PlainLender
2024 data HMDA 2024 disclosure official source

Gordon County

2,435 mortgage applications, 17.7% denial rate. Verify FIPS 13129 with U.S. Census Bureau →

PlainLender home → About this data

Georgia · FIPS 13129

Local mortgage market. Gordon County, Georgia saw 2,435 HMDA-reported mortgage applications in 2024. Lenders originated 1,227 of those loans and denied 430, producing a denial rate of 17.7% and an approval (origination) rate of 50.4%. The average loan amount was $210,454 at an average note rate of 7.16%, with applicants self-reporting average annual income of $39K. 183 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 5.4x, meaning typical borrowers took on mortgages of about 5.4 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 13129 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

2,435
Applications
1,227
Originated
17.7%
Denial Rate
50.4%
Approval Rate
$210,454
Avg Loan Amount
7.16%
Avg Interest Rate
$39K
Avg Applicant Income
5.4x
Loan-to-Income Ratio

Nearby Lenders in Gordon 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 94 7.7%
2 United Wholesale Mortgage 80 6.5%
3 Family Savings Credit Union 59 4.8%
4 Regions Bank 49 4.0%
5 Synovus Bank 43 3.5%
Compare Rocket Mortgage vs United Wholesale Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Gordon County?
In the 2024 HMDA reporting year, 2,435 mortgage applications were filed in Gordon County, Georgia. Of these, 1,227 were originated (approved and funded), while 430 were denied, resulting in a denial rate of 17.7%.
What is the mortgage denial rate in Gordon County?
The mortgage denial rate in Gordon County is 17.7%. The approval (origination) rate is 50.4%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Gordon County?
The average mortgage loan amount in Gordon County is $210,454. The average interest rate is 7.157%. The average applicant income is $39K.
What is the loan-to-income ratio in Gordon County?
The average loan-to-income ratio in Gordon County is 5.4x, meaning borrowers took on loans averaging 5.4 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Gordon County?
The top mortgage lenders in Gordon County by origination volume are Rocket Mortgage, United Wholesale Mortgage, Family Savings Credit Union. In total, 183 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.