Lamar County
Georgia · FIPS 13171
According to CFPB HMDA 2024 application volume among U.S. counties, Lamar County ranks #1,480 of 3,210, and #74 of 159 in Georgia.
Mortgage lending activity in Lamar 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. Lamar County, Georgia saw 942 HMDA-reported mortgage applications in 2024. Lenders originated 490 of those loans and denied 169, producing a denial rate of 17.9% and an approval (origination) rate of 52.0%. The average loan amount was $449,597 at an average note rate of 7.26%, with applicants self-reporting average annual income of $38K. 121 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 11.8x, meaning typical borrowers took on mortgages of about 11.8 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 Lamar County
In Lamar County, lead originator United Bank funded 17.6% of 490 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 30.8% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Lamar County's 942 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Lamar County's $449,597 average loan (deduped against volume peers).
Lenders active in Lamar County
United Bank funded 86 of the 490 loans originated in Lamar County, 17.6% of the county. 121 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | United Bank | 86 | 17.6% |
| 2 | United Wholesale Mortgage | 33 | 6.7% |
| 3 | Rocket Mortgage | 32 | 6.5% |
| 4 | New American Funding, LLC. | 16 | 3.3% |
| 5 | Guild Mortgage Company | 14 | 2.9% |
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 Lamar 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 Lamar 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.