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2024 data HMDA 2024 disclosure official source

Morgan County

849 mortgage applications, 19.6% denial rate. Verify FIPS 13211 with U.S. Census Bureau →

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Georgia · FIPS 13211

Local mortgage market. Morgan County, Georgia saw 849 HMDA-reported mortgage applications in 2024. Lenders originated 426 of those loans and denied 166, producing a denial rate of 19.6% and an approval (origination) rate of 50.2%. The average loan amount was $308,710 at an average note rate of 7.28%, with applicants self-reporting average annual income of $37K. 122 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 8.3x, meaning typical borrowers took on mortgages of about 8.3 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 13211 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

849
Applications
426
Originated
19.6%
Denial Rate
50.2%
Approval Rate
$308,710
Avg Loan Amount
7.28%
Avg Interest Rate
$37K
Avg Applicant Income
8.3x
Loan-to-Income Ratio

Nearby Lenders in Morgan 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 Fairway Independent Mort CORP 36 8.5%
2 Rocket Mortgage 33 7.7%
3 United Bank 30 7.0%
4 Pennymac Loan Services LLC 25 5.9%
5 United Wholesale Mortgage 16 3.8%
Compare Fairway Independent Mort CORP vs Rocket Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Morgan County?
In the 2024 HMDA reporting year, 849 mortgage applications were filed in Morgan County, Georgia. Of these, 426 were originated (approved and funded), while 166 were denied, resulting in a denial rate of 19.6%.
What is the mortgage denial rate in Morgan County?
The mortgage denial rate in Morgan County is 19.6%. The approval (origination) rate is 50.2%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Morgan County?
The average mortgage loan amount in Morgan County is $308,710. The average interest rate is 7.276%. The average applicant income is $37K.
What is the loan-to-income ratio in Morgan County?
The average loan-to-income ratio in Morgan County is 8.3x, meaning borrowers took on loans averaging 8.3 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Morgan County?
The top mortgage lenders in Morgan County by origination volume are Fairway Independent Mort CORP, Rocket Mortgage, United Bank. In total, 122 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.