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2024 data HMDA 2024 disclosure official source

Chatham County

13,260 mortgage applications, 17.1% denial rate. Verify FIPS 13051 with U.S. Census Bureau →

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Georgia · FIPS 13051

Local mortgage market. Chatham County, Georgia saw 13,260 HMDA-reported mortgage applications in 2024. Lenders originated 6,625 of those loans and denied 2,274, producing a denial rate of 17.1% and an approval (origination) rate of 50.0%. The average loan amount was $434,409 at an average note rate of 7.11%, with applicants self-reporting average annual income of $39K. 398 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 11.1x, meaning typical borrowers took on mortgages of about 11.1 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 13051 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

13,260
Applications
6,625
Originated
17.1%
Denial Rate
50.0%
Approval Rate
$434,409
Avg Loan Amount
7.11%
Avg Interest Rate
$39K
Avg Applicant Income
11.1x
Loan-to-Income Ratio

Nearby Lenders in Chatham 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 United Wholesale Mortgage 468 7.1%
2 Rocket Mortgage 465 7.0%
3 New American Funding, LLC. 408 6.2%
4 DHI Mortgage Company, LTD. 267 4.0%
5 Navy Federal Credit Union 229 3.5%
Compare United Wholesale Mortgage vs Rocket Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Chatham County?
In the 2024 HMDA reporting year, 13,260 mortgage applications were filed in Chatham County, Georgia. Of these, 6,625 were originated (approved and funded), while 2,274 were denied, resulting in a denial rate of 17.1%.
What is the mortgage denial rate in Chatham County?
The mortgage denial rate in Chatham County is 17.1%. The approval (origination) rate is 50.0%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Chatham County?
The average mortgage loan amount in Chatham County is $434,409. The average interest rate is 7.114%. The average applicant income is $39K.
What is the loan-to-income ratio in Chatham County?
The average loan-to-income ratio in Chatham County is 11.1x, meaning borrowers took on loans averaging 11.1 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Chatham County?
The top mortgage lenders in Chatham County by origination volume are United Wholesale Mortgage, Rocket Mortgage, New American Funding, LLC.. In total, 398 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.