Georgia
HMDA Loan Application Totals
and Mortgage Lending Details
for 2021

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 890,184
Total Mortgage Loan Application Amount $228,300,805,000
Average Mortgage Loan Application Amount $256,000
Highest Mortgage Loan Application Amount $84,505,000
Average Applicant Income $114,000
Highest Applicant Income $9,999,000

Explore comprehensive HMDA mortgage statistics and application trends for 2021 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 2021 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.

Download the Georgia Lender List

Mortgage Loan Application Detail Totals for Georgia in 2021

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 340,737 $102,143,445,000 $299,000 $74,535,000 $113,000 $9,924,000
Refinancing 307,842 $75,817,780,000 $246,000 $84,505,000 $115,000 $9,900,000
Cash-out Refinancing 174,661 $42,213,520,000 $241,000 $51,735,000 $104,000 $9,999,000
Home Improvement 34,171 $3,668,435,000 $107,000 $50,945,000 $134,000 $9,219,000
Other Purpose 27,935 $3,818,595,000 $136,000 $34,005,000 $144,000 $9,839,000
Not Applicable 4,838 $639,030,000 $132,000 $5,815,000 $24,000 $270,000

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 392,128 $97,568,520,000 $248,000 $33,315,000 $122,000 $9,999,000
Black or African American 164,504 $35,969,925,000 $218,000 $21,085,000 $89,000 $9,536,000
Not Provided 147,630 $36,927,890,000 $250,000 $15,005,000 $117,000 $9,839,000
Not applicable 89,460 $32,241,500,000 $360,000 $84,505,000 $112,000 $3,253,000
Hispanic 42,565 $9,661,375,000 $226,000 $7,015,000 $91,000 $7,666,000
Asian 41,449 $12,517,405,000 $301,000 $34,005,000 $136,000 $8,336,000
American Indian or Alaskan Native 3,757 $800,795,000 $213,000 $4,505,000 $96,000 $5,064,000
Native Hawaiian or Other Pacific Islander 719 $161,035,000 $223,000 $875,000 $102,000 $1,080,000

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) 637,596 $168,537,365,000 $264,000 $84,505,000 $124,000 $9,999,000
FHA-insured (Federal Housing Administration) 132,622 $28,787,930,000 $217,000 $73,515,000 $65,000 $7,781,000
VA-guaranteed (Veterans Administration) 111,510 $29,372,290,000 $263,000 $9,995,000 $83,000 $7,906,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 8,456 $1,603,220,000 $189,000 $1,255,000 $58,000 $1,200,000

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 479,542 $129,869,065,000 $270,000 $84,505,000 $118,000 $9,900,000
Application Withdrawn By Applicant 118,479 $31,451,845,000 $265,000 $72,705,000 $120,000 $9,924,000
Application Denied By Financial Institution 113,605 $22,226,805,000 $195,000 $67,505,000 $92,000 $9,999,000
Loan Purchased By The Institution 95,796 $26,606,260,000 $277,000 $73,515,000 $118,000 $3,253,000
File Closed For Incompleteness 58,141 $12,567,625,000 $216,000 $5,205,000 $106,000 $9,572,000
Application Approved But Not Accepted 23,362 $5,236,100,000 $224,000 $42,585,000 $112,000 $6,572,000
Preapproval Approved but not Accepted 1,019 $285,705,000 $280,000 $1,505,000 $93,000 $957,000
Preapproval Denied by Financial Institution 240 $57,400,000 $239,000 $1,255,000 $64,000 $300,000

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 768,786 $204,324,865,000 $265,000 $84,505,000 $117,000 $9,900,000
Debt-To-Income Ratio 36,540 $7,632,290,000 $208,000 $34,005,000 $76,000 $9,924,000
Credit History 32,169 $4,946,805,000 $153,000 $9,995,000 $92,000 $9,999,000
Credit Application Incomplete 19,383 $4,318,345,000 $222,000 $33,315,000 $108,000 $8,752,000
Other 11,948 $2,590,900,000 $216,000 $67,505,000 $111,000 $7,545,000
Collateral 11,162 $2,380,650,000 $213,000 $31,965,000 $117,000 $6,360,000
Unverifiable Information 5,731 $1,179,975,000 $205,000 $3,085,000 $103,000 $6,636,000
Insufficient Cash (Downpayment, Closing Cost) 2,889 $571,225,000 $197,000 $3,005,000 $115,000 $3,800,000
Employment History 1,541 $347,875,000 $225,000 $3,355,000 $74,000 $1,284,000
Mortgage Insurance Denied 35 $7,875,000 $225,000 $935,000 $88,000 $300,000
Download the Georgia Lender List

Mortgage Loan Application Totals in 2021 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 6,904 $ 1,173,140,000 $ 169,000 $ 85,000
ATHENS-CLARKE COUNTY, GA 14,511 $ 3,530,805,000 $ 243,000 $ 116,000
ATLANTA-SANDY SPRINGS-ROSWELL, GA 585,902 $ 163,612,840,000 $ 279,000 $ 121,000
AUGUSTA-RICHMOND COUNTY, GA-SC 32,076 $ 7,000,450,000 $ 218,000 $ 99,000
BRUNSWICK, GA 9,084 $ 2,514,820,000 $ 276,000 $ 133,000
COLUMBUS, GA-AL 16,231 $ 3,295,535,000 $ 203,000 $ 92,000
DALTON, GA 7,376 $ 1,216,220,000 $ 164,000 $ 73,000
GAINESVILLE, GA 18,433 $ 4,829,585,000 $ 262,000 $ 109,000
HINESVILLE, GA 7,805 $ 1,451,415,000 $ 185,000 $ 77,000
MACON-BIBB COUNTY, GA 12,251 $ 2,359,155,000 $ 192,000 $ 92,000
ROME, GA 5,791 $ 1,071,525,000 $ 185,000 $ 93,000
SAVANNAH, GA 36,807 $ 9,200,565,000 $ 249,000 $ 111,000
VALDOSTA, GA 9,271 $ 1,719,145,000 $ 185,000 $ 86,000
WARNER ROBINS, GA 15,175 $ 3,019,785,000 $ 198,000 $ 88,000
Download the Georgia Lender List

Mortgage Loan Application Totals in 2021 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 643 $ 90,285,000 $ 140,000 $ 86,000
Atkinson 173 $ 20,505,000 $ 118,000 $ 69,000
Bacon 265 $ 37,315,000 $ 140,000 $ 81,000
Baker 89 $ 11,425,000 $ 128,000 $ 68,000
Baldwin 1,855 $ 365,975,000 $ 197,000 $ 99,000
Banks 1,329 $ 275,855,000 $ 207,000 $ 84,000
Barrow 9,229 $ 1,953,920,000 $ 211,000 $ 84,000
Bartow 9,400 $ 2,014,280,000 $ 214,000 $ 91,000
Ben Hill 505 $ 61,285,000 $ 121,000 $ 64,000
Berrien 830 $ 123,290,000 $ 148,000 $ 78,000
Bibb 7,611 $ 1,465,055,000 $ 192,000 $ 91,000
Bleckley 407 $ 62,675,000 $ 153,000 $ 83,000
Brantley 716 $ 91,370,000 $ 127,000 $ 73,000
Brooks 634 $ 99,180,000 $ 156,000 $ 76,000
Bryan 5,438 $ 1,478,740,000 $ 271,000 $ 108,000
Bulloch 4,236 $ 799,630,000 $ 188,000 $ 91,000
Burke 777 $ 132,305,000 $ 170,000 $ 79,000
Butts 2,036 $ 429,770,000 $ 211,000 $ 83,000
Calhoun 161 $ 16,935,000 $ 105,000 $ 55,000
Camden 5,486 $ 1,205,970,000 $ 219,000 $ 87,000
Candler 367 $ 54,895,000 $ 149,000 $ 92,000
Carroll 9,879 $ 1,999,475,000 $ 202,000 $ 87,000
Catoosa 5,719 $ 1,089,965,000 $ 190,000 $ 83,000
Charlton 482 $ 75,830,000 $ 157,000 $ 69,000
Chatham 24,390 $ 6,213,360,000 $ 254,000 $ 118,000
Chattahoochee 126 $ 17,130,000 $ 135,000 $ 64,000
Chattooga 1,041 $ 146,385,000 $ 140,000 $ 72,000
Cherokee 32,836 $ 9,065,070,000 $ 276,000 $ 118,000
Clarke 6,998 $ 1,637,600,000 $ 234,000 $ 114,000
Clay 132 $ 16,780,000 $ 127,000 $ 93,000
Clayton 17,516 $ 3,236,930,000 $ 184,000 $ 69,000
Clinch 270 $ 33,040,000 $ 122,000 $ 71,000
Cobb 74,109 $ 21,411,650,000 $ 288,000 $ 128,000
Coffee 1,461 $ 220,085,000 $ 150,000 $ 75,000
Colquitt 1,452 $ 227,660,000 $ 156,000 $ 83,000
Columbia 18,246 $ 4,462,480,000 $ 244,000 $ 109,000
Cook 748 $ 102,850,000 $ 137,000 $ 70,000
Coweta 15,814 $ 3,952,230,000 $ 249,000 $ 107,000
Crawford 546 $ 74,840,000 $ 137,000 $ 70,000
Crisp 798 $ 124,780,000 $ 156,000 $ 83,000
Dade 978 $ 178,740,000 $ 182,000 $ 88,000
Dawson 3,707 $ 1,088,135,000 $ 293,000 $ 120,000
Decatur 1,164 $ 181,710,000 $ 156,000 $ 76,000
DeKalb 62,214 $ 18,352,160,000 $ 294,000 $ 129,000
Dodge 541 $ 71,015,000 $ 131,000 $ 82,000
Dooly 276 $ 30,950,000 $ 112,000 $ 81,000
Dougherty 3,151 $ 541,325,000 $ 171,000 $ 82,000
Douglas 13,829 $ 3,092,575,000 $ 223,000 $ 87,000
Early 393 $ 50,665,000 $ 128,000 $ 71,000
Echols 109 $ 12,945,000 $ 118,000 $ 73,000
Effingham 6,979 $ 1,508,465,000 $ 216,000 $ 87,000
Elbert 858 $ 128,760,000 $ 150,000 $ 68,000
Emanuel 635 $ 85,725,000 $ 135,000 $ 77,000
Evans 357 $ 50,025,000 $ 140,000 $ 75,000
Fannin 3,429 $ 1,091,475,000 $ 318,000 $ 191,000
Fayette 13,302 $ 3,859,140,000 $ 290,000 $ 127,000
Floyd 5,791 $ 1,071,525,000 $ 185,000 $ 93,000
Forsyth 37,064 $ 12,100,190,000 $ 326,000 $ 141,000
Franklin 1,390 $ 260,510,000 $ 187,000 $ 86,000
Fulton 102,306 $ 36,721,730,000 $ 358,000 $ 170,000
Gilmer 3,548 $ 857,550,000 $ 241,000 $ 127,000
Glascock 125 $ 16,605,000 $ 132,000 $ 72,000
Glynn 7,413 $ 2,249,585,000 $ 303,000 $ 145,000
Gordon 4,004 $ 740,160,000 $ 184,000 $ 79,000
Grady 1,006 $ 163,360,000 $ 162,000 $ 80,000
Greene 1,985 $ 888,995,000 $ 447,000 $ 225,000
Gwinnett 86,635 $ 22,449,615,000 $ 259,000 $ 105,000
Habersham 3,217 $ 636,065,000 $ 197,000 $ 84,000
Hall 18,433 $ 4,829,585,000 $ 262,000 $ 109,000
Hancock 391 $ 80,825,000 $ 206,000 $ 119,000
Haralson 2,333 $ 438,125,000 $ 187,000 $ 80,000
Harris 3,841 $ 943,565,000 $ 245,000 $ 103,000
Hart 1,845 $ 408,655,000 $ 221,000 $ 108,000
Heard 611 $ 107,125,000 $ 175,000 $ 79,000
Henry 26,422 $ 6,418,640,000 $ 242,000 $ 90,000
Houston 13,499 $ 2,710,665,000 $ 200,000 $ 90,000
Irwin 299 $ 39,375,000 $ 131,000 $ 84,000
Jackson 9,590 $ 2,318,410,000 $ 241,000 $ 98,000
Jasper 1,229 $ 251,855,000 $ 204,000 $ 100,000
Jeff Davis 396 $ 50,410,000 $ 127,000 $ 75,000
Jefferson 535 $ 73,165,000 $ 136,000 $ 77,000
Jenkins 251 $ 35,775,000 $ 142,000 $ 79,000
Johnson 239 $ 29,725,000 $ 124,000 $ 77,000
Jones 1,754 $ 291,220,000 $ 166,000 $ 81,000
Lamar 1,493 $ 276,985,000 $ 185,000 $ 75,000
Lanier 704 $ 103,010,000 $ 146,000 $ 69,000
Laurens 2,022 $ 312,605,000 $ 154,000 $ 81,000
Lee 2,556 $ 472,390,000 $ 184,000 $ 95,000
Liberty 5,711 $ 1,027,955,000 $ 179,000 $ 78,000
Lincoln 478 $ 98,190,000 $ 205,000 $ 102,000
Long 2,094 $ 423,460,000 $ 202,000 $ 74,000
Lowndes 7,824 $ 1,504,010,000 $ 192,000 $ 88,000
Lumpkin 2,823 $ 631,225,000 $ 223,000 $ 98,000
Macon 266 $ 52,530,000 $ 197,000 $ 65,000
Madison 2,240 $ 418,200,000 $ 186,000 $ 81,000
Marion 332 $ 47,450,000 $ 142,000 $ 73,000
McDuffie 1,089 $ 193,165,000 $ 177,000 $ 80,000
McIntosh 955 $ 173,865,000 $ 182,000 $ 96,000
Meriwether 1,178 $ 204,980,000 $ 174,000 $ 77,000
Miller 265 $ 31,115,000 $ 117,000 $ 65,000
Mitchell 650 $ 82,490,000 $ 126,000 $ 63,000
Monroe 2,087 $ 495,205,000 $ 237,000 $ 110,000
Montgomery 312 $ 47,850,000 $ 153,000 $ 81,000
Morgan 1,663 $ 431,555,000 $ 259,000 $ 107,000
Murray 1,981 $ 302,545,000 $ 152,000 $ 68,000
Muscogee 11,515 $ 2,226,185,000 $ 193,000 $ 90,000
Newton 11,211 $ 2,358,975,000 $ 210,000 $ 80,000
Oconee 4,177 $ 1,279,115,000 $ 306,000 $ 145,000
Oglethorpe 1,096 $ 195,890,000 $ 178,000 $ 79,000
Paulding 19,990 $ 4,588,170,000 $ 229,000 $ 89,000
Peach 1,676 $ 309,120,000 $ 184,000 $ 79,000
Pickens 3,602 $ 855,560,000 $ 237,000 $ 106,000
Pierce 1,036 $ 162,380,000 $ 156,000 $ 78,000
Pike 1,682 $ 398,300,000 $ 236,000 $ 100,000
Polk 2,418 $ 401,230,000 $ 165,000 $ 71,000
Pulaski 446 $ 69,410,000 $ 155,000 $ 80,000
Putnam 2,185 $ 639,265,000 $ 292,000 $ 167,000
Quitman 121 $ 14,145,000 $ 116,000 $ 91,000
Rabun 1,568 $ 538,480,000 $ 343,000 $ 209,000
Randolph 188 $ 18,370,000 $ 97,000 $ 59,000
Richmond 11,486 $ 2,114,310,000 $ 184,000 $ 86,000
Rockdale 9,140 $ 2,146,380,000 $ 234,000 $ 87,000
Schley 280 $ 38,410,000 $ 137,000 $ 74,000
Screven 511 $ 74,005,000 $ 144,000 $ 77,000
Seminole 406 $ 50,980,000 $ 125,000 $ 73,000
Spalding 5,002 $ 927,860,000 $ 185,000 $ 78,000
Stephens 1,629 $ 298,825,000 $ 183,000 $ 93,000
Stewart 146 $ 15,550,000 $ 106,000 $ 63,000
Sumter 926 $ 123,720,000 $ 133,000 $ 74,000
Talbot 271 $ 45,655,000 $ 168,000 $ 76,000
Taliaferro 50 $ 7,500,000 $ 150,000 $ 105,000
Tattnall 877 $ 115,105,000 $ 131,000 $ 75,000
Taylor 269 $ 35,075,000 $ 130,000 $ 76,000
Telfair 246 $ 33,740,000 $ 137,000 $ 67,000
Terrell 306 $ 42,080,000 $ 137,000 $ 73,000
Thomas 2,564 $ 498,300,000 $ 194,000 $ 99,000
Tift 1,869 $ 330,715,000 $ 176,000 $ 97,000
Toombs 960 $ 149,990,000 $ 156,000 $ 80,000
Towns 1,355 $ 321,625,000 $ 237,000 $ 123,000
Treutlen 182 $ 24,940,000 $ 137,000 $ 72,000
Troup 4,041 $ 739,205,000 $ 182,000 $ 90,000
Turner 318 $ 38,330,000 $ 120,000 $ 73,000
Twiggs 253 $ 32,835,000 $ 129,000 $ 69,000
Union 2,673 $ 590,225,000 $ 220,000 $ 106,000
Upson 1,397 $ 215,135,000 $ 153,000 $ 85,000
Walker 4,701 $ 798,125,000 $ 169,000 $ 77,000
Walton 10,470 $ 2,481,460,000 $ 237,000 $ 92,000
Ware 1,328 $ 175,550,000 $ 132,000 $ 71,000
Warren 180 $ 26,730,000 $ 148,000 $ 86,000
Washington 592 $ 89,690,000 $ 151,000 $ 75,000
Wayne 1,488 $ 246,710,000 $ 165,000 $ 79,000
Webster 63 $ 7,005,000 $ 111,000 $ 61,000
Wheeler 109 $ 12,425,000 $ 113,000 $ 67,000
White 2,453 $ 512,655,000 $ 208,000 $ 99,000
Whitfield 5,395 $ 913,675,000 $ 169,000 $ 75,000
Wilcox 196 $ 20,850,000 $ 106,000 $ 67,000
Wilkes 424 $ 63,380,000 $ 149,000 $ 78,000
Wilkinson 279 $ 33,715,000 $ 120,000 $ 71,000
Worth 891 $ 117,345,000 $ 131,000 $ 69,000

Our comprehensive HMDA mortgage statistics offer invaluable insights into Georgia's 2021 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