Butts County
Georgia · FIPS 13035
According to CFPB HMDA 2024 application volume among U.S. counties, Butts County ranks #1,262 of 3,223, and #64 of 159 in Georgia.
Mortgage lending activity in Butts 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. Butts County, Georgia lenders denied 222 of the applications reported here, financing the rest at an average note rate of 7.10%, with applicants self-reporting average annual income of $39K. 128 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 6.5x, meaning typical borrowers took on mortgages of about 6.5 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 Butts County
In Butts County, lead originator United Bank funded only 9.2% of 597 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 23.1% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Butts County's 1,240 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Butts County's $254,766 average loan (deduped against volume peers).
Lenders active in Butts County
United Bank funded 55 of the 597 loans originated in Butts County, 9.2% of the county. 128 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | United Bank | 55 | 9.2% |
| 2 | Rocket Mortgage | 45 | 7.5% |
| 3 | Fairway Independent Mort CORP | 38 | 6.4% |
| 4 | United Wholesale Mortgage | 37 | 6.2% |
| 5 | New American Funding, LLC. | 33 | 5.5% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Butts 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 Butts 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.