Fulton County
Georgia · FIPS 13121
According to CFPB HMDA 2024 application volume among U.S. counties, Fulton County ranks #31 of 3,210, and #1 of 159 in Georgia.
Mortgage lending activity in Fulton 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. Fulton County, Georgia saw 46,804 HMDA-reported mortgage applications in 2024. Lenders originated 21,488 of those loans and denied 8,881, producing a denial rate of 19.0% and an approval (origination) rate of 45.9%. The average loan amount was $553,673 at an average note rate of 7.14%, with applicants self-reporting average annual income of $38K. 574 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 14.6x, meaning typical borrowers took on mortgages of about 14.6 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 Fulton County
In Fulton County, lead originator Rocket Mortgage funded only 6.9% of 21,488 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 17.9% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Fulton County's 46,804 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Fulton County's $553,673 average loan (deduped against volume peers).
Lenders active in Fulton County
Rocket Mortgage funded 1,489 of the 21,488 loans originated in Fulton County, 6.9% of the county. 574 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Rocket Mortgage | 1,489 | 6.9% |
| 2 | United Wholesale Mortgage | 1,328 | 6.2% |
| 3 | Ameris Bank | 1,033 | 4.8% |
| 4 | Truist Bank | 642 | 3.0% |
| 5 | Bank of America NA | 586 | 2.7% |
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; does not constitute financial advice for Fulton County borrowers.
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 Fulton County 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. 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.