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2024 data HMDA 2024 disclosure official source

Early County

302 mortgage applications, 28.5% denial rate. Verify FIPS 13099 with U.S. Census Bureau →

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Georgia · FIPS 13099

Local mortgage market. Early County, Georgia saw 302 HMDA-reported mortgage applications in 2024. Lenders originated 151 of those loans and denied 86, producing a denial rate of 28.5% and an approval (origination) rate of 50.0%. The average loan amount was $138,278 at an average note rate of 7.12%, with applicants self-reporting average annual income of $37K. 38 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 3.7x, meaning typical borrowers took on mortgages of about 3.7 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 13099 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

302
Applications
151
Originated
28.5%
Denial Rate
50.0%
Approval Rate
$138,278
Avg Loan Amount
7.12%
Avg Interest Rate
$37K
Avg Applicant Income
3.7x
Loan-to-Income Ratio

Nearby Lenders in Early 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 First State Bank of Blakely 65 43.0%
2 Georgia Community Bank 17 11.3%
3 Five Star Credit Union 10 6.6%
4 Rocket Mortgage 7 4.6%
5 21st Mortgage 5 3.3%
Compare First State Bank of Blakely vs Georgia Community Bank →

Frequently Asked Questions

How many mortgage applications were filed in Early County?
In the 2024 HMDA reporting year, 302 mortgage applications were filed in Early County, Georgia. Of these, 151 were originated (approved and funded), while 86 were denied, resulting in a denial rate of 28.5%.
What is the mortgage denial rate in Early County?
The mortgage denial rate in Early County is 28.5%. The approval (origination) rate is 50.0%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Early County?
The average mortgage loan amount in Early County is $138,278. The average interest rate is 7.117%. The average applicant income is $37K.
What is the loan-to-income ratio in Early County?
The average loan-to-income ratio in Early County is 3.7x, meaning borrowers took on loans averaging 3.7 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Early County?
The top mortgage lenders in Early County by origination volume are First State Bank of Blakely, Georgia Community Bank, Five Star Credit Union. In total, 38 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.