Twiggs County
Georgia · FIPS 13289
According to CFPB HMDA 2024 application volume among U.S. counties, Twiggs County ranks #2,563 of 3,223, and #133 of 159 in Georgia.
Mortgage lending activity in Twiggs 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. Twiggs County, Georgia lenders denied 67 of the applications reported here, financing the rest at an average note rate of 7.28%, with applicants self-reporting average annual income of $37K. 41 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 4.1x, meaning typical borrowers took on mortgages of about 4.1 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 Twiggs County
In Twiggs County, lead originator Robins Financial Credit Union funded only 9.9% of 81 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 25.9% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Twiggs County's 211 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Twiggs County's $150,687 average loan (deduped against volume peers).
Lenders active in Twiggs County
Robins Financial Credit Union funded 8 of the 81 loans originated in Twiggs County, 9.9% of the county. 41 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Robins Financial Credit Union | 8 | 9.9% |
| 2 | Rocket Mortgage | 7 | 8.6% |
| 3 | 21st Mortgage | 6 | 7.4% |
| 4 | United Wholesale Mortgage | 5 | 6.2% |
| 5 | Bank of Dudley | 4 | 4.9% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Twiggs County, from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024) -- county FIPS codes follow U.S. Census Bureau standards. Not financial advice for Twiggs County borrowers. 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.