Georgia mortgage data

In 2025, lenders originated 108,384 home-purchase mortgages on principal residences in Georgia, with a median loan of $325,000. One percent of that median loan is $3,250.

That one percent is the expected agent-MLO figure: what a real-estate agent who is also the licensed loan originator on a deal would expect per median loan here at an expected ~100 bps, before any adjustment for the loan or the plan. The median total loan costs the buyer paid, $8,008, is the cost of the whole loan on the Closing Disclosure, not any one party's fee.

Home-purchase loans in 2025
108,384
Median loan
$325,000
Expected agent-MLO figure, one percent of the median loan
$3,2501what the agent who is also the loan originator would expect on the median loan at an expected ~100 bps
Median total loan costs
$8,008103,089 of 108,384 loans report costs
Lenders that originated here
820
Came through a broker or other third party
24.3%106,591 loans report the channel

By county

66 counties have a page of their own. 93 more counties had fewer than 250 loans, 9,197 in all, and are counted in the state figures above without a page of their own.

Counties in Georgia with at least 250 home-purchase loans in 2025
CountyLoansMedian loan
Fulton County10,299$395,000
Gwinnett County8,749$375,000
Cobb County7,652$385,000
DeKalb County6,595$335,000
Cherokee County3,551$415,000
Chatham County3,330$325,000
Forsyth County3,288$525,000
Henry County3,282$325,000
Paulding County2,582$335,000
Columbia County2,308$315,000
Hall County2,298$355,000
Houston County2,242$275,000
Clayton County1,957$255,000
Coweta County1,934$355,000
Jackson County1,670$375,000
Douglas County1,610$305,000
Barrow County1,592$335,000
Bartow County1,541$315,000
Richmond County1,538$215,000
Carroll County1,488$275,000
Muscogee County1,484$235,000
Lowndes County1,341$255,000
Fayette County1,281$435,000
Newton County1,245$305,000
Walton County1,238$355,000
Bibb County1,167$225,000
Rockdale County1,071$295,000
Effingham County1,035$315,000
Liberty County1,035$265,000
Camden County1,010$295,000
Bryan County925$365,000
Floyd County924$245,000
Glynn County854$305,000
Catoosa County782$275,000
Spalding County765$255,000
Whitfield County761$245,000
Walker County752$235,000
Troup County726$255,000
Clarke County697$295,000
Bulloch County667$275,000
Gordon County643$265,000
Dawson County630$405,000
Long County542$295,000
Habersham County512$285,000
Pickens County490$325,000
Oconee County448$475,000
Harris County419$345,000
Haralson County395$275,000
Dougherty County367$195,000
Lee County363$255,000
Polk County361$235,000
Lumpkin County354$335,000
Thomas County353$235,000
Laurens County349$205,000
Murray County332$235,000
Gilmer County329$325,000
Monroe County314$325,000
Stephens County312$235,000
White County305$305,000
Madison County300$285,000
Wayne County295$205,000
Union County289$305,000
Putnam County284$305,000
Jones County261$235,000
Butts County257$255,000
Peach County250$245,000

Who lends in the state

Loans by lender kind
Lender kindLoansShare
Banks, thrifts and their mortgage subsidiaries24,91623.0%
Independent mortgage companies78,69372.6%
Credit unions4,7754.4%
Loans by program
ProgramLoansShare
FHA30,46228.1%
VA15,85314.6%
Conventional and other62,06957.3%
Lenders with the most home-purchase loans in the state, 2025
LenderKindLoansShare
United Wholesale MortgageIndependent mortgage company8,4297.8%
Rocket MortgageIndependent mortgage company6,3245.8%
Ameris BankBank3,5383.3%
Mortgage Research CenterIndependent mortgage company3,4223.2%
Guild Mortgage CompanyIndependent mortgage company2,8862.7%

Counts of loans each lender filed under HMDA. A lender's place in this table is a count, not a rating or a recommendation.

See every state.

How these numbers were made

Source: the Consumer Financial Protection Bureau's public HMDA Snapshot National Loan-Level Dataset for 2025, the loan-level file every covered mortgage lender files under the Home Mortgage Disclosure Act, as published by the FFIEC. Lender names and kinds come from the same release's transmittal sheet.

Filter: loans with action taken 1 (originated), loan purpose 1 (home purchase), occupancy type 1 (principal residence), lien status 1 (first lien), and not a reverse mortgage, not an open-end line of credit and not for a business or commercial purpose (each coded 2, or 1111 where the filer is exempt from reporting it). Refinances, second homes, investment properties, second liens, reverse mortgages, home equity lines, business-purpose loans and applications that did not close are not counted. Every figure on this page is over those loans in this state, including counties too small for a page of their own.

Rounding: the public file rounds each loan amount to the midpoint of its $10,000 band, so every amount ends in 5,000. Total loan costs are reported by most but not all lenders, and the costs median is over the loans that report them. A county gets a page at 250 or more home-purchase loans in the year, and a smaller county is counted in its state's figures. Lender kind follows the agency each lender files HMDA with, read from the name where that agency supervises more than one kind. A loan came through a broker or other third party when the lender reports the application was not submitted to it directly, which HMDA does not split further.

The same row of data is available as CSV and plain text. The data refreshes each June when the prior year's file is published. Built 2026-10-15.