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2024 data HMDA 2024 disclosure official source

Terrell County

277 mortgage applications, 24.2% denial rate. Verify FIPS 13273 with U.S. Census Bureau →

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Georgia · FIPS 13273

Local mortgage market. Terrell County, Georgia saw 277 HMDA-reported mortgage applications in 2024. Lenders originated 131 of those loans and denied 67, producing a denial rate of 24.2% and an approval (origination) rate of 47.3%. The average loan amount was $135,036 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.

FIPS 13273 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

277
Applications
131
Originated
24.2%
Denial Rate
47.3%
Approval Rate
$135,036
Avg Loan Amount
7.35%
Avg Interest Rate
$38K
Avg Applicant Income
3.6x
Loan-to-Income Ratio

Nearby Lenders in Terrell 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 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%
Compare Georgia Community Bank vs Bank of Dawson →

Frequently Asked Questions

How many mortgage applications were filed in Terrell County?
In the 2024 HMDA reporting year, 277 mortgage applications were filed in Terrell County, Georgia. Of these, 131 were originated (approved and funded), while 67 were denied, resulting in a denial rate of 24.2%.
What is the mortgage denial rate in Terrell County?
The mortgage denial rate in Terrell County is 24.2%. The approval (origination) rate is 47.3%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Terrell County?
The average mortgage loan amount in Terrell County is $135,036. The average interest rate is 7.348%. The average applicant income is $38K.
What is the loan-to-income ratio in Terrell County?
The average loan-to-income ratio in Terrell County is 3.6x, meaning borrowers took on loans averaging 3.6 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Terrell County?
The top mortgage lenders in Terrell County by origination volume are Georgia Community Bank, Bank of Dawson, Rocket Mortgage. In total, 41 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.