Oglethorpe County
Georgia · FIPS 13221
According to CFPB HMDA 2024 application volume among U.S. counties, Oglethorpe County ranks #1,811 of 3,223, and #95 of 159 in Georgia.
Mortgage lending activity in Oglethorpe 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. Oglethorpe County, Georgia lenders denied 113 of the applications reported here, financing the rest at an average note rate of 7.10%, with applicants self-reporting average annual income of $39K. 93 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 5.6x, meaning typical borrowers took on mortgages of about 5.6 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 Oglethorpe County
In Oglethorpe County, lead originator Rocket Mortgage funded only 8.0% of 325 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 19.1% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Oglethorpe County's 654 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Oglethorpe County's $217,737 average loan (deduped against volume peers).
Lenders active in Oglethorpe County
Rocket Mortgage funded 26 of the 325 loans originated in Oglethorpe County, 8.0% of the county. 93 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Rocket Mortgage | 26 | 8.0% |
| 2 | United Wholesale Mortgage | 21 | 6.5% |
| 3 | American Pacific Mortgage Corporation | 15 | 4.6% |
| 4 | BankSouth Mortgage Company LLC | 12 | 3.7% |
| 5 | Guaranteed Rate, INC. | 11 | 3.4% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Oglethorpe 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 Oglethorpe 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.