Bacon County
Georgia · FIPS 13005
According to CFPB HMDA 2024 application volume among U.S. counties, Bacon County ranks #2,553 of 3,210, and #132 of 159 in Georgia.
Mortgage lending activity in Bacon 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. Bacon County, Georgia saw 211 HMDA-reported mortgage applications in 2024. Lenders originated 102 of those loans and denied 49, producing a denial rate of 23.2% and an approval (origination) rate of 48.3%. The average loan amount was $136,706 at an average note rate of 7.54%, with applicants self-reporting average annual income of $39K. 37 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 3.5x, meaning typical borrowers took on mortgages of about 3.5 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 Bacon County
In Bacon County, lead originator 21st Mortgage funded 14.7% of 102 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 40.2% 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 Bacon County's 211 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Bacon County's $136,706 average loan (deduped against volume peers).
Lenders active in Bacon County
21st Mortgage funded 15 of the 102 loans originated in Bacon County, 14.7% of the county. 37 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | 21st Mortgage | 15 | 14.7% |
| 2 | Rocket Mortgage | 14 | 13.7% |
| 3 | Pineland Bank | 12 | 11.8% |
| 4 | Renasant Bank | 6 | 5.9% |
| 5 | Flagstar Bank NA | 4 | 3.9% |
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 Bacon 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 Bacon 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.