Mortgage lending in Spalding County, Georgia
Lenders in Spalding County, Georgia reported 3,036 mortgage applications for 2025, according to the CFPB.
3,036 mortgage applications and 1,602 loans originated in 2025; the denial rate was 23.1% of 2,224 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: Atlanta-Sandy Springs-Roswell, GA HUD Metro FMR Area.
- 3,036
- Applications
- 1,602
- Loans originated
- 23.1%
- Denial rate
- 514 denied of 2,224 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 3,036 | 1,602 |
| 2024 | 3,055 | 1,673 |
| 2023 | 2,811 | 1,461 |
| 2022 | 3,511 | 1,865 |
| 2021 | 4,545 | 2,656 |
| 2020 | 3,637 | 2,179 |
| 2019 | 2,924 | 1,676 |
| 2018 | 2,439 | 1,377 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Rocket Mortgage | 141 | 208 |
| United Wholesale Mortgage | 116 | 158 |
| United Bank | 110 | 156 |
| Pulte Mortgage LLC | 88 | 119 |
| New American Funding, LLC. | 63 | 120 |
| Guild Mortgage Company | 42 | 53 |
| Mortgage Research Center | 35 | 84 |
| Fairway Independent Mort Corp | 34 | 40 |
| Ameris Bank | 33 | 52 |
| Pennymac Loan Services LLC | 32 | 62 |
| Trailblazer Mortgage L.L.C. | 30 | 55 |
| Freedom Mortgage Corporation | 28 | 78 |
| Delta Community Credit Union | 28 | 54 |
| Top Flite Financial, Inc. | 26 | 35 |
| First National Bank of Griffin | 25 | 28 |
| Southeast Mortgage of Georgia, Inc. | 25 | 32 |
| Everett Financial, Inc. | 25 | 38 |
| Navy Federal Credit Union | 24 | 81 |
| loanDepot.com LLC | 23 | 44 |
| Lower, LLC | 23 | 31 |
| Nationstar Mortgage | 22 | 30 |
| Crosscountry Mortgage, LLC | 19 | 35 |
| Kind Lending, LLC | 18 | 23 |
| Truist Bank | 16 | 33 |
| Bank of America NA | 15 | 30 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 19 | no rate: base under 50 |
| Asian | 53 | no rate: base under 50 |
| Black or African American | 758 | 28.4% of 539 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 1,496 | 17.8% of 1,170 decided |
| 2 or more minority races | withheld | |
| Joint | 37 | no rate: base under 50 |
| Race Not Available | 659 | 30.7% of 430 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 176 | 26.7% of 131 decided |
| Not Hispanic or Latino | 2,172 | 21.2% of 1,649 decided |
| Joint | withheld | |
| Ethnicity Not Available | 650 | 29.0% of 417 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 1,065 | 22.1% of 791 decided |
| Female | 836 | 26.2% of 623 decided |
| Joint | 729 | 18.8% of 565 decided |
| Sex Not Available | 406 | 28.6% of 245 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. 986 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