Greene County
Georgia · FIPS 13133
According to CFPB HMDA 2024 application volume among U.S. counties, Greene County ranks #1,390 of 3,210, and #71 of 159 in Georgia.
Mortgage lending activity in Greene 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. Greene County, Georgia saw 1,038 HMDA-reported mortgage applications in 2024. Lenders originated 574 of those loans and denied 144, producing a denial rate of 13.9% and an approval (origination) rate of 55.3%. The average loan amount was $1,174,692 at an average note rate of 7.06%, with applicants self-reporting average annual income of $36K. 144 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 32.6x, meaning typical borrowers took on mortgages of about 32.6 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 Greene County
In Greene County, lead originator BankSouth funded only 10.5% of 574 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 21.4% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Greene County's 1,038 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Greene County's $1,174,692 average loan (deduped against volume peers).
Lenders active in Greene County
BankSouth funded 60 of the 574 loans originated in Greene County, 10.5% of the county. 144 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | BankSouth | 60 | 10.5% |
| 2 | BankSouth Mortgage Company LLC | 38 | 6.6% |
| 3 | Pulte Mortgage LLC | 25 | 4.4% |
| 4 | Rocket Mortgage | 23 | 4.0% |
| 5 | JPMorgan Chase Bank, NA | 21 | 3.7% |
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 Greene 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 Greene 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.