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2024 data HMDA 2024 disclosure official source

Gwinnett County

41,208 mortgage applications, 19.5% denial rate. Verify FIPS 13135 with U.S. Census Bureau →

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Georgia · FIPS 13135

Local mortgage market. Gwinnett County, Georgia saw 41,208 HMDA-reported mortgage applications in 2024. Lenders originated 19,033 of those loans and denied 8,038, producing a denial rate of 19.5% and an approval (origination) rate of 46.2%. The average loan amount was $488,328 at an average note rate of 7.14%, with applicants self-reporting average annual income of $40K. 492 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 12.2x, meaning typical borrowers took on mortgages of about 12.2 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.

FIPS 13135 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

41,208
Applications
19,033
Originated
19.5%
Denial Rate
46.2%
Approval Rate
$488,328
Avg Loan Amount
7.14%
Avg Interest Rate
$40K
Avg Applicant Income
12.2x
Loan-to-Income Ratio

Nearby Lenders in Gwinnett 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 1,723 9.1%
2 United Wholesale Mortgage 1,668 8.8%
3 Ameris Bank 576 3.0%
4 Loandepot.Com, LLC 542 2.8%
5 Navy Federal Credit Union 537 2.8%
Compare Rocket Mortgage vs United Wholesale Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Gwinnett County?
In the 2024 HMDA reporting year, 41,208 mortgage applications were filed in Gwinnett County, Georgia. Of these, 19,033 were originated (approved and funded), while 8,038 were denied, resulting in a denial rate of 19.5%.
What is the mortgage denial rate in Gwinnett County?
The mortgage denial rate in Gwinnett County is 19.5%. The approval (origination) rate is 46.2%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Gwinnett County?
The average mortgage loan amount in Gwinnett County is $488,328. The average interest rate is 7.138%. The average applicant income is $40K.
What is the loan-to-income ratio in Gwinnett County?
The average loan-to-income ratio in Gwinnett County is 12.2x, meaning borrowers took on loans averaging 12.2 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Gwinnett County?
The top mortgage lenders in Gwinnett County by origination volume are Rocket Mortgage, United Wholesale Mortgage, Ameris Bank. In total, 492 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.