Georgia
Mortgage Loan Application
Totals and Details
in 2016

Years 2016  2015  2014  2013  2012  2011  2010  2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 547,637
Total Mortgage Loan Application Amount $110,888,323,000
Average Mortgage Loan Application Amount $202,000
Highest Mortgage Loan Application Amount $99,999,000
Average Applicant Income $79,000
Highest Applicant Income $9,999,000
Download the Georgia Lender List

Mortgage Loan Application Detail Totals for Georgia in 2016

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
Home Purchase 261,321 $57,410,974,000 $219,000 $99,999,000 $80,000 $9,999,000
Refinancing 254,388 $50,858,002,000 $199,000 $99,999,000 $77,000 $9,999,000
Home Improvement 31,928 $2,619,347,000 $82,000 $71,750,000 $84,000 $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 271,110 $53,656,304,000 $197,000 $99,999,000 $95,000 $9,999,000
Black or African American 98,993 $16,117,778,000 $162,000 $99,999,000 $60,000 $9,999,000
Not Provided 63,726 $12,717,640,000 $199,000 $10,324,000 $90,000 $9,999,000
Not applicable 63,445 $18,415,276,000 $290,000 $99,999,000 $22,000 $6,000,000
Hispanic 24,087 $3,932,860,000 $163,000 $2,000,000 $65,000 $4,725,000
Asian 22,739 $5,447,244,000 $239,000 $9,000,000 $109,000 $7,000,000
American Indian or Alaskan Native 2,551 $418,609,000 $164,000 $1,000,000 $69,000 $1,356,000
Native Hawaiin or Other Pacific Islander 986 $182,612,000 $185,000 $4,000,000 $79,000 $1,136,000

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) 328,953 $72,497,104,000 $220,000 $99,999,000 $103,000 $9,999,000
FHA-insured (Federal Housing Administration) 135,388 $21,900,613,000 $161,000 $48,000,000 $40,000 $2,622,000
VA-guaranteed (Veterans Administration) 73,339 $15,184,761,000 $207,000 $10,001,000 $50,000 $3,120,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 9,957 $1,305,845,000 $131,000 $841,000 $35,000 $470,000

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 264,802 $58,198,733,000 $219,000 $99,999,000 $91,000 $9,999,000
Application Denied By Financial Institution 100,057 $15,941,657,000 $159,000 $99,999,000 $72,000 $9,999,000
Loan Purchased By The Institution 81,751 $16,356,925,000 $200,000 $65,500,000 $43,000 $6,000,000
Application Withdrawn By Applicant 62,565 $13,190,507,000 $210,000 $99,999,000 $87,000 $9,999,000
File Closed For Incompleteness 26,226 $4,641,038,000 $176,000 $6,000,000 $69,000 $8,400,000
Application Approved But Not Accepted 12,197 $2,553,247,000 $209,000 $48,000,000 $89,000 $4,302,000
Preapproval Denied by Financial Institution 37 $5,496,000 $148,000 $417,000 $60,000 $324,000
Preapproval Approved but not Accepted 2 $720,000 $360,000 $468,000 $296,000 $416,000

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
Credit History 15,202 $1,502,644,000 $98,000 $10,001,000 $70,000 $9,999,000
Debt-To-Income Ratio 11,566 $1,910,632,000 $165,000 $4,500,000 $60,000 $1,507,000
Collateral 8,316 $1,578,593,000 $189,000 $3,866,000 $94,000 $4,459,000
Credit Application Incomplete 7,849 $1,426,895,000 $181,000 $2,635,000 $81,000 $2,279,000
Other 4,348 $843,340,000 $193,000 $46,000,000 $79,000 $7,000,000
Unverifiable Information 1,945 $296,986,000 $152,000 $2,325,000 $84,000 $9,999,000
Insufficient Cash (Downpayment, Closing Cost) 1,472 $266,090,000 $180,000 $1,766,000 $74,000 $1,142,000
Employment History 713 $128,022,000 $179,000 $1,825,000 $67,000 $1,080,000
Mortgage Insurance Denied 25 $4,451,000 $178,000 $402,000 $74,000 $223,000
Download the Georgia Lender List

Mortgage Loan Application Totals in 2016 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 5,261 $ 669,105,000 $ 127,000 $ 62,000
ATHENS-CLARKE COUNTY, GA 8,725 $ 1,728,305,000 $ 198,000 $ 86,000
ATLANTA-SANDY SPRINGS-ROSWELL, GA 359,119 $ 80,432,205,000 $ 223,000 $ 85,000
AUGUSTA-RICHMOND COUNTY, GA-SC 21,188 $ 3,495,261,000 $ 164,000 $ 61,000
BRUNSWICK, GA 5,781 $ 1,207,651,000 $ 208,000 $ 100,000
COLUMBUS, GA-AL 9,938 $ 1,664,389,000 $ 167,000 $ 60,000
DALTON, GA 5,027 $ 604,761,000 $ 120,000 $ 53,000
GAINESVILLE, GA 10,795 $ 2,172,883,000 $ 201,000 $ 76,000
HINESVILLE, GA 4,483 $ 643,492,000 $ 143,000 $ 45,000
MACON, GA 7,595 $ 1,084,646,000 $ 142,000 $ 69,000
ROME, GA 3,437 $ 469,682,000 $ 136,000 $ 67,000
SAVANNAH, GA 21,073 $ 4,238,827,000 $ 201,000 $ 75,000
VALDOSTA, GA 5,611 $ 790,779,000 $ 140,000 $ 61,000
WARNER ROBINS, GA 9,789 $ 1,541,938,000 $ 157,000 $ 57,000
Download the Georgia Lender List

Mortgage Loan Application Totals in 2016 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 448 $ 41,169,000 $ 91,000 $ 55,000
Atkinson 157 $ 10,255,000 $ 65,000 $ 52,000
Bacon 149 $ 14,989,000 $ 100,000 $ 59,000
Baker 79 $ 7,359,000 $ 93,000 $ 49,000
Baldwin 1,196 $ 184,246,000 $ 154,000 $ 72,000
Banks 626 $ 85,450,000 $ 136,000 $ 62,000
Barrow 5,621 $ 818,359,000 $ 145,000 $ 52,000
Bartow 5,684 $ 871,000,000 $ 153,000 $ 63,000
Ben Hill 393 $ 36,654,000 $ 93,000 $ 49,000
Berrien 599 $ 63,663,000 $ 106,000 $ 51,000
Bibb 4,674 $ 668,873,000 $ 143,000 $ 69,000
Bleckley 336 $ 35,917,000 $ 106,000 $ 54,000
Brantley 549 $ 44,569,000 $ 81,000 $ 52,000
Brooks 542 $ 56,145,000 $ 103,000 $ 73,000
Bryan 3,144 $ 700,214,000 $ 222,000 $ 70,000
Bulloch 2,355 $ 386,060,000 $ 163,000 $ 65,000
Burke 683 $ 75,746,000 $ 110,000 $ 56,000
Butts 1,157 $ 157,042,000 $ 135,000 $ 59,000
Calhoun 117 $ 7,805,000 $ 66,000 $ 48,000
Camden 2,888 $ 455,995,000 $ 157,000 $ 64,000
Candler 221 $ 27,478,000 $ 124,000 $ 58,000
Carroll 5,216 $ 709,351,000 $ 135,000 $ 57,000
Catoosa 3,499 $ 478,817,000 $ 136,000 $ 55,000
Charlton 297 $ 28,174,000 $ 94,000 $ 52,000
Chatham 14,292 $ 2,940,109,000 $ 205,000 $ 80,000
Chattahoochee 77 $ 8,729,000 $ 113,000 $ 41,000
Chattooga 658 $ 65,974,000 $ 100,000 $ 53,000
Cherokee 20,661 $ 4,424,543,000 $ 214,000 $ 81,000
Clarke 4,325 $ 866,784,000 $ 200,000 $ 84,000
Clay 76 $ 7,012,000 $ 92,000 $ 56,000
Clayton 10,875 $ 1,422,846,000 $ 130,000 $ 41,000
Clinch 191 $ 18,047,000 $ 94,000 $ 61,000
Cobb 48,114 $ 11,636,815,000 $ 241,000 $ 92,000
Coffee 1,007 $ 101,466,000 $ 100,000 $ 54,000
Colquitt 1,142 $ 122,078,000 $ 106,000 $ 64,000
Columbia 11,301 $ 2,203,944,000 $ 195,000 $ 69,000
Cook 540 $ 52,458,000 $ 97,000 $ 51,000
Coweta 9,693 $ 1,845,316,000 $ 190,000 $ 76,000
Crawford 410 $ 46,074,000 $ 112,000 $ 52,000
Crisp 498 $ 60,124,000 $ 120,000 $ 73,000
Dade 778 $ 87,179,000 $ 112,000 $ 60,000
Dawson 1,873 $ 385,278,000 $ 205,000 $ 85,000
Decatur 823 $ 95,386,000 $ 115,000 $ 58,000
DeKalb 39,144 $ 9,492,732,000 $ 242,000 $ 93,000
Dodge 586 $ 50,365,000 $ 85,000 $ 59,000
Dooly 199 $ 15,926,000 $ 80,000 $ 64,000
Dougherty 2,491 $ 320,644,000 $ 128,000 $ 62,000
Douglas 8,366 $ 1,528,288,000 $ 182,000 $ 54,000
Early 286 $ 28,127,000 $ 98,000 $ 71,000
Echols 70 $ 6,176,000 $ 88,000 $ 53,000
Effingham 3,730 $ 613,553,000 $ 164,000 $ 58,000
Elbert 534 $ 58,786,000 $ 110,000 $ 49,000
Emanuel 387 $ 36,791,000 $ 95,000 $ 54,000
Evans 274 $ 28,642,000 $ 104,000 $ 59,000
Fannin 1,830 $ 354,887,000 $ 193,000 $ 109,000
Fayette 8,095 $ 1,932,543,000 $ 238,000 $ 97,000
Floyd 3,444 $ 470,198,000 $ 136,000 $ 67,000
Forsyth 22,189 $ 5,923,891,000 $ 266,000 $ 106,000
Franklin 766 $ 109,197,000 $ 142,000 $ 68,000
Fulton 59,996 $ 18,397,406,000 $ 306,000 $ 125,000
Gilmer 1,951 $ 306,701,000 $ 157,000 $ 79,000
Glascock 77 $ 7,595,000 $ 98,000 $ 60,000
Glynn 4,672 $ 1,088,687,000 $ 233,000 $ 109,000
Gordon 2,287 $ 288,716,000 $ 126,000 $ 58,000
Grady 626 $ 73,236,000 $ 116,000 $ 59,000
Greene 1,038 $ 332,786,000 $ 320,000 $ 161,000
Gwinnett 56,709 $ 11,859,607,000 $ 209,000 $ 73,000
Habersham 1,884 $ 276,066,000 $ 146,000 $ 58,000
Hall 10,833 $ 2,176,407,000 $ 200,000 $ 75,000
Hancock 232 $ 35,487,000 $ 152,000 $ 92,000
Haralson 1,156 $ 152,187,000 $ 131,000 $ 63,000
Harris 2,300 $ 443,049,000 $ 192,000 $ 70,000
Hart 1,021 $ 165,214,000 $ 161,000 $ 74,000
Heard 446 $ 51,823,000 $ 116,000 $ 48,000
Henry 16,126 $ 2,845,619,000 $ 176,000 $ 59,000
Houston 8,399 $ 1,317,597,000 $ 156,000 $ 57,000
Irwin 218 $ 20,309,000 $ 93,000 $ 57,000
Jackson 5,038 $ 885,517,000 $ 175,000 $ 64,000
Jasper 695 $ 91,943,000 $ 132,000 $ 64,000
Jeff Davis 298 $ 26,272,000 $ 88,000 $ 56,000
Jefferson 352 $ 33,038,000 $ 93,000 $ 55,000
Jenkins 171 $ 14,807,000 $ 86,000 $ 49,000
Johnson 170 $ 15,854,000 $ 93,000 $ 49,000
Jones 1,109 $ 140,958,000 $ 127,000 $ 60,000
Lamar 700 $ 86,847,000 $ 124,000 $ 55,000
Lanier 461 $ 51,154,000 $ 110,000 $ 43,000
Laurens 1,632 $ 191,495,000 $ 117,000 $ 55,000
Lee 1,743 $ 252,987,000 $ 145,000 $ 65,000
Liberty 3,411 $ 479,001,000 $ 140,000 $ 45,000
Lincoln 413 $ 57,548,000 $ 139,000 $ 80,000
Long 1,120 $ 168,946,000 $ 150,000 $ 42,000
Lowndes 4,562 $ 679,481,000 $ 148,000 $ 61,000
Lumpkin 1,565 $ 252,051,000 $ 161,000 $ 66,000
Macon 211 $ 16,998,000 $ 80,000 $ 69,000
Madison 1,185 $ 158,844,000 $ 134,000 $ 59,000
Marion 192 $ 21,180,000 $ 110,000 $ 51,000
McDuffie 763 $ 81,992,000 $ 107,000 $ 47,000
McIntosh 575 $ 75,746,000 $ 131,000 $ 67,000
Meriwether 728 $ 86,280,000 $ 118,000 $ 52,000
Miller 223 $ 32,290,000 $ 144,000 $ 78,000
Mitchell 416 $ 53,760,000 $ 129,000 $ 51,000
Monroe 1,209 $ 211,354,000 $ 174,000 $ 89,000
Montgomery 212 $ 22,636,000 $ 106,000 $ 43,000
Morgan 1,016 $ 182,907,000 $ 180,000 $ 74,000
Murray 1,329 $ 147,571,000 $ 111,000 $ 52,000
Muscogee 7,379 $ 1,192,707,000 $ 161,000 $ 57,000
Newton 6,190 $ 902,509,000 $ 145,000 $ 52,000
Oconee 2,568 $ 617,265,000 $ 240,000 $ 105,000
Oglethorpe 657 $ 86,483,000 $ 131,000 $ 70,000
Paulding 12,770 $ 2,048,536,000 $ 160,000 $ 57,000
Peach 1,090 $ 191,883,000 $ 176,000 $ 59,000
Pickens 2,018 $ 341,216,000 $ 169,000 $ 74,000
Pierce 721 $ 78,160,000 $ 108,000 $ 57,000
Pike 864 $ 136,387,000 $ 157,000 $ 65,000
Polk 1,511 $ 171,193,000 $ 113,000 $ 48,000
Pulaski 307 $ 33,185,000 $ 108,000 $ 56,000
Putnam 1,116 $ 223,390,000 $ 200,000 $ 118,000
Quitman 61 $ 3,928,000 $ 64,000 $ 49,000
Rabun 864 $ 220,333,000 $ 255,000 $ 143,000
Randolph 148 $ 9,434,000 $ 63,000 $ 42,000
Richmond 8,043 $ 1,077,785,000 $ 134,000 $ 50,000
Rockdale 4,983 $ 810,961,000 $ 162,000 $ 56,000
Schley 125 $ 12,357,000 $ 98,000 $ 57,000
Screven 348 $ 39,217,000 $ 112,000 $ 55,000
Seminole 284 $ 26,304,000 $ 92,000 $ 69,000
Spalding 2,449 $ 328,172,000 $ 134,000 $ 59,000
Stephens 803 $ 101,447,000 $ 126,000 $ 60,000
Stewart 95 $ 7,839,000 $ 82,000 $ 44,000
Sumter 657 $ 68,727,000 $ 104,000 $ 58,000
Talbot 209 $ 21,811,000 $ 104,000 $ 52,000
Taliaferro 54 $ 5,306,000 $ 98,000 $ 57,000
Tattnall 655 $ 65,849,000 $ 100,000 $ 54,000
Taylor 173 $ 16,639,000 $ 96,000 $ 59,000
Telfair 155 $ 14,885,000 $ 96,000 $ 43,000
Terrell 297 $ 23,405,000 $ 78,000 $ 58,000
Thomas 1,696 $ 240,659,000 $ 141,000 $ 69,000
Tift 1,336 $ 173,100,000 $ 129,000 $ 64,000
Toombs 680 $ 81,536,000 $ 119,000 $ 62,000
Towns 778 $ 139,653,000 $ 179,000 $ 82,000
Treutlen 140 $ 13,394,000 $ 95,000 $ 55,000
Troup 2,527 $ 353,314,000 $ 139,000 $ 61,000
Turner 200 $ 16,343,000 $ 81,000 $ 61,000
Twiggs 197 $ 18,040,000 $ 91,000 $ 50,000
Union 1,562 $ 251,544,000 $ 161,000 $ 73,000
Upson 666 $ 65,940,000 $ 99,000 $ 51,000
Walker 2,752 $ 313,224,000 $ 113,000 $ 54,000
Walton 5,827 $ 999,239,000 $ 171,000 $ 67,000
Ware 942 $ 86,268,000 $ 91,000 $ 53,000
Warren 148 $ 13,638,000 $ 92,000 $ 61,000
Washington 365 $ 38,982,000 $ 106,000 $ 53,000
Wayne 1,065 $ 113,896,000 $ 106,000 $ 59,000
Webster 47 $ 5,862,000 $ 124,000 $ 79,000
Wheeler 102 $ 9,324,000 $ 91,000 $ 48,000
White 1,440 $ 214,551,000 $ 148,000 $ 59,000
Whitfield 3,704 $ 458,087,000 $ 123,000 $ 54,000
Wilcox 159 $ 10,694,000 $ 67,000 $ 47,000
Wilkes 373 $ 39,906,000 $ 106,000 $ 58,000
Wilkinson 188 $ 18,241,000 $ 97,000 $ 49,000
Worth 677 $ 66,539,000 $ 98,000 $ 56,000
Download the Georgia Lender List