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2024 data HMDA 2024 disclosure official source

Laurens County

1,374 mortgage applications, 24.9% denial rate. Verify FIPS 13175 with U.S. Census Bureau →

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Georgia · FIPS 13175

Local mortgage market. Laurens County, Georgia saw 1,374 HMDA-reported mortgage applications in 2024. Lenders originated 599 of those loans and denied 342, producing a denial rate of 24.9% and an approval (origination) rate of 43.6%. The average loan amount was $170,175 at an average note rate of 7.05%, with applicants self-reporting average annual income of $38K. 117 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 4.5x, meaning typical borrowers took on mortgages of about 4.5 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 13175 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

1,374
Applications
599
Originated
24.9%
Denial Rate
43.6%
Approval Rate
$170,175
Avg Loan Amount
7.05%
Avg Interest Rate
$38K
Avg Applicant Income
4.5x
Loan-to-Income Ratio

Nearby Lenders in Laurens 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 Rocket Mortgage 74 12.4%
2 Bank of Dudley 57 9.5%
3 Robins Financial Credit Union 56 9.3%
4 Morris Bank 30 5.0%
5 Mortgage Research Center 24 4.0%
Compare Rocket Mortgage vs Bank of Dudley →

Frequently Asked Questions

How many mortgage applications were filed in Laurens County?
In the 2024 HMDA reporting year, 1,374 mortgage applications were filed in Laurens County, Georgia. Of these, 599 were originated (approved and funded), while 342 were denied, resulting in a denial rate of 24.9%.
What is the mortgage denial rate in Laurens County?
The mortgage denial rate in Laurens County is 24.9%. The approval (origination) rate is 43.6%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Laurens County?
The average mortgage loan amount in Laurens County is $170,175. The average interest rate is 7.049%. The average applicant income is $38K.
What is the loan-to-income ratio in Laurens County?
The average loan-to-income ratio in Laurens County is 4.5x, meaning borrowers took on loans averaging 4.5 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Laurens County?
The top mortgage lenders in Laurens County by origination volume are Rocket Mortgage, Bank of Dudley, Robins Financial Credit Union. In total, 117 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.