Chattooga County
Georgia · FIPS 13055
According to CFPB HMDA 2024 application volume among U.S. counties, Chattooga County ranks #1,545 of 3,223, and #79 of 159 in Georgia.
Mortgage lending activity in Chattooga 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. Chattooga County, Georgia lenders denied 190 of the applications reported here, financing the rest at an average note rate of 7.13%, with applicants self-reporting average annual income of $37K. 105 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 4.3x, meaning typical borrowers took on mortgages of about 4.3 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 Chattooga County
In Chattooga County, lead originator United Community Bank funded 27.1% of 425 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 39.8% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Chattooga County's 881 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Chattooga County's $157,304 average loan (deduped against volume peers).
Lenders active in Chattooga County
United Community Bank funded 115 of the 425 loans originated in Chattooga County, 27.1% of the county. 105 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | United Community Bank | 115 | 27.1% |
| 2 | Rocket Mortgage | 29 | 6.8% |
| 3 | Southeast First National Bank | 25 | 5.9% |
| 4 | Atlantic Bay Mortgage Group | 15 | 3.5% |
| 5 | Regions Bank | 12 | 2.8% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Chattooga 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 Chattooga 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.