Jones County
Georgia · FIPS 13169
According to CFPB HMDA 2024 application volume among U.S. counties, Jones County ranks #1,359 of 3,210, and #70 of 159 in Georgia.
Mortgage lending activity in Jones 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. Jones County, Georgia saw 1,072 HMDA-reported mortgage applications in 2024. Lenders originated 478 of those loans and denied 248, producing a denial rate of 23.1% and an approval (origination) rate of 44.6%. The average loan amount was $190,821 at an average note rate of 6.93%, with applicants self-reporting average annual income of $38K. 111 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 5.0x, meaning typical borrowers took on mortgages of about 5.0 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 Jones County
In Jones County, lead originator Robins Financial Credit Union funded 12.6% of 478 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 25.9% of the book; a local credit union or regional bank still sits beside the national wholesalers.
Counties With Similar Application Volume
Nationwide counties nearest to Jones County's 1,072 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Jones County's $190,821 average loan (deduped against volume peers).
Lenders active in Jones County
Robins Financial Credit Union funded 60 of the 478 loans originated in Jones County, 12.6% of the county. 111 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Robins Financial Credit Union | 60 | 12.6% |
| 2 | Rocket Mortgage | 40 | 8.4% |
| 3 | United Wholesale Mortgage | 24 | 5.0% |
| 4 | Cadence Bank | 21 | 4.4% |
| 5 | First Colony Mortgage Corporation | 19 | 4.0% |
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 Jones 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 Jones 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.