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2024 data HMDA 2024 disclosure official source

Muscogee County

6,671 mortgage applications, 15.9% denial rate. Verify FIPS 13215 with U.S. Census Bureau →

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Georgia · FIPS 13215

Local mortgage market. Muscogee County, Georgia saw 6,671 HMDA-reported mortgage applications in 2024. Lenders originated 3,196 of those loans and denied 1,062, producing a denial rate of 15.9% and an approval (origination) rate of 47.9%. The average loan amount was $201,260 at an average note rate of 7.05%, with applicants self-reporting average annual income of $38K. 255 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 5.3x, meaning typical borrowers took on mortgages of about 5.3 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 13215 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

6,671
Applications
3,196
Originated
15.9%
Denial Rate
47.9%
Approval Rate
$201,260
Avg Loan Amount
7.05%
Avg Interest Rate
$38K
Avg Applicant Income
5.3x
Loan-to-Income Ratio

Nearby Lenders in Muscogee 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 Synovus Bank 310 9.7%
2 Rocket Mortgage 219 6.9%
3 Canopy Mortgage, LLC 190 5.9%
4 United Wholesale Mortgage 179 5.6%
5 Mortgage Research Center 166 5.2%
Compare Synovus Bank vs Rocket Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Muscogee County?
In the 2024 HMDA reporting year, 6,671 mortgage applications were filed in Muscogee County, Georgia. Of these, 3,196 were originated (approved and funded), while 1,062 were denied, resulting in a denial rate of 15.9%.
What is the mortgage denial rate in Muscogee County?
The mortgage denial rate in Muscogee County is 15.9%. The approval (origination) rate is 47.9%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Muscogee County?
The average mortgage loan amount in Muscogee County is $201,260. The average interest rate is 7.049%. The average applicant income is $38K.
What is the loan-to-income ratio in Muscogee County?
The average loan-to-income ratio in Muscogee County is 5.3x, meaning borrowers took on loans averaging 5.3 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Muscogee County?
The top mortgage lenders in Muscogee County by origination volume are Synovus Bank, Rocket Mortgage, Canopy Mortgage, LLC. In total, 255 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.