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2024 data HMDA 2024 disclosure official source

Richmond County

6,937 mortgage applications, 19.5% denial rate. Verify FIPS 13245 with U.S. Census Bureau →

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Georgia · FIPS 13245

Local mortgage market. Richmond County, Georgia saw 6,937 HMDA-reported mortgage applications in 2024. Lenders originated 3,149 of those loans and denied 1,351, producing a denial rate of 19.5% and an approval (origination) rate of 45.4%. The average loan amount was $200,530 at an average note rate of 6.78%, with applicants self-reporting average annual income of $39K. 260 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 5.1x, meaning typical borrowers took on mortgages of about 5.1 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 13245 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

6,937
Applications
3,149
Originated
19.5%
Denial Rate
45.4%
Approval Rate
$200,530
Avg Loan Amount
6.78%
Avg Interest Rate
$39K
Avg Applicant Income
5.1x
Loan-to-Income Ratio

Nearby Lenders in Richmond 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 SouthState Bank, N.A. 257 8.2%
2 Rocket Mortgage 250 7.9%
3 United Wholesale Mortgage 164 5.2%
4 Guild Mortgage Company 162 5.1%
5 Navy Federal Credit Union 125 4.0%
Compare SouthState Bank, N.A. vs Rocket Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Richmond County?
In the 2024 HMDA reporting year, 6,937 mortgage applications were filed in Richmond County, Georgia. Of these, 3,149 were originated (approved and funded), while 1,351 were denied, resulting in a denial rate of 19.5%.
What is the mortgage denial rate in Richmond County?
The mortgage denial rate in Richmond County is 19.5%. The approval (origination) rate is 45.4%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Richmond County?
The average mortgage loan amount in Richmond County is $200,530. The average interest rate is 6.775%. The average applicant income is $39K.
What is the loan-to-income ratio in Richmond County?
The average loan-to-income ratio in Richmond County is 5.1x, meaning borrowers took on loans averaging 5.1 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Richmond County?
The top mortgage lenders in Richmond County by origination volume are SouthState Bank, N.A., Rocket Mortgage, United Wholesale Mortgage. In total, 260 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.