Pickens County
Georgia · FIPS 13227
According to CFPB HMDA 2024 application volume among U.S. counties, Pickens County ranks #903 of 3,210, and #43 of 159 in Georgia.
Mortgage lending activity in Pickens 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. Pickens County, Georgia saw 2,122 HMDA-reported mortgage applications in 2024. Lenders originated 1,043 of those loans and denied 345, producing a denial rate of 16.3% and an approval (origination) rate of 49.2%. The average loan amount was $576,489 at an average note rate of 7.16%, with applicants self-reporting average annual income of $38K. 182 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 15.2x, meaning typical borrowers took on mortgages of about 15.2 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 Pickens County
In Pickens County, lead originator United Community Bank funded only 7.0% of 1,043 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 20.6% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Pickens County's 2,122 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Pickens County's $576,489 average loan (deduped against volume peers).
Lenders active in Pickens County
United Community Bank funded 73 of the 1,043 loans originated in Pickens County, 7.0% of the county. 182 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | United Community Bank | 73 | 7.0% |
| 2 | United Wholesale Mortgage | 72 | 6.9% |
| 3 | Rocket Mortgage | 70 | 6.7% |
| 4 | Towne Mortgage Company | 33 | 3.2% |
| 5 | Renasant Bank | 31 | 3.0% |
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; does not constitute financial advice for Pickens County borrowers.
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 Pickens County 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. 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.