Georgia
Mortgage Loan Application
Totals and Details
in 2020

Find mortgage statistics and mortgage data for Georgia.
Our lists allow you to explore the total number of mortgage applications and mortgage application details for 2003-2020 in all of Georgia.
You can organize this information by metropolitan area and by county.

Years 2020  2019  2018  2017  2016  2015  2014  2013  2012  2011  2010  2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 842,780
Total Mortgage Loan Application Amount $203,881,675,000
Average Mortgage Loan Application Amount $241,000
Highest Mortgage Loan Application Amount $99,005,000
Average Applicant Income $115,000
Highest Applicant Income $9,999,000

Mortgage stats and application averages for each year are shown below, as well as highest application amount and the income of the highest applicant.
If you are looking for a mortgage or loan application data statistics in Georgia, these numbers will give you an idea of what to expect as you begin to look for a lender.

These lists can also be organized by various details about Mortgage Loan Applications for each year, with categories such as loan purpose, race of mortgage applicant, loan type, the outcome of the application, and reason for denial.

Each category breaks down the total number of mortgage applications, the total dollar amount for those applications, the average mortgage amount, and the highest mortgage within that category. You can also look at information regarding the average income of the mortgage applicants and the highest income of the mortgage applicants. If you're looking for a certain type of mortgage, these numbers will give you a better gauge of what to expect in various situations.

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Mortgage Loan Application Detail Totals for Georgia in 2020

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 335,894 $84,996,985,000 $253,000 $77,325,000 $125,000 $9,999,000
Home Purchase 318,723 $82,761,150,000 $259,000 $99,005,000 $104,000 $9,999,000
Cash-out Refinancing 113,611 $27,339,580,000 $240,000 $91,005,000 $112,000 $9,999,000
Home Improvement 28,902 $2,945,040,000 $101,000 $90,005,000 $126,000 $8,600,000
Other Purpose 28,146 $3,526,040,000 $125,000 $61,205,000 $142,000 $9,154,000
Not Applicable 17,504 $2,312,880,000 $132,000 $2,265,000 $64,000 $244,000

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 400,513 $96,098,660,000 $239,000 $90,005,000 $124,000 $9,999,000
Black or African American 143,913 $29,738,020,000 $206,000 $91,005,000 $86,000 $9,999,000
Not Provided 127,720 $31,040,930,000 $243,000 $20,805,000 $120,000 $9,999,000
Not applicable 84,149 $25,693,970,000 $305,000 $99,005,000 $105,000 $2,078,000
Hispanic 38,636 $8,193,655,000 $212,000 $2,305,000 $87,000 $9,999,000
Asian 37,801 $10,549,165,000 $279,000 $3,755,000 $129,000 $8,730,000
American Indian or Alaskan Native 3,202 $669,675,000 $209,000 $2,405,000 $97,000 $2,160,000
Native Hawaiian or Other Pacific Islander 675 $146,595,000 $217,000 $1,025,000 $96,000 $1,320,000

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) 576,330 $145,351,665,000 $252,000 $99,005,000 $126,000 $9,642,000
FHA-insured (Federal Housing Administration) 140,663 $27,959,025,000 $198,000 $35,705,000 $69,000 $9,999,000
VA-guaranteed (Veterans Administration) 114,960 $28,734,260,000 $249,000 $2,105,000 $79,000 $2,250,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 10,827 $1,836,725,000 $169,000 $1,785,000 $55,000 $680,000

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 453,354 $117,268,845,000 $258,000 $99,005,000 $118,000 $9,999,000
Application Withdrawn By Applicant 115,721 $29,008,060,000 $250,000 $99,005,000 $120,000 $9,999,000
Application Denied By Financial Institution 106,411 $19,944,350,000 $187,000 $91,005,000 $97,000 $9,999,000
Loan Purchased By The Institution 97,857 $22,800,755,000 $233,000 $60,745,000 $110,000 $9,999,000
File Closed For Incompleteness 48,968 $10,473,580,000 $213,000 $20,005,000 $109,000 $9,600,000
Application Approved But Not Accepted 20,271 $4,340,675,000 $214,000 $37,295,000 $121,000 $5,561,000
Preapproval Approved but not Accepted 118 $28,970,000 $245,000 $1,595,000 $105,000 $650,000
Preapproval Denied by Financial Institution 80 $16,440,000 $205,000 $765,000 $63,000 $275,000

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
Not applicable 726,251 $181,865,485,000 $250,000 $99,005,000 $117,000 $9,999,000
Debt-To-Income Ratio 37,523 $7,407,295,000 $197,000 $90,005,000 $79,000 $9,999,000
Credit History 31,354 $4,425,110,000 $141,000 $21,295,000 $95,000 $9,999,000
Credit Application Incomplete 17,026 $3,812,940,000 $223,000 $4,005,000 $121,000 $9,999,000
Other 10,677 $2,384,850,000 $223,000 $91,005,000 $124,000 $8,400,000
Collateral 10,358 $2,077,390,000 $200,000 $25,535,000 $127,000 $8,965,000
Unverifiable Information 4,736 $951,120,000 $200,000 $7,205,000 $109,000 $9,999,000
Insufficient Cash (Downpayment, Closing Cost) 2,924 $542,710,000 $185,000 $2,005,000 $123,000 $9,999,000
Employment History 1,900 $408,390,000 $214,000 $1,265,000 $80,000 $2,675,000
Mortgage Insurance Denied 31 $6,385,000 $205,000 $515,000 $90,000 $195,000
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Mortgage Loan Application Totals in 2020 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 5,827 $ 893,445,000 $ 153,000 $ 93,000
ATHENS-CLARKE COUNTY, GA 14,663 $ 3,457,835,000 $ 235,000 $ 117,000
ATLANTA-SANDY SPRINGS-ROSWELL, GA 570,371 $ 149,215,410,000 $ 261,000 $ 121,000
AUGUSTA-RICHMOND COUNTY, GA-SC 29,235 $ 6,107,660,000 $ 208,000 $ 106,000
BRUNSWICK, GA 8,374 $ 2,213,920,000 $ 264,000 $ 136,000
COLUMBUS, GA-AL 14,452 $ 2,862,230,000 $ 198,000 $ 99,000
DALTON, GA 5,990 $ 907,380,000 $ 151,000 $ 76,000
GAINESVILLE, GA 17,913 $ 4,432,845,000 $ 247,000 $ 108,000
HINESVILLE, GA 6,231 $ 1,041,265,000 $ 167,000 $ 72,000
MACON-BIBB COUNTY, GA 10,475 $ 1,927,955,000 $ 184,000 $ 99,000
ROME, GA 4,665 $ 792,635,000 $ 169,000 $ 87,000
SAVANNAH, GA 32,765 $ 7,773,555,000 $ 237,000 $ 112,000
VALDOSTA, GA 7,760 $ 1,362,830,000 $ 175,000 $ 91,000
WARNER ROBINS, GA 13,916 $ 2,583,290,000 $ 185,000 $ 88,000
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Mortgage Loan Application Totals in 2020 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 652 $ 79,820,000 $ 122,000 $ 78,000
Atkinson 157 $ 15,935,000 $ 101,000 $ 61,000
Bacon 247 $ 29,975,000 $ 121,000 $ 79,000
Baker 68 $ 7,570,000 $ 111,000 $ 83,000
Baldwin 1,792 $ 340,120,000 $ 189,000 $ 114,000
Banks 1,206 $ 240,350,000 $ 199,000 $ 77,000
Barrow 8,744 $ 1,695,770,000 $ 193,000 $ 79,000
Bartow 8,584 $ 1,731,430,000 $ 201,000 $ 89,000
Ben Hill 406 $ 49,360,000 $ 121,000 $ 67,000
Berrien 823 $ 103,205,000 $ 125,000 $ 71,000
Bibb 6,269 $ 1,149,855,000 $ 183,000 $ 101,000
Bleckley 409 $ 53,785,000 $ 131,000 $ 79,000
Brantley 651 $ 72,425,000 $ 111,000 $ 64,000
Brooks 585 $ 81,145,000 $ 138,000 $ 78,000
Bryan 5,447 $ 1,361,905,000 $ 250,000 $ 105,000
Bulloch 3,730 $ 677,350,000 $ 181,000 $ 103,000
Burke 809 $ 145,075,000 $ 179,000 $ 81,000
Butts 1,722 $ 315,030,000 $ 182,000 $ 86,000
Calhoun 142 $ 11,010,000 $ 77,000 $ 59,000
Camden 4,805 $ 980,565,000 $ 204,000 $ 87,000
Candler 359 $ 46,285,000 $ 128,000 $ 77,000
Carroll 8,822 $ 1,583,270,000 $ 179,000 $ 85,000
Catoosa 5,016 $ 887,670,000 $ 176,000 $ 82,000
Charlton 369 $ 47,005,000 $ 127,000 $ 67,000
Chatham 21,276 $ 5,210,470,000 $ 244,000 $ 120,000
Chattahoochee 85 $ 10,275,000 $ 120,000 $ 67,000
Chattooga 879 $ 106,585,000 $ 121,000 $ 68,000
Cherokee 33,783 $ 8,653,355,000 $ 256,000 $ 115,000
Clarke 6,963 $ 1,609,615,000 $ 231,000 $ 113,000
Clay 118 $ 15,350,000 $ 130,000 $ 86,000
Clayton 16,014 $ 2,789,425,000 $ 174,000 $ 66,000
Clinch 233 $ 22,435,000 $ 96,000 $ 63,000
Cobb 76,642 $ 20,859,605,000 $ 272,000 $ 128,000
Coffee 1,163 $ 150,225,000 $ 129,000 $ 73,000
Colquitt 1,234 $ 180,570,000 $ 146,000 $ 83,000
Columbia 17,195 $ 3,998,240,000 $ 232,000 $ 110,000
Cook 673 $ 84,105,000 $ 124,000 $ 70,000
Coweta 15,631 $ 3,795,345,000 $ 242,000 $ 107,000
Crawford 477 $ 65,245,000 $ 136,000 $ 74,000
Crisp 720 $ 114,000,000 $ 158,000 $ 85,000
Dade 911 $ 145,935,000 $ 160,000 $ 85,000
Dawson 3,542 $ 903,280,000 $ 255,000 $ 120,000
Decatur 862 $ 120,420,000 $ 139,000 $ 76,000
DeKalb 60,792 $ 16,838,105,000 $ 276,000 $ 133,000
Dodge 504 $ 59,390,000 $ 117,000 $ 75,000
Dooly 240 $ 26,290,000 $ 109,000 $ 66,000
Dougherty 2,703 $ 398,275,000 $ 147,000 $ 96,000
Douglas 12,168 $ 2,449,310,000 $ 201,000 $ 85,000
Early 353 $ 36,395,000 $ 103,000 $ 68,000
Echols 75 $ 9,695,000 $ 129,000 $ 71,000
Effingham 6,042 $ 1,201,180,000 $ 198,000 $ 88,000
Elbert 677 $ 93,835,000 $ 138,000 $ 72,000
Emanuel 541 $ 69,875,000 $ 129,000 $ 69,000
Evans 332 $ 43,190,000 $ 130,000 $ 75,000
Fannin 3,212 $ 831,020,000 $ 258,000 $ 167,000
Fayette 13,243 $ 3,720,305,000 $ 280,000 $ 133,000
Floyd 4,665 $ 792,635,000 $ 169,000 $ 87,000
Forsyth 39,066 $ 11,855,530,000 $ 303,000 $ 137,000
Franklin 1,120 $ 187,940,000 $ 167,000 $ 92,000
Fulton 101,520 $ 34,118,955,000 $ 336,000 $ 168,000
Gilmer 3,173 $ 656,005,000 $ 206,000 $ 115,000
Glascock 112 $ 17,300,000 $ 154,000 $ 162,000
Glynn 6,879 $ 1,991,685,000 $ 289,000 $ 148,000
Gordon 3,350 $ 543,035,000 $ 162,000 $ 78,000
Grady 846 $ 119,250,000 $ 140,000 $ 78,000
Greene 2,069 $ 805,255,000 $ 389,000 $ 229,000
Gwinnett 82,949 $ 19,876,730,000 $ 239,000 $ 102,000
Habersham 2,915 $ 542,315,000 $ 186,000 $ 84,000
Hall 17,911 $ 4,432,435,000 $ 247,000 $ 108,000
Hancock 421 $ 76,655,000 $ 182,000 $ 129,000
Haralson 1,911 $ 323,715,000 $ 169,000 $ 82,000
Harris 3,597 $ 862,965,000 $ 239,000 $ 107,000
Hart 1,601 $ 351,245,000 $ 219,000 $ 127,000
Heard 609 $ 101,095,000 $ 166,000 $ 79,000
Henry 24,852 $ 5,438,810,000 $ 218,000 $ 89,000
Houston 12,399 $ 2,339,695,000 $ 188,000 $ 88,000
Irwin 226 $ 26,450,000 $ 117,000 $ 72,000
Jackson 9,041 $ 1,994,765,000 $ 220,000 $ 92,000
Jasper 1,070 $ 211,070,000 $ 197,000 $ 94,000
Jeff Davis 382 $ 43,540,000 $ 113,000 $ 69,000
Jefferson 445 $ 57,565,000 $ 129,000 $ 125,000
Jenkins 196 $ 23,720,000 $ 121,000 $ 63,000
Johnson 207 $ 22,535,000 $ 108,000 $ 70,000
Jones 1,508 $ 232,650,000 $ 154,000 $ 85,000
Lamar 1,079 $ 179,595,000 $ 166,000 $ 77,000
Lanier 550 $ 70,530,000 $ 128,000 $ 67,000
Laurens 1,864 $ 265,830,000 $ 142,000 $ 79,000
Lee 2,129 $ 371,565,000 $ 174,000 $ 98,000
Liberty 4,580 $ 745,270,000 $ 162,000 $ 72,000
Lincoln 407 $ 78,785,000 $ 193,000 $ 147,000
Long 1,651 $ 295,995,000 $ 179,000 $ 70,000
Lowndes 6,549 $ 1,201,455,000 $ 183,000 $ 95,000
Lumpkin 2,510 $ 514,850,000 $ 205,000 $ 96,000
Macon 223 $ 20,945,000 $ 93,000 $ 69,000
Madison 1,850 $ 313,670,000 $ 169,000 $ 78,000
Marion 312 $ 39,190,000 $ 125,000 $ 70,000
McDuffie 901 $ 148,315,000 $ 164,000 $ 91,000
McIntosh 844 $ 149,810,000 $ 177,000 $ 97,000
Meriwether 939 $ 149,795,000 $ 159,000 $ 77,000
Miller 223 $ 110,835,000 $ 497,000 $ 68,000
Mitchell 530 $ 62,630,000 $ 118,000 $ 65,000
Monroe 1,962 $ 451,970,000 $ 230,000 $ 117,000
Montgomery 241 $ 37,575,000 $ 155,000 $ 90,000
Morgan 1,608 $ 390,620,000 $ 242,000 $ 112,000
Murray 1,544 $ 213,340,000 $ 138,000 $ 66,000
Muscogee 10,062 $ 1,899,070,000 $ 188,000 $ 99,000
Newton 9,593 $ 1,856,905,000 $ 193,000 $ 80,000
Oconee 4,803 $ 1,356,895,000 $ 282,000 $ 145,000
Oglethorpe 1,047 $ 177,605,000 $ 169,000 $ 77,000
Paulding 19,181 $ 3,969,295,000 $ 206,000 $ 86,000
Peach 1,516 $ 243,430,000 $ 160,000 $ 86,000
Pickens 3,357 $ 737,485,000 $ 219,000 $ 101,000
Pierce 920 $ 132,000,000 $ 143,000 $ 84,000
Pike 1,512 $ 326,330,000 $ 215,000 $ 104,000
Polk 2,083 $ 309,505,000 $ 148,000 $ 70,000
Pulaski 350 $ 54,850,000 $ 156,000 $ 79,000
Putnam 2,090 $ 544,440,000 $ 260,000 $ 167,000
Quitman 106 $ 11,740,000 $ 110,000 $ 69,000
Rabun 1,390 $ 450,260,000 $ 323,000 $ 208,000
Randolph 153 $ 25,705,000 $ 168,000 $ 70,000
Richmond 9,923 $ 1,737,245,000 $ 175,000 $ 99,000
Rockdale 8,073 $ 1,599,665,000 $ 198,000 $ 84,000
Schley 222 $ 27,700,000 $ 124,000 $ 72,000
Screven 432 $ 52,980,000 $ 122,000 $ 74,000
Seminole 304 $ 37,720,000 $ 124,000 $ 72,000
Spalding 4,048 $ 683,740,000 $ 168,000 $ 75,000
Stephens 1,264 $ 202,470,000 $ 160,000 $ 87,000
Stewart 138 $ 13,130,000 $ 95,000 $ 58,000
Sumter 792 $ 109,060,000 $ 137,000 $ 88,000
Talbot 258 $ 37,600,000 $ 145,000 $ 72,000
Taliaferro 42 $ 6,280,000 $ 149,000 $ 128,000
Tattnall 859 $ 94,975,000 $ 110,000 $ 73,000
Taylor 211 $ 27,105,000 $ 128,000 $ 74,000
Telfair 191 $ 23,375,000 $ 122,000 $ 67,000
Terrell 242 $ 33,700,000 $ 139,000 $ 98,000
Thomas 2,267 $ 379,225,000 $ 167,000 $ 98,000
Tift 1,598 $ 287,230,000 $ 179,000 $ 91,000
Toombs 847 $ 121,285,000 $ 143,000 $ 81,000
Towns 1,317 $ 278,705,000 $ 211,000 $ 115,000
Treutlen 179 $ 22,275,000 $ 124,000 $ 68,000
Troup 3,700 $ 688,140,000 $ 185,000 $ 91,000
Turner 213 $ 25,065,000 $ 117,000 $ 65,000
Twiggs 259 $ 28,235,000 $ 109,000 $ 63,000
Union 2,525 $ 500,485,000 $ 198,000 $ 102,000
Upson 1,136 $ 164,570,000 $ 144,000 $ 77,000
Walker 4,078 $ 636,710,000 $ 156,000 $ 74,000
Walton 9,320 $ 2,062,390,000 $ 221,000 $ 91,000
Ware 1,130 $ 140,240,000 $ 124,000 $ 68,000
Warren 154 $ 20,400,000 $ 132,000 $ 101,000
Washington 435 $ 58,815,000 $ 135,000 $ 71,000
Wayne 1,398 $ 188,640,000 $ 134,000 $ 75,000
Webster 63 $ 7,915,000 $ 125,000 $ 73,000
Wheeler 92 $ 9,660,000 $ 105,000 $ 63,000
White 2,304 $ 427,640,000 $ 185,000 $ 90,000
Whitfield 4,446 $ 694,040,000 $ 156,000 $ 79,000
Wilcox 196 $ 21,250,000 $ 108,000 $ 64,000
Wilkes 323 $ 44,295,000 $ 137,000 $ 82,000
Wilkinson 252 $ 26,930,000 $ 106,000 $ 69,000
Worth 753 $ 89,905,000 $ 119,000 $ 71,000

We hope these mortgage application details and statistics will give you a better idea of what to expect when applying for a mortgage.
Whether you are looking for a home loan, for home financing or refinancing, or for home improvement loan statistics, we have the information you need.
These mortgage application stats give you everything you need to know as you start your search for the best mortgage lender in Georgia.

If you prefer, you can download a copy of the entire list of mortgage lenders in Georgia and search similar information back through 2003.

Download the Georgia Lender List