Mortgage lending in Habersham County, Georgia
Lenders in Habersham County, Georgia reported 2,024 mortgage applications for 2025, according to the CFPB.
2,024 mortgage applications and 1,136 loans originated in 2025; the denial rate was 22.3% of 1,552 applications decided. The median loan was about $235,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Habersham County, GA.
- 2,024
- Applications
- 1,136
- Loans originated
- 22.3%
- Denial rate
- 346 denied of 1,552 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 2,024 | 1,136 |
| 2024 | 1,773 | 1,019 |
| 2023 | 1,585 | 886 |
| 2022 | 2,005 | 1,164 |
| 2021 | 2,837 | 1,802 |
| 2020 | 2,537 | 1,580 |
| 2019 | 1,694 | 1,025 |
| 2018 | 1,516 | 921 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Rocket Mortgage | 88 | 127 |
| United Community Bank | 83 | 131 |
| United Wholesale Mortgage | 77 | 111 |
| Southstate Bank, National Association | 62 | 95 |
| American Pacific Mortgage Corporation | 54 | 66 |
| Homeowners Financial Group, LLC | 43 | 60 |
| Pinnacle Bank | 38 | 63 |
| Premier Mortgage Resources, LLC | 31 | 44 |
| Fairway Independent Mort Corp | 30 | 45 |
| Pennymac Loan Services LLC | 25 | 51 |
| Renasant Bank | 24 | 24 |
| Regions Bank | 23 | 53 |
| 21ST Mortgage | 21 | 67 |
| Guild Mortgage Company | 19 | 26 |
| Mortgage Research Center | 19 | 41 |
| Sente Mortgage, Inc. | 16 | 30 |
| Newrez LLC | 13 | 31 |
| Freedom Mortgage Corporation | 12 | 34 |
| Georgia United Credit Union | 12 | 30 |
| MyGeorgia Credit Union | 11 | 18 |
| New American Funding, LLC. | 11 | 24 |
| Peach State Federal Credit Union | 10 | 15 |
| Union Home Mortgage Corp. | 10 | 14 |
| Everett Financial, Inc. | 10 | 17 |
| Amerisave Mortgage Company | 10 | 30 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | under 10 | |
| Asian | 44 | no rate: base under 50 |
| Black or African American | 27 | no rate: base under 50 |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 1,572 | 21.2% of 1,216 decided |
| 2 or more minority races | under 10 | |
| Joint | 30 | no rate: base under 50 |
| Race Not Available | 341 | 25.1% of 251 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 215 | 29.6% of 169 decided |
| Not Hispanic or Latino | 1,456 | 20.9% of 1,117 decided |
| Joint | withheld | |
| Ethnicity Not Available | 318 | 25.3% of 237 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 702 | 25.1% of 525 decided |
| Female | 399 | 27.1% of 314 decided |
| Joint | 744 | 17.9% of 574 decided |
| Sex Not Available | 179 | 18.7% of 139 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. 670 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