Baldwin County
Georgia · FIPS 13009
According to CFPB HMDA 2024 application volume among U.S. counties, Baldwin County ranks #1,336 of 3,223, and #66 of 159 in Georgia.
Mortgage lending activity in Baldwin 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. Baldwin County, Georgia lenders denied 208 of the applications reported here, financing the rest 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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Baldwin County
In Baldwin County, lead originator Exchange Bank funded only 7.1% of 504 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 20.0% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Baldwin County's 1,109 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Baldwin County's $225,225 average loan (deduped against volume peers).
Lenders active in Baldwin County
Exchange Bank funded 36 of the 504 loans originated in Baldwin County, 7.1% of the county. 135 lenders reported activity here.
| # | 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% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Baldwin 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 Baldwin 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.