PlainLender
2024 data HMDA 2024 disclosure official source

Randolph County

120 mortgage applications, 40.8% denial rate. Verify FIPS 13243 with U.S. Census Bureau →

PlainLender home → About this data

Georgia · FIPS 13243

Local mortgage market. Randolph County, Georgia saw 120 HMDA-reported mortgage applications in 2024. Lenders originated 43 of those loans and denied 49, producing a denial rate of 40.8% and an approval (origination) rate of 35.8%. The average loan amount was $109,417 at an average note rate of 7.58%, with applicants self-reporting average annual income of $37K. 23 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 3.0x, meaning typical borrowers took on mortgages of about 3.0 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 13243 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

120
Applications
43
Originated
40.8%
Denial Rate
35.8%
Approval Rate
$109,417
Avg Loan Amount
7.58%
Avg Interest Rate
$37K
Avg Applicant Income
3.0x
Loan-to-Income Ratio

Nearby Lenders in Randolph 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 Georgia Community Bank 11 25.6%
2 Rocket Mortgage 4 9.3%
3 Bank of Dawson 4 9.3%
4 First State Bank of Blakely 3 7.0%
5 Calcon Mutual Mortgage LLC 2 4.7%
Compare Georgia Community Bank vs Rocket Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Randolph County?
In the 2024 HMDA reporting year, 120 mortgage applications were filed in Randolph County, Georgia. Of these, 43 were originated (approved and funded), while 49 were denied, resulting in a denial rate of 40.8%.
What is the mortgage denial rate in Randolph County?
The mortgage denial rate in Randolph County is 40.8%. The approval (origination) rate is 35.8%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Randolph County?
The average mortgage loan amount in Randolph County is $109,417. The average interest rate is 7.575%. The average applicant income is $37K.
What is the loan-to-income ratio in Randolph County?
The average loan-to-income ratio in Randolph County is 3.0x, meaning borrowers took on loans averaging 3.0 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Randolph County?
The top mortgage lenders in Randolph County by origination volume are Georgia Community Bank, Rocket Mortgage, Bank of Dawson. In total, 23 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.