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2024 data HMDA 2024 disclosure official source

Baldwin County

1,109 mortgage applications, 18.8% denial rate. Verify FIPS 13009 with U.S. Census Bureau →

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Georgia · FIPS 13009

Local mortgage market. Baldwin County, Georgia saw 1,109 HMDA-reported mortgage applications in 2024. Lenders originated 504 of those loans and denied 208, producing a denial rate of 18.8% and an approval (origination) rate of 45.4%. The average loan amount was $225,225 at an average note rate of 6.95%, with applicants self-reporting average annual income of $37K. 135 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 6.1x, meaning typical borrowers took on mortgages of about 6.1 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 13009 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

1,109
Applications
504
Originated
18.8%
Denial Rate
45.4%
Approval Rate
$225,225
Avg Loan Amount
6.95%
Avg Interest Rate
$37K
Avg Applicant Income
6.1x
Loan-to-Income Ratio

Nearby Lenders in Baldwin 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 Exchange Bank 36 7.1%
2 Robins Financial Credit Union 34 6.7%
3 Magnolia State Bank 31 6.2%
4 Rocket Mortgage 31 6.2%
5 Mutual of Omaha Mortgage 27 5.4%
Compare Exchange Bank vs Robins Financial Credit Union →

Frequently Asked Questions

How many mortgage applications were filed in Baldwin County?
In the 2024 HMDA reporting year, 1,109 mortgage applications were filed in Baldwin County, Georgia. Of these, 504 were originated (approved and funded), while 208 were denied, resulting in a denial rate of 18.8%.
What is the mortgage denial rate in Baldwin County?
The mortgage denial rate in Baldwin County is 18.8%. The approval (origination) rate is 45.4%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Baldwin County?
The average mortgage loan amount in Baldwin County is $225,225. The average interest rate is 6.945%. The average applicant income is $37K.
What is the loan-to-income ratio in Baldwin County?
The average loan-to-income ratio in Baldwin County is 6.1x, meaning borrowers took on loans averaging 6.1 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Baldwin County?
The top mortgage lenders in Baldwin County by origination volume are Exchange Bank, Robins Financial Credit Union, Magnolia State Bank. In total, 135 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.