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2024 data HMDA 2024 disclosure official source

Liberty County

4,343 mortgage applications, 14.3% denial rate. Verify FIPS 13179 with U.S. Census Bureau →

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Georgia · FIPS 13179

Local mortgage market. Liberty County, Georgia saw 4,343 HMDA-reported mortgage applications in 2024. Lenders originated 2,054 of those loans and denied 619, producing a denial rate of 14.3% and an approval (origination) rate of 47.3%. The average loan amount was $222,762 at an average note rate of 6.72%, with applicants self-reporting average annual income of $41K. 186 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 5.4x, meaning typical borrowers took on mortgages of about 5.4 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 13179 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

4,343
Applications
2,054
Originated
14.3%
Denial Rate
47.3%
Approval Rate
$222,762
Avg Loan Amount
6.72%
Avg Interest Rate
$41K
Avg Applicant Income
5.4x
Loan-to-Income Ratio

Nearby Lenders in Liberty 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 Mortgage Research Center 279 13.6%
2 United Wholesale Mortgage 196 9.5%
3 Rocket Mortgage 143 7.0%
4 Navy Federal Credit Union 117 5.7%
5 Vanderbilt Mortgage and Finance, INC 95 4.6%
Compare Mortgage Research Center vs United Wholesale Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Liberty County?
In the 2024 HMDA reporting year, 4,343 mortgage applications were filed in Liberty County, Georgia. Of these, 2,054 were originated (approved and funded), while 619 were denied, resulting in a denial rate of 14.3%.
What is the mortgage denial rate in Liberty County?
The mortgage denial rate in Liberty County is 14.3%. The approval (origination) rate is 47.3%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Liberty County?
The average mortgage loan amount in Liberty County is $222,762. The average interest rate is 6.719%. The average applicant income is $41K.
What is the loan-to-income ratio in Liberty County?
The average loan-to-income ratio in Liberty County is 5.4x, meaning borrowers took on loans averaging 5.4 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Liberty County?
The top mortgage lenders in Liberty County by origination volume are Mortgage Research Center, United Wholesale Mortgage, Rocket Mortgage. In total, 186 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.