Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Cherokee County, Georgia
Every institution that decided a 1–4 unit mortgage application in Cherokee County between 2023 and 2025: 27,171 applications, 21,512 loans actually funded, across 8 kinds of borrowing.
Cherokee County at a glance
27,171Applications decided
2023–2025
21,512Loans funded
79% of decisions
56Census tracts
7 ZIP codes
274,539People
ACS 2023
What the data shows
Lenders approved 91.7% of home-purchase applications in Cherokee County, 4.5 points above the Georgia rate.
The typical purchase mortgage here is $395K.
Lending by loan type in Cherokee County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 91.7% | 13,338 | $395K | 96% | 441 |
| Home improvement loans | 66.1% | 4,177 | $85K | 94% | 133 |
| Cash-out refinance | 75.5% | 4,759 | $205K | 95% | 258 |
| Refinance | 78.3% | 3,175 | $375K | 92% | 241 |
| Investment property purchase | 92.4% | 1,171 | $285K | 97% | 214 |
| Investment cash-out refinance | 77.0% | 257 | $235K | 92% | 101 |
| Investment refinance | 77.7% | 206 | $265K | 95% | 82 |
| Investment home improvement | 50.0% | 88 | $225K | 91% | 37 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.