Mortgage Approval and Denial Rates in Georgia (2025 HMDA)
Mortgage denial rates in Georgia: lenders acted on 446,240 mortgage applications in Georgia in 2025 and denied 19.1% of them, down from 20.9% in 2024. The national denial rate was 17.7%.
Applications acted on
446,240
Loans originated
241,754
Denial rate
19.1%
Median loan
$235,000
Georgia against the national picture
Most-reported denial reason in Georgia: Debt-to-income ratio.
Counties ranked by denial rate
| County | Applications | Denial rate | Median loan |
|---|---|---|---|
| Randolph County | 137 | 39.4% | $105,000 |
| Telfair County | 195 | 37.9% | $115,000 |
| Mitchell County | 459 | 37.5% | $125,000 |
| Twiggs County | 233 | 36.9% | $155,000 |
| Wilcox County | 168 | 36.3% | $115,000 |
| Atkinson County | 154 | 35.7% | $125,000 |
| Quitman County | 116 | 35.3% | $115,000 |
| Warren County | 137 | 34.3% | $115,000 |
| Washington County | 406 | 32.3% | $135,000 |
| Irwin County | 223 | 31.8% | $135,000 |
| Treutlen County | 121 | 31.4% | $135,000 |
| Jenkins County | 220 | 30.9% | $135,000 |
| Macon County | 212 | 30.7% | $125,000 |
| Stewart County | 101 | 30.7% | $125,000 |
| Turner County | 200 | 30.5% | $125,000 |
| Dooly County | 198 | 30.3% | $145,000 |
| Appling County | 506 | 29.8% | $145,000 |
| Jefferson County | 385 | 29.1% | $135,000 |
| Grady County | 655 | 29.0% | $145,000 |
| Toombs County | 549 | 29.0% | $155,000 |
| Screven County | 412 | 28.9% | $145,000 |
| Emanuel County | 469 | 28.8% | $135,000 |
| Coffee County | 886 | 28.7% | $135,000 |
| Cook County | 635 | 28.7% | $135,000 |
| Dodge County | 472 | 28.4% | $135,000 |
| Taylor County | 215 | 27.9% | $125,000 |
| Bacon County | 202 | 27.2% | $135,000 |
| Berrien County | 694 | 27.1% | $150,000 |
| Ben Hill County | 381 | 26.8% | $125,000 |
| Talbot County | 179 | 26.8% | $155,000 |
| Brooks County | 417 | 26.4% | $135,000 |
| Chattooga County | 833 | 26.2% | $145,000 |
| Johnson County | 187 | 26.2% | $125,000 |
| Burke County | 681 | 26.1% | $165,000 |
| Clinch County | 184 | 26.1% | $100,000 |
| Worth County | 586 | 25.8% | $125,000 |
| Hancock County | 248 | 25.8% | $175,000 |
| Charlton County | 412 | 25.5% | $165,000 |
| Clayton County | 10,474 | 25.4% | $195,000 |
| Colquitt County | 1,092 | 25.4% | $145,000 |
| Ware County | 1,136 | 25.3% | $135,000 |
| Rockdale County | 5,221 | 25.2% | $245,000 |
| Candler County | 293 | 24.9% | $145,000 |
| Decatur County | 789 | 24.8% | $155,000 |
| Elbert County | 662 | 24.8% | $145,000 |
| Laurens County | 1,538 | 24.7% | $165,000 |
| Sumter County | 558 | 24.7% | $135,000 |
| Pulaski County | 383 | 24.3% | $155,000 |
| Wilkinson County | 244 | 24.2% | $125,000 |
| Jones County | 1,136 | 23.6% | $155,000 |
| Thomas County | 1,428 | 23.4% | $165,000 |
| Douglas County | 7,058 | 23.2% | $245,000 |
| Tift County | 1,088 | 23.0% | $155,000 |
| Murray County | 1,405 | 22.9% | $165,000 |
| Brantley County | 604 | 22.7% | $155,000 |
| Crisp County | 430 | 22.6% | $145,000 |
| Jeff Davis County | 340 | 22.6% | $135,000 |
| Henry County | 13,727 | 22.5% | $265,000 |
| Dougherty County | 2,123 | 22.5% | $125,000 |
| Early County | 278 | 21.9% | $105,000 |
| Schley County | 178 | 21.9% | $145,000 |
| Madison County | 1,319 | 21.8% | $185,000 |
| McDuffie County | 687 | 21.8% | $165,000 |
| Newton County | 5,734 | 21.7% | $235,000 |
| Wayne County | 1,150 | 21.7% | $175,000 |
| Montgomery County | 166 | 21.7% | $155,000 |
| Whitfield County | 3,247 | 21.5% | $175,000 |
| Bleckley County | 370 | 21.4% | $145,000 |
| Franklin County | 952 | 21.3% | $195,000 |
| Banks County | 927 | 21.3% | $225,000 |
| Evans County | 286 | 21.3% | $150,000 |
| Terrell County | 239 | 21.3% | $105,000 |
| Crawford County | 405 | 21.2% | $155,000 |
| Wilkes County | 259 | 21.2% | $145,000 |
| Marion County | 271 | 21.0% | $145,000 |
| Tattnall County | 725 | 20.7% | $145,000 |
| Fayette County | 5,878 | 20.6% | $295,000 |
| DeKalb County | 28,239 | 20.5% | $235,000 |
| Gwinnett County | 36,878 | 20.4% | $285,000 |
| Stephens County | 1,221 | 20.4% | $185,000 |
| Towns County | 743 | 20.3% | $225,000 |
| Baldwin County | 1,085 | 20.1% | $185,000 |
| Haralson County | 1,487 | 20.0% | $205,000 |
| Hart County | 1,063 | 20.0% | $195,000 |
| Fulton County | 43,460 | 19.7% | $275,000 |
| Walker County | 3,151 | 19.7% | $175,000 |
| Polk County | 1,597 | 19.7% | $185,000 |
| Peach County | 1,104 | 19.7% | $185,000 |
| Richmond County | 7,127 | 19.6% | $155,000 |
| Seminole County | 252 | 19.4% | $115,000 |
| Bibb County | 5,406 | 19.3% | $145,000 |
| Heard County | 536 | 19.2% | $205,000 |
| Meriwether County | 867 | 19.1% | $185,000 |
| Gordon County | 2,584 | 19.0% | $205,000 |
| Miller County | 184 | 19.0% | $115,000 |
| Oglethorpe County | 677 | 18.9% | $195,000 |
| Lumpkin County | 1,619 | 18.6% | $255,000 |
| Floyd County | 3,671 | 18.5% | $185,000 |
| Lanier County | 515 | 18.4% | $165,000 |
| Butts County | 1,132 | 18.2% | $205,000 |
| Carroll County | 5,359 | 18.1% | $225,000 |
| Catoosa County | 3,251 | 18.1% | $195,000 |
| Putnam County | 1,141 | 18.1% | $255,000 |
| White County | 1,491 | 17.9% | $245,000 |
| Lamar County | 957 | 17.9% | $215,000 |
| Rabun County | 728 | 17.9% | $255,000 |
| Bulloch County | 2,546 | 17.7% | $215,000 |
| Monroe County | 1,336 | 17.7% | $225,000 |
| Chatham County | 13,033 | 17.6% | $255,000 |
| Walton County | 4,895 | 17.6% | $265,000 |
| Lincoln County | 313 | 17.6% | $205,000 |
| Paulding County | 9,452 | 17.5% | $265,000 |
| Hall County | 8,368 | 17.5% | $275,000 |
| Troup County | 2,782 | 17.5% | $185,000 |
| Gilmer County | 1,945 | 17.5% | $265,000 |
| Union County | 1,385 | 17.5% | $215,000 |
| Lowndes County | 4,762 | 17.4% | $195,000 |
| Pickens County | 2,099 | 17.4% | $255,000 |
| Pierce County | 808 | 17.3% | $155,000 |
| Cobb County | 30,886 | 17.1% | $275,000 |
| Habersham County | 2,023 | 17.1% | $225,000 |
| Effingham County | 3,795 | 17.0% | $255,000 |
| Spalding County | 3,030 | 17.0% | $195,000 |
| Harris County | 1,774 | 17.0% | $245,000 |
| Barrow County | 5,120 | 16.9% | $275,000 |
| Liberty County | 3,878 | 16.9% | $235,000 |
| Upson County | 888 | 16.6% | $165,000 |
| Fannin County | 1,754 | 16.5% | $305,000 |
| Pike County | 961 | 16.5% | $215,000 |
| Clarke County | 3,113 | 16.4% | $225,000 |
| Muscogee County | 6,686 | 16.3% | $165,000 |
| Coweta County | 7,233 | 16.2% | $255,000 |
| Glynn County | 3,490 | 16.2% | $245,000 |
| Morgan County | 914 | 16.2% | $275,000 |
| Jasper County | 870 | 16.1% | $235,000 |
| McIntosh County | 640 | 15.9% | $205,000 |
| Bartow County | 5,412 | 15.7% | $245,000 |
| Forsyth County | 13,713 | 15.6% | $375,000 |
| Cherokee County | 14,045 | 15.4% | $295,000 |
| Dade County | 676 | 15.4% | $175,000 |
| Houston County | 7,989 | 15.1% | $215,000 |
| Camden County | 3,314 | 15.1% | $255,000 |
| Jackson County | 5,242 | 14.8% | $305,000 |
| Lee County | 1,466 | 14.7% | $185,000 |
| Greene County | 1,051 | 14.6% | $365,000 |
| Columbia County | 7,726 | 14.2% | $255,000 |
| Bryan County | 2,983 | 13.8% | $305,000 |
| Dawson County | 2,090 | 13.5% | $335,000 |
| Oconee County | 1,699 | 13.3% | $325,000 |
| Long County | 1,624 | 12.9% | $275,000 |
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Reading these numbers
The denial rate counts applications the lender acted on, so withdrawn files do not inflate it. A high rate does not automatically mean strict lenders: counties with many first-time or lower-income applicants tend to show higher denial rates because of debt-to-income and credit-history thresholds, which are the two reasons lenders report most often. Median loan amount and median applicant income are computed from the same application records, so they describe who is applying — not who ends up buying.
Source: Consumer Financial Protection Bureau, HMDA Data Browser (2025 loan application register). Latest observation 2026-08-23.