Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Fayette County, Georgia
Every institution that decided a 1–4 unit mortgage application in Fayette County between 2023 and 2025: 11,130 applications, 7,876 loans actually funded, across 8 kinds of borrowing.
Fayette County at a glance
11,130Applications decided
2023–2025
7,876Loans funded
71% of decisions
24Census tracts
5 ZIP codes
120,689People
ACS 2023
What the data shows
Lenders approved 82.2% of home-purchase applications in Fayette County, 4.9 points below the Georgia rate.
The typical purchase mortgage here is $425K.
Lending by loan type in Fayette County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 82.2% | 5,166 | $425K | 97% | 352 |
| Home improvement loans | 57.3% | 1,823 | $95K | 95% | 100 |
| Cash-out refinance | 69.2% | 2,243 | $165K | 95% | 180 |
| Refinance | 73.4% | 1,194 | $385K | 91% | 158 |
| Investment property purchase | 83.4% | 427 | $275K | 97% | 142 |
| Investment cash-out refinance | 68.2% | 151 | $225K | 90% | 65 |
| Investment refinance | 71.0% | 69 | $245K | 92% | 41 |
| Investment home improvement | 42.1% | 57 | $115K | 88% | 24 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.