Banks County
Georgia · FIPS 13011
According to CFPB HMDA 2024 application volume among U.S. counties, Banks County ranks #1,607 of 3,223, and #82 of 159 in Georgia.
Mortgage lending activity in Banks 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. Banks County, Georgia lenders denied 140 of the applications reported here, financing the rest at an average note rate of 7.26%, with applicants self-reporting average annual income of $38K. 114 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 17.2x, meaning typical borrowers took on mortgages of about 17.2 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 Banks County
In Banks County, lead originator United Community Bank funded only 8.9% of 418 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 24.4% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Banks County's 813 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Banks County's $655,049 average loan (deduped against volume peers).
Lenders active in Banks County
United Community Bank funded 37 of the 418 loans originated in Banks County, 8.9% of the county. 114 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | United Community Bank | 37 | 8.9% |
| 2 | Rocket Mortgage | 33 | 7.9% |
| 3 | United Wholesale Mortgage | 32 | 7.7% |
| 4 | Capital City Home Loans, LLC | 29 | 6.9% |
| 5 | Fairway Independent Mort CORP | 19 | 4.5% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Banks 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 Banks 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.