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2024 data HMDA 2024 disclosure official source

Thomas County

1,492 mortgage applications, 23.9% denial rate. Verify FIPS 13275 with U.S. Census Bureau →

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Georgia · FIPS 13275

Local mortgage market. Thomas County, Georgia saw 1,492 HMDA-reported mortgage applications in 2024. Lenders originated 736 of those loans and denied 356, producing a denial rate of 23.9% and an approval (origination) rate of 49.3%. The average loan amount was $211,776 at an average note rate of 7.04%, with applicants self-reporting average annual income of $38K. 131 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 5.6x, meaning typical borrowers took on mortgages of about 5.6 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 13275 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

1,492
Applications
736
Originated
23.9%
Denial Rate
49.3%
Approval Rate
$211,776
Avg Loan Amount
7.04%
Avg Interest Rate
$38K
Avg Applicant Income
5.6x
Loan-to-Income Ratio

Nearby Lenders in Thomas 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 Thomasville National Bank 137 18.6%
2 Flagstar Bank NA 58 7.9%
3 Rocket Mortgage 55 7.5%
4 First Commerce Credit Union 52 7.1%
5 First Reliance Bank 42 5.7%
Compare Thomasville National Bank vs Flagstar Bank NA →

Frequently Asked Questions

How many mortgage applications were filed in Thomas County?
In the 2024 HMDA reporting year, 1,492 mortgage applications were filed in Thomas County, Georgia. Of these, 736 were originated (approved and funded), while 356 were denied, resulting in a denial rate of 23.9%.
What is the mortgage denial rate in Thomas County?
The mortgage denial rate in Thomas County is 23.9%. The approval (origination) rate is 49.3%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Thomas County?
The average mortgage loan amount in Thomas County is $211,776. The average interest rate is 7.037%. The average applicant income is $38K.
What is the loan-to-income ratio in Thomas County?
The average loan-to-income ratio in Thomas County is 5.6x, meaning borrowers took on loans averaging 5.6 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Thomas County?
The top mortgage lenders in Thomas County by origination volume are Thomasville National Bank, Flagstar Bank NA, Rocket Mortgage. In total, 131 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.