Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Whitfield County, Georgia
Every institution that decided a 1–4 unit mortgage application in Whitfield County between 2023 and 2025: 6,114 applications, 4,281 loans actually funded, across 8 kinds of borrowing.
Whitfield County at a glance
6,114Applications decided
2023–2025
4,281Loans funded
70% of decisions
22Census tracts
5 ZIP codes
103,118People
ACS 2023
What the data shows
Lenders approved 80.1% of home-purchase applications in Whitfield County, 7.0 points below the Georgia rate.
The typical purchase mortgage here is $225K.
Lending by loan type in Whitfield County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 80.1% | 3,224 | $225K | 95% | 207 |
| Home improvement loans | 51.1% | 808 | $55K | 91% | 52 |
| Cash-out refinance | 68.0% | 956 | $145K | 94% | 119 |
| Refinance | 75.4% | 660 | $215K | 93% | 98 |
| Investment property purchase | 87.3% | 275 | $175K | 94% | 81 |
| Investment cash-out refinance | 82.7% | 75 | $185K | 97% | 31 |
| Investment refinance | 88.2% | 76 | $135K | 96% | 21 |
| Investment home improvement | 47.5% | 40 | $135K | 100% | 20 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.