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2024 data HMDA 2024 disclosure official source

Fayette County

6,095 mortgage applications, 20.4% denial rate. Verify FIPS 13113 with U.S. Census Bureau →

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Georgia · FIPS 13113

Local mortgage market. Fayette County, Georgia saw 6,095 HMDA-reported mortgage applications in 2024. Lenders originated 2,872 of those loans and denied 1,243, producing a denial rate of 20.4% and an approval (origination) rate of 47.1%. The average loan amount was $396,019 at an average note rate of 7.28%, with applicants self-reporting average annual income of $38K. 292 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 10.4x, meaning typical borrowers took on mortgages of about 10.4 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 13113 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

6,095
Applications
2,872
Originated
20.4%
Denial Rate
47.1%
Approval Rate
$396,019
Avg Loan Amount
7.28%
Avg Interest Rate
$38K
Avg Applicant Income
10.4x
Loan-to-Income Ratio

Nearby Lenders in Fayette 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 Rocket Mortgage 263 9.2%
2 Delta Community Credit Union 249 8.7%
3 United Wholesale Mortgage 182 6.3%
4 Navy Federal Credit Union 104 3.6%
5 Ameris Bank 93 3.2%
Compare Rocket Mortgage vs Delta Community Credit Union →

Frequently Asked Questions

How many mortgage applications were filed in Fayette County?
In the 2024 HMDA reporting year, 6,095 mortgage applications were filed in Fayette County, Georgia. Of these, 2,872 were originated (approved and funded), while 1,243 were denied, resulting in a denial rate of 20.4%.
What is the mortgage denial rate in Fayette County?
The mortgage denial rate in Fayette County is 20.4%. The approval (origination) rate is 47.1%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Fayette County?
The average mortgage loan amount in Fayette County is $396,019. The average interest rate is 7.278%. The average applicant income is $38K.
What is the loan-to-income ratio in Fayette County?
The average loan-to-income ratio in Fayette County is 10.4x, meaning borrowers took on loans averaging 10.4 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Fayette County?
The top mortgage lenders in Fayette County by origination volume are Rocket Mortgage, Delta Community Credit Union, United Wholesale Mortgage. In total, 292 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.