Georgia
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005

Discover comprehensive Georgia mortgage statistics and HMDA loan application data from 2003 to 2023.
Explore detailed insights into the total number of mortgage applications, loan amounts, and lending trends across the state.
Our interactive lists allow you to analyze mortgage data by county and metropolitan area, helping you track regional lending patterns.

Need in-depth lender data?
Easily download a formatted spreadsheet containing aggregated HMDA statistics for all Georgia based lenders.
Whether you're an industry analyst, homebuyer, or researcher, this data provides valuable insights into Georgia's mortgage market trends.

Years 2023  2022  2021  2020  2019  2018  2017  2016  2015  2014  2013  2012  2011  2010  2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 1,158,030
Total Mortgage Loan Application Amount $160,042,643,000
Average Mortgage Loan Application Amount $138,000
Highest Mortgage Loan Application Amount $62,000,000
Average Applicant Income $66,000
Highest Applicant Income $9,999,000

Explore comprehensive HMDA mortgage statistics and application trends for 2005 in Georgia. Below, you'll find key insights, including total mortgage applications, average loan amounts, highest application amounts, and the income levels of top applicants. If you're researching mortgage and loan application data in Georgia, these statistics will help you understand market trends and lending patterns as you navigate the mortgage process.

Our HMDA dataset allows you to analyze mortgage loan applications for 2005 across various categories, including loan purpose, applicant race, loan type, application outcomes, and reasons for denial. These detailed breakdowns provide valuable insights into borrower demographics and lender activity, making them an essential resource for homebuyers, real estate professionals, and industry analysts.

Each category highlights the total number of mortgage applications, total loan amounts, average mortgage sizes, and the highest loan amounts within each segment. You can also explore borrower income data, including average applicant income and the highest reported incomes for mortgage applicants. Whether you're evaluating lender performance, researching loan approval trends, or comparing mortgage options, this HMDA-backed data offers a valuable snapshot of the mortgage landscape in Georgia.

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Mortgage Loan Application Detail Totals for Georgia in 2005

Loan Purpose

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Refinancing 557,295 $80,917,075,000 $145,000 $62,000,000 $64,000 $9,999,000
Home Purchase 533,840 $74,645,838,000 $139,000 $52,860,000 $68,000 $9,999,000
Home Improvement 66,895 $4,479,730,000 $66,000 $14,300,000 $64,000 $9,999,000

Applicant Race

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
White 509,472 $73,033,916,000 $143,000 $52,860,000 $75,000 $9,999,000
Black or African American 275,511 $32,872,093,000 $119,000 $7,264,000 $58,000 $9,999,000
Not Provided 185,789 $25,964,180,000 $139,000 $62,000,000 $68,000 $9,999,000
Not applicable 114,415 $18,162,688,000 $158,000 $43,200,000 $18,000 $9,825,000
Hispanic 42,743 $5,214,705,000 $122,000 $6,500,000 $62,000 $6,500,000
Asian 23,222 $3,801,162,000 $163,000 $20,000,000 $83,000 $2,785,000
American Indian or Alaskan Native 4,439 $634,635,000 $142,000 $2,386,000 $70,000 $1,620,000
Native Hawaiian or Other Pacific Islander 2,439 $359,264,000 $147,000 $12,806,000 $78,000 $3,695,000

Loan Type

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 1,081,171 $150,028,958,000 $138,000 $62,000,000 $70,000 $9,999,000
FHA-insured (Federal Housing Administration) 57,962 $7,291,858,000 $125,000 $20,260,000 $35,000 $5,576,000
VA-guaranteed (Veterans Administration) 18,248 $2,647,730,000 $145,000 $360,000 $39,000 $9,999,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 649 $74,097,000 $114,000 $432,000 $32,000 $204,000

Outcome

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Loan Originated 482,340 $67,754,584,000 $140,000 $43,200,000 $74,000 $9,999,000
Application Denied By Financial Institution 228,459 $27,730,224,000 $121,000 $52,860,000 $62,000 $9,999,000
Loan Purchased By The Institution 206,342 $30,923,286,000 $149,000 $15,319,000 $43,000 $9,999,000
Application Withdrawn By Applicant 132,603 $19,315,082,000 $145,000 $62,000,000 $68,000 $9,999,000
Application Approved But Not Accepted 65,658 $8,135,657,000 $123,000 $4,875,000 $70,000 $7,500,000
File Closed For Incompleteness 42,127 $6,116,815,000 $145,000 $13,000,000 $73,000 $9,999,000
Preapproval Denied by Financial Institution 490 $65,143,000 $132,000 $680,000 $46,000 $287,000
Preapproval Approved but not Accepted 11 $1,852,000 $168,000 $248,000 $81,000 $235,000

Denial Reason

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Other 50,037 $6,498,097,000 $129,000 $6,000,000 $67,000 $9,999,000
Credit History 43,409 $4,516,831,000 $104,000 $12,806,000 $59,000 $7,500,000
Collateral 20,729 $2,821,856,000 $136,000 $4,500,000 $74,000 $5,505,000
Debt-To-Income Ratio 18,190 $2,345,028,000 $128,000 $7,264,000 $52,000 $1,644,000
Credit Application Incomplete 15,116 $2,194,282,000 $145,000 $6,890,000 $68,000 $4,000,000
Unverifiable Information 6,010 $923,303,000 $153,000 $52,860,000 $76,000 $3,000,000
Insufficient Cash (Downpayment, Closing Cost) 2,045 $320,391,000 $156,000 $5,250,000 $73,000 $1,975,000
Employment History 1,970 $260,476,000 $132,000 $2,145,000 $70,000 $4,000,000
Mortgage Insurance Denied 71 $9,298,000 $130,000 $414,000 $66,000 $275,000
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Mortgage Loan Application Totals in 2005 by Georgia Metropolitan Area

Metro Area Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Application Amount Average Applicant Income
ALBANY, GA 11,562 $ 1,080,655,000 $ 93,000 $ 59,000
ATHENS-CLARKE COUNTY, GA 16,801 $ 2,161,786,000 $ 128,000 $ 68,000
ATLANTA-SANDY SPRINGS-MARIETTA, GA 788,327 $ 117,893,306,000 $ 149,000 $ 71,000
AUGUSTA-RICHMOND COUNTY, GA-SC 34,946 $ 3,682,227,000 $ 105,000 $ 57,000
BRUNSWICK, GA 10,099 $ 1,742,266,000 $ 172,000 $ 84,000
COLUMBUS, GA-AL 22,543 $ 2,558,800,000 $ 113,000 $ 61,000
DALTON, GA 11,029 $ 1,110,317,000 $ 100,000 $ 55,000
GAINESVILLE, GA 19,101 $ 2,787,733,000 $ 145,000 $ 68,000
HINESVILLE-FORT STEWART, GA 6,626 $ 572,434,000 $ 86,000 $ 53,000
MACON, GA 20,706 $ 2,162,181,000 $ 104,000 $ 60,000
ROME, GA 8,034 $ 831,801,000 $ 103,000 $ 57,000
SAVANNAH, GA 37,406 $ 5,207,450,000 $ 139,000 $ 68,000
VALDOSTA, GA 9,679 $ 1,003,780,000 $ 103,000 $ 55,000
WARNER ROBINS, GA 13,901 $ 1,472,206,000 $ 105,000 $ 58,000
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Mortgage Loan Application Totals in 2005 by Georgia County

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Application Amount Average Applicant Income
Appling 761 $ 59,467,000 $ 78,000 $ 50,000
Atkinson 149 $ 9,531,000 $ 63,000 $ 45,000
Bacon 402 $ 31,682,000 $ 78,000 $ 52,000
Baker 94 $ 5,939,000 $ 63,000 $ 47,000
Baldwin 3,049 $ 324,469,000 $ 106,000 $ 60,000
Banks 1,490 $ 168,932,000 $ 113,000 $ 56,000
Barrow 11,387 $ 1,290,901,000 $ 113,000 $ 53,000
Bartow 12,758 $ 1,483,504,000 $ 116,000 $ 58,000
Ben Hill 1,083 $ 78,352,000 $ 72,000 $ 52,000
Berrien 1,174 $ 79,004,000 $ 67,000 $ 51,000
Bibb 14,244 $ 1,472,213,000 $ 103,000 $ 63,000
Bleckley 425 $ 41,114,000 $ 96,000 $ 57,000
Brantley 686 $ 40,445,000 $ 58,000 $ 45,000
Brooks 997 $ 77,034,000 $ 77,000 $ 48,000
Bryan 3,964 $ 595,485,000 $ 150,000 $ 74,000
Bulloch 3,849 $ 425,305,000 $ 110,000 $ 60,000
Burke 1,532 $ 116,936,000 $ 76,000 $ 50,000
Butts 2,863 $ 318,210,000 $ 111,000 $ 56,000
Calhoun 229 $ 14,538,000 $ 63,000 $ 40,000
Camden 6,031 $ 699,962,000 $ 116,000 $ 61,000
Candler 385 $ 33,218,000 $ 86,000 $ 51,000
Carroll 14,397 $ 1,620,532,000 $ 112,000 $ 56,000
Catoosa 6,812 $ 709,848,000 $ 104,000 $ 54,000
Charlton 521 $ 41,341,000 $ 79,000 $ 53,000
Chatham 27,424 $ 3,914,547,000 $ 142,000 $ 70,000
Chattahoochee 220 $ 17,884,000 $ 81,000 $ 48,000
Chattooga 1,883 $ 153,819,000 $ 81,000 $ 44,000
Cherokee 34,097 $ 5,228,822,000 $ 153,000 $ 75,000
Clarke 9,318 $ 1,148,133,000 $ 123,000 $ 73,000
Clay 111 $ 8,163,000 $ 73,000 $ 56,000
Clayton 42,813 $ 4,492,165,000 $ 104,000 $ 54,000
Clinch 398 $ 24,788,000 $ 62,000 $ 49,000
Cobb 94,960 $ 14,977,166,000 $ 157,000 $ 79,000
Coffee 2,146 $ 178,360,000 $ 83,000 $ 47,000
Colquitt 2,274 $ 196,562,000 $ 86,000 $ 46,000
Columbia 13,522 $ 1,804,086,000 $ 133,000 $ 67,000
Cook 1,048 $ 84,042,000 $ 80,000 $ 49,000
Coweta 17,240 $ 2,312,513,000 $ 134,000 $ 64,000
Crawford 877 $ 71,668,000 $ 81,000 $ 47,000
Crisp 960 $ 92,355,000 $ 96,000 $ 62,000
Dade 1,356 $ 127,208,000 $ 93,000 $ 57,000
Dawson 3,091 $ 507,934,000 $ 164,000 $ 86,000
Decatur 1,760 $ 153,141,000 $ 87,000 $ 50,000
DeKalb 104,973 $ 14,860,233,000 $ 141,000 $ 72,000
Dodge 826 $ 69,371,000 $ 83,000 $ 49,000
Dooly 430 $ 28,533,000 $ 66,000 $ 54,000
Dougherty 6,415 $ 592,321,000 $ 92,000 $ 59,000
Douglas 21,308 $ 2,682,175,000 $ 125,000 $ 63,000
Early 542 $ 32,643,000 $ 60,000 $ 48,000
Echols 120 $ 7,679,000 $ 63,000 $ 36,000
Effingham 6,037 $ 699,351,000 $ 115,000 $ 59,000
Elbert 1,272 $ 111,873,000 $ 87,000 $ 59,000
Emanuel 1,054 $ 76,367,000 $ 72,000 $ 46,000
Evans 496 $ 40,994,000 $ 82,000 $ 47,000
Fannin 3,279 $ 504,804,000 $ 153,000 $ 94,000
Fayette 14,929 $ 2,917,804,000 $ 195,000 $ 91,000
Floyd 8,045 $ 832,746,000 $ 103,000 $ 57,000
Forsyth 25,712 $ 4,901,538,000 $ 190,000 $ 91,000
Franklin 1,740 $ 177,880,000 $ 102,000 $ 60,000
Fulton 143,940 $ 26,904,902,000 $ 186,000 $ 98,000
Gilmer 3,262 $ 417,053,000 $ 127,000 $ 74,000
Glascock 165 $ 11,422,000 $ 69,000 $ 50,000
Glynn 8,395 $ 1,577,406,000 $ 187,000 $ 93,000
Gordon 5,240 $ 553,941,000 $ 105,000 $ 50,000
Grady 1,288 $ 121,680,000 $ 94,000 $ 53,000
Greene 1,859 $ 458,512,000 $ 246,000 $ 130,000
Gwinnett 115,690 $ 17,278,025,000 $ 149,000 $ 73,000
Habersham 3,836 $ 442,511,000 $ 115,000 $ 57,000
Hall 19,107 $ 2,788,127,000 $ 145,000 $ 68,000
Hancock 577 $ 64,065,000 $ 111,000 $ 70,000
Haralson 2,991 $ 316,791,000 $ 105,000 $ 55,000
Harris 3,772 $ 557,448,000 $ 147,000 $ 72,000
Hart 2,092 $ 253,803,000 $ 121,000 $ 69,000
Heard 1,161 $ 113,574,000 $ 97,000 $ 48,000
Henry 36,381 $ 4,933,694,000 $ 135,000 $ 69,000
Houston 13,947 $ 1,477,788,000 $ 105,000 $ 58,000
Irwin 343 $ 26,338,000 $ 76,000 $ 42,000
Jackson 8,373 $ 1,065,969,000 $ 127,000 $ 61,000
Jasper 1,685 $ 200,883,000 $ 119,000 $ 58,000
Jeff Davis 581 $ 44,970,000 $ 77,000 $ 50,000
Jefferson 926 $ 60,335,000 $ 65,000 $ 42,000
Jenkins 412 $ 27,841,000 $ 67,000 $ 40,000
Johnson 234 $ 17,126,000 $ 73,000 $ 46,000
Jones 2,744 $ 296,208,000 $ 107,000 $ 58,000
Lamar 1,638 $ 172,152,000 $ 105,000 $ 50,000
Lanier 546 $ 38,711,000 $ 70,000 $ 45,000
Laurens 2,990 $ 268,037,000 $ 89,000 $ 49,000
Lee 2,907 $ 336,953,000 $ 115,000 $ 68,000
Liberty 5,866 $ 515,541,000 $ 87,000 $ 53,000
Lincoln 501 $ 55,524,000 $ 110,000 $ 62,000
Long 768 $ 57,888,000 $ 75,000 $ 54,000
Lowndes 8,022 $ 881,083,000 $ 109,000 $ 59,000
Lumpkin 2,927 $ 386,155,000 $ 131,000 $ 62,000
Macon 562 $ 41,071,000 $ 73,000 $ 54,000
Madison 2,468 $ 251,614,000 $ 101,000 $ 52,000
Marion 529 $ 41,031,000 $ 77,000 $ 49,000
McDuffie 1,660 $ 138,087,000 $ 83,000 $ 49,000
McIntosh 1,028 $ 125,730,000 $ 122,000 $ 66,000
Meriwether 2,132 $ 193,180,000 $ 90,000 $ 50,000
Miller 344 $ 23,502,000 $ 68,000 $ 52,000
Mitchell 1,308 $ 92,534,000 $ 70,000 $ 41,000
Monroe 2,300 $ 281,556,000 $ 122,000 $ 63,000
Montgomery 336 $ 28,066,000 $ 83,000 $ 51,000
Morgan 1,961 $ 298,228,000 $ 152,000 $ 79,000
Murray 3,224 $ 289,428,000 $ 89,000 $ 50,000
Muscogee 18,030 $ 1,943,560,000 $ 107,000 $ 59,000
Newton 17,995 $ 2,143,202,000 $ 119,000 $ 57,000
Oconee 3,565 $ 617,420,000 $ 173,000 $ 82,000
Oglethorpe 1,482 $ 151,427,000 $ 102,000 $ 50,000
Paulding 25,510 $ 3,051,847,000 $ 119,000 $ 59,000
Peach 1,977 $ 190,987,000 $ 96,000 $ 53,000
Pickens 3,872 $ 571,205,000 $ 147,000 $ 80,000
Pierce 900 $ 81,296,000 $ 90,000 $ 56,000
Pike 1,957 $ 246,644,000 $ 126,000 $ 61,000
Polk 3,384 $ 325,190,000 $ 96,000 $ 52,000
Pulaski 518 $ 42,314,000 $ 81,000 $ 54,000
Putnam 2,251 $ 399,964,000 $ 177,000 $ 95,000
Quitman 146 $ 10,469,000 $ 71,000 $ 48,000
Rabun 1,529 $ 297,145,000 $ 194,000 $ 111,000
Randolph 295 $ 18,592,000 $ 63,000 $ 52,000
Richmond 18,247 $ 1,625,981,000 $ 89,000 $ 52,000
Rockdale 12,953 $ 1,792,456,000 $ 138,000 $ 68,000
Schley 193 $ 15,294,000 $ 79,000 $ 51,000
Screven 788 $ 61,510,000 $ 78,000 $ 53,000
Seminole 490 $ 38,884,000 $ 79,000 $ 55,000
Spalding 7,829 $ 805,376,000 $ 102,000 $ 56,000
Stephens 1,703 $ 164,476,000 $ 96,000 $ 59,000
Stewart 150 $ 9,052,000 $ 60,000 $ 44,000
Sumter 1,755 $ 146,483,000 $ 83,000 $ 57,000
Talbot 471 $ 39,424,000 $ 83,000 $ 50,000
Taliaferro 100 $ 6,899,000 $ 68,000 $ 46,000
Tattnall 1,041 $ 80,694,000 $ 77,000 $ 47,000
Taylor 297 $ 21,530,000 $ 72,000 $ 46,000
Telfair 351 $ 25,898,000 $ 73,000 $ 54,000
Terrell 825 $ 49,896,000 $ 60,000 $ 45,000
Thomas 2,639 $ 273,776,000 $ 103,000 $ 53,000
Tift 2,099 $ 206,270,000 $ 98,000 $ 52,000
Toombs 1,518 $ 129,736,000 $ 85,000 $ 51,000
Towns 1,264 $ 196,680,000 $ 155,000 $ 89,000
Treutlen 219 $ 15,511,000 $ 70,000 $ 47,000
Troup 6,494 $ 639,668,000 $ 98,000 $ 52,000
Turner 453 $ 31,353,000 $ 69,000 $ 48,000
Twiggs 567 $ 43,330,000 $ 76,000 $ 46,000
Union 2,437 $ 339,923,000 $ 139,000 $ 80,000
Upson 1,998 $ 173,586,000 $ 86,000 $ 46,000
Walker 6,626 $ 585,637,000 $ 88,000 $ 48,000
Walton 12,444 $ 1,624,773,000 $ 130,000 $ 63,000
Ware 1,876 $ 138,251,000 $ 73,000 $ 48,000
Warren 345 $ 24,524,000 $ 71,000 $ 52,000
Washington 970 $ 75,307,000 $ 77,000 $ 47,000
Wayne 1,915 $ 166,199,000 $ 86,000 $ 50,000
Webster 61 $ 3,795,000 $ 62,000 $ 56,000
Wheeler 105 $ 7,497,000 $ 71,000 $ 60,000
White 2,781 $ 367,425,000 $ 132,000 $ 64,000
Whitfield 7,809 $ 821,259,000 $ 105,000 $ 58,000
Wilcox 247 $ 18,693,000 $ 75,000 $ 47,000
Wilkes 472 $ 44,474,000 $ 94,000 $ 57,000
Wilkinson 532 $ 40,813,000 $ 76,000 $ 43,000
Worth 1,327 $ 96,391,000 $ 72,000 $ 50,000

Our comprehensive HMDA mortgage statistics offer invaluable insights into Georgia's 2005 lending landscape. By analyzing detailed data on mortgage applications, loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can identify key trends shaping the state's housing market.

This in-depth information enables real estate experts, financial analysts, and policymakers to monitor market shifts, assess borrower demographics, and evaluate lender performance effectively. Leverage this powerful data to make informed decisions, conduct thorough market research, and stay ahead in the evolving mortgage industry.
To gain a deeper understanding of Georgia's mortgage lending environment, download the comprehensive list of lenders and their aggregated HMDA statistics today.

Download the Georgia Lender List