PlainLender
2024 data HMDA 2024 disclosure official source

Hart County

1,107 mortgage applications, 14.7% denial rate. Verify FIPS 13147 with U.S. Census Bureau →

PlainLender home → About this data

Georgia · FIPS 13147

Local mortgage market. Hart County, Georgia saw 1,107 HMDA-reported mortgage applications in 2024. Lenders originated 596 of those loans and denied 163, producing a denial rate of 14.7% and an approval (origination) rate of 53.8%. The average loan amount was $233,130 at an average note rate of 7.03%, with applicants self-reporting average annual income of $38K. 134 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 6.1x, meaning typical borrowers took on mortgages of about 6.1 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 13147 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

1,107
Applications
596
Originated
14.7%
Denial Rate
53.8%
Approval Rate
$233,130
Avg Loan Amount
7.03%
Avg Interest Rate
$38K
Avg Applicant Income
6.1x
Loan-to-Income Ratio

Nearby Lenders in Hart 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 Pinnacle Bank 58 9.7%
2 Rocket Mortgage 55 9.2%
3 United Wholesale Mortgage 34 5.7%
4 Magnolia Bank 33 5.5%
5 First Ciitizens Bank and Trust 30 5.0%
Compare Pinnacle Bank vs Rocket Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Hart County?
In the 2024 HMDA reporting year, 1,107 mortgage applications were filed in Hart County, Georgia. Of these, 596 were originated (approved and funded), while 163 were denied, resulting in a denial rate of 14.7%.
What is the mortgage denial rate in Hart County?
The mortgage denial rate in Hart County is 14.7%. The approval (origination) rate is 53.8%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Hart County?
The average mortgage loan amount in Hart County is $233,130. The average interest rate is 7.031%. The average applicant income is $38K.
What is the loan-to-income ratio in Hart County?
The average loan-to-income ratio in Hart County is 6.1x, meaning borrowers took on loans averaging 6.1 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Hart County?
The top mortgage lenders in Hart County by origination volume are Pinnacle Bank, Rocket Mortgage, United Wholesale Mortgage. In total, 134 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.