Appling County
Georgia · FIPS 13001
According to CFPB HMDA 2024 application volume among U.S. counties, Appling County ranks #2,082 of 3,223, and #106 of 159 in Georgia.
Mortgage lending activity in Appling County, Georgia based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this county during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
Local mortgage market. Appling County, Georgia lenders denied 130 of the applications reported here, financing the rest 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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Appling County
In Appling County, lead originator 21st Mortgage funded 13.7% of 190 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 34.2% of the book; a local credit union or regional bank still sits beside the national wholesalers.
Counties With Similar Application Volume
Nationwide counties nearest to Appling County's 465 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Appling County's $155,151 average loan (deduped against volume peers).
Lenders active in Appling County
21st Mortgage funded 26 of the 190 loans originated in Appling County, 13.7% of the county. 56 lenders reported activity here.
| # | 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% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Appling County, from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024) -- county FIPS codes follow U.S. Census Bureau standards. Not financial advice for Appling County borrowers. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.