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2024 data HMDA 2024 disclosure official source

Walton County

5,651 mortgage applications, 16.7% denial rate. Verify FIPS 13297 with U.S. Census Bureau →

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Georgia · FIPS 13297

Local mortgage market. Walton County, Georgia saw 5,651 HMDA-reported mortgage applications in 2024. Lenders originated 2,772 of those loans and denied 945, producing a denial rate of 16.7% and an approval (origination) rate of 49.1%. The average loan amount was $318,323 at an average note rate of 7.10%, with applicants self-reporting average annual income of $40K. 260 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 8.0x, meaning typical borrowers took on mortgages of about 8.0 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 13297 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

5,651
Applications
2,772
Originated
16.7%
Denial Rate
49.1%
Approval Rate
$318,323
Avg Loan Amount
7.10%
Avg Interest Rate
$40K
Avg Applicant Income
8.0x
Loan-to-Income Ratio

Nearby Lenders in Walton 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 Rocket Mortgage 249 9.0%
2 United Wholesale Mortgage 169 6.1%
3 Fairway Independent Mort CORP 117 4.2%
4 Nfm, INC 86 3.1%
5 FBC Mortgage, LLC 79 2.8%
Compare Rocket Mortgage vs United Wholesale Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Walton County?
In the 2024 HMDA reporting year, 5,651 mortgage applications were filed in Walton County, Georgia. Of these, 2,772 were originated (approved and funded), while 945 were denied, resulting in a denial rate of 16.7%.
What is the mortgage denial rate in Walton County?
The mortgage denial rate in Walton County is 16.7%. The approval (origination) rate is 49.1%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Walton County?
The average mortgage loan amount in Walton County is $318,323. The average interest rate is 7.103%. The average applicant income is $40K.
What is the loan-to-income ratio in Walton County?
The average loan-to-income ratio in Walton County is 8.0x, meaning borrowers took on loans averaging 8.0 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Walton County?
The top mortgage lenders in Walton County by origination volume are Rocket Mortgage, United Wholesale Mortgage, Fairway Independent Mort CORP. In total, 260 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.