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2024 data HMDA 2024 disclosure official source

Habersham County

1,997 mortgage applications, 16.0% denial rate. Verify FIPS 13137 with U.S. Census Bureau →

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Georgia · FIPS 13137

Local mortgage market. Habersham County, Georgia saw 1,997 HMDA-reported mortgage applications in 2024. Lenders originated 1,018 of those loans and denied 320, producing a denial rate of 16.0% and an approval (origination) rate of 51.0%. The average loan amount was $225,105 at an average note rate of 7.16%, with applicants self-reporting average annual income of $39K. 171 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 5.8x, meaning typical borrowers took on mortgages of about 5.8 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 13137 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

1,997
Applications
1,018
Originated
16.0%
Denial Rate
51.0%
Approval Rate
$225,105
Avg Loan Amount
7.16%
Avg Interest Rate
$39K
Avg Applicant Income
5.8x
Loan-to-Income Ratio

Nearby Lenders in Habersham 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 United Community Bank 81 8.0%
2 Rocket Mortgage 80 7.9%
3 Homeowners Financial Group, LLC 67 6.6%
4 United Wholesale Mortgage 65 6.4%
5 SouthState Bank, N.A. 55 5.4%
Compare United Community Bank vs Rocket Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Habersham County?
In the 2024 HMDA reporting year, 1,997 mortgage applications were filed in Habersham County, Georgia. Of these, 1,018 were originated (approved and funded), while 320 were denied, resulting in a denial rate of 16.0%.
What is the mortgage denial rate in Habersham County?
The mortgage denial rate in Habersham County is 16.0%. The approval (origination) rate is 51.0%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Habersham County?
The average mortgage loan amount in Habersham County is $225,105. The average interest rate is 7.163%. The average applicant income is $39K.
What is the loan-to-income ratio in Habersham County?
The average loan-to-income ratio in Habersham County is 5.8x, meaning borrowers took on loans averaging 5.8 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Habersham County?
The top mortgage lenders in Habersham County by origination volume are United Community Bank, Rocket Mortgage, Homeowners Financial Group, LLC. In total, 171 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.