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2024 data HMDA 2024 disclosure official source

Colquitt County

1,074 mortgage applications, 33.0% denial rate. Verify FIPS 13071 with U.S. Census Bureau →

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Georgia · FIPS 13071

Local mortgage market. Colquitt County, Georgia saw 1,074 HMDA-reported mortgage applications in 2024. Lenders originated 444 of those loans and denied 355, producing a denial rate of 33.0% and an approval (origination) rate of 41.3%. The average loan amount was $162,272 at an average note rate of 7.47%, with applicants self-reporting average annual income of $38K. 87 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.

FIPS 13071 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

1,074
Applications
444
Originated
33.0%
Denial Rate
41.3%
Approval Rate
$162,272
Avg Loan Amount
7.47%
Avg Interest Rate
$38K
Avg Applicant Income
4.3x
Loan-to-Income Ratio

Nearby Lenders in Colquitt 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 44 9.9%
2 Flagstar Bank NA 33 7.4%
3 First National Bank of Decatur 30 6.8%
4 Ameris Bank 28 6.3%
5 21st Mortgage 27 6.1%
Compare Rocket Mortgage vs Flagstar Bank NA →

Frequently Asked Questions

How many mortgage applications were filed in Colquitt County?
In the 2024 HMDA reporting year, 1,074 mortgage applications were filed in Colquitt County, Georgia. Of these, 444 were originated (approved and funded), while 355 were denied, resulting in a denial rate of 33.0%.
What is the mortgage denial rate in Colquitt County?
The mortgage denial rate in Colquitt County is 33.0%. The approval (origination) rate is 41.3%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Colquitt County?
The average mortgage loan amount in Colquitt County is $162,272. The average interest rate is 7.472%. The average applicant income is $38K.
What is the loan-to-income ratio in Colquitt County?
The average loan-to-income ratio in Colquitt County is 4.3x, meaning borrowers took on loans averaging 4.3 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Colquitt County?
The top mortgage lenders in Colquitt County by origination volume are Rocket Mortgage, Flagstar Bank NA, First National Bank of Decatur. In total, 87 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.