Self-employed and investors in
Georgia
Count of Non-QM loans in
Georgia
Non-QM lending growth in
Georgia
Georgia is one of the fastest-growing Non-QM lending markets in the country. In 2024, lenders originated approximately 21,164 Non-QM loans, representing a 27.7% increase year over year. The majority of Non-QM lending activity occurs in the Atlanta metropolitan area, which remains the dominant housing market in the state. Additional lending activity is observed in Savannah and Augusta, while a meaningful share of Non-QM originations also occurs outside major metropolitan areas.
Polygon Vision estimates that Georgia contains approximately 230,493 potential Non-QM borrowers, including about 109,986 self-employed households and 120,507 small real estate investors. The growing investor presence in Georgia’s housing market combined with a rising population of self-employed workers suggests continued expansion opportunities for Non-QM mortgage lenders.