Mortgage lending in Lowndes County, Georgia
Lenders in Lowndes County, Georgia reported 4,762 mortgage applications for 2025, according to the CFPB.
4,762 mortgage applications and 2,788 loans originated in 2025; the denial rate was 21.9% of 3,779 applications decided. The median loan was about $215,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Valdosta, GA MSA.
- 4,762
- Applications
- 2,788
- Loans originated
- 21.9%
- Denial rate
- 828 denied of 3,779 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 4,762 | 2,788 |
| 2024 | 4,234 | 2,517 |
| 2023 | 3,716 | 2,145 |
| 2022 | 5,071 | 3,226 |
| 2021 | 7,046 | 4,680 |
| 2020 | 5,858 | 4,014 |
| 2019 | 4,104 | 2,756 |
| 2018 | 3,699 | 2,452 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Rocket Mortgage | 165 | 237 |
| Ameris Bank | 162 | 221 |
| Mortgage Research Center | 156 | 281 |
| United Wholesale Mortgage | 134 | 189 |
| First Federal S&L Association | 127 | 127 |
| DHI Mortgage Company, LTD. | 125 | 184 |
| Renasant Bank | 106 | 146 |
| Fairway Independent Mort Corp | 97 | 147 |
| BankSouth Mortgage Company LLC | 82 | 92 |
| Guardian Bank | 81 | 82 |
| Southeastern Credit Union | 81 | 85 |
| Farmers and Merchants Bank | 77 | 86 |
| BoxCar Mortgage, LLC | 73 | 87 |
| Freedom Mortgage Corporation | 71 | 143 |
| Commercial Banking Company | 69 | 75 |
| Bank Ozk | 65 | 95 |
| Citizens Community Bank | 45 | 52 |
| Synovus Bank | 44 | 71 |
| Pennymac Loan Services LLC | 44 | 95 |
| First Commerce Credit Union | 42 | 75 |
| Newrez LLC | 40 | 73 |
| Navy Federal Credit Union | 35 | 88 |
| Colony Bank | 34 | 44 |
| Constructive Loans LLC | 31 | 31 |
| Guild Mortgage Company | 27 | 34 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 21 | no rate: base under 50 |
| Asian | 109 | 26.7% of 86 decided |
| Black or African American | 997 | 34.8% of 767 decided |
| Native Hawaiian or Other Pacific Islander | withheld | |
| White | 2,456 | 17.8% of 1,968 decided |
| 2 or more minority races | 16 | no rate: base under 50 |
| Joint | 86 | 21.4% of 70 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 1,066 | 18.3% of 847 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 258 | 23.8% of 210 decided |
| Not Hispanic or Latino | 3,376 | 22.5% of 2,681 decided |
| Joint | withheld | |
| Ethnicity Not Available | 1,045 | 19.9% of 825 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 1,816 | 23.0% of 1,420 decided |
| Female | 1,037 | 30.7% of 818 decided |
| Joint | 1,203 | 16.3% of 974 decided |
| Sex Not Available | 706 | 16.2% of 567 decided |
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. 870 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