Toombs County
Georgia · FIPS 13279
According to CFPB HMDA 2024 application volume among U.S. counties, Toombs County ranks #1,917 of 3,210, and #102 of 159 in Georgia.
Mortgage lending activity in Toombs 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. Toombs County, Georgia saw 565 HMDA-reported mortgage applications in 2024. Lenders originated 224 of those loans and denied 138, producing a denial rate of 24.4% and an approval (origination) rate of 39.6%. The average loan amount was $165,920 at an average note rate of 7.25%, with applicants self-reporting average annual income of $37K. 81 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 4.5x, meaning typical borrowers took on mortgages of about 4.5 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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Toombs County
In Toombs County, lead originator Rocket Mortgage funded 13.4% of 224 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 25.0% of the book; a local credit union or regional bank still sits beside the national wholesalers.
Counties With Similar Application Volume
Nationwide counties nearest to Toombs County's 565 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Toombs County's $165,920 average loan (deduped against volume peers).
Lenders active in Toombs County
Rocket Mortgage funded 30 of the 224 loans originated in Toombs County, 13.4% of the county. 81 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Rocket Mortgage | 30 | 13.4% |
| 2 | 21st Mortgage | 14 | 6.3% |
| 3 | Mortgage Research Center | 12 | 5.4% |
| 4 | United Wholesale Mortgage | 9 | 4.0% |
| 5 | Ameris Bank | 9 | 4.0% |
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 Toombs 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 Toombs 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.