Georgia
Mortgage Loan Application
Totals and Details
in 2022

Find mortgage statistics and mortgage data for Georgia.
Our lists allow you to explore the total number of mortgage applications and mortgage application details for 2003-2022 in all of Georgia.
You can organize this information by metropolitan area and by county.

Years 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 598,970
Total Mortgage Loan Application Amount $164,600,895,000
Average Mortgage Loan Application Amount $274,000
Highest Mortgage Loan Application Amount $93,125,000
Average Applicant Income $119,000
Highest Applicant Income $9,530,000

Mortgage stats and application averages for each year are shown below, as well as highest application amount and the income of the highest applicant.
If you are looking for a mortgage or loan application data statistics in Georgia, these numbers will give you an idea of what to expect as you begin to look for a lender.

These lists can also be organized by various details about Mortgage Loan Applications for each year, with categories such as loan purpose, race of mortgage applicant, loan type, the outcome of the application, and reason for denial.

Each category breaks down the total number of mortgage applications, the total dollar amount for those applications, the average mortgage amount, and the highest mortgage within that category. You can also look at information regarding the average income of the mortgage applicants and the highest income of the mortgage applicants. If you're looking for a certain type of mortgage, these numbers will give you a better gauge of what to expect in various situations.

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Mortgage Loan Application Detail Totals for Georgia in 2022

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 296,852 $99,495,715,000 $335,000 $79,455,000 $124,000 $9,530,000
Cash-out Refinancing 146,038 $36,875,550,000 $252,000 $74,395,000 $96,000 $7,552,000
Refinancing 63,680 $17,232,470,000 $270,000 $93,125,000 $121,000 $7,917,000
Home Improvement 45,251 $5,000,645,000 $110,000 $38,505,000 $138,000 $9,120,000
Other Purpose 43,552 $5,570,900,000 $127,000 $57,205,000 $140,000 $9,074,000
Not Applicable 3,597 $425,615,000 $118,000 $23,905,000 $57,000 $436,000

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 238,732 $60,781,620,000 $254,000 $6,165,000 $128,000 $9,468,000
Black or African American 127,664 $30,262,990,000 $237,000 $27,775,000 $97,000 $9,120,000
Not Provided 98,382 $26,136,910,000 $265,000 $39,905,000 $120,000 $9,074,000
Not applicable 66,406 $27,441,125,000 $413,000 $93,125,000 $122,000 $2,657,000
Hispanic 32,001 $7,920,795,000 $247,000 $81,745,000 $99,000 $9,530,000
Asian 26,840 $9,379,800,000 $349,000 $6,005,000 $152,000 $8,445,000
American Indian or Alaskan Native 2,891 $624,185,000 $215,000 $1,745,000 $97,000 $3,599,000
Native Hawaiian or Other Pacific Islander 534 $126,990,000 $237,000 $1,505,000 $111,000 $2,880,000

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) 424,986 $117,535,180,000 $276,000 $93,125,000 $132,000 $9,530,000
FHA-insured (Federal Housing Administration) 100,475 $24,868,400,000 $247,000 $81,745,000 $77,000 $2,700,000
VA-guaranteed (Veterans Administration) 69,455 $21,382,815,000 $307,000 $2,005,000 $93,000 $1,416,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 4,054 $814,500,000 $200,000 $865,000 $64,000 $720,000

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 290,118 $87,083,630,000 $300,000 $93,125,000 $126,000 $9,468,000
Application Denied By Financial Institution 102,217 $19,669,270,000 $192,000 $69,135,000 $98,000 $8,225,000
Application Withdrawn By Applicant 89,592 $26,169,700,000 $292,000 $81,745,000 $120,000 $9,530,000
Loan Purchased By The Institution 66,120 $19,853,055,000 $300,000 $4,905,000 $131,000 $2,808,000
File Closed For Incompleteness 35,224 $7,859,955,000 $223,000 $5,175,000 $109,000 $9,120,000
Application Approved But Not Accepted 14,376 $3,535,680,000 $245,000 $15,205,000 $122,000 $8,445,000
Preapproval Approved but not Accepted 1,074 $351,040,000 $326,000 $2,805,000 $107,000 $1,138,000
Preapproval Denied by Financial Institution 249 $78,565,000 $315,000 $1,605,000 $95,000 $750,000

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 489,403 $143,108,915,000 $292,000 $93,125,000 $124,000 $9,530,000
Debt-To-Income Ratio 36,661 $7,750,555,000 $211,000 $22,275,000 $79,000 $7,438,000
Credit History 32,343 $4,930,110,000 $152,000 $4,005,000 $99,000 $7,116,000
Credit Application Incomplete 13,734 $2,918,790,000 $212,000 $14,605,000 $122,000 $7,200,000
Collateral 10,866 $2,241,760,000 $206,000 $3,005,000 $126,000 $6,896,000
Other 8,105 $1,733,475,000 $213,000 $69,135,000 $118,000 $7,786,000
Unverifiable Information 4,683 $1,057,845,000 $225,000 $4,015,000 $104,000 $8,225,000
Insufficient Cash (Downpayment, Closing Cost) 1,898 $552,860,000 $291,000 $3,505,000 $110,000 $2,400,000
Employment History 1,256 $301,430,000 $239,000 $1,885,000 $84,000 $1,806,000
Mortgage Insurance Denied 21 $5,155,000 $245,000 $385,000 $76,000 $145,000
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Mortgage Loan Application Totals in 2022 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 5,483 $ 971,465,000 $ 177,000 $ 89,000
ATHENS-CLARKE COUNTY, GA 8,742 $ 2,285,250,000 $ 261,000 $ 125,000
ATLANTA-SANDY SPRINGS-ROSWELL, GA 381,083 $ 114,897,895,000 $ 301,000 $ 128,000
AUGUSTA-RICHMOND COUNTY, GA-SC 21,459 $ 5,041,305,000 $ 234,000 $ 103,000
BRUNSWICK, GA 5,748 $ 1,672,300,000 $ 290,000 $ 142,000
COLUMBUS, GA-AL 11,177 $ 2,462,665,000 $ 220,000 $ 98,000
DALTON, GA 5,652 $ 1,057,795,000 $ 187,000 $ 77,000
GAINESVILLE, GA 11,751 $ 3,486,825,000 $ 296,000 $ 115,000
HINESVILLE, GA 6,218 $ 1,327,160,000 $ 213,000 $ 84,000
MACON-BIBB COUNTY, GA 9,994 $ 2,105,840,000 $ 210,000 $ 98,000
ROME, GA 4,314 $ 839,530,000 $ 194,000 $ 88,000
SAVANNAH, GA 24,379 $ 6,568,355,000 $ 269,000 $ 120,000
VALDOSTA, GA 6,882 $ 1,395,770,000 $ 202,000 $ 91,000
WARNER ROBINS, GA 11,542 $ 2,492,780,000 $ 215,000 $ 94,000
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Mortgage Loan Application Totals in 2022 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 592 $ 85,080,000 $ 143,000 $ 82,000
Atkinson 111 $ 15,555,000 $ 140,000 $ 69,000
Bacon 199 $ 28,795,000 $ 144,000 $ 73,000
Baker 88 $ 12,690,000 $ 144,000 $ 78,000
Baldwin 1,295 $ 293,455,000 $ 226,000 $ 109,000
Banks 980 $ 218,230,000 $ 222,000 $ 89,000
Barrow 6,924 $ 1,790,770,000 $ 258,000 $ 94,000
Bartow 6,748 $ 1,750,460,000 $ 259,000 $ 97,000
Ben Hill 463 $ 60,405,000 $ 130,000 $ 64,000
Berrien 739 $ 116,605,000 $ 157,000 $ 83,000
Bibb 6,214 $ 1,314,960,000 $ 211,000 $ 95,000
Bleckley 377 $ 56,225,000 $ 149,000 $ 81,000
Brantley 612 $ 91,160,000 $ 148,000 $ 78,000
Brooks 515 $ 78,905,000 $ 153,000 $ 76,000
Bryan 3,690 $ 1,084,760,000 $ 293,000 $ 122,000
Bulloch 2,936 $ 631,910,000 $ 215,000 $ 95,000
Burke 643 $ 117,815,000 $ 183,000 $ 82,000
Butts 1,631 $ 354,495,000 $ 217,000 $ 85,000
Calhoun 116 $ 12,130,000 $ 104,000 $ 73,000
Camden 3,830 $ 936,890,000 $ 244,000 $ 98,000
Candler 287 $ 43,275,000 $ 150,000 $ 74,000
Carroll 7,159 $ 1,569,925,000 $ 219,000 $ 92,000
Catoosa 4,039 $ 784,855,000 $ 194,000 $ 89,000
Charlton 466 $ 80,860,000 $ 173,000 $ 74,000
Chatham 16,000 $ 4,397,760,000 $ 274,000 $ 128,000
Chattahoochee 77 $ 10,945,000 $ 142,000 $ 72,000
Chattooga 910 $ 133,240,000 $ 146,000 $ 86,000
Cherokee 20,864 $ 6,326,925,000 $ 303,000 $ 134,000
Clarke 4,162 $ 1,049,070,000 $ 252,000 $ 118,000
Clay 151 $ 19,665,000 $ 130,000 $ 77,000
Clayton 14,167 $ 2,964,980,000 $ 209,000 $ 75,000
Clinch 180 $ 21,110,000 $ 117,000 $ 79,000
Cobb 44,837 $ 13,930,965,000 $ 310,000 $ 138,000
Coffee 942 $ 144,330,000 $ 153,000 $ 75,000
Colquitt 1,175 $ 191,855,000 $ 163,000 $ 88,000
Columbia 10,612 $ 2,880,850,000 $ 271,000 $ 117,000
Cook 570 $ 86,690,000 $ 152,000 $ 80,000
Coweta 10,082 $ 2,752,440,000 $ 273,000 $ 117,000
Crawford 439 $ 64,605,000 $ 147,000 $ 76,000
Crisp 658 $ 103,350,000 $ 157,000 $ 104,000
Dade 771 $ 150,825,000 $ 195,000 $ 98,000
Dawson 2,469 $ 763,135,000 $ 309,000 $ 131,000
Decatur 908 $ 154,340,000 $ 169,000 $ 83,000
DeKalb 39,476 $ 12,575,435,000 $ 318,000 $ 130,000
Dodge 440 $ 62,500,000 $ 142,000 $ 73,000
Dooly 242 $ 29,790,000 $ 123,000 $ 95,000
Dougherty 2,597 $ 438,875,000 $ 168,000 $ 87,000
Douglas 9,790 $ 2,419,670,000 $ 247,000 $ 97,000
Early 349 $ 49,475,000 $ 141,000 $ 73,000
Echols 77 $ 11,395,000 $ 147,000 $ 80,000
Effingham 4,689 $ 1,085,835,000 $ 231,000 $ 95,000
Elbert 715 $ 104,745,000 $ 146,000 $ 66,000
Emanuel 502 $ 69,310,000 $ 138,000 $ 71,000
Evans 308 $ 45,300,000 $ 147,000 $ 75,000
Fannin 2,401 $ 894,515,000 $ 372,000 $ 211,000
Fayette 8,746 $ 2,662,120,000 $ 304,000 $ 144,000
Floyd 4,314 $ 839,530,000 $ 194,000 $ 88,000
Forsyth 19,938 $ 7,346,230,000 $ 368,000 $ 159,000
Franklin 1,192 $ 252,740,000 $ 212,000 $ 85,000
Fulton 62,825 $ 23,466,155,000 $ 373,000 $ 177,000
Gilmer 2,633 $ 778,425,000 $ 295,000 $ 149,000
Glascock 67 $ 11,015,000 $ 164,000 $ 78,000
Glynn 4,455 $ 1,450,095,000 $ 325,000 $ 156,000
Gordon 3,133 $ 597,305,000 $ 190,000 $ 83,000
Grady 767 $ 137,685,000 $ 179,000 $ 81,000
Greene 1,243 $ 673,875,000 $ 542,000 $ 268,000
Gwinnett 54,773 $ 16,463,500,000 $ 300,000 $ 118,000
Habersham 2,342 $ 538,980,000 $ 230,000 $ 91,000
Hall 11,751 $ 3,486,825,000 $ 296,000 $ 115,000
Hancock 275 $ 60,475,000 $ 219,000 $ 129,000
Haralson 1,783 $ 365,495,000 $ 204,000 $ 87,000
Harris 2,335 $ 641,405,000 $ 274,000 $ 118,000
Hart 1,305 $ 289,695,000 $ 221,000 $ 104,000
Heard 596 $ 111,490,000 $ 187,000 $ 80,000
Henry 19,852 $ 5,313,435,000 $ 267,000 $ 99,000
Houston 10,192 $ 2,249,670,000 $ 220,000 $ 95,000
Irwin 220 $ 30,070,000 $ 136,000 $ 75,000
Jackson 6,756 $ 1,875,710,000 $ 277,000 $ 112,000
Jasper 1,071 $ 258,555,000 $ 241,000 $ 99,000
Jeff Davis 319 $ 43,615,000 $ 136,000 $ 77,000
Jefferson 439 $ 63,685,000 $ 145,000 $ 77,000
Jenkins 212 $ 30,860,000 $ 145,000 $ 79,000
Johnson 176 $ 22,810,000 $ 129,000 $ 67,000
Jones 1,335 $ 238,395,000 $ 178,000 $ 88,000
Lamar 1,285 $ 258,545,000 $ 201,000 $ 86,000
Lanier 576 $ 99,170,000 $ 172,000 $ 74,000
Laurens 1,705 $ 292,585,000 $ 171,000 $ 86,000
Lee 1,817 $ 368,405,000 $ 202,000 $ 98,000
Liberty 4,475 $ 926,925,000 $ 207,000 $ 84,000
Lincoln 328 $ 71,400,000 $ 217,000 $ 101,000
Long 1,743 $ 400,235,000 $ 229,000 $ 85,000
Lowndes 5,714 $ 1,206,300,000 $ 211,000 $ 95,000
Lumpkin 1,912 $ 473,870,000 $ 247,000 $ 108,000
Macon 195 $ 26,805,000 $ 137,000 $ 77,000
Madison 1,585 $ 323,475,000 $ 204,000 $ 89,000
Marion 291 $ 45,755,000 $ 157,000 $ 74,000
McDuffie 884 $ 160,060,000 $ 181,000 $ 80,000
McIntosh 681 $ 131,045,000 $ 192,000 $ 112,000
Meriwether 1,043 $ 194,475,000 $ 186,000 $ 86,000
Miller 225 $ 31,205,000 $ 138,000 $ 83,000
Mitchell 565 $ 71,015,000 $ 125,000 $ 69,000
Monroe 1,773 $ 457,275,000 $ 257,000 $ 125,000
Montgomery 251 $ 41,735,000 $ 166,000 $ 78,000
Morgan 1,145 $ 319,515,000 $ 279,000 $ 121,000
Murray 1,648 $ 269,360,000 $ 163,000 $ 73,000
Muscogee 8,119 $ 1,712,105,000 $ 210,000 $ 94,000
Newton 7,998 $ 1,929,675,000 $ 241,000 $ 87,000
Oconee 2,241 $ 754,525,000 $ 336,000 $ 173,000
Oglethorpe 754 $ 158,180,000 $ 209,000 $ 89,000
Paulding 13,941 $ 3,576,935,000 $ 256,000 $ 100,000
Peach 1,350 $ 243,110,000 $ 180,000 $ 91,000
Pickens 2,722 $ 699,330,000 $ 256,000 $ 109,000
Pierce 773 $ 130,025,000 $ 168,000 $ 84,000
Pike 1,184 $ 287,730,000 $ 243,000 $ 103,000
Polk 2,037 $ 368,735,000 $ 181,000 $ 79,000
Pulaski 347 $ 53,875,000 $ 155,000 $ 78,000
Putnam 1,472 $ 465,320,000 $ 316,000 $ 166,000
Quitman 119 $ 15,745,000 $ 132,000 $ 119,000
Rabun 1,016 $ 320,340,000 $ 315,000 $ 186,000
Randolph 153 $ 21,065,000 $ 137,000 $ 66,000
Richmond 8,992 $ 1,811,180,000 $ 201,000 $ 89,000
Rockdale 6,673 $ 1,622,875,000 $ 243,000 $ 91,000
Schley 195 $ 31,615,000 $ 162,000 $ 102,000
Screven 418 $ 59,680,000 $ 142,000 $ 75,000
Seminole 318 $ 42,360,000 $ 133,000 $ 85,000
Spalding 3,982 $ 813,130,000 $ 204,000 $ 84,000
Stephens 1,218 $ 233,690,000 $ 191,000 $ 83,000
Stewart 137 $ 16,585,000 $ 121,000 $ 66,000
Sumter 761 $ 109,525,000 $ 143,000 $ 91,000
Talbot 218 $ 35,870,000 $ 164,000 $ 75,000
Taliaferro 44 $ 6,310,000 $ 143,000 $ 60,000
Tattnall 707 $ 101,185,000 $ 143,000 $ 76,000
Taylor 238 $ 32,330,000 $ 135,000 $ 82,000
Telfair 219 $ 31,615,000 $ 144,000 $ 77,000
Terrell 291 $ 44,445,000 $ 152,000 $ 79,000
Thomas 1,856 $ 392,990,000 $ 211,000 $ 95,000
Tift 1,282 $ 271,350,000 $ 211,000 $ 90,000
Toombs 745 $ 125,375,000 $ 168,000 $ 84,000
Towns 805 $ 196,545,000 $ 244,000 $ 121,000
Treutlen 145 $ 21,745,000 $ 149,000 $ 70,000
Troup 3,041 $ 607,365,000 $ 199,000 $ 90,000
Turner 242 $ 32,940,000 $ 136,000 $ 82,000
Twiggs 233 $ 30,605,000 $ 131,000 $ 74,000
Union 1,757 $ 424,415,000 $ 241,000 $ 113,000
Upson 1,229 $ 198,715,000 $ 161,000 $ 76,000
Walker 3,888 $ 675,280,000 $ 173,000 $ 83,000
Walton 7,379 $ 2,009,505,000 $ 272,000 $ 105,000
Ware 1,161 $ 171,265,000 $ 147,000 $ 72,000
Warren 131 $ 20,245,000 $ 154,000 $ 71,000
Washington 419 $ 62,435,000 $ 149,000 $ 75,000
Wayne 1,432 $ 246,950,000 $ 172,000 $ 81,000
Webster 96 $ 14,310,000 $ 149,000 $ 79,000
Wheeler 106 $ 14,700,000 $ 138,000 $ 74,000
White 1,786 $ 407,130,000 $ 227,000 $ 104,000
Whitfield 4,004 $ 788,435,000 $ 196,000 $ 78,000
Wilcox 197 $ 26,445,000 $ 134,000 $ 63,000
Wilkes 312 $ 50,470,000 $ 161,000 $ 84,000
Wilkinson 209 $ 29,715,000 $ 142,000 $ 73,000
Worth 778 $ 119,740,000 $ 153,000 $ 77,000

We hope these mortgage application details and statistics will give you a better idea of what to expect when applying for a mortgage.
Whether you are looking for a home loan, for home financing or refinancing, or for home improvement loan statistics, we have the information you need.
These mortgage application stats give you everything you need to know as you start your search for the best mortgage lender in Georgia.

If you prefer, you can download a copy of the entire list of mortgage lenders in Georgia and search similar information back through 2003.

Download the Georgia Lender List