Today's Georgia (GA) Mortgage Rates

Georgia (GA) Mortgage Rates & Mortgage Loan Data – Prior Year

Mortgage Actions Taken

Loan originated: 2,230,058
Loan purchased by the institution: 958,203
Application denied by financial institution: 938,509
Application withdrawn by applicant: 491,486
Application approved but not accepted: 204,450
File closed for incompleteness: 150,399
Preapproval request denied by financial institution: 663
Preapproval request approved but not accepted: 83

Purpose of Loans

Refinancing: 2,818,807
Home purchase: 1,888,499
Home improvement: 266,545

Mortgage Types

Conventional: 3,484,142
FHA-insured: 1,089,381
VA-guaranteed: 333,325
FSA/RHS-guaranteed: 67,003

Mortage Actions by Applicant Race

White: 2,795,082
Black or African American: 885,332
Information not provided by applicant in mail, Internet, or telephone application: 591,999
Not applicable: 515,668
Asian: 154,349
American Indian or Alaska Native: 18,401
Native Hawaiian or Other Pacific Islander: 13,020

Mortage Actions by Applicant Ethnicity

Not Hispanic or Latino: 3,703,975
Information not provided by applicant in mail, Internet, or telephone application: 577,205
Not applicable: 517,182
Hispanic or Latino: 175,489

Mortage Actions by Applicant Sex

Male: 2,735,956
Female: 1,372,149
Not applicable: 516,022
Information not provided by applicant in mail, Internet, or telephone application: 349,724

Mortage Actions by Agency Name

Department of Housing and Urban Development: 1,389,779
Consumer Financial Protection Bureau: 1,169,255
Office of the Comptroller of the Currency: 938,258
Federal Deposit Insurance Corporation: 554,705
Federal Reserve System: 454,960
Office of Thrift Supervision: 323,838
National Credit Union Administration: 143,056

Mortage Actions by County

Fulton County: 557,940
Gwinnett County: 466,234
Cobb County: 420,088
DeKalb County: 368,229
Forsyth County: 158,296
Cherokee County: 157,994
Chatham County: 140,109
Henry County: 133,689
Clayton County: 110,813
Paulding County: 97,852
Columbia County: 93,891
Hall County: 86,580
Muscogee County: 81,238
Coweta County: 81,103
Richmond County: 79,636
Houston County: 77,486
Douglas County: 76,140
Fayette County: 69,843
Newton County: 59,135
Carroll County: 56,365
Bibb County: 54,466
Bartow County: 51,565
Walton County: 49,076
Lowndes County: 48,290
Rockdale County: 45,951
Barrow County: 44,742
Clarke County: 44,520
Glynn County: 42,821
Jackson County: 37,111
Floyd County: 35,974
Whitfield County: 34,688
Catoosa County: 33,352
Effingham County: 31,116
Liberty County: 31,088
Walker County: 29,933
Camden County: 28,526
Dougherty County: 27,982
Troup County: 26,605
Spalding County: 26,513
Bryan County: 25,603
Gordon County: 23,370
Oconee County: 22,328
Bulloch County: 21,780
Harris County: 21,587
Pickens County: 19,918
Gilmer County: 19,724
Fannin County: 19,273
Habersham County: 19,250
Lee County: 17,035
Thomas County: 16,591
Union County: 16,462
Dawson County: 15,950
Lumpkin County: 15,087
White County: 14,558
Unknown: 13,857
Laurens County: 13,746
Murray County: 13,692
Baldwin County: 13,536
Polk County: 13,478
Monroe County: 13,362
Jones County: 12,752
Colquitt County: 12,615
Haralson County: 12,164
Madison County: 12,068
Tift County: 11,986
Putnam County: 11,628
Peach County: 11,535
Butts County: 10,928
Wayne County: 10,693
Coffee County: 10,532
Ware County: 10,224
Hart County: 10,033
Greene County: 9,984
Morgan County: 9,372
Pike County: 9,149
Upson County: 9,134
Rabun County: 8,429
Towns County: 8,358
Meriwether County: 8,330
Stephens County: 8,008
Sumter County: 7,861
Decatur County: 7,815
Chattooga County: 7,802
Toombs County: 7,644
Franklin County: 7,620
McDuffie County: 7,617
Jasper County: 7,610
Grady County: 7,554
Long County: 7,539
Dade County: 7,436
Berrien County: 7,279
Tattnall County: 7,130
Burke County: 7,097
Lamar County: 7,020
Pierce County: 6,846
Banks County: 6,611
Worth County: 6,389
Oglethorpe County: 6,358
Cook County: 6,031
Crisp County: 6,001

Mortage Actions by City

Atlanta, Sandy Springs, Marietta – GA: 2,574,967
Unknown: 654,303
Atlanta, Sandy Springs, Roswell – GA: 552,599
Savannah – GA: 196,535
Augusta, Richmond County – GA, SC: 188,823
Columbus – GA, AL: 106,178
Macon – GA: 86,760
Gainesville – GA: 86,530
Athens, Clarke County – GA: 85,229
Warner Robins – GA: 79,798
Chattanooga – TN, GA: 70,685
Valdosta – GA: 59,504
Albany – GA: 56,130
Brunswick – GA: 52,964
Dalton – GA: 48,367
Rome – GA: 35,955
Hinesville, Fort Stewart – GA: 31,206
Hinesville – GA: 7,318

Mortage Denial Reasons

Unknown: 4,316,314
Credit history: 187,314
Collateral: 153,549
Debt-to-income ratio: 122,836
Other: 74,647
Credit application incomplete: 69,011
Unverifiable information: 25,753
Insufficient cash (downpayment, closing costs): 15,336
Employment history: 7,975
Mortgage insurance denied: 1,116

HOEPA Status of Mortage Loans

Not a HOEPA loan: 4,973,162
HOEPA loan: 689

Lien Status of Mortage Loans

Secured by a first lien: 3,704,782
Not applicable: 958,203
Secured by a subordinate lien: 196,195
Not secured by a lien: 114,671

Owner Occupancy Status of Mortage Loans

Owner-occupied as a principal dwelling: 4,419,915
Not owner-occupied as a principal dwelling: 538,717
Not applicable: 15,219

Mortgages by Property Type

One-to-four family dwelling (other than manufactured housing): 4,828,614
Manufactured housing: 138,635
Multifamily dwelling: 6,602

Mortgages by Purchaser Type

Loan was not originated or was not sold in calendar year covered by register: 2,648,973
Fannie Mae (FNMA): 600,154
Ginnie Mae (GNMA): 499,399
Freddie Mac (FHLMC): 384,649
Commercial bank, savings bank or savings association: 228,927
Affiliate institution: 206,484
Other type of purchaser: 198,604
Life insurance company, credit union, mortgage bank, or finance company: 170,963
Private securitization: 35,649
Farmer Mac (FAMC): 49