Troup County
Georgia · FIPS 13285
According to CFPB HMDA 2024 application volume among U.S. counties, Troup County ranks #742 of 3,210, and #39 of 159 in Georgia.
Mortgage lending activity in Troup 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. Troup County, Georgia saw 2,872 HMDA-reported mortgage applications in 2024. Lenders originated 1,305 of those loans and denied 556, producing a denial rate of 19.4% and an approval (origination) rate of 45.4%. The average loan amount was $212,692 at an average note rate of 7.07%, with applicants self-reporting average annual income of $39K. 192 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 5.5x, meaning typical borrowers took on mortgages of about 5.5 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 Troup County
In Troup County, lead originator United Wholesale Mortgage funded only 8.5% of 1,305 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 18.9% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Troup County's 2,872 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Troup County's $212,692 average loan (deduped against volume peers).
Lenders active in Troup County
United Wholesale Mortgage funded 111 of the 1,305 loans originated in Troup County, 8.5% of the county. 192 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | United Wholesale Mortgage | 111 | 8.5% |
| 2 | Rocket Mortgage | 76 | 5.8% |
| 3 | Synovus Bank | 60 | 4.6% |
| 4 | SouthState Bank, N.A. | 42 | 3.2% |
| 5 | Colony Bank | 39 | 3.0% |
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 Troup 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 Troup 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.