Cobb County
Georgia · FIPS 13067
According to CFPB HMDA 2024 application volume among U.S. counties, Cobb County ranks #57 of 3,210, and #3 of 159 in Georgia.
Mortgage lending activity in Cobb 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. 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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Cobb County
In Cobb County, lead originator Rocket Mortgage funded only 7.5% of 16,358 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 18.0% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Cobb County's 32,979 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Cobb County's $394,554 average loan (deduped against volume peers).
Lenders active in Cobb County
Rocket Mortgage funded 1,221 of the 16,358 loans originated in Cobb County, 7.5% of the county. 506 lenders reported activity here.
| # | 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% |
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 Cobb 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 Cobb 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.