PlainLender
2024 data HMDA 2024 disclosure official source

Brooks County

494 mortgage applications, 27.3% denial rate. Verify FIPS 13027 with U.S. Census Bureau →

PlainLender home → About this data

Georgia · FIPS 13027

Local mortgage market. Brooks County, Georgia saw 494 HMDA-reported mortgage applications in 2024. Lenders originated 214 of those loans and denied 135, producing a denial rate of 27.3% and an approval (origination) rate of 43.3%. The average loan amount was $144,393 at an average note rate of 7.31%, with applicants self-reporting average annual income of $38K. 68 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 3.8x, meaning typical borrowers took on mortgages of about 3.8 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 13027 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

494
Applications
214
Originated
27.3%
Denial Rate
43.3%
Approval Rate
$144,393
Avg Loan Amount
7.31%
Avg Interest Rate
$38K
Avg Applicant Income
3.8x
Loan-to-Income Ratio

Nearby Lenders in Brooks 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 The Citizens National Bank of Quitman 30 14.0%
2 Rocket Mortgage 17 7.9%
3 21st Mortgage 12 5.6%
4 Citizens Community Bank 10 4.7%
5 Ameris Bank 10 4.7%
Compare The Citizens National Bank of Quitman vs Rocket Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Brooks County?
In the 2024 HMDA reporting year, 494 mortgage applications were filed in Brooks County, Georgia. Of these, 214 were originated (approved and funded), while 135 were denied, resulting in a denial rate of 27.3%.
What is the mortgage denial rate in Brooks County?
The mortgage denial rate in Brooks County is 27.3%. The approval (origination) rate is 43.3%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Brooks County?
The average mortgage loan amount in Brooks County is $144,393. The average interest rate is 7.306%. The average applicant income is $38K.
What is the loan-to-income ratio in Brooks County?
The average loan-to-income ratio in Brooks County is 3.8x, meaning borrowers took on loans averaging 3.8 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Brooks County?
The top mortgage lenders in Brooks County by origination volume are The Citizens National Bank of Quitman, Rocket Mortgage, 21st Mortgage. In total, 68 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.