Chattahoochee County
Georgia · FIPS 13053
According to CFPB HMDA 2024 application volume among U.S. counties, Chattahoochee County ranks #2,939 of 3,210, and #155 of 159 in Georgia.
Mortgage lending activity in Chattahoochee 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. Chattahoochee County, Georgia saw 76 HMDA-reported mortgage applications in 2024. Lenders originated 27 of those loans and denied 26, producing a denial rate of 34.2% and an approval (origination) rate of 35.5%. The average loan amount was $167,763 at an average note rate of 7.31%, with applicants self-reporting average annual income of $35K. 21 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 4.8x, meaning typical borrowers took on mortgages of about 4.8 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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Chattahoochee County
In Chattahoochee County, lead originator Ruoff Mortgage Company funded only 7.4% of 27 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 22.2% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Chattahoochee County's 76 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Chattahoochee County's $167,763 average loan (deduped against volume peers).
Lenders active in Chattahoochee County
Ruoff Mortgage Company funded 2 of the 27 loans originated in Chattahoochee County, 7.4% of the county. 21 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Ruoff Mortgage Company | 2 | 7.4% |
| 2 | Fairway Independent Mort CORP | 2 | 7.4% |
| 3 | Vanderbilt Mortgage and Finance, INC | 2 | 7.4% |
| 4 | Cmg Mortgage INC | 2 | 7.4% |
| 5 | Canopy Mortgage, LLC | 2 | 7.4% |
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 Chattahoochee 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 Chattahoochee 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.