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2024 data HMDA 2024 disclosure official source

Cobb County

32,979 mortgage applications, 17.3% denial rate. Verify FIPS 13067 with U.S. Census Bureau →

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Georgia · FIPS 13067

Local mortgage market. Cobb County, Georgia saw 32,979 HMDA-reported mortgage applications in 2024. Lenders originated 16,358 of those loans and denied 5,693, producing a denial rate of 17.3% and an approval (origination) rate of 49.6%. The average loan amount was $394,554 at an average note rate of 7.22%, with applicants self-reporting average annual income of $38K. 506 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 10.4x, meaning typical borrowers took on mortgages of about 10.4 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 13067 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

32,979
Applications
16,358
Originated
17.3%
Denial Rate
49.6%
Approval Rate
$394,554
Avg Loan Amount
7.22%
Avg Interest Rate
$38K
Avg Applicant Income
10.4x
Loan-to-Income Ratio

Nearby Lenders in Cobb 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 Rocket Mortgage 1,221 7.5%
2 United Wholesale Mortgage 1,107 6.8%
3 Ameris Bank 624 3.8%
4 Delta Community Credit Union 425 2.6%
5 Navy Federal Credit Union 423 2.6%
Compare Rocket Mortgage vs United Wholesale Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Cobb County?
In the 2024 HMDA reporting year, 32,979 mortgage applications were filed in Cobb County, Georgia. Of these, 16,358 were originated (approved and funded), while 5,693 were denied, resulting in a denial rate of 17.3%.
What is the mortgage denial rate in Cobb County?
The mortgage denial rate in Cobb County is 17.3%. The approval (origination) rate is 49.6%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Cobb County?
The average mortgage loan amount in Cobb County is $394,554. The average interest rate is 7.218%. The average applicant income is $38K.
What is the loan-to-income ratio in Cobb County?
The average loan-to-income ratio in Cobb County is 10.4x, meaning borrowers took on loans averaging 10.4 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Cobb County?
The top mortgage lenders in Cobb County by origination volume are Rocket Mortgage, United Wholesale Mortgage, Ameris Bank. In total, 506 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.