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2024 data HMDA 2024 disclosure official source

Peach County

1,353 mortgage applications, 19.3% denial rate. Verify FIPS 13225 with U.S. Census Bureau →

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Georgia · FIPS 13225

Local mortgage market. Peach County, Georgia saw 1,353 HMDA-reported mortgage applications in 2024. Lenders originated 599 of those loans and denied 261, producing a denial rate of 19.3% and an approval (origination) rate of 44.3%. The average loan amount was $191,135 at an average note rate of 6.78%, with applicants self-reporting average annual income of $38K. 120 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 5.0x, meaning typical borrowers took on mortgages of about 5.0 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.

FIPS 13225 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

1,353
Applications
599
Originated
19.3%
Denial Rate
44.3%
Approval Rate
$191,135
Avg Loan Amount
6.78%
Avg Interest Rate
$38K
Avg Applicant Income
5.0x
Loan-to-Income Ratio

Nearby Lenders in Peach 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 Robins Financial Credit Union 83 13.9%
2 Rocket Mortgage 55 9.2%
3 Atlantic Bay Mortgage Group 37 6.2%
4 United Wholesale Mortgage 37 6.2%
5 Guild Mortgage Company 26 4.3%
Compare Robins Financial Credit Union vs Rocket Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Peach County?
In the 2024 HMDA reporting year, 1,353 mortgage applications were filed in Peach County, Georgia. Of these, 599 were originated (approved and funded), while 261 were denied, resulting in a denial rate of 19.3%.
What is the mortgage denial rate in Peach County?
The mortgage denial rate in Peach County is 19.3%. The approval (origination) rate is 44.3%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Peach County?
The average mortgage loan amount in Peach County is $191,135. The average interest rate is 6.776%. The average applicant income is $38K.
What is the loan-to-income ratio in Peach County?
The average loan-to-income ratio in Peach County is 5.0x, meaning borrowers took on loans averaging 5.0 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Peach County?
The top mortgage lenders in Peach County by origination volume are Robins Financial Credit Union, Rocket Mortgage, Atlantic Bay Mortgage Group. In total, 120 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.