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2024 data HMDA 2024 disclosure official source

Harris County

1,770 mortgage applications, 14.7% denial rate. Verify FIPS 13145 with U.S. Census Bureau →

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Georgia · FIPS 13145

Local mortgage market. Harris County, Georgia saw 1,770 HMDA-reported mortgage applications in 2024. Lenders originated 888 of those loans and denied 260, producing a denial rate of 14.7% and an approval (origination) rate of 50.2%. The average loan amount was $384,475 at an average note rate of 7.22%, with applicants self-reporting average annual income of $38K. 141 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 10.1x, meaning typical borrowers took on mortgages of about 10.1 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 13145 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

1,770
Applications
888
Originated
14.7%
Denial Rate
50.2%
Approval Rate
$384,475
Avg Loan Amount
7.22%
Avg Interest Rate
$38K
Avg Applicant Income
10.1x
Loan-to-Income Ratio

Nearby Lenders in Harris 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 Synovus Bank 85 9.6%
2 Rocket Mortgage 73 8.2%
3 Canopy Mortgage, LLC 54 6.1%
4 Cmg Mortgage INC 40 4.5%
5 United Wholesale Mortgage 38 4.3%
Compare Synovus Bank vs Rocket Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Harris County?
In the 2024 HMDA reporting year, 1,770 mortgage applications were filed in Harris County, Georgia. Of these, 888 were originated (approved and funded), while 260 were denied, resulting in a denial rate of 14.7%.
What is the mortgage denial rate in Harris County?
The mortgage denial rate in Harris County is 14.7%. The approval (origination) rate is 50.2%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Harris County?
The average mortgage loan amount in Harris County is $384,475. The average interest rate is 7.224%. The average applicant income is $38K.
What is the loan-to-income ratio in Harris County?
The average loan-to-income ratio in Harris County is 10.1x, meaning borrowers took on loans averaging 10.1 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Harris County?
The top mortgage lenders in Harris County by origination volume are Synovus Bank, Rocket Mortgage, Canopy Mortgage, LLC. In total, 141 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.