Texas vs Georgia: mortgage lending
In 2023, Georgia had the lower mortgage denial rate of the two — 22.4% versus 23.1% in Texas, a gap of about 0.7 points. Texas originated about 421,653 loans and Georgia about 172,815. By loan type, Texas was 72.2% conventional / 18.4% FHA / 9.0% VA, versus 70.7% / 18.7% / 10.0% in Georgia. Informational data, not lending advice.
Source: HMDA Data Browser (FFIEC / CFPB). Data as of June 2026.
Texas vs Georgia side by side
| Indicator | Texas | Georgia |
|---|---|---|
| Total originations | 421,653 | 172,815 |
| Denial rate | 23.1% | 22.4% |
| Home-purchase denial rate | 19.9% | 17.0% |
| Refinance denial rate | 36.7% | 34.6% |
| Conventional share | 72.2% | 70.7% |
| FHA share | 18.4% | 18.7% |
| VA share | 9.0% | 10.0% |
Verdict
On denial rate alone, an application looks more likely to be approved in Georgia than Texas by roughly 0.7 points — but that mostly reflects who applies and for what kind of loan, not a promise about your file. Read each state's full profile for context: Texas and Georgia. To estimate a payment in either, use the mortgage calculator.
Frequently asked questions
Is it harder to get a mortgage in Texas or Georgia?
By denial rate, Texas turned down a higher share of applications in 2023: 23.1% versus 22.4% in Georgia, a gap of about 0.7 points. Denial rate reflects the applicant pool and loan mix as much as lender strictness, so it is a signal, not a guarantee about your own application.
Which state originates more mortgages, Texas or Georgia?
Texas originated more — about 421,653 home-purchase and refinance loans versus 172,815 in Georgia (HMDA 2023). Volume mostly tracks population and home values.
How do the loan-type mixes compare?
In Texas, conventional loans were 72.2%, FHA 18.4% and VA 9.0% of originations; in Georgia they were 70.7%, 18.7% and 10.0%. A higher FHA/VA share usually means more first-time, lower-down-payment, or veteran buyers.
More comparisons
Last updated: 2026-06-20