Harris County
Georgia · FIPS 13145
According to CFPB HMDA 2024 application volume among U.S. counties, Harris County ranks #996 of 3,210, and #48 of 159 in Georgia.
Mortgage lending activity in Harris 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. 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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Harris County
In Harris County, lead originator Synovus Bank funded only 9.6% of 888 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 23.9% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Harris County's 1,770 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Harris County's $384,475 average loan (deduped against volume peers).
Lenders active in Harris County
Synovus Bank funded 85 of the 888 loans originated in Harris County, 9.6% of the county. 141 lenders reported activity here.
| # | 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% |
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 Harris 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 Harris 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.