State report · HMDA 2025
Georgia mortgages and home buyers, 2025
Incomes, down payments, rates, loan costs, denials and lenders across Georgia's 159 counties, from official HMDA records.
HMDA 2025 data released June 23, 2026
In 2025, lenders reported 103,247 home-purchase mortgages for owner-occupied, single-family homes in Georgia. The median buyer borrowed $325,000 on a home valued at $375,000 and reported a household income of $110,000.
Buyers financed a median 95% of the home's value (roughly 5% down), paid a median 6.624% on 30-year fixed conventional loans and faced median conventional loan costs of $6,350.
Lenders denied 9.9% of completed home-purchase applications.
Purchase loans
103,247
850 lenders active
Buyer income
$110,000
U.S. $116,000
Down payment
5%
U.S. 10%
30-yr fixed rate
6.624%
U.S. 6.625%
Loan costs
$6,350
Conventional · U.S. $5,570
FHA limit 2026
$541K–$719K
1-unit home, by county
Key facts
- Median conventional loan costs ($6,350) were 14% higher than the U.S. median ($5,570).
- FHA loans made up 27.7% of purchase mortgages, versus 21.1% nationally.
- The most common age bracket among borrowers was 25–34 (30.9% of purchase loans).
- 60.7% of purchase mortgages had a single borrower with no co-applicant.
- The most-cited reason for denial was debt-to-income ratio (40.0% of denials with a stated reason).
The 2026 conforming limit is $832,750 for a one-unit home in every Georgia county. See every Georgia county's 2026 FHA and conforming loan limits.
Georgia counties compared
Click a column to sort. Medians shown with at least 30 loans.
| County | Purchase loans | Median loan | Buyer income | Down payment | 30-yr rate | Loan costs | Denial rate | FHA limit |
|---|---|---|---|---|---|---|---|---|
| Appling County | 49 | $225,000 | $84,000 | 3.5% | — | — | 14.8% | $541,287 |
| Atkinson County | 6 | — | — | — | — | — | — | $541,287 |
| Bacon County | 22 | — | — | — | — | — | — | $541,287 |
| Baker County | 2 | — | — | — | — | — | — | $541,287 |
| Baldwin County | 168 | $245,000 | $93,000 | 3.5% | 6.625% | $5,400 | 11.9% | $541,287 |
| Banks County | 194 | $355,000 | $111,000 | 12.0% | 6.750% | $6,460 | 11.2% | $541,287 |
| Barrow County | 1,569 | $345,000 | $97,000 | 3.5% | 6.624% | $6,410 | 8.3% | $718,750 |
| Bartow County | 1,497 | $315,000 | $102,000 | 5.0% | 6.500% | $6,000 | 6.7% | $718,750 |
| Ben Hill County | 59 | $175,000 | $73,000 | 3.5% | — | — | 12.9% | $541,287 |
| Berrien County | 117 | $225,000 | $73,000 | 3.5% | — | — | 9.8% | $541,287 |
| Bibb County | 1,150 | $225,000 | $83,000 | 3.5% | 6.625% | $5,190 | 12.2% | $541,287 |
| Bleckley County | 82 | $195,000 | $83,000 | 3.5% | 6.375% | $4,470 | 6.6% | $541,287 |
| Brantley County | 66 | $235,000 | $89,000 | 3.5% | — | — | 10.8% | $541,287 |
| Brooks County | 68 | $235,000 | $82,000 | 3.5% | — | — | 4.2% | $541,287 |
| Bryan County | 878 | $375,000 | $129,000 | 7.6% | 6.625% | $5,290 | 5.5% | $541,287 |
| Bulloch County | 558 | $295,000 | $101,000 | 5.0% | 6.625% | $5,620 | 8.5% | $541,287 |
| Burke County | 111 | $275,000 | $114,000 | 5.0% | 6.500% | $6,080 | 10.2% | $541,287 |
| Butts County | 247 | $255,000 | $88,000 | 3.5% | 6.625% | $6,220 | 9.6% | $718,750 |
| Calhoun County | 9 | — | — | — | — | — | — | $541,287 |
| Camden County | 977 | $305,000 | $100,000 | 3.5% | 6.624% | $4,920 | 6.8% | $541,287 |
| Candler County | 62 | $255,000 | $87,000 | 3.5% | — | — | 7.3% | $541,287 |
| Carroll County | 1,375 | $285,000 | $92,000 | 3.5% | 6.500% | $6,090 | 8.2% | $718,750 |
| Catoosa County | 732 | $275,000 | $90,000 | 5.0% | 6.625% | $5,450 | 6.4% | $541,287 |
| Charlton County | 39 | $275,000 | $97,000 | 3.5% | — | — | 15.2% | $541,287 |
| Chatham County | 3,313 | $325,000 | $107,000 | 5.0% | 6.625% | $6,090 | 10.2% | $541,287 |
| Chattahoochee County | 14 | — | — | — | — | — | — | $541,287 |
| Chattooga County | 122 | $205,000 | $75,000 | 3.5% | 6.625% | $4,820 | 9.3% | $541,287 |
| Cherokee County | 3,501 | $415,000 | $147,000 | 17.5% | 6.625% | $6,610 | 5.6% | $718,750 |
| Clarke County | 686 | $295,000 | $110,000 | 10.0% | 6.500% | $6,240 | 8.3% | $616,400 |
| Clay County | 5 | — | — | — | — | — | — | $541,287 |
| Clayton County | 1,940 | $255,000 | $77,000 | 3.5% | 6.500% | $5,970 | 16.9% | $718,750 |
| Clinch County | 12 | — | — | — | — | — | — | $541,287 |
| Cobb County | 7,599 | $395,000 | $140,000 | 10.0% | 6.624% | $6,550 | 7.8% | $718,750 |
| Coffee County | 99 | $215,000 | $70,000 | 3.5% | — | — | 12.2% | $541,287 |
| Colquitt County | 167 | $215,000 | $73,000 | 4.0% | 6.750% | $5,510 | 9.5% | $541,287 |
| Columbia County | 2,276 | $315,000 | $113,000 | 3.5% | 6.600% | $6,220 | 5.4% | $541,287 |
| Cook County | 81 | $225,000 | $87,000 | 3.5% | — | — | 10.9% | $541,287 |
| Coweta County | 1,914 | $355,000 | $125,000 | 10.0% | 6.500% | $6,310 | 6.0% | $718,750 |
| Crawford County | 43 | $235,000 | $94,000 | 3.5% | — | — | 8.0% | $541,287 |
| Crisp County | 75 | $205,000 | $84,000 | 3.5% | — | $4,000 | 8.1% | $541,287 |
| Dade County | 106 | $275,000 | $100,000 | 5.0% | 6.624% | $5,180 | 9.0% | $541,287 |
| Dawson County | 610 | $405,000 | $120,000 | 10.0% | 6.490% | $6,770 | 7.0% | $718,750 |
| Decatur County | 134 | $215,000 | $75,000 | 3.5% | — | — | 21.7% | $541,287 |
| DeKalb County | 6,592 | $335,000 | $120,000 | 7.1% | 6.500% | $6,510 | 12.2% | $718,750 |
| Dodge County | 55 | $195,000 | $77,000 | 3.5% | — | — | 15.9% | $541,287 |
| Dooly County | 33 | $215,000 | $94,000 | 3.5% | — | — | 15.0% | $541,287 |
| Dougherty County | 357 | $195,000 | $76,000 | 3.5% | 6.625% | $4,650 | 13.4% | $541,287 |
| Douglas County | 1,590 | $315,000 | $96,000 | 3.5% | 6.624% | $6,530 | 13.6% | $718,750 |
| Early County | 21 | — | — | — | — | — | — | $541,287 |
| Echols County | 5 | — | — | — | — | — | — | $541,287 |
| Effingham County | 922 | $325,000 | $106,000 | 3.5% | 6.625% | $6,230 | 9.2% | $541,287 |
| Elbert County | 102 | $225,000 | $73,000 | 5.0% | 6.625% | $5,350 | 6.3% | $541,287 |
| Emanuel County | 51 | $195,000 | $83,000 | 3.5% | — | — | 17.7% | $541,287 |
| Evans County | 29 | — | — | — | — | — | 11.8% | $541,287 |
| Fannin County | 193 | $395,000 | $132,000 | 20.0% | 6.750% | $6,990 | 12.1% | $541,287 |
| Fayette County | 1,248 | $445,000 | $154,000 | 10.0% | 6.625% | $6,960 | 11.5% | $718,750 |
| Floyd County | 873 | $245,000 | $87,000 | 5.0% | 6.599% | $5,720 | 9.5% | $541,287 |
| Forsyth County | 3,273 | $525,000 | $173,000 | 20.0% | 6.625% | $6,390 | 6.1% | $718,750 |
| Franklin County | 166 | $275,000 | $85,000 | 5.0% | 6.625% | $6,340 | 7.6% | $541,287 |
| Fulton County | 10,296 | $395,000 | $150,000 | 10.0% | 6.500% | $6,960 | 11.5% | $718,750 |
| Gilmer County | 278 | $365,000 | $118,000 | 20.0% | 6.625% | $6,070 | 11.9% | $541,287 |
| Glascock County | 9 | — | — | — | — | — | — | $541,287 |
| Glynn County | 821 | $315,000 | $117,000 | 10.0% | 6.500% | $6,630 | 7.5% | $541,287 |
| Gordon County | 584 | $275,000 | $88,000 | 3.5% | 6.625% | $6,220 | 12.3% | $541,287 |
| Grady County | 91 | $215,000 | $78,000 | 5.0% | 6.500% | $5,030 | 9.6% | $541,287 |
| Greene County | 220 | $475,000 | $190,000 | 20.0% | 6.575% | $6,730 | 7.0% | $638,250 |
| Gwinnett County | 8,717 | $375,000 | $119,000 | 10.0% | 6.571% | $6,900 | 10.9% | $718,750 |
| Habersham County | 437 | $295,000 | $95,000 | 10.0% | 6.625% | $6,190 | 7.7% | $541,287 |
| Hall County | 2,215 | $355,000 | $114,000 | 10.0% | 6.625% | $6,490 | 9.6% | $541,287 |
| Hancock County | 18 | — | — | — | — | — | — | $541,287 |
| Haralson County | 335 | $295,000 | $100,000 | 5.0% | 6.625% | $6,240 | 6.3% | $718,750 |
| Harris County | 403 | $355,000 | $129,000 | 5.0% | 6.750% | $6,210 | 4.9% | $541,287 |
| Hart County | 200 | $265,000 | $87,000 | 12.8% | 6.625% | $6,200 | 10.5% | $541,287 |
| Heard County | 91 | $295,000 | $102,000 | 7.8% | 6.625% | $7,270 | 10.5% | $718,750 |
| Henry County | 3,236 | $325,000 | $102,000 | 3.5% | 6.500% | $6,760 | 16.0% | $718,750 |
| Houston County | 2,194 | $275,000 | $97,000 | 3.5% | 6.500% | $4,700 | 7.5% | $541,287 |
| Irwin County | 23 | — | — | — | — | — | — | $541,287 |
| Jackson County | 1,600 | $375,000 | $116,000 | 8.8% | 6.500% | $6,630 | 8.3% | $541,287 |
| Jasper County | 213 | $295,000 | $102,000 | 6.1% | 6.625% | $6,400 | 5.6% | $718,750 |
| Jeff Davis County | 45 | $195,000 | $80,000 | 3.5% | — | — | 10.0% | $541,287 |
| Jefferson County | 53 | $185,000 | $81,000 | 3.5% | — | — | 11.3% | $541,287 |
| Jenkins County | 24 | — | — | — | — | — | — | $541,287 |
| Johnson County | 27 | — | — | — | — | — | — | $541,287 |
| Jones County | 203 | $265,000 | $95,000 | 3.5% | 6.500% | $4,670 | 12.2% | $541,287 |
| Lamar County | 220 | $285,000 | $93,000 | 3.5% | 6.625% | $5,900 | 9.0% | $541,287 |
| Lanier County | 112 | $235,000 | $77,000 | 0.0% | — | — | 2.6% | $541,287 |
| Laurens County | 274 | $215,000 | $81,000 | 3.5% | 6.490% | $5,120 | 15.5% | $541,287 |
| Lee County | 347 | $265,000 | $100,000 | 3.5% | 6.625% | $5,500 | 4.6% | $541,287 |
| Liberty County | 946 | $275,000 | $85,000 | 0.0% | 6.625% | $5,530 | 8.0% | $541,287 |
| Lincoln County | 59 | $285,000 | $123,000 | 15.0% | — | $6,880 | 4.8% | $541,287 |
| Long County | 487 | $295,000 | $94,000 | 0.0% | — | — | 5.8% | $541,287 |
| Lowndes County | 1,286 | $255,000 | $92,000 | 3.5% | 6.625% | $5,650 | 8.5% | $541,287 |
| Lumpkin County | 308 | $355,000 | $118,000 | 15.0% | 6.625% | $6,330 | 9.5% | $718,750 |
| McDuffie County | 157 | $235,000 | $87,000 | 3.5% | 6.375% | $5,640 | 9.0% | $541,287 |
| McIntosh County | 132 | $275,000 | $115,000 | 8.0% | 6.750% | $6,310 | 7.0% | $541,287 |
| Macon County | 18 | — | — | — | — | — | — | $541,287 |
| Madison County | 227 | $305,000 | $100,000 | 5.0% | 6.625% | $6,620 | 8.3% | $616,400 |
| Marion County | 25 | — | — | — | — | — | 17.1% | $541,287 |
| Meriwether County | 193 | $275,000 | $91,000 | 3.5% | 6.625% | $5,350 | 8.3% | $718,750 |
| Miller County | 20 | — | — | — | — | — | — | $541,287 |
| Mitchell County | 56 | $165,000 | $69,000 | 3.5% | — | — | 14.7% | $541,287 |
| Monroe County | 283 | $345,000 | $126,000 | 10.0% | 6.625% | $6,430 | 6.2% | $541,287 |
| Montgomery County | 23 | — | — | — | — | — | — | $541,287 |
| Morgan County | 200 | $375,000 | $122,000 | 20.0% | 6.625% | $7,090 | 10.5% | $718,750 |
| Murray County | 256 | $255,000 | $83,000 | 3.5% | 6.500% | $5,450 | 8.0% | $541,287 |
| Muscogee County | 1,481 | $245,000 | $91,000 | 3.5% | 6.625% | $5,330 | 8.0% | $541,287 |
| Newton County | 1,225 | $305,000 | $90,000 | 3.5% | 6.625% | $6,080 | 14.5% | $718,750 |
| Oconee County | 445 | $475,000 | $159,000 | 20.0% | 6.500% | $6,490 | 3.8% | $616,400 |
| Oglethorpe County | 112 | $305,000 | $104,000 | 6.0% | 6.500% | $6,020 | 8.0% | $616,400 |
| Paulding County | 2,555 | $335,000 | $103,000 | 4.9% | 6.625% | $5,870 | 10.2% | $718,750 |
| Peach County | 235 | $255,000 | $86,000 | 3.5% | 6.375% | $5,120 | 9.8% | $541,287 |
| Pickens County | 417 | $335,000 | $115,000 | 10.8% | 6.625% | $6,180 | 9.2% | $718,750 |
| Pierce County | 141 | $235,000 | $90,000 | 4.4% | 6.624% | $5,650 | 10.4% | $541,287 |
| Pike County | 199 | $365,000 | $131,000 | 11.9% | 6.625% | $6,430 | 8.2% | $718,750 |
| Polk County | 335 | $235,000 | $82,000 | 3.5% | 6.625% | $6,000 | 8.6% | $541,287 |
| Pulaski County | 82 | $185,000 | $85,000 | 3.5% | — | — | 7.3% | $541,287 |
| Putnam County | 221 | $325,000 | $120,000 | 15.7% | 6.625% | $6,380 | 6.2% | $541,287 |
| Quitman County | 5 | — | — | — | — | — | — | $541,287 |
| Rabun County | 100 | $335,000 | $121,000 | 15.0% | 6.625% | $6,050 | 8.0% | $541,287 |
| Randolph County | 14 | — | — | — | — | — | — | $541,287 |
| Richmond County | 1,478 | $225,000 | $78,000 | 3.5% | 6.600% | $4,910 | 11.7% | $541,287 |
| Rockdale County | 1,070 | $295,000 | $91,000 | 3.5% | 6.500% | $7,250 | 21.2% | $718,750 |
| Schley County | 24 | — | — | — | — | — | — | $541,287 |
| Screven County | 49 | $235,000 | $86,000 | 5.0% | — | — | 7.5% | $541,287 |
| Seminole County | 34 | $155,000 | $66,000 | — | — | — | 2.9% | $541,287 |
| Spalding County | 738 | $255,000 | $87,000 | 3.5% | 6.500% | $5,070 | 10.3% | $718,750 |
| Stephens County | 253 | $245,000 | $81,000 | 3.5% | 6.625% | $6,030 | 7.2% | $541,287 |
| Stewart County | 9 | — | — | — | — | — | — | $541,287 |
| Sumter County | 107 | $205,000 | $88,000 | 5.0% | 6.750% | $4,340 | 9.3% | $541,287 |
| Talbot County | 23 | — | — | — | — | — | 23.3% | $541,287 |
| Taliaferro County | 5 | — | — | — | — | — | — | $541,287 |
| Tattnall County | 103 | $215,000 | $78,000 | 3.5% | 6.625% | $5,400 | 9.5% | $541,287 |
| Taylor County | 14 | — | — | — | — | — | — | $541,287 |
| Telfair County | 15 | — | — | — | — | — | — | $541,287 |
| Terrell County | 32 | $145,000 | $63,000 | — | — | — | 11.1% | $541,287 |
| Thomas County | 305 | $255,000 | $98,000 | 5.0% | 6.500% | $5,440 | 5.7% | $541,287 |
| Tift County | 224 | $265,000 | $97,000 | 4.0% | 6.625% | $6,490 | 7.3% | $541,287 |
| Toombs County | 78 | $225,000 | $86,000 | 3.5% | — | $5,300 | 11.2% | $541,287 |
| Towns County | 110 | $325,000 | $112,000 | 20.0% | 6.625% | $5,200 | 7.9% | $541,287 |
| Treutlen County | 9 | — | — | — | — | — | — | $541,287 |
| Troup County | 715 | $255,000 | $83,000 | 3.5% | 6.500% | $5,480 | 9.8% | $541,287 |
| Turner County | 30 | $155,000 | — | — | — | — | 3.2% | $541,287 |
| Twiggs County | 18 | — | — | — | — | — | 30.0% | $541,287 |
| Union County | 251 | $335,000 | $113,000 | 20.0% | 6.625% | $5,660 | 7.5% | $541,287 |
| Upson County | 176 | $225,000 | $77,000 | 3.5% | 6.625% | $5,790 | 10.2% | $541,287 |
| Walker County | 707 | $245,000 | $81,000 | 3.5% | 6.625% | $5,230 | 7.8% | $541,287 |
| Walton County | 1,212 | $355,000 | $113,000 | 6.3% | 6.625% | $7,450 | 7.7% | $718,750 |
| Ware County | 184 | $175,000 | $73,000 | 3.5% | 6.625% | $4,550 | 12.6% | $541,287 |
| Warren County | 15 | — | — | — | — | — | — | $541,287 |
| Washington County | 52 | $195,000 | $79,000 | 5.0% | — | — | 16.1% | $541,287 |
| Wayne County | 175 | $245,000 | $90,000 | 3.5% | 6.625% | $6,050 | 4.8% | $541,287 |
| Webster County | 4 | — | — | — | — | — | — | $541,287 |
| Wheeler County | 17 | — | — | — | — | — | — | $541,287 |
| White County | 249 | $335,000 | $107,000 | 13.4% | 6.625% | $6,370 | 11.8% | $541,287 |
| Whitfield County | 695 | $255,000 | $82,000 | 5.0% | 6.625% | $5,550 | 10.9% | $541,287 |
| Wilcox County | 14 | — | — | — | — | — | — | $541,287 |
| Wilkes County | 56 | $185,000 | $76,000 | 5.0% | — | — | 8.1% | $541,287 |
| Wilkinson County | 40 | $175,000 | $83,000 | 3.5% | — | — | 10.9% | $541,287 |
| Worth County | 64 | $185,000 | $86,000 | 3.5% | — | — | 13.3% | $541,287 |
Who bought homes in Georgia
Home-purchase mortgages for owner-occupied, single-family (1–4 unit) site-built homes, first liens, originated in 2025.
Purchase loans
103,247
of 117,661 applications
Buyer income
$110,000
Middle half $79,000–$167,000
Home value
$375,000
Middle half $285,000–$525,000
Loan amount
$325,000
Middle half $255,000–$435,000
Down payment
5%
33.0% put 20%+ down
Single borrower
60.7%
No co-applicant
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 Georgia
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 | Georgia | U.S. |
|---|---|---|
| 30-year fixed rate · conventional | 6.624% | 6.625% |
| 30-year fixed rate · FHA | 6.125% | 6.250% |
| 30-year fixed rate · VA | 6.249% | 6.125% |
| 15-year fixed rate · conventional | 5.750% | 5.875% |
| Rate spread vs. APOR · conventional | +0.13 pts | +0.13 pts |
| Total loan costs · conventional | $6,350 | $5,570 |
| Total loan costs · FHA | $11,920 | $11,310 |
| Total loan costs · VA | $6,330 | $6,490 |
| Origination charges (all loan types) | $2,590 | $1,860 |
| Borrowers paying discount points | 58.3% | 51.3% |
| Points paid, when paid (% of loan) | 0.91% | 0.87% |
| Borrowers receiving lender credits | 36.4% | 33.1% |
| Adjustable-rate mortgages | 4.8% | 7.4% |
| Jumbo loans (above conforming limit) | 3.2% | 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
Georgia: 11,673 of 117,661 completed home-purchase applications were denied (9.9%).
Denial rate
| Application | Georgia | U.S. |
|---|---|---|
| Home purchase | 9.9% | 8.5% |
| Conventional | 8.2% | 7.1% |
| FHA | 13.7% | 12.5% |
| VA | 9.0% | 8.0% |
| USDA | 11.1% | 12.5% |
| Refinance | 19.8% | 17.9% |
| Cash-out refinance | 37.4% | 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 Georgia
Refinances
24,551
Median loan $335,000
Refi rate
6.375%
30-yr fixed, conv.
Refi loan costs
$5,730
Conventional
Cash-out refis
23,528
Median loan $245,000
Cash-out rate
6.875%
30-yr fixed, conv.
Cash-out income
$90,000
Median borrower
Top mortgage lenders in Georgia
| # | Lender | Loans | Share | Denial rate | 30-yr rate* | Spread* | Costs* |
|---|---|---|---|---|---|---|---|
| 1 | United Wholesale Mortgage (UWM) | 14,689 | 9.7% | 10.0% | 6.624% | +0.17 | $7,290 |
| 2 | Rocket Mortgage, LLC | 14,195 | 9.4% | 14.3% | 6.625% | +0.17 | $6,200 |
| 3 | Ameris Bank | 4,039 | 2.7% | 4.2% | 6.490% | +0.11 | $6,940 |
| 4 | Veterans United Home Loans | 3,913 | 2.6% | 9.3% | 6.625% | +0.12 | $1,800 |
| 5 | Freedom Mortgage Corporation | 3,841 | 2.5% | 22.5% | 6.625% | +0.06 | $8,870 |
| 6 | Pennymac Loan Services, LLC | 3,414 | 2.3% | 14.5% | 6.624% | +0.16 | $6,680 |
| 7 | Fairway Independent Mortgage Corporation | 2,997 | 2.0% | 2.9% | 6.750% | +0.28 | $6,480 |
| 8 | Guild Mortgage Company | 2,981 | 2.0% | 4.6% | 6.500% | +0.14 | $6,480 |
| 9 | CrossCountry Mortgage, Inc. | 2,830 | 1.9% | 3.7% | 6.825% | +0.42 | $7,540 |
| 10 | New American Funding | 2,823 | 1.9% | 5.0% | 6.625% | +0.34 | $6,500 |
| 11 | DHI Mortgage Company, Ltd. | 2,536 | 1.7% | 21.3% | 5.500% | −0.95 | $3,010 |
| 12 | loanDepot.com, LLC | 2,532 | 1.7% | 21.9% | 4.990% | −0.96 | $7,360 |
| 13 | Movement Mortgage, LLC | 1,934 | 1.3% | 3.8% | 6.562% | +0.13 | $6,470 |
| 14 | Navy Federal Credit Union | 1,835 | 1.2% | 13.5% | 6.750% | +0.05 | $4,250 |
| 15 | Everett Financial, Inc. | 1,798 | 1.2% | 12.3% | 6.875% | +0.48 | $9,820 |
| 16 | Truist Bank | 1,786 | 1.2% | 8.4% | 6.490% | −0.05 | $6,020 |
| 17 | JPMorgan Chase Bank, N.A. | 1,741 | 1.1% | 11.5% | 6.490% | −0.08 | $4,590 |
| 18 | Banksouth Mortgage Company, LLC | 1,720 | 1.1% | 3.7% | 6.625% | +0.10 | $8,090 |
| 19 | Newrez LLC | 1,681 | 1.1% | 11.8% | 6.750% | +0.33 | $8,160 |
| 20 | Vanderbilt Mortgage and Finance, Inc. | 1,372 | 0.9% | 1.7% | 6.500% | +0.09 | $5,200 |
| 21 | Canopy Mortgage, LLC | 1,353 | 0.9% | 2.2% | 6.500% | +0.16 | $9,300 |
| 22 | Wells Fargo Bank, N.A. | 1,249 | 0.8% | 20.4% | 6.375% | −0.07 | $5,110 |
| 23 | Mr. Cooper | 1,215 | 0.8% | 7.6% | 6.875% | +0.26 | $5,570 |
| 24 | Renasant Bank | 1,193 | 0.8% | 5.0% | 6.500% | +0.07 | $6,490 |
| 25 | Regions Bank | 1,182 | 0.8% | 13.5% | 6.500% | +0.07 | $6,510 |
Largest lenders in Georgia by 2025 originations. Loans = home-purchase, refinance and cash-out originations (2025); share = share of those loans here; denial rate = home-purchase applications. *Medians for conventional home-purchase loans, shown with at least 20 loans; spread = APR minus the average prime offer rate at rate lock (percentage points); costs = total loan costs (section D).
Metro areas in Georgia
- Atlanta-Sandy Springs-Roswell, GA · 48,473 purchases
- Marietta, GA · 15,487 purchases
- Augusta-Richmond County, GA-SC · 6,666 purchases
- Chattanooga, TN-GA · 5,947 purchases
- Savannah, GA · 5,113 purchases
- Columbus, GA-AL · 2,540 purchases
- Warner Robins, GA · 2,429 purchases
- Gainesville, GA · 2,215 purchases
- Macon-Bibb County, GA · 1,697 purchases
- Hinesville, GA · 1,433 purchases
- Athens-Clarke County, GA · 1,471 purchases
- Valdosta, GA · 1,471 purchases
- Brunswick-St. Simons, GA · 1,019 purchases
- Dalton, GA · 951 purchases
- Albany, GA · 800 purchases
- Rome, GA · 873 purchases
Source: FFIEC/CFPB HMDA 2025 public LAR; FHFA and HUD 2026 loan limits. Methodology