PlainLender
2024 data HMDA 2024 disclosure official source

Lamar County

942 mortgage applications, 17.9% denial rate. Verify FIPS 13171 with U.S. Census Bureau →

PlainLender home → About this data

Georgia · FIPS 13171

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.

FIPS 13171 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

942
Applications
490
Originated
17.9%
Denial Rate
52.0%
Approval Rate
$449,597
Avg Loan Amount
7.26%
Avg Interest Rate
$38K
Avg Applicant Income
11.8x
Loan-to-Income Ratio

Nearby Lenders in Lamar 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 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%
Compare United Bank vs United Wholesale Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Lamar County?
In the 2024 HMDA reporting year, 942 mortgage applications were filed in Lamar County, Georgia. Of these, 490 were originated (approved and funded), while 169 were denied, resulting in a denial rate of 17.9%.
What is the mortgage denial rate in Lamar County?
The mortgage denial rate in Lamar County is 17.9%. The approval (origination) rate is 52.0%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Lamar County?
The average mortgage loan amount in Lamar County is $449,597. The average interest rate is 7.261%. The average applicant income is $38K.
What is the loan-to-income ratio in Lamar County?
The average loan-to-income ratio in Lamar County is 11.8x, meaning borrowers took on loans averaging 11.8 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Lamar County?
The top mortgage lenders in Lamar County by origination volume are United Bank, United Wholesale Mortgage, Rocket Mortgage. In total, 121 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.