Atkinson County
Georgia · FIPS 13003
According to CFPB HMDA 2024 application volume among U.S. counties, Atkinson County ranks #2,782 of 3,210, and #146 of 159 in Georgia.
Mortgage lending activity in Atkinson 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. Atkinson County, Georgia saw 126 HMDA-reported mortgage applications in 2024. Lenders originated 44 of those loans and denied 49, producing a denial rate of 38.9% and an approval (origination) rate of 34.9%. The average loan amount was $131,349 at an average note rate of 6.96%, with applicants self-reporting average annual income of $41K. 25 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 3.2x, meaning typical borrowers took on mortgages of about 3.2 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 Atkinson County
In Atkinson County, lead originator 21st Mortgage funded 13.6% of 44 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 34.1% 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 Atkinson County's 126 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Atkinson County's $131,349 average loan (deduped against volume peers).
Lenders active in Atkinson County
21st Mortgage funded 6 of the 44 loans originated in Atkinson County, 13.6% of the county. 25 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | 21st Mortgage | 6 | 13.6% |
| 2 | Guardian Bank | 5 | 11.4% |
| 3 | First National Bank of Coffee County | 4 | 9.1% |
| 4 | United Wholesale Mortgage | 4 | 9.1% |
| 5 | Farmers and Merchants Bank | 4 | 9.1% |
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; does not constitute financial advice for Atkinson County borrowers.
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 Atkinson County 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. 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.