Habersham County
Georgia · FIPS 13137
According to CFPB HMDA 2024 application volume among U.S. counties, Habersham County ranks #939 of 3,223, and #46 of 159 in Georgia.
Mortgage lending activity in Habersham 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. Habersham County, Georgia lenders denied 320 of the applications reported here, financing the rest 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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Habersham County
In Habersham County, lead originator United Community Bank funded only 8.0% of 1,018 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 22.4% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Habersham County's 1,997 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Habersham County's $225,105 average loan (deduped against volume peers).
Lenders active in Habersham County
United Community Bank funded 81 of the 1,018 loans originated in Habersham County, 8.0% of the county. 171 lenders reported activity here.
| # | 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% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Habersham County, from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024) -- county FIPS codes follow U.S. Census Bureau standards. Not financial advice for Habersham County borrowers. 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.