Wilkinson County
Georgia · FIPS 13319
According to CFPB HMDA 2024 application volume among U.S. counties, Wilkinson County ranks #2,582 of 3,210, and #138 of 159 in Georgia.
Mortgage lending activity in Wilkinson 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. Wilkinson County, Georgia saw 202 HMDA-reported mortgage applications in 2024. Lenders originated 81 of those loans and denied 60, producing a denial rate of 29.7% and an approval (origination) rate of 40.1%. The average loan amount was $145,990 at an average note rate of 7.30%, with applicants self-reporting average annual income of $37K. 40 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 3.9x, meaning typical borrowers took on mortgages of about 3.9 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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Wilkinson County
In Wilkinson County, lead originator Robins Financial Credit Union funded 13.6% of 81 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 27.2% of the book; a local credit union or regional bank still sits beside the national wholesalers.
Counties With Similar Application Volume
Nationwide counties nearest to Wilkinson County's 202 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Wilkinson County's $145,990 average loan (deduped against volume peers).
Lenders active in Wilkinson County
Robins Financial Credit Union funded 11 of the 81 loans originated in Wilkinson County, 13.6% of the county. 40 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Robins Financial Credit Union | 11 | 13.6% |
| 2 | Rocket Mortgage | 6 | 7.4% |
| 3 | Morris Bank | 5 | 6.2% |
| 4 | United Wholesale Mortgage | 5 | 6.2% |
| 5 | Magnolia State Bank | 3 | 3.7% |
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 Wilkinson 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 Wilkinson 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.