Catoosa County
Georgia · FIPS 13047
According to CFPB HMDA 2024 application volume among U.S. counties, Catoosa County ranks #675 of 3,210, and #36 of 159 in Georgia.
Mortgage lending activity in Catoosa 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. Catoosa County, Georgia saw 3,316 HMDA-reported mortgage applications in 2024. Lenders originated 1,648 of those loans and denied 595, producing a denial rate of 17.9% and an approval (origination) rate of 49.7%. The average loan amount was $199,569 at an average note rate of 7.29%, with applicants self-reporting average annual income of $39K. 199 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 5.1x, meaning typical borrowers took on mortgages of about 5.1 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 Catoosa County
In Catoosa County, lead originator Tennessee Valley Federal C U funded only 8.1% of 1,648 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 23.2% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Catoosa County's 3,316 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Catoosa County's $199,569 average loan (deduped against volume peers).
Lenders active in Catoosa County
Tennessee Valley Federal C U funded 134 of the 1,648 loans originated in Catoosa County, 8.1% of the county. 199 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Tennessee Valley Federal C U | 134 | 8.1% |
| 2 | Rocket Mortgage | 133 | 8.1% |
| 3 | Movement Mortgage, LLC | 115 | 7.0% |
| 4 | Union Home Mortgage Corp. | 55 | 3.3% |
| 5 | Builtwell Bank | 55 | 3.3% |
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; does not constitute financial advice for Catoosa County borrowers.
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 Catoosa County 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. 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.