Atlanta-Sandy Springs-Roswell, GA metro: mortgages and home buyers
2025 home-purchase and refinance statistics for the 24-county Atlanta-Sandy Springs-Roswell, GA area (OMB code 12054), from official HMDA records.
In 2025, lenders reported 48,473 home-purchase mortgages for owner-occupied, single-family homes in the Atlanta-Sandy Springs-Roswell, GA metro area. The median buyer borrowed $355,000 on a home valued at $405,000 and reported a household income of $118,000.
Buyers financed a median 95% of the home's value (roughly 5% down), paid a median 6.564% on 30-year fixed conventional loans and faced median conventional loan costs of $6,680.
Lenders denied 11.4% of completed home-purchase applications.
Key facts
- The median 30-year fixed conventional rate here was 6 basis points below the U.S. median (6.625%).
- Median conventional loan costs ($6,680) were 20% higher than the U.S. median ($5,570).
- FHA loans made up 29.3% of purchase mortgages, versus 21.1% nationally.
- The most common age bracket among borrowers was 25–34 (29.4% of purchase loans).
- 63.4% of purchase mortgages had a single borrower with no co-applicant.
- The most-cited reason for denial was debt-to-income ratio (41.2% of denials with a stated reason).
Counties in the metro area
| County | Purchase loans | Median loan | Buyer income | 30-yr rate | Loan costs | Conforming limit | FHA limit |
|---|---|---|---|---|---|---|---|
| Fulton County, GA | 10,296 | $395,000 | $150,000 | 6.500% | $6,960 | $832,750 | $718,750 |
| Gwinnett County, GA | 8,717 | $375,000 | $119,000 | 6.571% | $6,900 | $832,750 | $718,750 |
| DeKalb County, GA | 6,592 | $335,000 | $120,000 | 6.500% | $6,510 | $832,750 | $718,750 |
| Forsyth County, GA | 3,273 | $525,000 | $173,000 | 6.625% | $6,390 | $832,750 | $718,750 |
| Henry County, GA | 3,236 | $325,000 | $102,000 | 6.500% | $6,760 | $832,750 | $718,750 |
| Clayton County, GA | 1,940 | $255,000 | $77,000 | 6.500% | $5,970 | $832,750 | $718,750 |
| Coweta County, GA | 1,914 | $355,000 | $125,000 | 6.500% | $6,310 | $832,750 | $718,750 |
| Douglas County, GA | 1,590 | $315,000 | $96,000 | 6.624% | $6,530 | $832,750 | $718,750 |
| Barrow County, GA | 1,569 | $345,000 | $97,000 | 6.624% | $6,410 | $832,750 | $718,750 |
| Carroll County, GA | 1,375 | $285,000 | $92,000 | 6.500% | $6,090 | $832,750 | $718,750 |
| Newton County, GA | 1,225 | $305,000 | $90,000 | 6.625% | $6,080 | $832,750 | $718,750 |
| Walton County, GA | 1,212 | $355,000 | $113,000 | 6.625% | $7,450 | $832,750 | $718,750 |
| Fayette County, GA | 1,248 | $445,000 | $154,000 | 6.625% | $6,960 | $832,750 | $718,750 |
| Rockdale County, GA | 1,070 | $295,000 | $91,000 | 6.500% | $7,250 | $832,750 | $718,750 |
| Spalding County, GA | 738 | $255,000 | $87,000 | 6.500% | $5,070 | $832,750 | $718,750 |
| Dawson County, GA | 610 | $405,000 | $120,000 | 6.490% | $6,770 | $832,750 | $718,750 |
| Pickens County, GA | 417 | $335,000 | $115,000 | 6.625% | $6,180 | $832,750 | $718,750 |
| Lumpkin County, GA | 308 | $355,000 | $118,000 | 6.625% | $6,330 | $832,750 | $718,750 |
| Butts County, GA | 247 | $255,000 | $88,000 | 6.625% | $6,220 | $832,750 | $718,750 |
| Jasper County, GA | 213 | $295,000 | $102,000 | 6.625% | $6,400 | $832,750 | $718,750 |
| Morgan County, GA | 200 | $375,000 | $122,000 | 6.625% | $7,090 | $832,750 | $718,750 |
| Pike County, GA | 199 | $365,000 | $131,000 | 6.625% | $6,430 | $832,750 | $718,750 |
| Meriwether County, GA | 193 | $275,000 | $91,000 | 6.625% | $5,350 | $832,750 | $718,750 |
| Heard County, GA | 91 | $295,000 | $102,000 | 6.625% | $7,270 | $832,750 | $718,750 |
Who bought homes in Atlanta
Home-purchase mortgages for owner-occupied, single-family (1–4 unit) site-built homes, first liens, originated in 2025.
Values are medians; "middle half" is the 25th to 75th percentile.
Loan type
What the homes were for
All first-lien, closed-end purchase mortgages, including second homes and investors.
Borrower age
Debt-to-income ratio
Monthly debts (including the new payment) as a share of income, as used in underwriting.
What borrowing cost in Atlanta
Medians for 2025 home-purchase loans. Total loan costs are section D of the Loan Estimate/Closing Disclosure (lender and third-party loan charges, excluding taxes, prepaids and escrow). FHA and VA costs include the upfront mortgage insurance premium or VA funding fee, so compare like with like.
| Measure | Atlanta | U.S. |
|---|---|---|
| 30-year fixed rate · conventional | 6.564% | 6.625% |
| 30-year fixed rate · FHA | 6.125% | 6.250% |
| 30-year fixed rate · VA | 6.125% | 6.125% |
| 15-year fixed rate · conventional | 5.750% | 5.875% |
| Rate spread vs. APOR · conventional | +0.11 pts | +0.13 pts |
| Total loan costs · conventional | $6,680 | $5,570 |
| Total loan costs · FHA | $12,750 | $11,310 |
| Total loan costs · VA | $5,380 | $6,490 |
| Origination charges (all loan types) | $3,090 | $1,860 |
| Borrowers paying discount points | 58.6% | 51.3% |
| Points paid, when paid (% of loan) | 0.97% | 0.87% |
| Borrowers receiving lender credits | 37.5% | 33.1% |
| Adjustable-rate mortgages | 5.8% | 7.4% |
| Jumbo loans (above conforming limit) | 4.7% | 3.8% |
Medians are shown only when at least 30 loans report the field. Rates are those reported at closing; market rates changed during 2025, which the rate spread (APR minus the average prime offer rate on the lock date) adjusts for.
Approvals and denials
Atlanta: 6,428 of 56,275 completed home-purchase applications were denied (11.4%).
Denial rate
| Application | Atlanta | U.S. |
|---|---|---|
| Home purchase | 11.4% | 8.5% |
| Conventional | 9.2% | 7.1% |
| FHA | 15.5% | 12.5% |
| VA | 12.4% | 8.0% |
| USDA | 11.1% | 12.5% |
| Refinance | 22.7% | 17.9% |
| Cash-out refinance | 40.4% | 33.6% |
Main reason for purchase denials
First reason the lender reported.
Denial rate = denied ÷ (originated + approved but not accepted + denied). Withdrawn and incomplete applications are excluded. Differences between places reflect who applies, not only lender behavior.
Refinancing in Atlanta
Source: FFIEC/CFPB HMDA 2025 public LAR (derived MSA/MD); OMB July 2023 delineations via the U.S. Census Bureau. Methodology