Georgia Mortgage Lenders & HMDA Data, 2024

In 2024, lenders reported 474,935 mortgage applications in Georgia totaling $138.1 billion, up 7% from 2023. The average application was for $290,000, and applicants reported an average income of $133,000. 48% of applications resulted in an originated loan and 18% were denied. The most active lenders were United Wholesale Mortgage (20,214 applications), PennyMac Loan Services LLC and Freedom Mortgage Corporation.

See the top mortgage lenders in Georgia, browse lending by metro area and by county, or see the mortgage lenders headquartered in Georgia and Georgia lenders by city.

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Download the Georgia mortgage lender list: a formatted spreadsheet with 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 2025  2024  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 474,935
Total Mortgage Loan Application Amount $138,058,470,000
Average Mortgage Loan Application Amount $290,000
Highest Mortgage Loan Application Amount $99,505,000
Average Applicant Income $133,000
Highest Applicant Income $9,999,000

Top 25 Mortgage Lenders in Georgia (2024)

Ranked by the number of mortgage applications each lender received for properties in Georgia in 2024, wherever the lender is based. For lenders headquartered in the state, see the full list of Georgia mortgage companies. For the lenders that made the most loans here in 2025, with the top FHA, VA, purchase and refinance lenders, see top mortgage lenders in Georgia.

# Mortgage Lender Mortgage Applications Total Dollar Amount Average Loan Amount Average Applicant Income
1 United Wholesale Mortgage
Plymouth, MI
20,214 $6,815,260,000 $337,155 $132,606
2 PennyMac Loan Services LLC
Westlake Village, CA
19,160 $5,886,480,000 $307,227 $128,796
3 Freedom Mortgage Corporation
Boca Raton, FL
14,028 $4,821,330,000 $343,693 $107,723
4 Navy Federal Credit Union
Vienna, VA
13,328 $2,322,270,000 $174,239 $121,064
5 Truist Bank
Raleigh, NC
12,329 $2,982,445,000 $241,904 $168,884
6 Newrez LLC
Fort Washington, PA
11,004 $3,422,810,000 $311,051 $117,023
7 Bank of America NA
Westlake Village, CA
10,567 $1,859,805,000 $176,001 $147,506
8 Discover Bank
Greenwood, DE
9,702 $873,990,000 $90,083 $132,297
9 Ameris Bank
Atlanta, GA
8,878 $2,950,360,000 $332,322 $169,414
10 New American Funding, Llc.
Tustin, CA
8,732 $2,229,350,000 $255,308 $102,969
11 Amerihome Mortgage Company, LLC
Thousand Oaks, CA
8,454 $2,774,570,000 $328,196 $127,843
12 Mortgage Research Center
Columbia, MO
8,050 $2,467,780,000 $306,556 $104,268
13 21st Mortgage
Knoxville, TN
7,577 $1,035,745,000 $136,695 $69,192
14 Vanderbilt Mortgage and Finance, Inc
Maryville, TN
7,163 $1,495,325,000 $208,756 $93,192
15 Regions Bank
Birmingham, AL
6,625 $1,484,765,000 $224,115 $148,056
16 Amerisave Mortgage Company
Sandy Springs, GA
6,459 $1,111,925,000 $172,151 $102,962
17 loanDepot.com LLC
Irvine, CA
6,314 $1,487,790,000 $235,633 $107,701
18 Delta Community Credit Union
Atlanta, GA
5,947 $1,095,620,000 $184,230 $151,142
19 Fairway Independent Mort Corp
Madison, WI
5,345 $1,799,525,000 $336,674 $144,379
20 Nationstar Mortgage
Coppell, TX
4,985 $1,121,885,000 $225,052 $111,870
21 Figure Lending LLC
San Francisco, CA
4,586 $339,660,000 $74,064 $127,094
22 Spring Eq, LLC
Conshohocken, PA
4,578 $451,200,000 $98,558 $107,678
23 United Community Bank
Greenville, SC
4,542 $1,013,630,000 $223,168 $157,179
24 Crosscountry Mortgage, LLC
Cleveland, OH
4,451 $1,430,675,000 $321,427 $139,259
25 Guild Mortgage Company
San Diego, CA
4,325 $1,161,955,000 $268,660 $110,936

The tables below break down 2024 mortgage applications in Georgia by loan purpose, applicant race, loan type, outcome and denial reason, followed by totals for every metro area and county. Click a column heading to sort.

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Mortgage Loan Application Detail Totals for Georgia in 2024

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 246,167 $84,954,230,000 $345,000 $75,875,000 $140,000 $9,999,000
Cash-out Refinancing 85,181 $24,260,215,000 $285,000 $99,505,000 $108,000 $9,139,000
Refinancing 51,001 $18,714,325,000 $367,000 $98,035,000 $147,000 $9,550,000
Other Purpose 49,970 $5,536,880,000 $110,000 $19,885,000 $132,000 $9,242,000
Home Improvement 41,720 $4,497,320,000 $107,000 $23,325,000 $138,000 $9,999,000
Not Applicable 896 $95,500,000 $106,000 $5,005,000 $81,000 $962,000

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 179,088 $45,456,525,000 $253,000 $11,365,000 $143,000 $9,999,000
Black or African American 99,639 $23,262,305,000 $233,000 $11,075,000 $107,000 $9,216,000
Not Provided 69,606 $18,872,350,000 $271,000 $10,005,000 $135,000 $9,782,000
Not applicable 62,620 $31,280,565,000 $500,000 $99,505,000 $138,000 $7,000,000
Hispanic 33,844 $8,446,880,000 $249,000 $3,855,000 $117,000 $9,999,000
Asian 27,485 $10,133,790,000 $368,000 $9,355,000 $181,000 $9,060,000
American Indian or Alaskan Native 2,110 $478,360,000 $226,000 $3,305,000 $116,000 $5,408,000
Native Hawaiian or Other Pacific Islander 517 $123,525,000 $238,000 $855,000 $110,000 $744,000

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) 317,346 $89,772,125,000 $282,000 $99,505,000 $149,000 $9,999,000
FHA-insured (Federal Housing Administration) 98,396 $28,248,370,000 $287,000 $55,005,000 $90,000 $8,485,000
VA-guaranteed (Veterans Administration) 56,788 $19,500,920,000 $343,000 $2,685,000 $107,000 $8,149,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 2,405 $537,055,000 $223,000 $5,005,000 $77,000 $235,000

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 226,838 $69,197,785,000 $305,000 $78,445,000 $144,000 $9,999,000
Application Denied By Financial Institution 87,775 $17,147,215,000 $195,000 $98,035,000 $107,000 $9,999,000
Application Withdrawn By Applicant 66,380 $20,619,375,000 $310,000 $73,605,000 $136,000 $9,550,000
Loan Purchased By The Institution 55,087 $21,917,430,000 $398,000 $99,505,000 $140,000 $7,000,000
File Closed For Incompleteness 25,616 $5,591,350,000 $218,000 $39,345,000 $122,000 $9,713,000
Application Approved But Not Accepted 12,500 $3,333,940,000 $266,000 $39,235,000 $137,000 $7,528,000
Preapproval Approved but not Accepted 525 $188,195,000 $358,000 $1,405,000 $140,000 $1,416,000
Preapproval Denied by Financial Institution 214 $63,180,000 $295,000 $2,475,000 $95,000 $1,792,000

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 378,973 $118,705,065,000 $313,000 $99,505,000 $140,000 $9,999,000
Debt-To-Income Ratio 34,931 $7,447,630,000 $213,000 $73,605,000 $93,000 $8,105,000
Credit History 25,457 $3,906,210,000 $153,000 $11,995,000 $111,000 $9,060,000
Credit Application Incomplete 12,822 $2,367,460,000 $184,000 $2,595,000 $127,000 $8,888,000
Collateral 9,760 $2,238,890,000 $229,000 $37,175,000 $136,000 $9,999,000
Other 6,352 $1,750,425,000 $275,000 $98,035,000 $137,000 $4,548,000
Unverifiable Information 3,735 $838,265,000 $224,000 $3,315,000 $116,000 $2,724,000
Insufficient Cash (Downpayment, Closing Cost) 2,105 $580,415,000 $275,000 $2,545,000 $110,000 $4,800,000
Employment History 783 $219,395,000 $280,000 $9,555,000 $105,000 $5,077,000
Mortgage Insurance Denied 17 $4,715,000 $277,000 $1,045,000 $114,000 $322,000
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Mortgage Loan Application Totals in 2024 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 4,431 $ 792,795,000 $ 178,000 $ 107,000
Athens-Clarke County, GA 7,010 $ 2,037,025,000 $ 290,000 $ 150,000
Atlanta-Sandy Springs-Roswell, GA 226,408 $ 73,231,600,000 $ 323,000 $ 143,000
Augusta-Richmond County, GA-SC 16,892 $ 3,994,195,000 $ 236,000 $ 113,000
Brunswick, GA 4,826 $ 1,511,440,000 $ 313,000 $ 143,000
Columbus, GA-AL 9,107 $ 1,909,115,000 $ 209,000 $ 110,000
Dalton, GA 4,709 $ 893,150,000 $ 189,000 $ 87,000
Gainesville, GA 8,701 $ 2,549,900,000 $ 293,000 $ 141,000
Hinesville, GA 6,113 $ 1,401,165,000 $ 229,000 $ 93,000
Macon-Bibb County, GA 8,360 $ 1,809,520,000 $ 216,000 $ 105,000
Marietta, GA 67,188 $ 21,319,195,000 $ 317,000 $ 146,000
Rome, GA 3,780 $ 896,350,000 $ 237,000 $ 101,000
Savannah, GA 20,215 $ 6,100,630,000 $ 301,000 $ 141,000
Valdosta, GA 5,833 $ 1,187,265,000 $ 203,000 $ 95,000
Warner Robins, GA 10,010 $ 2,253,510,000 $ 225,000 $ 106,000
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Mortgage Loan Application Totals in 2024 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 465 $ 72,145,000 $ 155,000 $ 80,000
Atkinson 126 $ 16,550,000 $ 131,000 $ 65,000
Bacon 211 $ 28,845,000 $ 136,000 $ 88,000
Baker 50 $ 6,730,000 $ 134,000 $ 96,000
Baldwin 1,109 $ 249,775,000 $ 225,000 $ 112,000
Banks 813 $ 188,550,000 $ 232,000 $ 117,000
Barrow 5,768 $ 1,504,200,000 $ 260,000 $ 108,000
Bartow 5,896 $ 1,574,850,000 $ 267,000 $ 118,000
Ben Hill 327 $ 43,275,000 $ 132,000 $ 74,000
Berrien 698 $ 111,410,000 $ 159,000 $ 82,000
Bibb 5,396 $ 1,153,780,000 $ 213,000 $ 99,000
Bleckley 386 $ 60,760,000 $ 157,000 $ 89,000
Brantley 702 $ 107,490,000 $ 153,000 $ 82,000
Brooks 494 $ 71,330,000 $ 144,000 $ 80,000
Bryan 2,969 $ 945,385,000 $ 318,000 $ 136,000
Bulloch 2,585 $ 656,975,000 $ 254,000 $ 112,000
Burke 693 $ 127,455,000 $ 183,000 $ 91,000
Butts 1,240 $ 315,910,000 $ 254,000 $ 104,000
Calhoun 101 $ 10,825,000 $ 107,000 $ 79,000
Camden 3,528 $ 929,410,000 $ 263,000 $ 109,000
Candler 250 $ 45,700,000 $ 182,000 $ 91,000
Carroll 5,652 $ 1,289,075,000 $ 228,000 $ 105,000
Catoosa 3,316 $ 661,770,000 $ 199,000 $ 102,000
Charlton 350 $ 56,590,000 $ 161,000 $ 83,000
Chatham 13,260 $ 4,162,250,000 $ 313,000 $ 150,000
Chattahoochee 76 $ 12,750,000 $ 167,000 $ 89,000
Chattooga 881 $ 138,585,000 $ 157,000 $ 86,000
Cherokee 16,021 $ 5,329,345,000 $ 332,000 $ 161,000
Clarke 3,300 $ 958,640,000 $ 290,000 $ 151,000
Clay 102 $ 16,330,000 $ 160,000 $ 95,000
Clayton 11,901 $ 2,516,785,000 $ 211,000 $ 81,000
Clinch 144 $ 17,990,000 $ 124,000 $ 76,000
Cobb 32,979 $ 11,201,085,000 $ 339,000 $ 155,000
Coffee 780 $ 130,380,000 $ 167,000 $ 83,000
Colquitt 1,074 $ 174,280,000 $ 162,000 $ 96,000
Columbia 8,275 $ 2,274,620,000 $ 274,000 $ 133,000
Cook 573 $ 104,965,000 $ 183,000 $ 84,000
Coweta 7,756 $ 2,317,670,000 $ 298,000 $ 134,000
Crawford 331 $ 48,685,000 $ 147,000 $ 85,000
Crisp 421 $ 70,235,000 $ 166,000 $ 97,000
Dade 676 $ 132,330,000 $ 195,000 $ 111,000
Dawson 2,676 $ 956,330,000 $ 357,000 $ 159,000
Decatur 756 $ 141,280,000 $ 186,000 $ 92,000
DeKalb 30,074 $ 9,472,625,000 $ 315,000 $ 139,000
Dodge 491 $ 74,345,000 $ 151,000 $ 83,000
Dooly 215 $ 30,165,000 $ 140,000 $ 95,000
Dougherty 2,110 $ 366,830,000 $ 173,000 $ 108,000
Douglas 7,848 $ 2,055,305,000 $ 261,000 $ 105,000
Early 302 $ 41,760,000 $ 138,000 $ 80,000
Echols 55 $ 6,375,000 $ 115,000 $ 101,000
Effingham 3,986 $ 992,995,000 $ 249,000 $ 112,000
Elbert 681 $ 108,315,000 $ 159,000 $ 81,000
Emanuel 429 $ 68,495,000 $ 159,000 $ 85,000
Evans 315 $ 54,225,000 $ 172,000 $ 99,000
Fannin 1,577 $ 578,325,000 $ 366,000 $ 213,000
Fayette 6,095 $ 2,179,125,000 $ 357,000 $ 168,000
Floyd 3,780 $ 896,350,000 $ 237,000 $ 101,000
Forsyth 14,732 $ 6,029,945,000 $ 409,000 $ 185,000
Franklin 940 $ 189,330,000 $ 201,000 $ 100,000
Fulton 46,804 $ 18,744,615,000 $ 400,000 $ 199,000
Gilmer 1,999 $ 578,895,000 $ 289,000 $ 158,000
Glascock 85 $ 16,495,000 $ 194,000 $ 106,000
Glynn 3,402 $ 1,249,790,000 $ 367,000 $ 164,000
Gordon 2,435 $ 512,455,000 $ 210,000 $ 99,000
Grady 715 $ 121,615,000 $ 170,000 $ 94,000
Greene 1,038 $ 619,325,000 $ 597,000 $ 344,000
Gwinnett 41,208 $ 13,843,600,000 $ 336,000 $ 138,000
Habersham 1,997 $ 449,535,000 $ 225,000 $ 105,000
Hall 8,701 $ 2,549,900,000 $ 293,000 $ 141,000
Hancock 205 $ 47,105,000 $ 229,000 $ 127,000
Haralson 1,442 $ 312,730,000 $ 216,000 $ 100,000
Harris 1,770 $ 460,910,000 $ 260,000 $ 136,000
Hart 1,107 $ 258,075,000 $ 233,000 $ 124,000
Heard 449 $ 92,375,000 $ 205,000 $ 100,000
Henry 15,726 $ 4,514,450,000 $ 287,000 $ 109,000
Houston 8,657 $ 1,994,905,000 $ 230,000 $ 108,000
Irwin 208 $ 27,950,000 $ 134,000 $ 73,000
Jackson 6,182 $ 1,960,620,000 $ 317,000 $ 129,000
Jasper 925 $ 228,745,000 $ 247,000 $ 111,000
Jeff Davis 299 $ 44,565,000 $ 149,000 $ 83,000
Jefferson 385 $ 61,235,000 $ 159,000 $ 90,000
Jenkins 175 $ 32,095,000 $ 183,000 $ 109,000
Johnson 176 $ 25,550,000 $ 145,000 $ 75,000
Jones 1,072 $ 204,560,000 $ 190,000 $ 98,000
Lamar 942 $ 423,520,000 $ 449,000 $ 95,000
Lanier 518 $ 95,950,000 $ 185,000 $ 82,000
Laurens 1,374 $ 233,820,000 $ 170,000 $ 88,000
Lee 1,429 $ 293,455,000 $ 205,000 $ 112,000
Liberty 4,343 $ 967,455,000 $ 222,000 $ 93,000
Lincoln 297 $ 65,595,000 $ 220,000 $ 123,000
Long 1,770 $ 433,710,000 $ 245,000 $ 95,000
Lowndes 4,766 $ 1,013,610,000 $ 212,000 $ 98,000
Lumpkin 1,618 $ 407,520,000 $ 251,000 $ 133,000
Macon 204 $ 27,980,000 $ 137,000 $ 99,000
Madison 1,248 $ 275,305,000 $ 220,000 $ 101,000
Marion 257 $ 37,895,000 $ 147,000 $ 78,000
McDuffie 690 $ 135,450,000 $ 196,000 $ 92,000
McIntosh 722 $ 154,160,000 $ 213,000 $ 112,000
Meriwether 942 $ 193,900,000 $ 205,000 $ 85,000
Miller 217 $ 29,185,000 $ 134,000 $ 110,000
Mitchell 583 $ 82,125,000 $ 140,000 $ 72,000
Monroe 1,350 $ 370,700,000 $ 274,000 $ 142,000
Montgomery 152 $ 27,960,000 $ 183,000 $ 106,000
Morgan 849 $ 262,095,000 $ 308,000 $ 147,000
Murray 1,312 $ 231,940,000 $ 176,000 $ 85,000
Muscogee 6,671 $ 1,342,605,000 $ 201,000 $ 105,000
Newton 6,453 $ 1,555,430,000 $ 241,000 $ 96,000
Oconee 1,808 $ 660,680,000 $ 365,000 $ 200,000
Oglethorpe 654 $ 142,400,000 $ 217,000 $ 93,000
Paulding 10,850 $ 2,901,185,000 $ 267,000 $ 112,000
Peach 1,353 $ 258,605,000 $ 191,000 $ 100,000
Pickens 2,122 $ 583,305,000 $ 275,000 $ 135,000
Pierce 677 $ 109,165,000 $ 161,000 $ 89,000
Pike 835 $ 212,855,000 $ 254,000 $ 129,000
Polk 1,717 $ 331,545,000 $ 193,000 $ 88,000
Pulaski 336 $ 57,950,000 $ 172,000 $ 88,000
Putnam 1,073 $ 359,035,000 $ 334,000 $ 195,000
Quitman 91 $ 10,405,000 $ 114,000 $ 83,000
Rabun 777 $ 280,725,000 $ 361,000 $ 237,000
Randolph 120 $ 13,130,000 $ 109,000 $ 71,000
Richmond 6,937 $ 1,391,075,000 $ 200,000 $ 94,000
Rockdale 5,491 $ 1,476,025,000 $ 268,000 $ 105,000
Schley 167 $ 27,175,000 $ 162,000 $ 106,000
Screven 345 $ 53,455,000 $ 154,000 $ 87,000
Seminole 312 $ 41,770,000 $ 133,000 $ 89,000
Spalding 3,593 $ 860,825,000 $ 239,000 $ 95,000
Stephens 1,161 $ 233,735,000 $ 201,000 $ 99,000
Stewart 109 $ 15,425,000 $ 141,000 $ 71,000
Sumter 614 $ 104,920,000 $ 170,000 $ 96,000
Talbot 224 $ 39,530,000 $ 176,000 $ 100,000
Taliaferro 44 $ 6,330,000 $ 143,000 $ 86,000
Tattnall 624 $ 92,010,000 $ 147,000 $ 92,000
Taylor 204 $ 27,450,000 $ 134,000 $ 94,000
Telfair 226 $ 36,070,000 $ 159,000 $ 75,000
Terrell 277 $ 37,405,000 $ 135,000 $ 82,000
Thomas 1,492 $ 315,970,000 $ 211,000 $ 99,000
Tift 1,036 $ 201,390,000 $ 194,000 $ 107,000
Toombs 565 $ 93,745,000 $ 165,000 $ 86,000
Towns 646 $ 171,160,000 $ 264,000 $ 157,000
Treutlen 110 $ 16,820,000 $ 152,000 $ 91,000
Troup 2,872 $ 610,850,000 $ 212,000 $ 102,000
Turner 238 $ 30,780,000 $ 129,000 $ 80,000
Twiggs 211 $ 31,795,000 $ 150,000 $ 81,000
Union 1,398 $ 355,770,000 $ 254,000 $ 134,000
Upson 933 $ 160,970,000 $ 172,000 $ 89,000
Walker 3,339 $ 670,615,000 $ 200,000 $ 92,000
Walton 5,651 $ 1,618,890,000 $ 286,000 $ 122,000
Ware 1,034 $ 190,450,000 $ 184,000 $ 80,000
Warren 133 $ 21,815,000 $ 164,000 $ 78,000
Washington 419 $ 69,105,000 $ 164,000 $ 88,000
Wayne 1,285 $ 228,195,000 $ 177,000 $ 85,000
Webster 53 $ 10,665,000 $ 201,000 $ 101,000
Wheeler 90 $ 11,380,000 $ 126,000 $ 71,000
White 1,443 $ 341,465,000 $ 236,000 $ 119,000
Whitfield 3,397 $ 661,210,000 $ 194,000 $ 88,000
Wilcox 138 $ 19,360,000 $ 140,000 $ 81,000
Wilkes 288 $ 46,000,000 $ 159,000 $ 85,000
Wilkinson 202 $ 29,490,000 $ 145,000 $ 88,000
Worth 615 $ 95,105,000 $ 154,000 $ 103,000

Our comprehensive HMDA mortgage statistics offer invaluable insights into Georgia's 2024 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