Mortgage lending in Madison County, Georgia
Lenders in Madison County, Georgia reported 1,319 mortgage applications for 2025, according to the CFPB.
1,319 mortgage applications and 714 loans originated in 2025; the denial rate was 27.7% of 1,041 applications decided. The median loan was about $205,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Athens-Clarke County, GA MSA.
- 1,319
- Applications
- 714
- Loans originated
- 27.7%
- Denial rate
- 288 denied of 1,041 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 1,319 | 714 |
| 2024 | 1,124 | 620 |
| 2023 | 1,122 | 603 |
| 2022 | 1,392 | 731 |
| 2021 | 1,961 | 1,227 |
| 2020 | 1,651 | 995 |
| 2019 | 1,220 | 717 |
| 2018 | 1,055 | 590 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Rocket Mortgage | 66 | 90 |
| United Wholesale Mortgage | 62 | 86 |
| Magnolia Bank | 53 | 54 |
| First Ciitizens Bank and Trust | 30 | 45 |
| United Community Bank | 27 | 37 |
| American Pacific Mortgage Corporation | 18 | 24 |
| Crosscountry Mortgage, LLC | 18 | 30 |
| 21ST Mortgage | 17 | 82 |
| Pennymac Loan Services LLC | 16 | 30 |
| Fairway Independent Mort Corp | 15 | 17 |
| Georgia United Credit Union | 15 | 24 |
| The Commercial Bank | 14 | 16 |
| Regions Bank | 14 | 28 |
| loanDepot.com LLC | 11 | 16 |
| Robins Financial Credit Union | 11 | 23 |
| BankSouth Mortgage Company LLC | 11 | 11 |
| City National Bank of Florida | 11 | 16 |
| Pinnacle Bank | 9 | 16 |
| Navy Federal Credit Union | 9 | 19 |
| Mortgage Research Center | 9 | 20 |
| Freedom Mortgage Corporation | 9 | 27 |
| Colony Bank | 8 | 11 |
| New American Funding, LLC. | 8 | 17 |
| BankSouth | 8 | 8 |
| Oconee State Bank | 7 | 10 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | under 10 | |
| Asian | 21 | no rate: base under 50 |
| Black or African American | 79 | 38.7% of 62 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 1,000 | 25.6% of 797 decided |
| 2 or more minority races | under 10 | |
| Joint | 21 | no rate: base under 50 |
| Race Not Available | 192 | 33.3% of 144 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 90 | 31.5% of 73 decided |
| Not Hispanic or Latino | 1,033 | 26.7% of 829 decided |
| Joint | 17 | no rate: base under 50 |
| Ethnicity Not Available | 179 | 30.6% of 124 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 461 | 26.6% of 368 decided |
| Female | 290 | 35.8% of 232 decided |
| Joint | 478 | 22.6% of 376 decided |
| Sex Not Available | 90 | 33.9% of 65 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. 984 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