PlainLender
2024 data HMDA 2024 disclosure official source

Warren County

133 mortgage applications, 39.1% denial rate. Verify FIPS 13301 with U.S. Census Bureau →

PlainLender home → About this data

Georgia · FIPS 13301

Local mortgage market. Warren County, Georgia saw 133 HMDA-reported mortgage applications in 2024. Lenders originated 45 of those loans and denied 52, producing a denial rate of 39.1% and an approval (origination) rate of 33.8%. The average loan amount was $164,023 at an average note rate of 7.11%, with applicants self-reporting average annual income of $37K. 30 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 4.4x, meaning typical borrowers took on mortgages of about 4.4 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 13301 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

133
Applications
45
Originated
39.1%
Denial Rate
33.8%
Approval Rate
$164,023
Avg Loan Amount
7.11%
Avg Interest Rate
$37K
Avg Applicant Income
4.4x
Loan-to-Income Ratio

Nearby Lenders in Warren 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 First Ciitizens Bank and Trust 4 8.9%
2 First State Bank 3 6.7%
3 F & M Bank 3 6.7%
4 Queensborough National Bank and Trust 3 6.7%
5 SouthState Bank, N.A. 2 4.4%
Compare First Ciitizens Bank and Trust vs First State Bank →

Frequently Asked Questions

How many mortgage applications were filed in Warren County?
In the 2024 HMDA reporting year, 133 mortgage applications were filed in Warren County, Georgia. Of these, 45 were originated (approved and funded), while 52 were denied, resulting in a denial rate of 39.1%.
What is the mortgage denial rate in Warren County?
The mortgage denial rate in Warren County is 39.1%. The approval (origination) rate is 33.8%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Warren County?
The average mortgage loan amount in Warren County is $164,023. The average interest rate is 7.107%. The average applicant income is $37K.
What is the loan-to-income ratio in Warren County?
The average loan-to-income ratio in Warren County is 4.4x, meaning borrowers took on loans averaging 4.4 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Warren County?
The top mortgage lenders in Warren County by origination volume are First Ciitizens Bank and Trust, First State Bank, F & M Bank. In total, 30 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.