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2024 data HMDA 2024 disclosure official source

Rockdale County

5,491 mortgage applications, 23.3% denial rate. Verify FIPS 13247 with U.S. Census Bureau →

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Georgia · FIPS 13247

Local mortgage market. Rockdale County, Georgia saw 5,491 HMDA-reported mortgage applications in 2024. Lenders originated 2,245 of those loans and denied 1,279, producing a denial rate of 23.3% and an approval (origination) rate of 40.9%. The average loan amount was $268,808 at an average note rate of 6.96%, with applicants self-reporting average annual income of $42K. 250 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 6.4x, meaning typical borrowers took on mortgages of about 6.4 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 13247 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

5,491
Applications
2,245
Originated
23.3%
Denial Rate
40.9%
Approval Rate
$268,808
Avg Loan Amount
6.96%
Avg Interest Rate
$42K
Avg Applicant Income
6.4x
Loan-to-Income Ratio

Nearby Lenders in Rockdale 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 Rocket Mortgage 230 10.2%
2 United Wholesale Mortgage 166 7.4%
3 Navy Federal Credit Union 98 4.4%
4 BankSouth Mortgage Company LLC 63 2.8%
5 Loandepot.Com, LLC 58 2.6%
Compare Rocket Mortgage vs United Wholesale Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Rockdale County?
In the 2024 HMDA reporting year, 5,491 mortgage applications were filed in Rockdale County, Georgia. Of these, 2,245 were originated (approved and funded), while 1,279 were denied, resulting in a denial rate of 23.3%.
What is the mortgage denial rate in Rockdale County?
The mortgage denial rate in Rockdale County is 23.3%. The approval (origination) rate is 40.9%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Rockdale County?
The average mortgage loan amount in Rockdale County is $268,808. The average interest rate is 6.960%. The average applicant income is $42K.
What is the loan-to-income ratio in Rockdale County?
The average loan-to-income ratio in Rockdale County is 6.4x, meaning borrowers took on loans averaging 6.4 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Rockdale County?
The top mortgage lenders in Rockdale County by origination volume are Rocket Mortgage, United Wholesale Mortgage, Navy Federal Credit Union. In total, 250 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.