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2024 data HMDA 2024 disclosure official source

Union County

1,398 mortgage applications, 16.2% denial rate. Verify FIPS 13291 with U.S. Census Bureau →

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Georgia · FIPS 13291

Local mortgage market. Union County, Georgia saw 1,398 HMDA-reported mortgage applications in 2024. Lenders originated 759 of those loans and denied 227, producing a denial rate of 16.2% and an approval (origination) rate of 54.3%. The average loan amount was $254,485 at an average note rate of 7.10%, with applicants self-reporting average annual income of $37K. 162 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 6.9x, meaning typical borrowers took on mortgages of about 6.9 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 13291 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

1,398
Applications
759
Originated
16.2%
Denial Rate
54.3%
Approval Rate
$254,485
Avg Loan Amount
7.10%
Avg Interest Rate
$37K
Avg Applicant Income
6.9x
Loan-to-Income Ratio

Nearby Lenders in Union 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 United Community Bank 146 19.2%
2 Rocket Mortgage 77 10.1%
3 Vanderbilt Mortgage and Finance, INC 35 4.6%
4 SouthState Bank, N.A. 33 4.3%
5 United Wholesale Mortgage 33 4.3%
Compare United Community Bank vs Rocket Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Union County?
In the 2024 HMDA reporting year, 1,398 mortgage applications were filed in Union County, Georgia. Of these, 759 were originated (approved and funded), while 227 were denied, resulting in a denial rate of 16.2%.
What is the mortgage denial rate in Union County?
The mortgage denial rate in Union County is 16.2%. The approval (origination) rate is 54.3%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Union County?
The average mortgage loan amount in Union County is $254,485. The average interest rate is 7.102%. The average applicant income is $37K.
What is the loan-to-income ratio in Union County?
The average loan-to-income ratio in Union County is 6.9x, meaning borrowers took on loans averaging 6.9 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Union County?
The top mortgage lenders in Union County by origination volume are United Community Bank, Rocket Mortgage, Vanderbilt Mortgage and Finance, INC. In total, 162 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.