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2024 data HMDA 2024 disclosure official source

Coweta County

7,756 mortgage applications, 16.1% denial rate. Verify FIPS 13077 with U.S. Census Bureau →

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Georgia · FIPS 13077

Local mortgage market. Coweta County, Georgia saw 7,756 HMDA-reported mortgage applications in 2024. Lenders originated 4,027 of those loans and denied 1,250, producing a denial rate of 16.1% and an approval (origination) rate of 51.9%. The average loan amount was $298,823 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.

FIPS 13077 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

7,756
Applications
4,027
Originated
16.1%
Denial Rate
51.9%
Approval Rate
$298,823
Avg Loan Amount
7.12%
Avg Interest Rate
$38K
Avg Applicant Income
7.9x
Loan-to-Income Ratio

Nearby Lenders in Coweta 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 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%
Compare Delta Community Credit Union vs Rocket Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Coweta County?
In the 2024 HMDA reporting year, 7,756 mortgage applications were filed in Coweta County, Georgia. Of these, 4,027 were originated (approved and funded), while 1,250 were denied, resulting in a denial rate of 16.1%.
What is the mortgage denial rate in Coweta County?
The mortgage denial rate in Coweta County is 16.1%. The approval (origination) rate is 51.9%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Coweta County?
The average mortgage loan amount in Coweta County is $298,823. The average interest rate is 7.117%. The average applicant income is $38K.
What is the loan-to-income ratio in Coweta County?
The average loan-to-income ratio in Coweta County is 7.9x, meaning borrowers took on loans averaging 7.9 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Coweta County?
The top mortgage lenders in Coweta County by origination volume are Delta Community Credit Union, Rocket Mortgage, United Wholesale Mortgage. In total, 299 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.