 1,221 | $271m | 41.1% | 1.0 |
| 43 | Georgia'S Own Credit Union | 3,414 | 1,150 | $214m | 50.1% | 1.6 |
| 44 | BoxCar Mortgage, LLC | 1,535 | 1,131 | $441m | 3.4% | 0.3 |
| 45 | Prosperity Home Mortgage, LLC | 1,632 | 1,059 | $394m | 12.2% | 0.2 |
| 46 | Atlantic Bay Mortgage Group | 1,343 | 1,019 | $309m | 2.1% | 0.3 |
| 47 | Acu | 1,703 | 982 | $240m | 21.9% | -0.7 |
| 48 | Kind Lending, LLC | 1,474 | 963 | $349m | 24.6% | 0.4 |
| 49 | Amerisave Mortgage Company | 6,457 | 956 | $132m | 82.5% | 3.3 |
| 50 | Zillow Home Loans, LLC | 1,394 | 949 | $319m | 9.3% | 0.3 |
| 51 | Mutual of Omaha Mortgage | 1,671 | 947 | $265m | 25.9% | 0.4 |
| 52 | American Pacific Mortgage Corporation | 1,366 | 945 | $258m | 9.7% | 0.6 |
| 53 | Homeowners Financial Group, LLC | 1,356 | 934 | $330m | 6.1% | 0.3 |
| 54 | Credit Union of Georgia | 1,243 | 925 | $106m | 20.1% | 0.8 |
| 55 | CMG Mortgage Inc | 1,441 | 913 | $301m | 6.1% | 0.3 |
| 56 | Us Bank, N.A. | 2,015 | 912 | $331m | 46.3% | 0.5 |
| 57 | Pulte Mortgage LLC | 1,257 | 909 | $372m | 14.2% | -0.4 |
| 58 | Capital City Home Loans, LLC | 1,230 | 893 | $347m | 6.1% | 0.4 |
| 59 | Third Federal Savings and Loan | 1,827 | 884 | $118m | 43.8% | -0.6 |
| 60 | Lennar Mortgage, LLC | 1,111 | 864 | $297m | 11.5% | -1.0 |
Top 60 of 539 lenders with at least 25 applications in the state, by originations. 332 lenders have 100 or more applications here and link to a state-specific page.
Compared with the nation
| Measure | Georgia | United States |
|---|---|---|
| Denial rate | 26.9% | 24.3% |
| Median rate spread, pp | 0.4 | 0.3 |
| Originations with spread of 1.5 pp or more | 17.5% | 15.6% |
| Average originated loan | $313k | $329k |
| Originations per 1,000 households | 55.9 | 48.0 |
| Home purchase share of originations | 57.0% | 57.0% |
| FHA-insured share | 18.3% | 13.4% |
| VA-guaranteed share | 11.6% | 7.9% |
Trend, 2018–2024
ApplicationsOriginations
GeorgiaUnited States
FHA share of originationsVA share
| Year | Applications | Originations | Amount | Denial rate | FHA | VA | Refinance share |
|---|---|---|---|---|---|---|---|
| 2018 | 454,421 | 255,176 | $58bn | 26.6% | 17.9% | 10.6% | 27.7% |
| 2019 | 526,689 | 302,485 | $74bn | 24.0% | 17.5% | 12.7% | 36.4% |
| 2020 | 748,121 | 454,021 | $121bn | 18.6% | 14.1% | 13.3% | 55.1% |
| 2021 | 801,927 | 485,934 | $133bn | 18.6% | 13.1% | 11.9% | 54.6% |
| 2022 | 534,525 | 291,616 | $90bn | 25.4% | 14.4% | 10.6% | 32.8% |
| 2023 | 398,664 | 209,723 | $62bn | 28.4% | 18.7% | 10.0% | 21.6% |
| 2024 | 422,002 | 227,742 | $71bn | 26.9% | 18.3% | 11.6% | 26.2% |
Yearly figures from the HMDA Data Browser aggregations for the state (all reporters).
Loan purpose and loan type, 2024
By purpose
Home purchase 57% (129,866)Home improvement 8% (17,902)Refinancing 11% (25,555)Cash-out refinancing 15% (34,197)Other purpose 9% (20,163)
By type
Conventional 70% (158,417)FHA 18% (41,707)VA 12% (26,470)USDA 1% (1,148)
Counties
| County | Applications | Originations | Per 1,000 households | Denial rate | Median spread | Lenders |
|---|---|---|---|---|---|---|
| Fulton County | 41,329 | 21,536 | 46.6 | 28.1% | 0.3 | 191 |
| Gwinnett County | 36,289 | 19,054 | 58.3 | 28.6% | 0.4 | 168 |
| Cobb County | 29,178 | 16,383 | 55.4 | 24.9% | 0.4 | 159 |
| DeKalb County | 26,651 | 13,669 | 47.6 | 29.2% | 0.3 | 153 |
| Cherokee County | 13,767 | 8,355 | 82.3 | 20.4% | 0.3 | 101 |
| Forsyth County | 12,877 | 7,348 | 82.5 | 23.1% | 0.3 | 82 |
| Henry County | 13,860 | 6,667 | 76.9 | 33.2% | 0.3 | 96 |
| Chatham County | 11,899 | 6,627 | 55.0 | 24.6% | 0.3 | 79 |
| Paulding County | 9,278 | 5,441 | 90.7 | 23.1% | 0.4 | 71 |
| Clayton County | 10,556 | 4,693 | 44.3 | 35.8% | 0.5 | 81 |
| Houston County | 7,448 | 4,509 | 70.6 | 20.5% | 0.2 | 55 |
| Hall County | 7,689 | 4,340 | 59.0 | 25.9% | 0.4 | 67 |
| Columbia County | 7,151 | 4,234 | 76.8 | 20.2% | 0.1 | 58 |
| Coweta County | 6,895 | 4,032 | 71.6 | 22.9% | 0.3 | 58 |
| Douglas County | 6,855 | 3,435 | 66.0 | 31.5% | 0.4 | 62 |
| Muscogee County | 5,839 | 3,198 | 39.3 | 24.0% | 0.3 | 46 |
| Bartow County | 5,079 | 3,156 | 77.3 | 20.3% | 0.4 | 51 |
| Richmond County | 6,279 | 3,150 | 41.1 | 28.6% | 0.2 | 57 |
| Jackson County | 5,119 | 3,148 | 110.8 | 21.0% | 0.3 | 50 |
| Fayette County | 5,495 | 2,874 | 64.5 | 29.1% | 0.3 | 49 |
| Barrow County | 4,825 | 2,774 | 90.1 | 24.5% | 0.3 | 47 |
| Walton County | 4,859 | 2,774 | 77.6 | 24.6% | 0.4 | 47 |
| Newton County | 5,619 | 2,765 | 67.1 | 31.9% | 0.4 | 51 |
| Carroll County | 4,846 | 2,704 | 61.3 | 25.7% | 0.4 | 51 |
| Bibb County | 4,844 | 2,610 | 43.6 | 27.1% | 0.4 | 45 |
| Lowndes County | 4,234 | 2,517 | 54.6 | 23.6% | 0.2 | 39 |
| Rockdale County | 4,845 | 2,249 | 65.3 | 34.6% | 0.4 | 43 |
| Liberty County | 3,773 | 2,055 | 85.6 | 22.2% | 0.1 | 35 |
| Effingham County | 3,507 | 1,993 | 82.1 | 23.4% | 0.4 | 36 |
| Glynn County | 3,084 | 1,849 | 52.0 | 22.4% | 0.3 | 35 |
| Floyd County | 3,359 | 1,848 | 50.1 | 26.4% | 0.5 | 36 |
| Camden County | 3,079 | 1,828 | 84.3 | 20.0% | 0.1 | 31 |
| Clarke County | 2,910 | 1,757 | 32.3 | 19.7% | 0.3 | 34 |
| Spalding County | 3,055 | 1,673 | 63.2 | 24.3% | 0.3 | 34 |
| Whitfield County | 3,107 | 1,654 | 44.9 | 29.0% | 0.5 | 31 |
| Catoosa County | 2,997 | 1,651 | 61.9 | 25.4% | 0.5 | 29 |
| Walker County | 3,008 | 1,614 | 61.2 | 26.3% | 0.5 | 30 |
| Bryan County | 2,606 | 1,582 | 95.3 | 19.7% | 0.1 | 24 |
| Dawson County | 2,174 | 1,372 | 118.6 | 18.1% | 0.3 | 21 |
| Bulloch County | 2,334 | 1,319 | 42.7 | 24.1% | 0.5 | 25 |
| Troup County | 2,527 | 1,305 | 48.5 | 28.8% | 0.5 | 32 |
| Gordon County | 2,141 | 1,227 | 57.5 | 25.1% | 0.5 | 24 |
| Pickens County | 1,848 | 1,046 | 77.9 | 23.9% | 0.4 | 18 |
| Gilmer County | 1,808 | 1,043 | 80.1 | 23.7% | 0.4 | 12 |
| Dougherty County | 1,930 | 1,038 | 30.3 | 30.0% | 0.5 | 23 |
| Oconee County | 1,616 | 1,032 | 68.8 | 18.1% | 0.3 | 19 |
| Habersham County | 1,773 | 1,019 | 60.8 | 23.1% | 0.6 | 19 |
| Long County | 1,550 | 953 | 154.7 | 19.3% | -0.0 | 13 |
| Harris County | 1,537 | 891 | 68.4 | 21.7% | 0.3 | 17 |
| Fannin County | 1,438 | 877 | 73.8 | 21.2% | 0.4 | 9 |
| Polk County | 1,495 | 791 | 49.7 | 27.4% | 0.6 | 13 |
| Lumpkin County | 1,446 | 780 | 66.8 | 28.1% | 0.4 | 13 |
| Lee County | 1,297 | 775 | 63.1 | 23.2% | 0.3 | 18 |
| Union County | 1,265 | 759 | 66.1 | 22.0% | 0.3 | 10 |
| White County | 1,297 | 737 | 68.7 | 25.4% | 0.5 | 7 |
| Thomas County | 1,393 | 736 | 39.4 | 31.0% | 0.4 | 11 |
| Monroe County | 1,190 | 720 | 68.2 | 22.2% | 0.4 | 8 |
| Haralson County | 1,231 | 676 | 57.5 | 27.7% | 0.5 | 11 |
| Wayne County | 1,182 | 623 | 56.3 | 29.7% | 0.5 | 9 |
| Madison County | 1,124 | 620 | 55.2 | 27.3% | 0.3 | 9 |
| Laurens County | 1,288 | 599 | 32.2 | 34.5% | 0.4 | 12 |
| Murray County | 1,194 | 599 | 39.3 | 30.7% | 0.6 | 9 |
| Peach County | 1,202 | 599 | 56.5 | 28.7% | 0.3 | 11 |
| Butts County | 1,108 | 597 | 66.8 | 26.3% | 0.5 | 9 |
| Hart County | 979 | 596 | 54.0 | 20.8% | 0.4 | 9 |
| Greene County | 930 | 577 | 70.4 | 19.2% | 0.2 | 8 |
| Stephens County | 1,012 | 551 | 52.4 | 28.3% | 0.5 | 9 |
| Putnam County | 953 | 548 | 52.5 | 22.7% | 0.5 | 8 |
| Baldwin County | 1,008 | 507 | 30.6 | 27.4% | 0.5 | 9 |
| Lamar County | 845 | 491 | 68.8 | 24.4% | 0.5 | 3 |
| Upson County | 848 | 490 | 46.2 | 23.8% | 0.4 | 5 |
| Jones County | 954 | 478 | 44.3 | 32.5% | 0.4 | 9 |
| Tift County | 925 | 475 | 30.4 | 32.5% | 0.5 | 11 |
| Ware County | 973 | 466 | 36.0 | 35.3% | 0.7 | 11 |
| Jasper County | 805 | 463 | 77.6 | 22.2% | 0.4 | 7 |
| Pike County | 737 | 458 | 68.1 | 21.6% | 0.3 | 4 |
| Franklin County | 840 | 456 | 50.7 | 25.8% | 0.5 | 5 |
| Colquitt County | 1,019 | 446 | 26.5 | 42.4% | 0.5 | 9 |
| Morgan County | 771 | 429 | 52.8 | 26.3% | 0.4 | 6 |
| Chattooga County | 791 | 425 | 46.4 | 29.5% | 0.6 | 5 |
| Banks County | 712 | 418 | 61.0 | 24.4% | 0.6 | 6 |
| Rabun County | 715 | 416 | 54.6 | 22.5% | 0.4 | 5 |
| Meriwether County | 821 | 413 | 49.2 | 29.9% | 0.5 | 5 |
| Coffee County | 701 | 367 | 23.9 | 31.4% | 0.6 | 4 |
| McIntosh County | 660 | 367 | 72.4 | 25.1% | 0.4 | 5 |
| Pierce County | 638 | 362 | 47.6 | 24.0% | 0.6 | 5 |
| Decatur County | 691 | 360 | 33.9 | 33.9% | 0.3 | 6 |
| Dade County | 622 | 359 | 59.0 | 24.1% | 0.7 | 5 |
| McDuffie County | 605 | 334 | 41.0 | 26.4% | 0.3 | 4 |
| Tattnall County | 596 | 332 | 43.5 | 26.3% | 0.7 | 4 |
| Towns County | 595 | 332 | 56.0 | 23.7% | 0.3 | 2 |
| Oglethorpe County | 570 | 325 | 60.1 | 24.9% | 0.5 | 2 |
| Burke County | 637 | 321 | 35.0 | 31.3% | 0.6 | 5 |
| Brantley County | 654 | 305 | 46.2 | 31.9% | 0.7 | 5 |
| Grady County | 670 | 292 | 28.9 | 40.9% | 0.5 | 5 |
| Sumter County | 573 | 288 | 26.2 | 34.1% | 0.6 | 4 |
| Lanier County | 472 | 284 | 81.5 | 26.0% | 0.2 | 3 |
| Berrien County | 639 | 281 | 39.9 | 38.2% | 0.5 | 6 |
| Elbert County | 604 | 277 | 33.1 | 35.7% | 0.5 | 6 |
| Toombs County | 513 | 224 | 21.5 | 36.3% | 0.6 | 2 |
| Worth County | 573 | 220 | 28.4 | 43.1% | 0.7 | 3 |
| Cook County | 524 | 218 | 34.6 | 40.6% | 0.5 | 5 |
| Brooks County | 464 | 215 | 35.5 | 36.2% | 0.6 | 3 |
| Heard County | 412 | 205 | 47.6 | 30.2% | 0.7 | 1 |
| Crisp County | 379 | 198 | 25.0 | 33.2% | 0.6 | 2 |
| Dodge County | 455 | 192 | 27.9 | 41.6% | 0.6 | 2 |
| Appling County | 448 | 190 | 26.5 | 39.2% | 0.8 | 3 |
| Mitchell County | 551 | 187 | 23.9 | 50.5% | 0.8 | 4 |
| Bleckley County | 343 | 177 | 39.6 | 26.9% | 0.5 | 3 |
| Jefferson County | 359 | 172 | 29.9 | 34.2% | 0.5 | 4 |
| Lincoln County | 270 | 172 | 57.4 | 21.3% | 0.2 | 1 |
| Pulaski County | 308 | 163 | 45.6 | 30.8% | 0.4 | 0 |
| Evans County | 301 | 161 | 39.5 | 29.3% | 0.8 | 2 |
| Seminole County | 293 | 159 | 42.2 | 30.5% | 0.7 | 2 |
| Emanuel County | 401 | 155 | 18.6 | 45.4% | 0.7 | 3 |
| Early County | 285 | 149 | 36.2 | 35.4% | 0.6 | 2 |
| Crawford County | 312 | 143 | 32.2 | 32.5% | 0.6 | 2 |
| Screven County | 318 | 143 | 29.0 | 37.2% | 0.8 | 1 |
| Washington County | 388 | 143 | 19.5 | 48.3% | 0.5 | 3 |
| Charlton County | 328 | 139 | 33.0 | 39.6% | 0.6 | 3 |
| Terrell County | 267 | 132 | 39.0 | 31.3% | 0.6 | 2 |
| Ben Hill County | 293 | 130 | 18.4 | 36.9% | 0.6 | 2 |
| Wilkes County | 259 | 127 | 30.7 | 32.5% | 0.6 | 2 |
| Candler County | 233 | 116 | 27.9 | 34.4% | 0.8 | 1 |
| Jeff Davis County | 285 | 111 | 20.2 | 45.5% | 0.7 | 2 |
| Bacon County | 199 | 102 | 24.3 | 30.6% | 0.8 | 1 |
| Miller County | 197 | 102 | 39.6 | 32.3% | 0.7 | 2 |
| Marion County | 243 | 98 | 33.0 | 38.2% | 0.7 | 2 |
| Turner County | 221 | 97 | 29.4 | 43.8% | 0.8 | 1 |
| Hancock County | 196 | 92 | 31.5 | 35.1% | 1.0 | 1 |
| Dooly County | 201 | 90 | 22.3 | 35.3% | 0.6 | 1 |
| Irwin County | 188 | 86 | 24.0 | 37.7% | 0.5 | 1 |
| Taylor County | 194 | 86 | 27.1 | 43.6% | 0.7 | 0 |
| Twiggs County | 199 | 81 | 28.0 | 42.9% | 0.7 | 1 |
| Wilkinson County | 190 | 81 | 23.3 | 41.1% | 0.8 | 0 |
| Talbot County | 208 | 77 | 30.4 | 34.5% | 0.4 | 0 |
| Macon County | 188 | 75 | 18.1 | 45.4% | 0.9 | 0 |
| Telfair County | 207 | 72 | 21.5 | 50.9% | 0.4 | 1 |
| Jenkins County | 168 | 70 | 21.8 | 41.8% | 0.6 | 0 |
| Clinch County | 141 | 69 | 28.4 | 36.8% | 0.8 | 2 |
| Schley County | 155 | 69 | 42.1 | 37.6% | 0.7 | 2 |
| Johnson County | 164 | 66 | 20.5 | 40.6% | 0.8 | 0 |
| Montgomery County | 146 | 58 | 18.5 | 42.7% | 0.5 | 0 |
| Warren County | 123 | 45 | 21.5 | 53.1% | 0.3 | 0 |
| Atkinson County | 121 | 44 | 13.7 | 50.5% | 1.0 | 1 |
| Randolph County | 118 | 44 | 16.4 | 52.1% | — | 0 |
| Wilcox County | 130 | 43 | 16.4 | 50.0% | 0.5 | 1 |
| Clay County | 96 | 42 | 34.1 | 38.0% | — | 0 |
| Glascock County | 76 | 41 | 39.6 | 25.9% | 0.4 | 0 |
| Wheeler County | 88 | 36 | 22.3 | 44.7% | 0.5 | 0 |
| Calhoun County | 97 | 33 | 20.7 | 51.4% | — | 0 |
| Treutlen County | 102 | 33 | 14.6 | 51.3% | 0.6 | 0 |
| Quitman County | 87 | 29 | 27.2 | 46.9% | — | 0 |
| Chattahoochee County | 68 | 27 | 14.5 | 49.1% | — | 0 |
| Stewart County | 104 | 27 | 15.2 | 66.3% | — | 0 |
| Echols County | 54 | 25 | 21.8 | 41.3% | — | 0 |
| Baker County | 46 | 15 | 13.5 | 38.9% | — | 0 |
| Taliaferro County | 41 | 15 | 25.5 | 42.9% | — | 0 |
| Webster County | 46 | 12 | 14.2 | 65.7% | — | 0 |
By originations. Lenders: those with at least 25 applications in the county.
VA-guaranteed loans by month
VA publishes lender volume nationally, not by state; see the Aug 2026 VA lender table and the monthly series. The VA-guaranteed share of Georgia originations by year is charted above from HMDA.
Questions and answers
Which mortgage lenders are most active in Georgia?
By 2024 originations: Rocket Mortgage (19,055), United Wholesale Mortgage (14,486), Ameris Bank (6,115), Navy Federal Credit Union (5,575), Truist Bank (4,121). 539 lenders had at least 25 applications in the state.
What is the mortgage denial rate in Georgia?
26.9% of decided applications were denied in 2024, against 24.3% nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
How has mortgage lending in Georgia changed since 2018?
Originations went from 255,176 in 2018 to 227,742 in 2024; the denial rate moved from 26.6% to 26.9%.
Where does this data come from?
From the public HMDA loan/application register (FFIEC and CFPB) for 2024, the HMDA Data Browser aggregations for 2018–2024, and Census Bureau household estimates.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 and Data Browser aggregations 2018–2024 (FFIEC and CFPB, public domain); households from the Census Bureau ACS 2024 five-year estimates. Built 30 Sep 2026; data through 1 Aug 2026.