Clinch County
Georgia · FIPS 13065
According to CFPB HMDA 2024 application volume among U.S. counties, Clinch County ranks #2,741 of 3,223, and #143 of 159 in Georgia.
Mortgage lending activity in Clinch 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. Clinch County, Georgia lenders denied 42 of the applications reported here, financing the rest at an average note rate of 7.44%, with applicants self-reporting average annual income of $36K. 21 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 3.5x, meaning typical borrowers took on mortgages of about 3.5 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 Clinch County
In Clinch County, lead originator Farmers and Merchants Bank funded 44.9% of 69 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 65.2% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Clinch County's 144 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Clinch County's $124,931 average loan (deduped against volume peers).
Lenders active in Clinch County
Farmers and Merchants Bank funded 31 of the 69 loans originated in Clinch County, 44.9% of the county. 21 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Farmers and Merchants Bank | 31 | 44.9% |
| 2 | 21st Mortgage | 9 | 13.0% |
| 3 | United Wholesale Mortgage | 5 | 7.2% |
| 4 | Ameris Bank | 4 | 5.8% |
| 5 | Rocket Mortgage | 2 | 2.9% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Clinch 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 Clinch 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.