Evans County
Georgia · FIPS 13109
According to CFPB HMDA 2024 application volume among U.S. counties, Evans County ranks #2,334 of 3,223, and #118 of 159 in Georgia.
Mortgage lending activity in Evans 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. Evans County, Georgia lenders denied 70 of the applications reported here, financing the rest at an average note rate of 7.44%, with applicants self-reporting average annual income of $40K. 49 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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Evans County
In Evans County, lead originator Glennville Bank funded 24.2% of 161 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 39.1% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Evans County's 315 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Evans County's $172,143 average loan (deduped against volume peers).
Lenders active in Evans County
Glennville Bank funded 39 of the 161 loans originated in Evans County, 24.2% of the county. 49 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Glennville Bank | 39 | 24.2% |
| 2 | Rocket Mortgage | 14 | 8.7% |
| 3 | 21st Mortgage | 10 | 6.2% |
| 4 | South Georgia Bank | 10 | 6.2% |
| 5 | The Claxton Bank | 8 | 5.0% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Evans 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 Evans 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.