PlainLender
2024 data HMDA 2024 disclosure official source

Emanuel County

429 mortgage applications, 32.4% denial rate. Verify FIPS 13107 with U.S. Census Bureau →

PlainLender home → About this data

Georgia · FIPS 13107

Local mortgage market. Emanuel County, Georgia saw 429 HMDA-reported mortgage applications in 2024. Lenders originated 155 of those loans and denied 139, producing a denial rate of 32.4% and an approval (origination) rate of 36.1%. The average loan amount was $159,662 at an average note rate of 7.38%, with applicants self-reporting average annual income of $38K. 60 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 4.2x, meaning typical borrowers took on mortgages of about 4.2 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 13107 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

429
Applications
155
Originated
32.4%
Denial Rate
36.1%
Approval Rate
$159,662
Avg Loan Amount
7.38%
Avg Interest Rate
$38K
Avg Applicant Income
4.2x
Loan-to-Income Ratio

Nearby Lenders in Emanuel 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 Robins Financial Credit Union 19 12.3%
2 Mortgage Research Center 12 7.7%
3 Rocket Mortgage 11 7.1%
4 21st Mortgage 9 5.8%
5 Towne Mortgage Company 6 3.9%
Compare Robins Financial Credit Union vs Mortgage Research Center →

Frequently Asked Questions

How many mortgage applications were filed in Emanuel County?
In the 2024 HMDA reporting year, 429 mortgage applications were filed in Emanuel County, Georgia. Of these, 155 were originated (approved and funded), while 139 were denied, resulting in a denial rate of 32.4%.
What is the mortgage denial rate in Emanuel County?
The mortgage denial rate in Emanuel County is 32.4%. The approval (origination) rate is 36.1%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Emanuel County?
The average mortgage loan amount in Emanuel County is $159,662. The average interest rate is 7.376%. The average applicant income is $38K.
What is the loan-to-income ratio in Emanuel County?
The average loan-to-income ratio in Emanuel County is 4.2x, meaning borrowers took on loans averaging 4.2 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Emanuel County?
The top mortgage lenders in Emanuel County by origination volume are Robins Financial Credit Union, Mortgage Research Center, Rocket Mortgage. In total, 60 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.