Mortgage lending in Heard County, Georgia
Lenders in Heard County, Georgia reported 537 mortgage applications for 2025, according to the CFPB.
537 mortgage applications and 268 loans originated in 2025; the denial rate was 26.8% of 385 applications decided. The median loan was about $225,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Atlanta-Sandy Springs-Roswell, GA HUD Metro FMR Area.
- 537
- Applications
- 268
- Loans originated
- 26.8%
- Denial rate
- 103 denied of 385 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 537 | 268 |
| 2024 | 412 | 205 |
| 2023 | 421 | 181 |
| 2022 | 533 | 278 |
| 2021 | 542 | 274 |
| 2020 | 536 | 282 |
| 2019 | 420 | 204 |
| 2018 | 339 | 158 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Rocket Mortgage | 28 | 34 |
| United Wholesale Mortgage | 21 | 27 |
| Magnolia Bank | 12 | 15 |
| 21ST Mortgage | 8 | 24 |
| United Community Bank | 8 | 10 |
| Guild Mortgage Company | 7 | 13 |
| Bank Ozk | 7 | 21 |
| Colony Bank | 6 | 8 |
| Crosscountry Mortgage, LLC | 6 | 12 |
| Amerisave Mortgage Company | 6 | 10 |
| Das Acquisition Company, LLC | 6 | 6 |
| Navy Federal Credit Union | 5 | 12 |
| Primary Residential Mortgage, INC. | 5 | 7 |
| Ameris Bank | 5 | 6 |
| New American Funding, LLC. | 4 | 10 |
| CMG Mortgage Inc | 4 | 4 |
| Calcon Mutual Mortgage LLC | 4 | 8 |
| United Bank | 4 | 6 |
| Synovus Bank | 4 | 5 |
| Pennymac Loan Services LLC | 4 | 9 |
| Paramount Residential Mortgage | 3 | 5 |
| Vanderbilt Mortgage and Finance, Inc | 3 | 45 |
| Ark-LA-Tex Financial Services LLC | 3 | 3 |
| Zillow Home Loans, LLC | 3 | 4 |
| Newrez LLC | 3 | 9 |
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 | 22 | no rate: base under 50 |
| White | 432 | 26.4% of 315 decided |
| 2 or more minority races | under 10 | |
| Joint | 10 | no rate: base under 50 |
| Race Not Available | 68 | 28.0% of 50 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | withheld | |
| Not Hispanic or Latino | 436 | 25.5% of 314 decided |
| Joint | under 10 | |
| Ethnicity Not Available | 80 | 29.6% of 54 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 202 | 24.7% of 146 decided |
| Female | 119 | 34.9% of 83 decided |
| Joint | 179 | 26.6% of 128 decided |
| Sex Not Available | 37 | no rate: base under 50 |
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. 748 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