Mortgage lending in Lincoln County, Georgia
Lenders in Lincoln County, Georgia reported 313 mortgage applications for 2025, according to the CFPB.
313 mortgage applications and 183 loans originated in 2025; the denial rate was 21.8% of 252 applications decided. The median loan was about $235,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Lincoln County, GA HUD Metro FMR Area.
- 313
- Applications
- 183
- Loans originated
- 21.8%
- Denial rate
- 55 denied of 252 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 313 | 183 |
| 2024 | 270 | 172 |
| 2023 | 283 | 168 |
| 2022 | 301 | 184 |
| 2021 | 423 | 265 |
| 2020 | 368 | 231 |
| 2019 | 325 | 199 |
| 2018 | 288 | 171 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Farmers State Bank | 27 | 27 |
| Rocket Mortgage | 20 | 32 |
| F & M Bank | 17 | 19 |
| SRP Federal Credit Union | 12 | 18 |
| United Wholesale Mortgage | 7 | 7 |
| Ameris Bank | 5 | 6 |
| Pennymac Loan Services LLC | 5 | 6 |
| Vanderbilt Mortgage and Finance, Inc | 4 | 14 |
| Mortgage Research Center | 4 | 7 |
| Southstate Bank, National Association | 4 | 5 |
| Regions Bank | 4 | 7 |
| First Ciitizens Bank and Trust | 4 | 6 |
| Queensborough National Bank and Trust | 3 | 4 |
| Navy Federal Credit Union | 3 | 6 |
| Guild Mortgage Company | 3 | 5 |
| Movement Mortgage, LLC | 3 | 3 |
| New American Funding, LLC. | 3 | 4 |
| Fairway Independent Mort Corp | 3 | 4 |
| Mutual of Omaha Mortgage | 3 | 4 |
| Truist Bank | 3 | 3 |
| Colony Bank | 2 | 3 |
| loanDepot.com LLC | 2 | 4 |
| AgGeorgia Farm Credit | 2 | 2 |
| Bank of America NA | 2 | 6 |
| Citizens Bank, NA | 2 | 4 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 13 | no rate: base under 50 |
| Asian | under 10 | |
| Black or African American | 36 | no rate: base under 50 |
| White | 216 | 19.0% of 179 decided |
| 2 or more minority races | under 10 | |
| Joint | under 10 | |
| Race Not Available | 45 | no rate: base under 50 |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | under 10 | |
| Not Hispanic or Latino | 253 | 20.1% of 204 decided |
| Joint | under 10 | |
| Ethnicity Not Available | 51 | no rate: base under 50 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 122 | 22.1% of 95 decided |
| Female | 58 | no rate: base under 50 |
| Joint | 107 | 13.6% of 88 decided |
| Sex Not Available | 26 | no rate: base under 50 |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 672 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved