Applications / Mortgage Analytics / Lenders / Georgia / Onward Home Mortgage
Roswell, GA · Non-bank or government lender · CFPB · 590 loans in 2025
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590
loans originated, 2025
988
applications, 2025
6
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Onward Home Mortgage, a Georgia lender to homebuyers that first reported in 2023, made 590 loans in 2025, up 15% and a little faster than similar lenders and the market.
Nearly nine in ten of its loans (89.2%) financed a purchase. Most were conventional, but 12.9% were insured by the Federal Housing Administration (FHA) and 4.2% guaranteed by the Department of Veterans Affairs (VA). The typical similar lender, a non-bank or government lender making between half and twice as many loans, made none of either. It leans on government-backed loans more than about three-quarters of its peers.
It reported 152 loans in its first year, 515 in 2024 and 590 in 2025. Its rise of 15% last year compares with 13% for similar lenders and 10% for the whole market. Georgia is its base. In Gainesville its share rose from 0.4% to 0.7%, placing it 36 of 336 lenders, and in 2025 it entered Athens, Huntsville and Montgomery.
Only 0.9% of its loans were higher-priced (a rate well above the average for similar loans), against 5.0% at the typical peer. Its typical rate, 6.50%, was below their 6.84%. Purchase applicants were turned down less often too: 3.1% of decided first-lien purchase applications, against 5.1%.
Some 17.8% of its borrowers had low or moderate incomes (LMI), against 26.0% at peers, and 13.2% of its loans were in LMI neighborhoods, against 19.0%. Its loans are larger, typically $405,000 against $350,000, which may reflect the buyers and markets it serves.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2023–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Onward Home Mortgage took 988 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 89.2% · Refinance 10.8%
Conventional 82.2% · FHA 12.9% · VA 4.2% · USDA (RHS or FSA) 0.7% · of 590 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Georgia | 544 | 92.2% |
| Alabama | 20 | 3.4% |
| South Carolina | 17 | 2.9% |
| Florida | 4 | 0.7% |
| North Carolina | 3 | 0.5% |
| Tennessee | 2 | 0.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Atlanta-Sandy Springs-Roswell | 385 |
| Marietta | 114 |
| Gainesville | 24 |
| Dothan | 13 |
| Greenville-Anderson-Greer | 8 |
| Savannah | 4 |
| Athens-Clarke County | 3 |
| Spartanburg | 3 |
| Charleston-North Charleston | 2 |
| Huntsville | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493000CHQ0HEHGLJ573 | 2023–2025 |
Established 26 September 2022. Reported under HMDA 2023-2025.
Mergers, name changes, data editions and corrections: Onward Home Mortgage's data.
Onward Home Mortgage's data
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Onward Home Mortgage and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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