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2024 data HMDA 2024 disclosure official source

Appling County

465 mortgage applications, 28.0% denial rate. Verify FIPS 13001 with U.S. Census Bureau →

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Georgia · FIPS 13001

Local mortgage market. Appling County, Georgia saw 465 HMDA-reported mortgage applications in 2024. Lenders originated 190 of those loans and denied 130, producing a denial rate of 28.0% and an approval (origination) rate of 40.9%. The average loan amount was $155,151 at an average note rate of 7.61%, with applicants self-reporting average annual income of $39K. 56 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 4.0x, meaning typical borrowers took on mortgages of about 4.0 times their annual income. That ratio is a rough affordability signal: higher multiples imply tighter monthly budgets and greater exposure to rate or income shocks. See our methodology for how to read the denial rate against a local applicant pool.

FIPS 13001 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

465
Applications
190
Originated
28.0%
Denial Rate
40.9%
Approval Rate
$155,151
Avg Loan Amount
7.61%
Avg Interest Rate
$39K
Avg Applicant Income
4.0x
Loan-to-Income Ratio

Nearby Lenders in Appling County

Top HMDA-reporting lenders active in this county. Compare any two side-by-side for rates, denial rates, and loan mix.

# Lender Originated Market Share
1 21st Mortgage 26 13.7%
2 Rocket Mortgage 22 11.6%
3 United Wholesale Mortgage 17 8.9%
4 Pineland Bank 15 7.9%
5 Truist Bank 13 6.8%
Compare 21st Mortgage vs Rocket Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Appling County?
In the 2024 HMDA reporting year, 465 mortgage applications were filed in Appling County, Georgia. Of these, 190 were originated (approved and funded), while 130 were denied, resulting in a denial rate of 28.0%.
What is the mortgage denial rate in Appling County?
The mortgage denial rate in Appling County is 28.0%. The approval (origination) rate is 40.9%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Appling County?
The average mortgage loan amount in Appling County is $155,151. The average interest rate is 7.610%. The average applicant income is $39K.
What is the loan-to-income ratio in Appling County?
The average loan-to-income ratio in Appling County is 4.0x, meaning borrowers took on loans averaging 4.0 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Appling County?
The top mortgage lenders in Appling County by origination volume are 21st Mortgage, Rocket Mortgage, United Wholesale Mortgage. In total, 56 lenders reported mortgage activity in this county.
Where does this mortgage data come from?
This data comes from the CFPB HMDA 2024 Snapshot National Loan-Level Dataset, a mandatory federal disclosure dataset covering all mortgage applications filed with HMDA-reporting institutions. County boundaries are identified by FIPS codes.

Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. County FIPS codes per U.S. Census Bureau standards.

Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Provided for informational purposes only.

Read our methodology - how this data is sourced, computed, and verified.

Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.