Terrell County
Georgia · FIPS 13273
According to CFPB HMDA 2024 application volume among U.S. counties, Terrell County ranks #2,423 of 3,223, and #124 of 159 in Georgia.
Mortgage lending activity in Terrell 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. Terrell County, Georgia lenders denied 67 of the applications reported here, financing the rest at an average note rate of 7.35%, with applicants self-reporting average annual income of $38K. 41 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 3.6x, meaning typical borrowers took on mortgages of about 3.6 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 Terrell County
In Terrell County, lead originator Georgia Community Bank funded 26.0% of 131 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 55.7% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Terrell County's 277 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Terrell County's $135,036 average loan (deduped against volume peers).
Lenders active in Terrell County
Georgia Community Bank funded 34 of the 131 loans originated in Terrell County, 26.0% of the county. 41 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Georgia Community Bank | 34 | 26.0% |
| 2 | Bank of Dawson | 31 | 23.7% |
| 3 | Rocket Mortgage | 8 | 6.1% |
| 4 | Flagstar Bank NA | 6 | 4.6% |
| 5 | Peoplessouth Bank | 5 | 3.8% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Terrell County, from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024) -- county FIPS codes follow U.S. Census Bureau standards. Not financial advice for Terrell County borrowers. 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.