Georgia
HMDA Loan Application Totals
and Mortgage Lending Details
for 2023

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 443,866
Total Mortgage Loan Application Amount $120,094,390,000
Average Mortgage Loan Application Amount $270,000
Highest Mortgage Loan Application Amount $99,005,000
Average Applicant Income $128,000
Highest Applicant Income $9,999,000

Explore comprehensive HMDA mortgage statistics and application trends for 2023 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 2023 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 2023

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 244,793 $81,804,335,000 $334,000 $99,005,000 $135,000 $9,999,000
Cash-out Refinancing 79,225 $19,541,720,000 $246,000 $94,505,000 $101,000 $9,095,000
Other Purpose 45,417 $5,112,695,000 $112,000 $70,005,000 $132,000 $9,733,000
Home Improvement 43,156 $4,323,320,000 $100,000 $42,755,000 $135,000 $9,600,000
Refinancing 28,769 $9,078,820,000 $315,000 $79,495,000 $138,000 $9,668,000
Not Applicable 2,506 $233,500,000 $93,000 $20,235,000 $64,000 $875,000

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 170,253 $41,199,395,000 $241,000 $14,005,000 $138,000 $9,733,000
Black or African American 97,770 $22,371,895,000 $228,000 $80,005,000 $104,000 $9,600,000
Not Provided 67,377 $17,623,645,000 $261,000 $12,805,000 $131,000 $9,974,000
Not applicable 55,101 $23,234,530,000 $422,000 $99,005,000 $128,000 $2,336,000
Hispanic 26,379 $6,447,885,000 $244,000 $5,705,000 $109,000 $5,721,000
Asian 19,974 $7,143,520,000 $357,000 $4,585,000 $169,000 $9,999,000
American Indian or Alaskan Native 2,398 $485,980,000 $202,000 $2,085,000 $111,000 $6,616,000
Native Hawaiian or Other Pacific Islander 350 $87,920,000 $251,000 $3,255,000 $112,000 $751,000

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) 300,764 $79,199,500,000 $263,000 $99,005,000 $144,000 $9,999,000
FHA-insured (Federal Housing Administration) 93,207 $25,006,045,000 $268,000 $50,005,000 $86,000 $8,610,000
VA-guaranteed (Veterans Administration) 47,421 $15,380,975,000 $324,000 $2,745,000 $103,000 $6,718,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 2,474 $507,870,000 $205,000 $795,000 $76,000 $4,065,000

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 208,192 $60,860,310,000 $292,000 $82,965,000 $138,000 $9,263,000
Application Denied By Financial Institution 84,602 $15,432,810,000 $182,000 $83,605,000 $103,000 $9,733,000
Application Withdrawn By Applicant 64,879 $19,396,285,000 $298,000 $79,305,000 $131,000 $9,999,000
Loan Purchased By The Institution 50,599 $16,063,930,000 $317,000 $94,505,000 $135,000 $6,118,000
File Closed For Incompleteness 24,839 $5,367,960,000 $216,000 $80,005,000 $117,000 $9,733,000
Application Approved But Not Accepted 10,233 $2,615,985,000 $255,000 $42,935,000 $133,000 $7,018,000
Preapproval Approved but not Accepted 312 $102,760,000 $329,000 $1,555,000 $119,000 $1,022,000
Preapproval Denied by Financial Institution 210 $254,350,000 $1,211,000 $99,005,000 $94,000 $495,000

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 351,765 $102,555,885,000 $291,000 $94,505,000 $135,000 $9,999,000
Debt-To-Income Ratio 35,430 $7,272,060,000 $205,000 $45,205,000 $88,000 $8,888,000
Credit History 26,486 $3,735,690,000 $141,000 $4,005,000 $105,000 $8,129,000
Credit Application Incomplete 8,955 $1,771,385,000 $197,000 $3,505,000 $123,000 $8,827,000
Collateral 8,787 $1,720,995,000 $195,000 $10,415,000 $137,000 $9,733,000
Other 6,465 $1,509,725,000 $233,000 $99,005,000 $130,000 $6,360,000
Unverifiable Information 3,352 $811,010,000 $241,000 $17,275,000 $122,000 $7,375,000
Insufficient Cash (Downpayment, Closing Cost) 1,567 $450,765,000 $287,000 $5,505,000 $122,000 $5,721,000
Employment History 1,046 $263,690,000 $252,000 $11,005,000 $87,000 $1,478,000
Mortgage Insurance Denied 13 $3,185,000 $245,000 $435,000 $67,000 $113,000
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Mortgage Loan Application Totals in 2023 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 4,272 $ 686,250,000 $ 160,000 $ 94,000
ATHENS-CLARKE COUNTY, GA 6,438 $ 1,628,970,000 $ 253,000 $ 137,000
ATLANTA-SANDY SPRINGS-ROSWELL, GA 275,179 $ 82,384,410,000 $ 299,000 $ 138,000
AUGUSTA-RICHMOND COUNTY, GA-SC 16,344 $ 3,602,500,000 $ 220,000 $ 110,000
BRUNSWICK, GA 4,533 $ 1,272,875,000 $ 280,000 $ 148,000
COLUMBUS, GA-AL 8,108 $ 1,695,880,000 $ 209,000 $ 107,000
DALTON, GA 4,395 $ 902,985,000 $ 205,000 $ 87,000
GAINESVILLE, GA 8,446 $ 2,325,250,000 $ 275,000 $ 139,000
HINESVILLE, GA 5,279 $ 1,137,015,000 $ 215,000 $ 91,000
MACON-BIBB COUNTY, GA 7,705 $ 1,462,835,000 $ 189,000 $ 102,000
ROME, GA 3,561 $ 653,325,000 $ 183,000 $ 94,000
SAVANNAH, GA 18,699 $ 5,481,135,000 $ 293,000 $ 133,000
VALDOSTA, GA 5,099 $ 949,035,000 $ 186,000 $ 98,000
WARNER ROBINS, GA 8,902 $ 1,907,405,000 $ 214,000 $ 100,000
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Mortgage Loan Application Totals in 2023 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 476 $ 69,750,000 $ 146,000 $ 77,000
Atkinson 110 $ 14,020,000 $ 127,000 $ 66,000
Bacon 194 $ 28,370,000 $ 146,000 $ 72,000
Baker 72 $ 10,450,000 $ 145,000 $ 69,000
Baldwin 1,082 $ 211,130,000 $ 195,000 $ 118,000
Banks 870 $ 186,830,000 $ 214,000 $ 102,000
Barrow 5,287 $ 1,333,655,000 $ 252,000 $ 103,000
Bartow 5,423 $ 1,394,965,000 $ 257,000 $ 109,000
Ben Hill 348 $ 76,850,000 $ 220,000 $ 75,000
Berrien 603 $ 85,295,000 $ 141,000 $ 80,000
Bibb 4,692 $ 873,410,000 $ 186,000 $ 97,000
Bleckley 289 $ 41,555,000 $ 143,000 $ 79,000
Brantley 663 $ 95,465,000 $ 143,000 $ 77,000
Brooks 429 $ 64,225,000 $ 149,000 $ 87,000
Bryan 2,799 $ 801,165,000 $ 286,000 $ 141,000
Bulloch 2,261 $ 464,965,000 $ 205,000 $ 106,000
Burke 661 $ 109,795,000 $ 166,000 $ 89,000
Butts 1,089 $ 226,495,000 $ 207,000 $ 97,000
Calhoun 129 $ 13,895,000 $ 107,000 $ 71,000
Camden 2,897 $ 693,525,000 $ 239,000 $ 105,000
Candler 194 $ 29,840,000 $ 153,000 $ 76,000
Carroll 5,350 $ 1,176,690,000 $ 219,000 $ 98,000
Catoosa 2,994 $ 592,360,000 $ 197,000 $ 95,000
Charlton 345 $ 50,835,000 $ 147,000 $ 75,000
Chatham 12,091 $ 3,769,645,000 $ 311,000 $ 140,000
Chattahoochee 46 $ 6,330,000 $ 137,000 $ 67,000
Chattooga 825 $ 122,555,000 $ 148,000 $ 84,000
Cherokee 14,623 $ 4,525,710,000 $ 309,000 $ 150,000
Clarke 2,985 $ 766,605,000 $ 256,000 $ 139,000
Clay 91 $ 13,695,000 $ 150,000 $ 155,000
Clayton 11,512 $ 2,535,575,000 $ 220,000 $ 81,000
Clinch 141 $ 15,175,000 $ 107,000 $ 72,000
Cobb 31,325 $ 9,821,920,000 $ 313,000 $ 152,000
Coffee 720 $ 111,800,000 $ 155,000 $ 80,000
Colquitt 978 $ 155,450,000 $ 158,000 $ 98,000
Columbia 7,636 $ 1,964,670,000 $ 257,000 $ 130,000
Cook 483 $ 65,535,000 $ 135,000 $ 81,000
Coweta 6,904 $ 1,829,890,000 $ 265,000 $ 128,000
Crawford 387 $ 57,325,000 $ 148,000 $ 79,000
Crisp 423 $ 71,125,000 $ 168,000 $ 90,000
Dade 577 $ 108,615,000 $ 188,000 $ 99,000
Dawson 2,137 $ 664,935,000 $ 311,000 $ 144,000
Decatur 747 $ 122,555,000 $ 164,000 $ 83,000
DeKalb 28,987 $ 8,609,705,000 $ 297,000 $ 135,000
Dodge 439 $ 62,565,000 $ 142,000 $ 82,000
Dooly 201 $ 27,135,000 $ 135,000 $ 83,000
Dougherty 2,069 $ 325,675,000 $ 157,000 $ 87,000
Douglas 7,173 $ 1,772,565,000 $ 247,000 $ 102,000
Early 323 $ 40,845,000 $ 126,000 $ 91,000
Echols 51 $ 6,165,000 $ 120,000 $ 80,000
Effingham 3,809 $ 910,325,000 $ 238,000 $ 108,000
Elbert 560 $ 80,910,000 $ 144,000 $ 79,000
Emanuel 423 $ 56,995,000 $ 134,000 $ 76,000
Evans 199 $ 28,425,000 $ 142,000 $ 88,000
Fannin 1,584 $ 541,910,000 $ 342,000 $ 223,000
Fayette 5,907 $ 1,803,830,000 $ 305,000 $ 157,000
Floyd 3,561 $ 653,325,000 $ 183,000 $ 94,000
Forsyth 13,036 $ 4,939,260,000 $ 378,000 $ 183,000
Franklin 905 $ 181,875,000 $ 200,000 $ 94,000
Fulton 44,580 $ 16,618,800,000 $ 372,000 $ 188,000
Gilmer 1,870 $ 521,010,000 $ 278,000 $ 163,000
Glascock 74 $ 11,220,000 $ 151,000 $ 83,000
Glynn 3,274 $ 1,051,710,000 $ 321,000 $ 169,000
Gordon 2,532 $ 503,790,000 $ 198,000 $ 96,000
Grady 627 $ 104,035,000 $ 165,000 $ 82,000
Greene 989 $ 557,075,000 $ 563,000 $ 291,000
Gwinnett 38,395 $ 11,581,905,000 $ 301,000 $ 131,000
Habersham 1,793 $ 385,925,000 $ 215,000 $ 100,000
Hall 8,446 $ 2,325,250,000 $ 275,000 $ 139,000
Hancock 180 $ 38,020,000 $ 211,000 $ 114,000
Haralson 1,302 $ 263,800,000 $ 202,000 $ 92,000
Harris 1,557 $ 393,225,000 $ 252,000 $ 130,000
Hart 1,066 $ 245,240,000 $ 230,000 $ 116,000
Heard 473 $ 85,815,000 $ 181,000 $ 92,000
Henry 14,854 $ 4,026,070,000 $ 271,000 $ 109,000
Houston 7,728 $ 1,673,705,000 $ 216,000 $ 101,000
Irwin 173 $ 25,225,000 $ 145,000 $ 80,000
Jackson 5,886 $ 1,696,660,000 $ 288,000 $ 125,000
Jasper 938 $ 258,650,000 $ 275,000 $ 106,000
Jeff Davis 326 $ 47,320,000 $ 145,000 $ 89,000
Jefferson 365 $ 51,625,000 $ 141,000 $ 91,000
Jenkins 193 $ 29,435,000 $ 152,000 $ 85,000
Johnson 146 $ 16,990,000 $ 116,000 $ 68,000
Jones 1,111 $ 187,705,000 $ 168,000 $ 93,000
Lamar 939 $ 188,895,000 $ 201,000 $ 91,000
Lanier 438 $ 68,330,000 $ 156,000 $ 77,000
Laurens 1,296 $ 205,300,000 $ 158,000 $ 89,000
Lee 1,294 $ 242,570,000 $ 187,000 $ 113,000
Liberty 3,769 $ 796,815,000 $ 211,000 $ 89,000
Lincoln 308 $ 61,640,000 $ 200,000 $ 110,000
Long 1,510 $ 340,200,000 $ 225,000 $ 95,000
Lowndes 4,181 $ 810,315,000 $ 193,000 $ 101,000
Lumpkin 1,363 $ 318,335,000 $ 233,000 $ 124,000
Macon 182 $ 19,780,000 $ 108,000 $ 77,000
Madison 1,295 $ 256,945,000 $ 198,000 $ 93,000
Marion 236 $ 35,850,000 $ 151,000 $ 80,000
McDuffie 670 $ 118,630,000 $ 177,000 $ 91,000
McIntosh 596 $ 125,700,000 $ 210,000 $ 121,000
Meriwether 1,013 $ 202,655,000 $ 200,000 $ 103,000
Miller 171 $ 20,345,000 $ 118,000 $ 88,000
Mitchell 527 $ 86,045,000 $ 163,000 $ 71,000
Monroe 1,291 $ 311,945,000 $ 241,000 $ 134,000
Montgomery 188 $ 29,850,000 $ 158,000 $ 84,000
Morgan 862 $ 251,050,000 $ 291,000 $ 142,000
Murray 1,305 $ 205,295,000 $ 157,000 $ 80,000
Muscogee 6,005 $ 1,223,485,000 $ 203,000 $ 104,000
Newton 5,913 $ 1,461,575,000 $ 247,000 $ 95,000
Oconee 1,545 $ 484,845,000 $ 313,000 $ 185,000
Oglethorpe 613 $ 120,575,000 $ 196,000 $ 93,000
Paulding 10,623 $ 2,731,390,000 $ 257,000 $ 110,000
Peach 1,174 $ 233,700,000 $ 199,000 $ 96,000
Pickens 2,086 $ 526,000,000 $ 252,000 $ 129,000
Pierce 653 $ 104,145,000 $ 159,000 $ 85,000
Pike 827 $ 186,475,000 $ 225,000 $ 114,000
Polk 1,553 $ 279,035,000 $ 179,000 $ 86,000
Pulaski 277 $ 46,105,000 $ 166,000 $ 92,000
Putnam 1,080 $ 355,085,000 $ 329,000 $ 189,000
Quitman 83 $ 8,895,000 $ 107,000 $ 76,000
Rabun 683 $ 240,155,000 $ 351,000 $ 213,000
Randolph 149 $ 15,785,000 $ 105,000 $ 70,000
Richmond 7,069 $ 1,347,765,000 $ 190,000 $ 92,000
Rockdale 5,112 $ 1,209,710,000 $ 236,000 $ 103,000
Schley 182 $ 27,340,000 $ 150,000 $ 83,000
Screven 342 $ 46,620,000 $ 136,000 $ 68,000
Seminole 343 $ 45,515,000 $ 132,000 $ 81,000
Spalding 3,134 $ 686,530,000 $ 219,000 $ 92,000
Stephens 1,005 $ 188,115,000 $ 187,000 $ 95,000
Stewart 89 $ 9,905,000 $ 111,000 $ 73,000
Sumter 566 $ 76,110,000 $ 134,000 $ 84,000
Talbot 175 $ 27,085,000 $ 154,000 $ 86,000
Taliaferro 30 $ 3,850,000 $ 128,000 $ 58,000
Tattnall 583 $ 80,065,000 $ 137,000 $ 80,000
Taylor 212 $ 29,440,000 $ 138,000 $ 152,000
Telfair 195 $ 26,045,000 $ 133,000 $ 68,000
Terrell 360 $ 45,910,000 $ 130,000 $ 86,000
Thomas 1,427 $ 326,835,000 $ 229,000 $ 97,000
Tift 1,044 $ 195,930,000 $ 187,000 $ 95,000
Toombs 533 $ 88,445,000 $ 165,000 $ 116,000
Towns 546 $ 141,590,000 $ 259,000 $ 141,000
Treutlen 132 $ 15,150,000 $ 114,000 $ 77,000
Troup 2,492 $ 502,800,000 $ 201,000 $ 97,000
Turner 230 $ 28,410,000 $ 123,000 $ 74,000
Twiggs 224 $ 32,450,000 $ 144,000 $ 85,000
Union 1,283 $ 312,835,000 $ 243,000 $ 130,000
Upson 964 $ 155,320,000 $ 161,000 $ 88,000
Walker 3,269 $ 575,645,000 $ 176,000 $ 91,000
Walton 5,375 $ 1,469,895,000 $ 273,000 $ 118,000
Ware 1,005 $ 149,905,000 $ 149,000 $ 78,000
Warren 104 $ 14,860,000 $ 142,000 $ 67,000
Washington 336 $ 50,030,000 $ 148,000 $ 80,000
Wayne 1,197 $ 201,195,000 $ 168,000 $ 82,000
Webster 50 $ 5,850,000 $ 117,000 $ 76,000
Wheeler 67 $ 7,865,000 $ 117,000 $ 65,000
White 1,284 $ 300,565,000 $ 234,000 $ 107,000
Whitfield 3,090 $ 697,690,000 $ 225,000 $ 90,000
Wilcox 128 $ 13,340,000 $ 104,000 $ 123,000
Wilkes 261 $ 31,075,000 $ 119,000 $ 86,000
Wilkinson 188 $ 24,510,000 $ 130,000 $ 77,000
Worth 549 $ 72,095,000 $ 131,000 $ 79,000

Our comprehensive HMDA mortgage statistics offer invaluable insights into Georgia's 2023 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