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2024 data HMDA 2024 disclosure official source

Catoosa County

3,316 mortgage applications, 17.9% denial rate. Verify FIPS 13047 with U.S. Census Bureau →

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Georgia · FIPS 13047

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.

FIPS 13047 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

3,316
Applications
1,648
Originated
17.9%
Denial Rate
49.7%
Approval Rate
$199,569
Avg Loan Amount
7.29%
Avg Interest Rate
$39K
Avg Applicant Income
5.1x
Loan-to-Income Ratio

Nearby Lenders in Catoosa 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 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%
Compare Tennessee Valley Federal C U vs Rocket Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Catoosa County?
In the 2024 HMDA reporting year, 3,316 mortgage applications were filed in Catoosa County, Georgia. Of these, 1,648 were originated (approved and funded), while 595 were denied, resulting in a denial rate of 17.9%.
What is the mortgage denial rate in Catoosa County?
The mortgage denial rate in Catoosa County is 17.9%. The approval (origination) rate is 49.7%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Catoosa County?
The average mortgage loan amount in Catoosa County is $199,569. The average interest rate is 7.293%. The average applicant income is $39K.
What is the loan-to-income ratio in Catoosa County?
The average loan-to-income ratio in Catoosa County is 5.1x, meaning borrowers took on loans averaging 5.1 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Catoosa County?
The top mortgage lenders in Catoosa County by origination volume are Tennessee Valley Federal C U, Rocket Mortgage, Movement Mortgage, LLC. In total, 199 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.