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2024 data HMDA 2024 disclosure official source

Houston County

8,657 mortgage applications, 14.2% denial rate. Verify FIPS 13153 with U.S. Census Bureau →

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Georgia · FIPS 13153

Local mortgage market. Houston County, Georgia saw 8,657 HMDA-reported mortgage applications in 2024. Lenders originated 4,508 of those loans and denied 1,227, producing a denial rate of 14.2% and an approval (origination) rate of 52.1%. The average loan amount was $268,039 at an average note rate of 6.67%, with applicants self-reporting average annual income of $38K. 274 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 7.1x, meaning typical borrowers took on mortgages of about 7.1 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 13153 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

8,657
Applications
4,508
Originated
14.2%
Denial Rate
52.1%
Approval Rate
$268,039
Avg Loan Amount
6.67%
Avg Interest Rate
$38K
Avg Applicant Income
7.1x
Loan-to-Income Ratio

Nearby Lenders in Houston 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 Robins Financial Credit Union 544 12.1%
2 Rocket Mortgage 382 8.5%
3 Guild Mortgage Company 276 6.1%
4 United Wholesale Mortgage 259 5.7%
5 Mortgage Research Center 220 4.9%
Compare Robins Financial Credit Union vs Rocket Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Houston County?
In the 2024 HMDA reporting year, 8,657 mortgage applications were filed in Houston County, Georgia. Of these, 4,508 were originated (approved and funded), while 1,227 were denied, resulting in a denial rate of 14.2%.
What is the mortgage denial rate in Houston County?
The mortgage denial rate in Houston County is 14.2%. The approval (origination) rate is 52.1%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Houston County?
The average mortgage loan amount in Houston County is $268,039. The average interest rate is 6.669%. The average applicant income is $38K.
What is the loan-to-income ratio in Houston County?
The average loan-to-income ratio in Houston County is 7.1x, meaning borrowers took on loans averaging 7.1 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Houston County?
The top mortgage lenders in Houston County by origination volume are Robins Financial Credit Union, Rocket Mortgage, Guild Mortgage Company. In total, 274 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.