2025 · Georgia
In 2025, 19,636 investment-property loans worth $5.1B were originated on single-family 1-4 unit homes in Georgia. Here's how those terms compared to the rest of the country.
Investor rate premium
88 bps
U.S. median: 76 bps
Denial rate
18.3%
U.S. median: 17.5%
DSCR / business-purpose
68%
U.S. median: 72%
Median LTV
75%
U.S. median: 74%
Since 2024 in Georgia
Rate premium
100 bps → 88 bps
-12 bpsInvestor loans
18,563 → 19,636
+5.8%Denial rate
18.3% → 18.3%
+0.0 ptsDSCR / business-purpose
62% → 68%
+5.5 ptsInvestors in Georgia borrowed at a median rate of 7.25%, versus 6.375% for owner-occupants — a 88 bps premium that ranks 10th of 51 states.
Their applications were denied 18.3% of the time. The leading reasons for denial were collateral, debt-to-income ratio, other.
68% of investor loans were business- or commercial-purpose — the category that includes DSCR and LLC-held loans — and 19% were cash-out refinances. The typical loan-to-value was 75%, implying about 25% down.
In 2025, the median investment-property loan in Georgia carried a rate of 7.25% versus 6.375% for an owner-occupant — a premium of 88 bps. That ranks 10th of 51 states (1 = highest premium).
18.3% of investment-property applications were denied in Georgia in 2025, the 19th-highest denial rate among the 51 states. The most common denial reasons were collateral, debt-to-income ratio, other.
68% of investor loans in Georgia were flagged as primarily business or commercial purpose — the bucket that includes DSCR and LLC-held loans (34th of 51). The median loan-to-value was 75%.
Source: CFPB / FFIEC HMDA combined Modified LAR (loan-level public dataset, early release), 2025. Single-family 1-4 unit, site-built loans; financed purchases only.