Fannin County
Georgia · FIPS 13111
According to CFPB HMDA 2024 application volume among U.S. counties, Fannin County ranks #1,087 of 3,223, and #52 of 159 in Georgia.
Mortgage lending activity in Fannin 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. Fannin County, Georgia lenders denied 245 of the applications reported here, financing the rest at an average note rate of 7.25%, with applicants self-reporting average annual income of $36K. 201 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 10.2x, meaning typical borrowers took on mortgages of about 10.2 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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Fannin County
In Fannin County, lead originator United Community Bank funded 17.5% of 876 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 29.8% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Fannin County's 1,577 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Fannin County's $366,725 average loan (deduped against volume peers).
Lenders active in Fannin County
United Community Bank funded 153 of the 876 loans originated in Fannin County, 17.5% of the county. 201 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | United Community Bank | 153 | 17.5% |
| 2 | Rocket Mortgage | 68 | 7.8% |
| 3 | United Wholesale Mortgage | 40 | 4.6% |
| 4 | SouthState Bank, N.A. | 33 | 3.8% |
| 5 | Vanderbilt Mortgage and Finance, INC | 28 | 3.2% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Fannin 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 Fannin 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.