Coweta County
Georgia · FIPS 13077
According to CFPB HMDA 2024 application volume among U.S. counties, Coweta County ranks #370 of 3,223, and #15 of 159 in Georgia.
Mortgage lending activity in Coweta 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. Coweta County, Georgia lenders denied 1,250 of the applications reported here, financing the rest at an average note rate of 7.12%, with applicants self-reporting average annual income of $38K. 299 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 7.9x, meaning typical borrowers took on mortgages of about 7.9 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 Coweta County
In Coweta County, lead originator Delta Community Credit Union funded only 9.0% of 4,027 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 22.5% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Coweta County's 7,756 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Coweta County's $298,823 average loan (deduped against volume peers).
Lenders active in Coweta County
Delta Community Credit Union funded 364 of the 4,027 loans originated in Coweta County, 9.0% of the county. 299 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Delta Community Credit Union | 364 | 9.0% |
| 2 | Rocket Mortgage | 317 | 7.9% |
| 3 | United Wholesale Mortgage | 227 | 5.6% |
| 4 | Ameris Bank | 134 | 3.3% |
| 5 | Fairway Independent Mort CORP | 128 | 3.2% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Coweta 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 Coweta 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.