Mortgage lending in Jefferson County, Georgia
Lenders in Jefferson County, Georgia reported 386 mortgage applications for 2025, according to the CFPB.
386 mortgage applications and 182 loans originated in 2025; the denial rate was 37.2% of 304 applications decided. The median loan was about $145,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Jefferson County, GA.
- 386
- Applications
- 182
- Loans originated
- 37.2%
- Denial rate
- 113 denied of 304 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 386 | 182 |
| 2024 | 359 | 172 |
| 2023 | 335 | 139 |
| 2022 | 393 | 200 |
| 2021 | 485 | 226 |
| 2020 | 391 | 160 |
| 2019 | 311 | 133 |
| 2018 | 277 | 129 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| First State Bank | 31 | 31 |
| Rocket Mortgage | 13 | 23 |
| Regions Bank | 11 | 29 |
| Queensborough National Bank and Trust | 10 | 12 |
| Guild Mortgage Company | 10 | 15 |
| 21ST Mortgage | 9 | 42 |
| United Wholesale Mortgage | 8 | 10 |
| Vanderbilt Mortgage and Finance, Inc | 7 | 44 |
| SRP Federal Credit Union | 7 | 9 |
| New American Funding, LLC. | 6 | 16 |
| Pinnacle Bank | 5 | 5 |
| First National Bank of Waynesboro | 3 | 3 |
| Planet Home Lending, LLC | 3 | 4 |
| American Financial Resources LLC | 3 | 5 |
| Mortgage Research Center | 3 | 9 |
| Freedom Mortgage Corporation | 3 | 6 |
| Southstate Bank, National Association | 3 | 4 |
| Ameris Bank | 3 | 4 |
| Pentagon Federal Credit Union | 2 | 3 |
| New Day Financial, LLC. | 2 | 3 |
| Royal United Mortgage LLC | 2 | 4 |
| Mortgage Investors Group | 2 | 2 |
| First Choice Mortgage, Inc. | 2 | 2 |
| Citizens Bank, NA | 2 | 4 |
| Acu | 1 | 1 |
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 | 129 | 63.9% of 97 decided |
| White | 199 | 21.9% of 160 decided |
| 2 or more minority races | under 10 | |
| Joint | 10 | no rate: base under 50 |
| Race Not Available | 45 | no rate: base under 50 |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | under 10 | |
| Not Hispanic or Latino | 316 | 37.1% of 248 decided |
| Joint | withheld | |
| Ethnicity Not Available | 54 | no rate: base under 50 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 120 | 27.4% of 95 decided |
| Female | 123 | 56.4% of 94 decided |
| Joint | 116 | 29.5% of 95 decided |
| Sex Not Available | 27 | 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. 1930 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