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2024 data HMDA 2024 disclosure official source

Taylor County

204 mortgage applications, 34.8% denial rate. Verify FIPS 13269 with U.S. Census Bureau →

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Georgia · FIPS 13269

Local mortgage market. Taylor County, Georgia saw 204 HMDA-reported mortgage applications in 2024. Lenders originated 86 of those loans and denied 71, producing a denial rate of 34.8% and an approval (origination) rate of 42.2%. The average loan amount was $134,559 at an average note rate of 7.30%, with applicants self-reporting average annual income of $39K. 30 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 3.5x, meaning typical borrowers took on mortgages of about 3.5 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 13269 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

204
Applications
86
Originated
34.8%
Denial Rate
42.2%
Approval Rate
$134,559
Avg Loan Amount
7.30%
Avg Interest Rate
$39K
Avg Applicant Income
3.5x
Loan-to-Income Ratio

Nearby Lenders in Taylor 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 17 19.8%
2 Rocket Mortgage 11 12.8%
3 Robins Financial Credit Union 8 9.3%
4 Ameris Bank 8 9.3%
5 21st Mortgage 6 7.0%
Compare Georgia Community Bank vs Rocket Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Taylor County?
In the 2024 HMDA reporting year, 204 mortgage applications were filed in Taylor County, Georgia. Of these, 86 were originated (approved and funded), while 71 were denied, resulting in a denial rate of 34.8%.
What is the mortgage denial rate in Taylor County?
The mortgage denial rate in Taylor County is 34.8%. The approval (origination) rate is 42.2%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Taylor County?
The average mortgage loan amount in Taylor County is $134,559. The average interest rate is 7.296%. The average applicant income is $39K.
What is the loan-to-income ratio in Taylor County?
The average loan-to-income ratio in Taylor County is 3.5x, meaning borrowers took on loans averaging 3.5 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Taylor County?
The top mortgage lenders in Taylor County by origination volume are Georgia Community Bank, Rocket Mortgage, Robins Financial Credit Union. In total, 30 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.