Mortgage lending in Elbert County, Georgia
Lenders in Elbert County, Georgia reported 662 mortgage applications for 2025, according to the CFPB.
662 mortgage applications and 318 loans originated in 2025; the denial rate was 32.0% of 513 applications decided. The median loan was about $155,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Elbert County, GA.
- 662
- Applications
- 318
- Loans originated
- 32.0%
- Denial rate
- 164 denied of 513 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 662 | 318 |
| 2024 | 604 | 277 |
| 2023 | 500 | 247 |
| 2022 | 630 | 286 |
| 2021 | 757 | 385 |
| 2020 | 597 | 310 |
| 2019 | 418 | 197 |
| 2018 | 411 | 202 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Pinnacle Bank | 44 | 58 |
| Magnolia Bank | 26 | 31 |
| Rocket Mortgage | 24 | 34 |
| Kiavi Funding, Inc. | 19 | 27 |
| Regions Bank | 13 | 37 |
| United Wholesale Mortgage | 11 | 20 |
| American Pacific Mortgage Corporation | 11 | 16 |
| City National Bank of Florida | 8 | 12 |
| Vanderbilt Mortgage and Finance, Inc | 7 | 32 |
| 21ST Mortgage | 7 | 54 |
| Everett Financial, Inc. | 6 | 6 |
| Oconee State Bank | 5 | 7 |
| Georgia United Credit Union | 5 | 7 |
| The Commercial Bank | 5 | 6 |
| Figure Lending LLC | 4 | 10 |
| Geneva Financial LLC | 4 | 4 |
| Mortgage Research Center | 4 | 11 |
| Fairway Independent Mort Corp | 4 | 6 |
| Crosscountry Mortgage, LLC | 4 | 10 |
| First Ciitizens Bank and Trust | 4 | 6 |
| loanDepot.com LLC | 3 | 5 |
| Triad Financial Services, Inc. | 3 | 6 |
| Success Mortgage Partners, Inc | 3 | 3 |
| BankSouth Mortgage Company LLC | 3 | 3 |
| Truist Bank | 3 | 3 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | under 10 | |
| Asian | under 10 | |
| Black or African American | 104 | 54.7% of 75 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 399 | 24.5% of 322 decided |
| 2 or more minority races | under 10 | |
| Joint | 12 | no rate: base under 50 |
| Race Not Available | 133 | 37.9% of 95 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 24 | no rate: base under 50 |
| Not Hispanic or Latino | 479 | 30.1% of 372 decided |
| Joint | withheld | |
| Ethnicity Not Available | 146 | 38.5% of 109 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 221 | 32.4% of 170 decided |
| Female | 158 | 35.7% of 126 decided |
| Joint | 191 | 25.3% of 150 decided |
| Sex Not Available | 92 | 38.8% of 67 decided |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 1717 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved