Long County
Georgia · FIPS 13183
According to CFPB HMDA 2024 application volume among U.S. counties, Long County ranks #1,006 of 3,223, and #49 of 159 in Georgia.
Mortgage lending activity in Long 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. Long County, Georgia lenders denied 238 of the applications reported here, financing the rest at an average note rate of 6.55%, with applicants self-reporting average annual income of $41K. 120 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 6.0x, meaning typical borrowers took on mortgages of about 6.0 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 Long County
In Long County, lead originator Mortgage Research Center funded 13.3% of 953 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 34.4% 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 Long County's 1,770 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Long County's $245,034 average loan (deduped against volume peers).
Lenders active in Long County
Mortgage Research Center funded 127 of the 953 loans originated in Long County, 13.3% of the county. 120 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Mortgage Research Center | 127 | 13.3% |
| 2 | United Wholesale Mortgage | 115 | 12.1% |
| 3 | Glennville Bank | 86 | 9.0% |
| 4 | New American Funding, LLC. | 76 | 8.0% |
| 5 | Vanderbilt Mortgage and Finance, INC | 56 | 5.9% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Long County, from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024) -- county FIPS codes follow U.S. Census Bureau standards. Not financial advice for Long County borrowers. 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.