Tift County
Georgia · FIPS 13277
According to CFPB HMDA 2024 application volume among U.S. counties, Tift County ranks #1,392 of 3,210, and #72 of 159 in Georgia.
Mortgage lending activity in Tift 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. Tift County, Georgia saw 1,036 HMDA-reported mortgage applications in 2024. Lenders originated 475 of those loans and denied 238, producing a denial rate of 23.0% and an approval (origination) rate of 45.8%. The average loan amount was $194,392 at an average note rate of 7.18%, with applicants self-reporting average annual income of $38K. 108 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 5.1x, meaning typical borrowers took on mortgages of about 5.1 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 Tift County
In Tift County, lead originator Rocket Mortgage funded only 10.1% of 475 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 22.9% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Tift County's 1,036 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Tift County's $194,392 average loan (deduped against volume peers).
Lenders active in Tift County
Rocket Mortgage funded 48 of the 475 loans originated in Tift County, 10.1% of the county. 108 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Rocket Mortgage | 48 | 10.1% |
| 2 | South Georgia Banking Company | 31 | 6.5% |
| 3 | Canopy Mortgage, LLC | 30 | 6.3% |
| 4 | Synovus Bank | 25 | 5.3% |
| 5 | Commercial Banking Company | 25 | 5.3% |
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; does not constitute financial advice for Tift County borrowers.
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 Tift County 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. 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.